coz some1 else swipe RM5,900.10 in the same minute with u!

same here. dont want to open too much bank account. and same style too, wait for last day of due date to pay

This post has been edited by erry-: Dec 23 2010, 07:17 PM

set reminder in phone

besides lot of people here said bnm now give 3-days grace period after due date to make settlement

make more than 1 reminder. put sticky notes on ur desktop screen, write it at whiteboard at living room, etc.

and when u urself usually go to cdm to pay credit card let say on each 18 day of the month, then u will make that as a habit

This post has been edited by erry-: Dec 23 2010, 08:58 PM

tq

btw, citibank premier miles too

yes this thread increase so fast compare to previous

u need to apply local bank credit card 1st.
citibank & hsbc is not local bank, usually hard to approve new applicant with less than 2 years working

below are all card with min req salary is rm18k/year (click on the bank name for their website):
1. pbb esso/mobil - free for life.
2. pbb visa / mastercard classic - free annual fee with 1x swipe/month for 12 months.
3. ambank imagine visa - free for life.
4. ambank realrewards GOLD - free for life.
5. eon classic / paywave classic - free annual fee with 1x swipe/month for 12 months.
6. alliance classic - free annual fee with 1x swipe/month for 12 months.
7. alliance - you:nique - - free annual fee with 1x swipe/month for 12 months.
8. alliance ikea friends - rm68/year.
9. rhb plus one - rm68/year.
11. rhb travel money - rm70/year.
12. rhb classic - rm70/year or rm100/year for 2 cards.
10. rhb tesco - 1st year free, then rm88/year.
13. rhb evo- rm100/year or rm150/year for 2 cards.
14. hlb classic - free annual fee with 2x swipe/month for 12 months.
15. lastly, hsbc classic - free annual fee with 1x swipe/month for 12 months. can try to apply

thats what i know so far.
dont ask me which 1 the best, u choose it urself ok?

some1 mention before (please search the post) that he went to cimb and being told that cimb no longer offering petronas classic card

even look at the form here also dont have classic - http://www.cimbbank.com.my/index.php?ch=19...6&tpt=cimb_bank



This post has been edited by erry-: Dec 24 2010, 10:19 PM

oh another card is uob one classic - 2 years free, 3rd year free annual fee with 1x swipe/month for 12 months.

btw, again, hlb essentials cannot considered as classic card (based on min salary req)

wah 3 different usernames to spam then try to use ur username to fraud?

i've been using DA since Southern Bank
usually the promo will continue.
like fuel rebate. always shows end by 31/12/XXXX but then continue to end of next year and continue and continue

This post has been edited by erry-: Dec 25 2010, 01:58 AM

if read at http://www.pbebank.com/en/en_content/image..._flexipay10.PDF

the terms said u need to sms "3 days after the purchase is made and 5 days before the next statement date".
but u said "I bought something .. and straightaway I sent a sms"?

u should sms after 3 days of the purchase, or after the transaction appear (in online recent transaction).

now in my opinion, u need to sms again



This post has been edited by erry-: Dec 26 2010, 06:22 PM

i'm who posted it

btw, its not ambank has convert any retail transaction!

u need to convert it urself.
call the bank 5 days after the purchase transaction date and must be 5 days before the next statement date.

only during this promo time (till 31/3/2011), there is no 1 upfront fee.



This post has been edited by erry-: Dec 27 2010, 11:54 PM

err... for me, dont go for citibank shell

the reason:
1. annual fee is rm90/year (classic).
2. considered u wont have outstanding (even this is the way it should be), u can only get 1.5% fuel rebate.
3. i assume u want to use citibank flexi payment for installment. but they charge 9.88% p.a!

like ronnie said, the best card for fuel rebate is ocbc (5%), but like winner replied, the requirement is rm36k/year

so, if u still want to pump shell, i advise u go for rhb travel money - http://www.rhb.com.my/cards/credit-card/cc...money_main.html
requirement is rm18k/year (same as citibank classic).

the reason (compare with citibank):
1. annual fee is rm70/year (rm20 cheaper than citibank).
2. 5% cash back on the 1st weekend and 2% cash back on other days at ANY petrol station nationwide.
3. rhb got "Dial-An-Instalment", 6 months charge is 3%, 12 months is 7.5% (still cheaper than citibank).

oh for new cardmember, swipe 1st time amount of rm100 within 45 days, u will get rm50 cashback (consider it to cover 1st year gst).



