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 Credit Card v13

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erry-
post Dec 18 2010, 05:35 PM

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QUOTE(chemistry @ Dec 18 2010, 05:33 PM)
Too bad that both cards are Mastercard.
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i only have 2 visa - hsbc & pbb esso/mobil - the best visa for me smile.gif

DA visa plat cancelled already


Added on December 18, 2010, 5:37 pmoh! also, maybankard visa debit! biggrin.gif

but, rm3 = 1 points sweat.gif

This post has been edited by erry-: Dec 18 2010, 05:38 PM
erry-
post Dec 18 2010, 05:40 PM

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QUOTE(chemistry @ Dec 18 2010, 05:39 PM)
I can't even max out my Ocbc Ti rebate capping.
DA MC is used mainly for Dining Privileges purpose. Petrol/Groceries I stil prefer OCBC Ti.

However, I don't mind to fork out RM50 to retain DA MC & SCB Business Plat as I manage to earn enough cashback from OCBC Ti.
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if i have OCBC Ti, definately can max out the rebate brows.gif

too bad they reject my application twice - coz some1 stated in previous thread - i'm a bad customer to the bank! sweat.gif

This post has been edited by erry-: Dec 18 2010, 05:41 PM
erry-
post Dec 18 2010, 05:49 PM

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QUOTE(Gen-X @ Dec 18 2010, 05:45 PM)
Check out the my transactions on 26th November where payments were made to same company for purchase of Universal Studios ticket with DAWMB and MBB Pet Visa. The conversion rate is almost the same!
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u should use MC only to purchase the universal studios ticket. buy 4 get sgd$25 voucher free! smile.gif

if u done it already, congrats thumbup.gif

erry-
post Dec 18 2010, 05:52 PM

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QUOTE(Gen-X @ Dec 18 2010, 05:51 PM)
please don't assumed I didn't  tongue.gif
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good! notworthy.gif

coz u stated "purchase of Universal Studios ticket with DAWMB and MBB Pet Visa" laugh.gif

This post has been edited by erry-: Dec 18 2010, 05:53 PM
erry-
post Dec 18 2010, 06:15 PM

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QUOTE(David83 @ Dec 18 2010, 06:07 PM)
Besides from the 5x TP with Petronas. I don't see any attractive deal with it. That's why seldom use it for usual swipe.
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if really looking for petronas rebates, told already.

mbb petronas = swipe rm2200 can get rm10 only!
cimb petronas = swipe rm2200 can get rm44
da mastercard = swipe rm2200 can get rm44
ocbc titanium = swipe rm2200 can get rm100 / rm50 next year (based on max capped)

so, why mbb? tongue.gif

erry-
post Dec 18 2010, 10:13 PM

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QUOTE(David83 @ Dec 18 2010, 06:23 PM)
MBB is convenient for payment since I have saving account and M2U with MBB. I don't have saving with CIMB and lazy to go to CDM. The availability of OCBC branches is pretty limited.

Judging from all the factors, MBB wins top of the my personal criteria even deals is not the best in the market but acceptable.

By the way, thanks for bringing up the comparison and I may have slip that out in the previous posts.
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ur welcome. i have hsbc and pbb cc but dont have their bank acc. so each due date, i went to cdm at around 11pm sweat.gif

QUOTE(persistence85 @ Dec 18 2010, 07:14 PM)
too bad AMbank 20% and public 15% gonna ends soon, if that promotion is for forever, i will definitely jump into AMbank/PBe
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go to pbb esso/mobil. fuel rebates everyday. now extra 3% till 31/3/2011.

QUOTE(persistence85 @ Dec 18 2010, 07:57 PM)
You can fill up if the indicator show half tank? to maximize ur cash back smile.gif
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if ambank cannot, bcoz min amount is rm50. viva half tank can go only around rm25-rm30 smile.gif





erry-
post Dec 18 2010, 10:21 PM

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QUOTE(lowyat_peter @ Dec 18 2010, 09:08 PM)
ocbc got highest cash back ? got maximum rebate for 1 month? if i buy 2 unit laptop cost ~10k, how much rebate i got for ocbc card?
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laptop only give u 1% max rm20 this year.

so swipe 2k already finish the rebate. next year is max rm50 so can only swipe rm5k for laptop.

if u really want to swipe rm10k with 1 card, go for pbb esso/mobil (free for life).
it give 0.5% so swipe 10k u will get rm50 too, but this card rebate is unlimited!

or if more than 10k, go for pbb visa plat (free for life with conditions), >10k rebate is 0.55%.
other cashback card that offer rebate unlimited are cimb petronas (free for life) & std chartered buss plat (both 0.5%).

that ocbc can use to for other rebate such as petrol and bills.

smile.gif

This post has been edited by erry-: Dec 18 2010, 10:24 PM
erry-
post Dec 18 2010, 10:31 PM

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QUOTE(persistence85 @ Dec 18 2010, 10:26 PM)
why dont open bank saving acc and pay online?  sweat.gif
*

still need to go to cdm to put the money? whats the diff? sweat.gif

This post has been edited by erry-: Dec 18 2010, 10:32 PM
erry-
post Dec 18 2010, 10:36 PM

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QUOTE(persistence85 @ Dec 18 2010, 10:34 PM)
one time put Rm10k and save u hassle  brows.gif
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dont have that money blush.gif

erry-
post Dec 18 2010, 10:37 PM

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QUOTE(Shinichi @ Dec 18 2010, 10:35 PM)
Hi all, my credit card chip starting to have problem now, sometimes I need to get it swiped few times only can go through... can I get free replacement by going to the branch?

