i have both hsbc and da.

seems like both are same - give points for installment, and full points given on the 1st statement month of the installment

This post has been edited by erry-: Dec 17 2010, 08:54 PM

usually after 6months. for now, just using debit card.

if u using esso/mobil, go for pbe esso/mobil debit card, get 1% fuel rebate (max rm30) and 0.5% cashback unlimited

This post has been edited by erry-: Dec 17 2010, 09:06 PM

http://www.citibank.com.my/english/citi-online/citi-online-alerts.htm

welcome

nice strategy

just like any other service tax imposed by and payable to the Malaysian Government, bank are unable to waive. however, they will give cash rebate/points to help you redeem against the service tax

and it wont be automatically waive/rebate. need to redeem (starting 2nd year onwards),
new card (1st year) need to pay that gst then cover it back via cash rebate.

(btw some1 get it from mbb is me )

This post has been edited by erry-: Dec 18 2010, 05:29 AM

agree too. waiting them to offer free upgrade to wmc & vi. lazy to apply. haha
but if they not offered then i'm ok with current plat. no need free golf, free coffee, free movie ticket (for wmc/vi), etc ~

This post has been edited by erry-: Dec 18 2010, 12:54 PM

whats wrong with charge card? as long as u can afford to pay ur spending, go ahead

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Added on December 18, 2010, 1:16 pmeven credit card user also should use their card like amex.

u swipe 10k, u pay la 10k

This post has been edited by erry-: Dec 18 2010, 01:16 PM

charge card offered to people who pay full amount. then installment is no need

last time i use amex charge only rm200 per month

This post has been edited by erry-: Dec 18 2010, 01:53 PM

read here (the lowest annual fee for amex and free for life) - amex personal
more here - http://www.americanexpress.com.my/WebBank/ChargeCard_TNC.pdf

summary:

no credit limit. u can swipe as much as u want. when the bill come to you, must pay in full at 1 time.

if not settled in full by the payment due date, a late payment charge of 3.5% per month will be levied.

(for credit card, the late charge is only around 1.125% - 1.5% per month).

This post has been edited by erry-: Dec 18 2010, 02:04 PM

if want to use installment plan, then use normal credit card lah

i dont think that there is person who have only charge card. coz not all place accept amex

right after u swipe for that brand new ferrari, amex will check ur records - annual salary, payment history, etc2 - declined

alliance is 0% per year

can buy brand new car with credit card eh? last time i bought proton for my dad, they said only deposit rm500 can swipe, balance asked me to make a bankers cheque

rugi 36k points! change to cashback can get rm150!

This post has been edited by erry-: Dec 18 2010, 02:35 PM

choose 10x mr points then 3.5% or just 1 point but no %?

btw like i told previously, some places (in spore and medan) only accept visa. no mastercard, no amex. so really headache to pay if no cash and no visa

rebates everyday and no need to sms.

5% for all petrol, dining, shopping and bills. max rm100 till 31/12/2010.
1% for others. max rm20 till 31/12/2010.

others:
free annual fee if swipe 12x/year.
free gst if swipe rm10k/year.
0% for outstanding balance till 31/12/2010.
3% extra rebate for bills if pay via online banking (limited time).
free access to klia lounge.
etc - http://www.ocbccards.com.my/titaniumIndex.aspx

but starting next month, max rebates only rm50 for both 5% and 1%.

useful for 1st rm1k on 5% rebates category.

This post has been edited by erry-: Dec 18 2010, 02:57 PM

seems pbe always have promo. but need to sms to register.

never heard

dont stop DA MC!

This post has been edited by erry-: Dec 18 2010, 02:59 PM

nops. here in malaysia usually when visa is accepted, mastercard is accepted too.

the diff is their promo.
example is tm auto bill.
direct debit with mc got discount rm4.
direct debit with visa discount rm2.

so, rm48/year or rm24/year only?

pbb promo usually post with statement. no sms to customer, no ads in paper. must go to their website frequently

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Added on December 18, 2010, 3:06 pmSo, this prove Mastercard is more important than Visa? What say you?




This post has been edited by erry-: Dec 18 2010, 03:06 PM

dont fork out rm50, but redeem 10,000 points

this:

same here. DA even upgrade my CL each time i reach the limit to swipe

treat points given at all transaction, not only at petronas. just at petronas can get 5x. so pump rm2200 can redeem fuel rm10 voucher already.

but for comparison, CIMB Petronas swipe at petronas rm1000 can get back rm20 already

while OCBC Ti rm1000 can get back rm50, at all petrol station

of coz permanently. never heard such as temporary

This post has been edited by erry-: Dec 18 2010, 05:27 PM

oh i though u swipe rm10k/year

but u can take that Room18 Restaurant discount to cover for the gst too. still save rm20.
not even calculate the rebates for petrol/giant/tesco yet!