This post has been edited by erry-: Dec 28 2010, 07:55 AM

only hsbc amanah give u rebate, 0.5% (except petrol).

for non-amanah card, hsbc give rebates only during promo, and usually u need to sms to participate.

but now the current promo no need to sms, just spend between 10am-10pm.
if u the highest spender within a minute, u get rm30 cashback. they will sms u after 2-3 days if u won it.

This post has been edited by erry-: Dec 28 2010, 02:05 PM

err... any1 here applied supp line credit card for gf?

what i knew is, supp line for only family members.
but when i applied for my wife, only her ic is needed.

no. u confuse?

hsbc plat-i (hsbc amanah) that give 0.5% rebate (except petrol) & 1% cashback swipe oversea.
normal hsbc plat only give u reward points (3x if swipe oversea).

and never heard such gst waived from hsbc

for me, the bad thing for this card are the reward points. can redeem ONLY for car-related goods & services.

normal ambg card can redeem 30k points for rm150 cash rebate, or 11k points for rm50 voucher of giant/jusco/parkson/kfc



This post has been edited by erry-: Dec 28 2010, 03:10 PM

this card wont give u anything on fuel.

previously u look like to find the best card for shell?

i am existing hsbc holder. never heard such promo.

but, hsbc do offering = 3x reward points for swipe oversea, and on top of that, 1% cashback if u are top 100 oversea spender.
this promo (1% cashback) need to sms, and end at 31/12/2010 (just another 3 days~).

while for "waived RM50 tax upon first annual usage", he means u can waived the gst on 2nd year based on 1st year annual usage.
BUT, ur 1st annual usage must be rm9500 (if local, except petrol). so u can use 9500 points to redeem gst

maybe, maybe, the sales agent just doing his 'job' to get customer

YES & NO.

YES - All bank offer 0% installment BT for certain period (6/12/18/24/36/48 months), including citibank.

NO - they have 1 TIME UPFRONT CHARGES (some bank charge X% per month like maybank).
but some bank do offer FREE BT.

example:
cimb/DA 6 months = FREE.
cimb/DA 12 months = 1%.
pbb 12 months = 1.5%.
pbb 24 months = 5%.
maybank 3 months = FREE.
maybank 24 months = 0.375% per month (this is X% per month), so 24 months is 9%.
citibank? 12 months = 7.88%

This post has been edited by erry-: Dec 28 2010, 05:12 PM

thats normal

correction! its not rm800 but rm8340!

its calculate exactly rm10 = 3 points. not rm10 = 3.333 points.
rm8340 = 2,502 points.
rm800 = 240 points only.



This post has been edited by erry-: Dec 28 2010, 04:25 PM

other bank that offer gst waiver with points:

hsbc: 9,500 points. swipe oversea get 3x. so if swipe oversea, only need around rm3200.
amex gold: 10,000k points. amex gold can get 5x points at petrol, groceries & bill payment. so swipe rm2000 already can waived gst.

yes i know this.

BUT, kei18kun talking about "use your BonusLink Points to offset your annual MBF Cards Card Service Tax".
not bank that offer free cashback to offset gst

so i just give another example of bank that offering points to offset gst

again, this is bcoz kei18kun post "use your BonusLink Points to offset your annual MBF Cards Card Service Tax".

nvm.

bank usually only give cashback (either need to spend certain amount or just activated the card) to waived 1st year gst.
bank wont offer compensation for gst on 2nd year.

except ocbc card, yes, on top of cashback, if u swipe 10k in previous year, they will give FREE 10k annual bonus points to waived the gst on next year

but, maybank did gave me FREE 10k tp to redeem gst this year
of coz, this year is the 1st year gst charged. next year wont think they will give me another free 10k tp

This post has been edited by erry-: Dec 28 2010, 05:20 PM

i posted example of other card that lower than mbf posted by kei18kun.

yes i did posted about ocbc. no idea about scb

correction, the quota is monthly basis
but for sure la december already finished