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.

2. PBB Plat cashback system is not complicated as Alliance. it just straight forward count, not tier

but the 1 time i missed my due date is last year -2009!

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  

1. HLB do offer cashback to cover the gst NOW
2. PBB Plat cashback system is not complicated as Alliance. it just straight forward count, not tier

its rm600 per year

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.

no mistake there

justone give 5% only on friday, other day is 2%.

he said he already swipe 5k, probably on other day (not friday), so he already get back 2% which is rm100.
then he swipe another 10k (on friday) to get 5% so its rm500.

he also said he swipe 10k only want free AF (since already swipe 5k).

so he get max cashback and free AF 

usually people who use 'limited'/max/capped cashback cc, they will know/calculate regarding the cashback amount     

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

That's possible.
Even though before the grace period is implemented, the bank reserves the right to waive/reverse late payment charge & resulting finance charge. a few years ago I once forgot to repay my DA , already late 2 weeks but I tried to appeal, and the bank was willing to do reversal.

Most of the developers in the Klang Valley nowadays accept booking fee via CCs. Some even allow you to use CCs paying the first 10% downpayment. If the developer does not allow you to pay the downpayment in full using CCs, you may pay partial downpayment (up to the maximum amount allowed by the developer) by CCs and it is such a good deal for you actually.
1. HLB Visa Essential does not give cash back to compensate the service tax.
And yes, SCB JustOne Titanium's maximum cash back per year is capped at RM600.
Yes, the last swipe of RM10,000 on Friday did not earn a full 5% cash back. It was done purposely as I wanted to hit the AF waiver requirement of RM15,000 spending per annum. Prior to the big swipe of RM10,000, I had already spent RM5,000++ on a combination of Fridays and other days (about RM180++ cash back received). The RM10,000 swipe actually gave me cash back value of approximately RM420. In total, I received the maximum cash back per year at RM600. At the same time, my card also hit the minimum spending requirement for AF waiver.

i'm afraid PB Plat visa is still tiered based
PB Master Plat get points based on tier as well

That's possible.
Even though before the grace period is implemented, the bank reserves the right to waive/reverse late payment charge & resulting finance charge. a few years ago I once forgot to repay my DA , already late 2 weeks but I tried to appeal, and the bank was willing to do reversal.

maybe u hold their card for a long time already?   

HLB Visa Essential does not give cash back to compensate the service tax.

At that time, my card was not enough 1 year old.
We just cannot guess what's in their mind, haha.

I must say Winner bro you're such an intelligent consumer. :clap
Your 10K swipe also entitled you to guaranteed gift (Digital photo frame) am I correct? And stand a chance to win an iPad! Whoah!

I beg to differ on the issue of HLB cash bonus. I saw the promo with my own eyes, they really give RM50 after 2 swipes within 45 days frm approval date.

even my mbb visa (not petronas), they offered 10k tp for me to offset the gst, still, i need to pay that rm50 1st and later they credit me 10k tp. now dunno what to redeem

go for voucher 

i know. but better redeem things which worth more than rm50.
planning to redeem 1 month before next year expiry month then cancel the card 

next year i dont care. they offer me 10k tp or whatsoever, i will definately terminate it! 

even my mbb visa (not petronas), they offered 10k tp for me to offset the gst, still, i need to pay that rm50 1st and later they credit me 10k tp. now dunno what to redeem

i said NOW.
ok to be exactly since 10 nov 2010 till 28 feb 2011.
if u apply before 10 nov 2011, then u wont get la the cashback

refer here - http://hlb.com.my/promo/pfs/cc_win_mazda/index.jsp?s=ccpromo

for hlb essential:
rm50 cashback if swipe 2x within 45 days OR rm100 cashback + zing card if swipe rm5k within 90 days.
plus, 10 entries to win mazda 3.

   

t&c:
cashback subject to 1st come 1st serve basis.
cashback will be credited into the Principal Cardholder’s Card within 150 days from card approval date.
so need to pay rm50 gst 1st and hope get back that amount or rm100 on 6th statement 

even my mbb visa (not petronas), they offered 10k tp for me to offset the gst, still, i need to pay that rm50 1st and later they credit me 10k tp. now dunno what to redeem

why terminate since they gonna offer u 10k tp? 

Is there a RM50 cash voucher in the list?

During the time I enquired about this card back in August, this cash back offer was not in place yet. That time HLB only offered free points to reimburse the service tax payment. As HLB Visa Essential is a cash back card and not point based, there was no incentive to HLB Visa Essential new cardholders for the service tax payment at that time.