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).

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

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)

welcome. correction: rm5k/annum. not rm5

afaik, cimb only have visa touch-n-go & visa infinite.

both principal are free for life. but supp for touch-n-go gold got annual fee on 2nd year.

cimb tng - http://www.cimbbank.com.my/index.php?tpt=c...category=71:120

cimb infinite - http://www.cimbbank.com.my/index.php?ch=cb...1&tpt=cimb_bank

no.

btw, the diffe between mastercard n visa are:

1. rewards.
2. promotions. example resorts world sentosa singapore if use mastercard to purchase 4 tickets, got $25 voucher.
3. acceptance. example carrefour jurong singapore only accept visa, and carrefour medan too. last time went there may 2010. now dunno if can accept mastercard already.

This post has been edited by erry-: Dec 15 2010, 03:18 PM

then u should never apply for the card. use online banking or OTC

it will be sent later. bank wont send credit card and pin number same time.
this:

this is bcoz u already have saving/current acc with the bank so ur credit card will linked to it. example is hsbc, if u got cc only and no saving/current acc with the bank, then u need the pin to register for online banking.

it is called 'flash sms'.

This post has been edited by erry-: Dec 15 2010, 11:23 PM

the bank just make a reason and opt u to debit card so they can charged u rm8

look here - http://www.citibank.com.my/global_docs/Cit...ndex.htm?b=CBOL

yes correct. in my case, it automatically link

even before i received my plat card (previously) - auto upgrade from gold, the number already there

so far the offer end at 31/12.

and dont forget da give 1 point for rm1 spend (except petrol)

btw, how u get tax relief?

for me, it will be continue. but, maybe the 1 time upfront fee will be different. hopefully lower?

p/s: pbebank 12month 1 time fee is only 1.5%, while alliance is 0%!

This post has been edited by erry-: Dec 16 2010, 11:37 AM

oh ok! my mistake. i thought "smart i.pay" plan but its "smart flexi-pay" plan. sorry

This post has been edited by erry-: Dec 16 2010, 05:43 PM

ok ronnie already clarify it.
so tax relief is nothing to do with DA actually like chemistry said. thats y i wondering

thats the word that make me wondering

credit limit wise but annual fee rm600, no meaning

YES. now wait for the card to arrived

normal graduate get platinum is based on annual salary

me previously using gold (since southern bank), then after 2 years they give free upgrade to plat

This post has been edited by erry-: Dec 17 2010, 02:38 AM

jonusless already wrote "graduate gold mastercard" - so confirm its normal graduate

btw me using DA normal graduate too.

at cimbclicks, i have both GRADUATE VISA GOLD and VISA PLATINUM.
i also have both GRADUATE GOLD MASTERCARD and GRADUATE PLATINUM MASTERCARD.
(gold outstanding and availability is 0.00 since i already terminated it after free upgrade to plat).

wondering, why visa after upgrade to platinum no more graduate word?
but nvm. not important at all!

This post has been edited by erry-: Dec 17 2010, 03:28 AM

remember to swipe 1% for only rm1k. starting next month, rebate for 1% & 5% will be conbined together to rm50 only per month

i have uob one platinum. usually use only for bhp and carrefour, but rarely use.

refer to http://www1.uob.com.my/webpages/oneCard/pd...RebateTable.pdf

no cash rebate for below rm100

dont confuse gst and annual fee fren!

for ocbc:
gst = 1st year MUST pay, 2nd year waived if spend rm10k on 1st year.
annual fee = 1st year free. 2nd year waived if swipe 12x/year.

ok?

This post has been edited by erry-: Dec 17 2010, 10:33 AM

welcome. make sure u swipe more than rm10k with more than 12x swipe.

if u swipe 2x rm6000 only per year then keep ur card, so next year only annual fee is free, gst still need to pay

but swipe 12x/year is not hard. if u pump petrol 4x/month, 3 months can already qualified

---

Added on December 17, 2010, 11:07 ambtw, more info about ocbc annual fee & gst waiver here - http://www.ocbccards.com.my/bonus/promoAnn...e_coreCard.aspx

(already post before. u should search within the thread 1st b4 ask

This post has been edited by erry-: Dec 17 2010, 11:07 AM

platinum card have platinum privileges.

This post has been edited by erry-: Dec 17 2010, 11:50 AM

correct. and its up2u

yes i mean rm2k, type error 1 instead of 2

dont lazy to read ur bank cc website ok. i'm not even have ocbc card but no prob going read there

http://www.ocbccards.com.my/AnnualBonusUsage_FAQ.aspx#q11

different people different spending style.

This post has been edited by erry-: Dec 17 2010, 08:37 PM

YES u should! free for life with no condition. swipe rm300 get 2% (plus another 3% till 31/3/2011 so its 5%!).

and also 1.5% smiles points rebate (3% at certain petrol station who offer 2x points).

now pbe got promo for new applicantion too. go read my previous post. dont lazy to search within this thread

http://forum.lowyat.net/index.php?showtopi...&#entry38482796

DA too.


This post has been edited by erry-: Dec 17 2010, 08:53 PM