iPay88 is compliant with PCI DSS and no security issue.

Regarding the dispute of RM2999 via the merchant may cause by the credit card info was copy down during payment via physical retail shop especially restaurants and F&B cause the waiter/cashier may copy down and use it online. this happen the credit card which is no compliant with 3D (Verify by Visa / MasterCard Securecode) - currently Citibank, OUB, OCBC and some smaller banks are not compliant.

OCBC does offer Verified by VISA and MasterCard SecureCode.

just keep posting your comments. sometimes we do get senso people who don't know how to read (or don't read) what was posted and think we attacking them whereas we are only stating facts.

ok. how long does it take for tm to process your autopay application? thanks.

Mine was taken 2 months to receive confirmation letter from their collective bank, Eon.

Yeap, i agree BT is a good idea

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Added on December 15, 2010, 9:51 amYeap

This post has been edited by persistence85: Dec 15 2010, 09:51 AM

cool u r from East Malaysia too. Seriously Maxis/Hotlink is way more expensive but previously there is this Hotlink Youth Plan that is really super cheap. I used to use DiGi in high sch but swtiched to Hotlink in West Msia as Digi line sux thr n most of the ppl thr use Hotlink. I have recently just switched back to DiGi postpaid. Maxis postpaid is really expensive!!!

btw, for DA CC is it the statement date is fixed on 11th everymth?

This post has been edited by tzeling: Dec 15 2010, 11:05 AM

Hi..i never have a CC before.. planning to have one..

My salary is around 30k p.a

Which CC is the best for me? My first choice would be Maybank..

Hope u'll help.. thanks a lot!

My OCBC card is soon to expire. I was told that i need to pay R180 annual fee for the new card! Damn!

Any suggestion which bank do not request us to pay the annual fee or minimum annual fee? Thanks.

More than one month.

Yes. I am Celcom is offering some unbeatable prepaid rates now too but i guess it's a bit late now as most people are already on DiGi. Besides, of the 3 telecom giants, DiGi has always been the creative one.


You have just answered your own question If your first choice is Maybank, then just go for Maybank.


This could be a good chance for you to upgrade to OCBC Titanium MasterCard. Pay them a visit or call them up, see if they can upgrade you to OCBC Titanium MasterCard. The annual fee for this card will be automatically waived provided you swipe at least 12 times in a year and they will also help you to pay the RM50 credit card tax if you charge at least RM10,000 to your card in a year. Moreover, this card offers a killer rebate. Check it out on their website.

Under the SCB iPad Give-away Promotion, does payment of insurance premium (monthly or yearly) be part of the Retail Spend ?

not fixed

if maybank, go to maybank with petronas logo, free for life with no conditions.

or if u dont want to pay for gst and annual fee with other bank, go for pbe / scb (they give cash rebates so u can cover back ur gst), but need to swipe 1x/month for 12 months so next year no annual fee.

pbe = public bank
scb = standard chartered bank


This post has been edited by erry-: Dec 15 2010, 02:03 PM

even cimb cards also free for life...the ws says otherwise but when u go to the branch, they say all cimb card r free for life

that is why i jumped to cimb .... might cancel the citibank cc i have been with for 12 years

what i can confirm is, only cimb mastercard.

but cimb enrich (mas logo) mastercard got annual fee. it will be free if meet the terms (swipe min amount/year).

For Titanium supplementary card, the spending of RM5,000 charge per year in order for RM25 GST waiver, is it the whole RM5,000 must be spent using the supplementary card or the principal card can cover? Say principal card spend RM20,000, but supplementary card RM1,000, can the GST of RM75 be waived?

nops. supp must swipe itself rm5k/annum.

edit: refer here - http://www.ocbccards.com.my/AnnualBonusUsage_FAQ.aspx#q9 see number 12

2nd edit: correction to rm5k/annum

This post has been edited by erry-: Dec 15 2010, 02:07 PM

I hope Citibank will also make all their credit card free for life too or with xx swipes a year for the annual fee to be automatically waived. Such a hassle to call them up twice a year (because i have 2 cards from them with different expiry month). Even HSBC only requires 12 swipes a year to get the annual fee waived. Hope they will follow suit soon

Thanks, some how I missed this point.

u not meet the min req for free annual fee?

refer here - http://www.ocbccards.com.my/bonus/promoAnn...e_coreCard.aspx

if u think u meet the req, then go fight with the bank (with proof).

btw, other card with free annual fee without any conditions are:

1. direct access (must have degree)
2. cimb mastercard (except enrich)
3. maybank petronas
4. maybank amex gold
4. pbe esso/mobil

(pls refer their website for min annual income terms)