hmm.. so instead of sticking to hsbc amanah which give me nothing besides the 0.5% rebate, i think it is a better choice to go for PBB Esso CC? i am a loyal esso customer also.

Many cards are better than HSBC Amanah nowadays.
MBB Petronas, CIMB Petronas, PBB Esso cc, Amex Gold cc, HLB Essential, OCBC Titanium..etc for example. Any one of the abovementioned is far better than Amanah.

you have a grace period of 2-3 days after the due date, bnm rulings

But just to let you know, BNM have made all banks to allow it customers 3 days grace period from due date to make payment.

if your annual income got at least 36k per annum, just apply OCBC Titanium
the rebate is the top among all card

hmm.. so instead of sticking to hsbc amanah which give me nothing besides the 0.5% rebate, i think it is a better choice to go for PBB Esso CC? i am a loyal esso customer also.

Talking about big swipe, I had done enough survey before swiping a huge amount for partial downpayment of my recent property purchase. I needed to pay RM80,000 within 2 weeks and the developer accepted MC or Visa, but not Amex. During that time I only had Amex Gold cc, OCBC Titanium and SCB JustOne Titanium. I wanted a card which could give maximum rebate for the big swipe. I shortlised HLB Visa Essential, PBB Platinum and SCB WMC. HLB Visa Essential does not give cash back to offset the service tax for new card, while PBB Platinum's cash back and points are based on complicated tier system and PBB could not guarantee to deliver the card within 2 weeks. In the end, I applied for SCB WMC and received the card 14 days later. SCB gave me 30,000 points as a welcome gift. Soon after I received my SCB WMC, I paid the partial downpayment using SCB JustOne Titanium (RM10,000 for 5% cash back) and SCB WMC (RM70,000 for 2x points or 1% cash back). For those who are familiar witn SCB JustOne Titanium should know that this card gives 5% cash back for all types of purchases made on Fridays and the maximum cash back per year is capped at RM600 per month. The reason I swiped only RM10,000 on SCB JustOne Titanium was that I had already spent more than RM5,000 and SCB JustOne Titanium needs an annual spending of RM15,000 for AF waiver.

After the huge transaction was made, I immediately applied for DA VI which was given 1-hour instant approval in Pavilion. Thereafter I submitted the application for the 0% interest BT programme for 6 months from SCB to DA. By doing this, I could delay the payment but at the same time, the money that I had reserved for the payment to the developer could also keep growing in my deposit account.

oh i'm using cc for 7 years and never know about this!

err my annual income more than this but still being rejected twice dont ask me why. go read previous thread 

since u using esso, then go apply!

its free for life with no condition. apply online so u can get 8% cashback (max rm80) on 1st statement. take it as to cover gst

oh i'm using cc for 7 years and never know about this!

Talking about big swipe, I needed to pay RM80,000 within 2 weeks. I shortlised HLB Visa Essential, PBB Platinum and SCB WMC. HLB Visa Essential does not give cash back to offset the service tax for new card, while PBB Platinum's cash back and points are based on complicated tier system and PBB could not guarantee to deliver the card within 2 weeks.

For those who are familiar witn SCB JustOne Titanium should know that this card gives 5% cash back for all types of purchases made on Fridays and the maximum cash back per year is capped at RM600 per month. The reason I swiped only RM10,000 on SCB JustOne Titanium was that I had already spent more than RM5,000 and SCB JustOne Titanium needs an annual spending of RM15,000 for AF waiver.

RM80k?

Only a few developer accept credit card, normally they receive cash only. Seriously if every CC user like u, bank will be mad because they earn nothing from u, terbalik u earn back from them  

so the end u apply for PBB Esso-Mobil card, they offer 2.5 times of your salary?

its rm600 per year

'per month' & 'per year' is very big difference!
600 per year = average 50 per month.
He swiped 10k, 5%=500 already. Left only RM100 cashback quota.

yes i got it.

but he wrote rm600 per month, seems like can have max cashback more than rm600 per year, or if x12 its rm7200 per year

nvm. the max is rm600 per year, but not rm50 per month 

If it is true, then doesn't he make a mistake to swipe JustOne too much?

if he already earned some cashback previously, the remaining quota must be less already. Hence this 10K swipe might not earn full 5% rebate but the remaining cashback limit.

wondering the pledge FD can take out or not after 1 yr if u re a good paymaster and have a good record? 

winner bro, your previous 5k swipe was on what day? Was it 2% or 5% cashback?

No. You can't.

no harm to go to the kompleks kota kajang/kpj there. 2x points!

esso at bangi (near plus exit kajang) also offer 2x points 

ah. I tried to apply online for my PBB Esso/Mobil but previously their online form no PB Esso/Mobil Visa Gold. So, i submit manually. Rugi the 8%. Today check got already!!

Anyone tried call the CS to waive the RM50 GST?

I'll do it on Monday then...
Am thinking maybe cancelling the card hoping they will offer me tax waiver as well as getting a brand new card...

The "3 days grace period" is in force just recently only. Not even 1 year yet.

yeah winner. pls reply!

if 5k get 5% means already get back rm250, and if:
10k also 5% then he can get rm350 only (even it is rm500).
10k is 2% then he get rm200 only (still have rm150).

i think 5k is not on friday (2%, rm100) and 10k is on friday (5%, rm500)