Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
5 Pages < 1 2 3 4 5 >Bottom

Outline · [ Standard ] · Linear+

 Credit Card v13

views
     
winner
post Dec 23 2010, 09:25 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(persistence85 @ Dec 23 2010, 09:21 PM)
due date of CC statement can be changed?

I learn new things on today  smile.gif
*
If your banks are willing to change the statement dates, the due dates will be changed accordingly.
winner
post Dec 24 2010, 12:02 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(MilesAndMore @ Dec 22 2010, 07:37 AM)
By the way, anyone knows if Citibank credit card comes with complimentary travel insurance ? I can't seem to find this in their website. So i assume there is none ?
*
Citibank Platinum cc - Yes
Citibank Cash Back Platinum cc - No
winner
post Dec 25 2010, 08:24 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(hebe87 @ Dec 24 2010, 07:03 PM)
TBP is good, but the point itself does not worth that much as more points are required for redemption.. ie 21,800TBP for RM100 voucher
*
Another frustrating thing is that the gift items for redemption are so limited. I ended up redeeming some household items, as I did not want to use such huge points to redeem gift vouchers.


QUOTE(chemistry @ Dec 24 2010, 07:51 PM)
SCB still has RM25 cash voucher to be redeemed using 5000 pts. Not bad.  smile.gif
*
I would say the best redemption is from Amex and SCB, where we can redeem cash back. Also, points required to redeem cash are much lesser than points for gift vouchers.

This post has been edited by winner: Dec 25 2010, 11:30 AM
winner
post Dec 28 2010, 05:14 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(ronnie @ Dec 28 2010, 02:52 AM)
Go for OCBC Titanium ;-) which offers monthly cashback of 5% on petrol (credited monthly basis)
*
He did highlight that his annual income is RM20,000, whereas OCBC Titanium requires annual salary of RM36,000. Therefore, Citibank Shell Classic and Alliance Younique suit him more if his main intention is to get cash back from Shell petrol purchases.
winner
post Dec 28 2010, 08:17 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


Some banks would generally require foreigners to pledge FD in order to issue CCs to them.
winner
post Dec 28 2010, 03:25 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


I will stay away from all products of Ambank as much as I can. I am now having a commercial property loan with Ambank, but its disorganised system and organisation really piss me off. This is my personal experience and others may feel differently.
winner
post Dec 28 2010, 04:41 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(erry- @ Dec 28 2010, 04:24 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.

notworthy.gif
*
Amex and HSBC should not be counted for service tax waiver, as you need to use your hard-earned points to exchange for the service tax payment.

Other banks such as SCB and OCBC (just to name a few) offer you free points to compensate or offset the service tax payment. That's the real service tax reimbursement.
winner
post Dec 28 2010, 05:08 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(erry- @ Dec 28 2010, 04:50 PM)
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 smile.gif

so i just give another example of bank that offering points to offset gst notworthy.gif
*
Almost all the points based CCs allow you to redeem your hard-earned points for service tax payment.
winner
post Dec 28 2010, 05:11 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(erry- @ Dec 28 2010, 05:02 PM)
bank wont offer compensation for gst on 2nd year.
*
SCB and OCBC do that. But you need to meet the annual spending requirement of course.
winner
post Dec 28 2010, 09:39 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


Today I redeemed an iPod Shuffle which I won from SCB's promotion. I managed to get the latest model - 4th Generation iPod Shuffle.
winner
post Dec 30 2010, 01:48 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(Dannyl @ Dec 30 2010, 01:23 PM)
I remember someone mentioned TMnet autodebit comes with rebate of RM4.  Just now I went to ask, was told it's RM2 and with Visa only.  So what's up with that?
*
I have TM autodebit with my MasterCard. I receive a monthly rebate of RM2.


Added on December 30, 2010, 1:51 pm
QUOTE(bingozero @ Dec 30 2010, 01:48 PM)
Streamyx combo, include with the telephone rental fees.
I just fill up the auto debit form from tm and them summit to them.
*
So you get RM2 rebate for TM and another RM2 rebate for Streamyx?

This post has been edited by winner: Dec 30 2010, 01:51 PM
winner
post Dec 30 2010, 09:42 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(chemistry @ Dec 30 2010, 05:04 PM)
My autopay is using OCBC Ti Mastercard to pay a residential phone line and a business phone line. The home line got RM4 rebate from TM, but shop line got only RM2.
*
How come? My house phone line (Telekom) with autodebit with OCBC Titanium MC only gives a monthly rebate of RM2.

This post has been edited by winner: Dec 30 2010, 09:44 PM
winner
post Jan 2 2011, 02:05 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(erry- @ Jan 2 2011, 01:33 AM)
this:usually me around rm500/month. so i get back rm120/year. can cover gst rm50 and still get back rm70. isnt that much? tongue.gif

and i'm using DA since 2002 (that time ocbc dont offer 5% fuel rebate yet), so i get back +/- rm1000 already.
besides, i can pump at ALL petrol station.
*
DA MC gave cash back for petrol since 2002? NOT that early as far as I know.


