just tomorrow (now is 10-jan already) ~

This post has been edited by erry-: Jan 10 2011, 01:21 AM

1. u can swipe rm10k/year if u swipe rm900/month and paid in full
2. u can continue using current card and ask for CL increase. bank will ask supporting docs. just submit ur latest salary slip.
if maybank, they got official form to increase CL, here - http://www.maybank2u.com.my/WebBank/inclimit_100210.pdf

if in big shopping mall, yes, common already.

...and dont forget, 2nd year onwards, annual fee is rm600!

i'm using both. i calculated my usage for 2 years and still earn profit via cashback after deduct gst (for 2 years)

i'm using 5 cards

but its depend on ur needs.

just calculate usage for each card or all card then see if can cover gst for each/all or not.

like me, mbb give me 10k tp to redeem gst. so no cost for gst at all for my mbb plat visa

for eon, if u spend rm5k/year, eon will give u rm50 to offset the gst.

or, if u can really save rm50/year with that card to watch movie, then stay.

while for hsbc amanah, it is same like pbb esso/mobil, u need to spend 10k/year (exclude petrol) to get rm50 cashback to cover the gst.

u do ur homework la

This post has been edited by erry-: Jan 10 2011, 03:55 PM

bcoz u will pump petrol with pbb esso/mobil.

and for pbb esso/mobil, u only need to spend about rm2600/year at esso/mobil.

average is rm220/month. u can get back rm4.40/month and its already rm52.80/year so can cover gst already.

so - ur hsbc amanah wont pump petrol, then u need to swipe rm10k/year with that card without petrol, to get rm50 cashback to cover gst.

hope u can understand.



This post has been edited by erry-: Jan 10 2011, 04:02 PM

if u take the cashback to cover gst, yes, pbb esso/mobil is better than hsbc amanah.

unless, u can swipe 2.6k/year on pbb and 10k/year on hsbc amanah, then just keep both cards.

while for amex, u only need to spend 2k/year on categories under 5x points.

btw, why u need high CL? to do installment? but then, amex dont have installment plan ~

and sorry to say, but amex gold credit is also far better than hsbc amanah

coz with amex, if u signup express auto pay (direct debit) for 3 telco bills, u get 10k bonus points (promo till 15/3).
also, 5x points for each amount of the bill.

me, i signup express auto pay for tm x2 + maxis, so get 10k bonus already and can offset gst for 1st year.
and min amount for all those 3 is rm215/month which is rm2580/year.
rm2580 can get 12,900 points and can offset the gst for next year already (10k for gst).

thats y i told u, do ur calculation ~

This post has been edited by erry-: Jan 10 2011, 04:39 PM

do ur calculation 1st.

if the cashback for both cards can cover both gst, then just go on.

yes amex can redeem 200 points for rm1.

installment at merchant or flexi payment (swipe-then-convert)?

if swipe then convert, pbb fee is lower than hsbc amanah.

pbb 1.5% for 12 months & 5% for 24 months.
hsbc 3% for 10 months & 5% for 20 months.

my hsbc (non-amanah) CL is 'almost twice' my salary, but pbb esso/mobil is 'almost equal' to 1 month salary

but i dont mind coz using pbb only for esso/mobil

[1]. stay with hsbc, spend min 10k/year.

[2]. go apply pbb esso/mobil, spend min 210/month at esso/mobil for a year.

[3]. go apply amex gold credit, spend min 2k/year on 5x categories (such as autopay for telcos).

so all can cover their gst for next year (with the cashback).

gst for this year?
pbb apply online then mail the form with supporting docs, after received card, swipe rm630 on 1st month so get rm50.4 (8%) cashback.
amex gold credit, sign up express autopay min 3 bills (astro/tnb/telcos) and get 10k points to redeem rm50.
if u autopay 3 telcos, u also doing number [3] above, just make sure the bills are at least rm2k/year.

problem solved

This post has been edited by erry-: Jan 10 2011, 05:14 PM

if i also have ocbc, then i will also easily reach rm50 max rebate each month

nops. refer here - http://www.americanexpress.com.my/cms_uplo...0Sept_final.pdf

yes and no.

its 0% installment bt but got 1 time upfront fee, 8.99% p.a!

yeah

but this offer only till 15/3.

for paper statement, i make my own statement in excel then sold to old news paper

now all in pdf format

err.. eonbank call for cash 4.99% is for 12 months.

6 months is 2.99%




This post has been edited by erry-: Jan 11 2011, 12:33 AM

look at cimb website, the benefits not bad.

but dont have requirements there. may i know whats the min salary required?

This post has been edited by erry-: Jan 11 2011, 12:36 AM

thanks!

but rm1 = 1 point means need to swipe rm10k/year to cover gst.

and its visa, not mc. so no sunday rebates

KIV lah ~

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Added on January 11, 2011, 12:53 ammaybe bcoz titanium min requirement is around 36k-40k, and their current gold min requirement is 30k?

This post has been edited by erry-: Jan 11 2011, 12:57 AM

download the pdf file then submit

http://www.cimbbank.com.my/index.php?ch=19...4&tpt=cimb_bank