Thanks.
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Da charged me rm10 then waived back on next statement (still need to pay that rm10 1st).

other bank, no idea.

erry-
post Dec 18 2010, 10:38 PM

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QUOTE(chemistry @ Dec 18 2010, 10:37 PM)
Add one more HL essential (unlimited 1% cashback)  biggrin.gif
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oh yea forgot the Essential Card from HLB. i did thinking to sign up for the card previously laugh.gif

erry-
post Dec 18 2010, 10:48 PM

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QUOTE(ck_tonny @ Dec 18 2010, 10:41 PM)
If my memory serve me right, they dun offer any cashback to offset GST for this card.
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now got smile.gif

swipe 2x within 45days and get rm50 thumbup.gif

http://www.hlb.com.my/promo/pfs/cc_win_maz...x.jsp?s=ccpromo

with chance to get mazda 3 drool.gif

essentials got 10 entries icon_rolleyes.gif

free for life with 2x swipe/month or rm8k/year laugh.gif

This post has been edited by erry-: Dec 18 2010, 10:50 PM
erry-
post Dec 18 2010, 10:51 PM

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my latest da, 6 months chip error. thats y i ask for free replacement.

but the system need to charge 1st then refund later sweat.gif

my hsbc, very2 in bad condition. still can use notworthy.gif
erry-
post Dec 18 2010, 11:00 PM

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QUOTE(staind @ Dec 18 2010, 10:53 PM)
Correct me if I am wrong. for MBB Petronas card, you will get 5X points. This means that RM2000 = 10000 pts = RM50.

It is better than CIMB Petronas, no?
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1st, apologize coz i put petronas voucher rm10, it should be rm50. notworthy.gif notworthy.gif notworthy.gif

but, to redeem rm50 petronas u need 11000 tp.
to get 11000 tp, u need to swipe rm2200.

cimb, swipe rm2200 get rm44.
but, cimb swipe on 1st day is 5%.

if u swipe rm100 on 1st day, u already get back rm5.

so +/-, for me, cimb win smile.gif


erry-
post Dec 18 2010, 11:04 PM

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QUOTE(persistence85 @ Dec 18 2010, 10:52 PM)
er..  u always sit on ur wallet? maybe the sweat make it become faulty
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nops. my cc have their 'own' wallet.

my hsbc card - broken (not important), plastic swipe teared, 'dirty' black spot chip, but still can use! thumbup.gif

Attached Image Attached Image





erry-
post Dec 18 2010, 11:10 PM

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QUOTE(chemistry @ Dec 18 2010, 11:01 PM)
If I recall correctly, MBB Petronas gets 10X TP on first day of the month.  That means a swipe of RM100 gets 1,000 pts, equivalent to RM4.54, still OK not too bad.
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whatever it is, i'm using pbb mobil/esso.

3% rebate (i pump more than rm500/month - including my wife car) + now extra 3% till 31/3/2011.
also! 3% rebate from esso/mobil (promo at kajang, 2x points).

so, i pump rm600 at esso/mobil, already get back rm51 whistling.gif

(rm36 from pbb + rm15 from smiles points) thumbup.gif

This post has been edited by erry-: Dec 18 2010, 11:17 PM
erry-
post Dec 18 2010, 11:13 PM

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QUOTE(chemistry @ Dec 18 2010, 11:09 PM)
That is so badly damaged  sweat.gif
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QUOTE(persistence85 @ Dec 18 2010, 11:11 PM)
wa.. badly damage...
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but STILL CAN USE! thumbup.gif

QUOTE(David83 @ Dec 18 2010, 11:08 PM)
10x TP, are you sure? I'm not aware of this. Where you get this info?
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10x is on every tuesday! promo till 15/1/2011.

here - http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

too bad my maybank dont have petronas logo. but again, i'm not using petronas whistling.gif

This post has been edited by erry-: Dec 18 2010, 11:14 PM
erry-
post Dec 18 2010, 11:18 PM

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QUOTE(David83 @ Dec 18 2010, 11:15 PM)
OMG! I really missed. Thank you for the reminder.
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welcome.

QUOTE(chemistry @ Dec 18 2010, 11:15 PM)
Oops, every Tuesday huh.
The promo is gonna due soon.
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still got 4x tuesday. i can easily reach rm200 (including my wife car) sweat.gif


erry-
post Dec 18 2010, 11:23 PM

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going out to hsbc now! cdm cdm! my hsbc due date is today! got another 30mins only! haha biggrin.gif

statement balance rm10,981.01

so bringing rm11k cash with me. dont rompak! laugh.gif

need to do cdm more than 7 times coz hsbc kajang cdm only accept rm1500 at 1 time sweat.gif

luckily hsbc and my house only 3mins drive brows.gif
erry-
post Dec 18 2010, 11:40 PM

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back from hsbc laugh.gif

QUOTE(persistence85 @ Dec 18 2010, 11:24 PM)
if u pay extra than ur bill statement, then ur available credit limit will be more than ur CL given, am i right?

maximum cdm accept 50 notes accepted one time for my cdm branch here
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yes pay more, extra CL. but i never reached my CL for this hsbc. even gold but got plat CL smile.gif

hsbc kajang accept only max 30 notes. rm50x30 = rm1500 only.
hsbc near masjid jamek kl accept max 100 notes thumbup.gif

This post has been edited by erry-: Dec 18 2010, 11:41 PM

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