For HSBC, no.


Many have complained it really is very low. But i guess this is normal. Standard Chartered for instance, requires one to have a minimum deposit of RM250k with them to be a Priority Banking client and the credit line given to the Priority Banking VISA Infinite is peanut too.


Same for HSBC VISA Platinum.


How troublesome ! Last time when i applied for a secured credit card from HSBC, i did not have to pay any stamp duty at all. I only had to sign on a few documents and that was it.

Maybe OCBC has a strict internal control, they want all documents legalised, if not court will not recognised their documents, haha.

OCBC Titanium MC is definitely better than Amex Gold cc. Not talking about the benefits, Amex's acceptance level will never be as good as MC and VISA.

In my case, my Amex Gold CC of 3 years was cut in favour of OCBC Titanium. Also decided to let my Sonycard of 4 years go in favour of CIMB DA. But looking at the promotions dropped, probably wouldn't keep my DA for 2012.

3 years? Amex Gold cc was introduced in mid 2009.

hi guys, need your opinion.
I'm planning to travel overseas. I have 3 cards: CIMB Master Gold, Citi Cash back Plat and Maybank Petronas Gold.

When one you recommend to use? Maybank have lowest 0.5% admin charge but how the conversion rate?

Opps, you are right, got confused because they set my expiry date the same as my MBB Amex card. Got mine in August 2009.

Without a doubt, use the Maybank Petronas Gold when overseas.

Just use your Maybank for overseas use. Conversion rate ? You didn't even tell us which country you want to go to ... which date, what time you intend to use the card. Conversion rates will change on a daily basis and the rates are set by the bank, none of us here would be able to tell you what is the conversion rate is right ?

None of us able to tell the conversion rate.

But from experience by several card users here, MBB cards have the lower rates (after conversion and admin charges)

ranking of bank in terms of cc recognition? anyone pls?

This post has been edited by chng5255: Jan 7 2011, 11:42 PM

RM200K-RM300K in deposits nowadays is not much, you can't even get a double storey terrace house in 1U area. Bangsar single storey terrace house also cannot get.

There is a big difference between a person having annual income of RM200K vs a person having only RM300K in deposit and no regular income. The thing is when one deposit RM250K to RM300K, the amount is not pledge towards CC CL.

read my post in my blog below where I did do a comparison between different cards for SG transactions:
http://creditcardsmalaysia.blogspot.com/

MBB generally give lower conversion rate. If you do travel overseas frequently, recommend you apply MBB Plat MC where it gives 2X Treat Points (Petronas Plat 1X only).

it's minimum from 200k... the actual amount can be various...

btw, my premier CL is quite high... altho not as high as my MBB WMC.



I always shop online and shop @ SG... citibank rate is okie, mbb provides good rate as well... just dun use any Amex card oversea...

This post has been edited by TeraPox: Jan 7 2011, 11:42 PM

mbb plat mc only? how about plat visa?

but remember, mbb plat got annual fee RM550

unless they give u free (like me, they give me free 3 years, after expired another free 3 years )
mine is visa.

Any chance of Direct access/CIMB giving petrol rebates again?

Dun wan to apply another CC just to get petrol rebates, I kind of like DA's Balance transfer terms (effectively 6 months interest free loan). No, i don't want to switch to the CIMB petronas card either.

this is my prob.

pledge fd is 'like' to show the bank how much money we can 'store' with them 'as a proof' to get their cc.
in my case, i dont have any prob to pay my cc (all no outstanding).

so as u said, if i do pledge fd with ocbc, they also have the right to reject

no idea

go apply ocbc. no harms.
get 5% rebate at all petrol station.

use rm10k/year they will give bonus rm50 on 13th statement (to offset gst 2nd year).

cc recognition based on what criteria?

or is your question based loosely along the lines of 'what is the meaning of life?' anyone care to answer?

PJusa, i wanna ask u regarding alliance plat cash back.

at main page shows "Up to 2.0% cash back on anything, anywhere, anytime."

at details page show "Up to 2.0% cash back on retail spend".

i know the cash back is tier-based.

my question now, is petrol included? thanks

I won't bother ... question is very subjective. You can ask 100 guys in here and they will give you 100 different answers.

I agree with hye...