QUOTE(PPZ @ Jan 2 2011, 10:57 AM)
if i go ESSO to pump petrol and use OCBC titanium, still can get 5% rebate?
*
Yes, it gives 5% cash back at ALL petrol stations, subject to a maximum cap of RM50 per month for all rebates under both 2% and 5% category.


QUOTE(kelvinlee1983 @ Jan 2 2011, 01:31 PM)
not understand for maybank

cause, since 0.435 each year,why suddenly come out 5.2%?
hidden charges?
*
It is 0.435% per month. 0.435% x 12 months = 5.22% per year.


QUOTE(jurne @ Jan 2 2011, 01:33 PM)
hi, jz a simple question. Which card is best for overseas transaction and with govt tax waived promotion?
*
Refer to Page 1 of this thread.
winner
post Jan 2 2011, 02:31 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(ronnie @ Jan 2 2011, 02:15 PM)
DA's petrol rebate was the first when the Govt announce the petrol price of RM2.70 previously.
*
That was actually back in 2008, not as early as 2002 as claimed by "erry-".
winner
post Jan 2 2011, 04:51 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(Gen-X @ Jan 2 2011, 04:40 PM)
I can confirm that DA was not giving 2% as early as 2002 or 2003. I was using my AMEX Charged Card for many years as it gives points at petrol stations whereas CC no points. Started pumping with DA when they gave offer free watch which I did get one and then continue with DA when they offered 2% for petrol. Switch to AMEX Gold CC in Aug 2009 and since October 2010 using OCBC Titanium.
*
QUOTE(erry- @ Jan 2 2011, 04:05 PM)
no. seriously. i'm using DA since southern bank era. i get fuel cash rebate since applied, which is in middle 2002. at that time, only petronas can use chip credit card at pump, later shell, then later all petrol station.
*
I also agree with Gen-X, I can confirm that DA did not give cash back for petrol so early as I was a DA customer too under Southern Bank era.

Fortunately I still kept my DA statements back in 2005. My transactions in Petronas and Shell during that period DID NOT earn any cash back.
winner
post Jan 2 2011, 08:10 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(chemistry @ Jan 2 2011, 07:21 PM)
Apply OCBC Titanium, transfer all your balance from EON & HSBC to this new card.
OCBC is doing 6-month 0% BT for new cardmembers, valid till 31/3/2011.
*
As mentioned by some forummers who have done BT to OCBC Titanium, OCBC's BT programme share the same account with cc. For BT programme sharing same account with cc, it is not advisable to use the cc again until you fully settle the BT outstanding balance. This is to avoid interest being charged to your cc.
winner
post Jan 2 2011, 08:13 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(gerrardling @ Jan 2 2011, 08:06 PM)
anyone here know how to redeem rm50 for amex, i seems cant find any opiton to redeem through maybank2u. thanks
*
You can call Amex CS to redeem cash. Every 200 points can be redeemed for RM1 cash back.
winner
post Jan 4 2011, 02:01 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(ronnie @ Jan 3 2011, 11:42 PM)
If we spend RM4k in each spend period, can we get TWO(2) Philips 7" Digital Photo Frame from SCB promo ?
*
If you study the winners list of the previous contests carefully, you would easily notice that many grand prize winners were actually REPEAT WINNERS.
winner
post Jan 5 2011, 11:37 AM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(hAnn @ Jan 5 2011, 10:14 AM)
yes i was planning to buy a few electrical appliances n since the hypermart i use to buy groceries from r selling them. so i was thinking if these electrical appliances would be incurred with rebates offered by eg. ocbc titanium's 5% rebate off grocery?
*
If you buy the electrical appliances in the hypermarket itself (not those external shops inside the hypermarket building), your purchases will be entitled to 5% cash back, subject to a monthly cap of RM50 under both 5% and 1% categories.
winner
post Jan 5 2011, 08:02 PM

Look at all my stars!!
*******
Senior Member
2,221 posts

Joined: Apr 2008


QUOTE(chemistry @ Jan 5 2011, 05:40 PM)
In my opinion, OCBC BT is 'slightly' better than CIMB BT. Not only because of no need pay 5%, but also without early exit fee. You may fully settle the BT at any time you like within the BT period.
*
When OCBC Titanium was just relaunched few months ago, I was informed by the CS that payment would be made towards BT outstanding balance first and thereafter retail purchases. That's why I stayed away from OCBC's BT programme.

5 Pages < 1 2 3 4 5 >Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0530sec    0.62    7 queries    GZIP Disabled
Time is now: 1st December 2025 - 05:10 PM