i think by fax is faster

Annual fee for the normal maybank world mastercard (without golden lounge privilege - RM 1000) will be waived for expenditure of RM 100k and above in a calendar year.

As for the RM 1500 annual fees with golden lounge privilege, it can be waived if you spend RM 250k or more.

plat card is no longer can consider as high? but world mc / visa infinite does

why go for this card? bcoz:
1. we spend more. so want more CL.
2. we want world / infinite privileges such as free access to klia lounge, free coffee, free movie ticket, free golf.
3. we want special price for selected merchant.
4. lastly, we can get it free for life - either with or without condition

DA world mc & visa inifinite is free for life without any condition

normal for ALL bank. but hsbc only charge rm25 (i read this at my statement).

not good. hsbc charge u 5.99%/year.

if want to do BT, go to bank that offer 0% such as amex 12 months or cimb 6 months

there is always 1 time CA fee!

This post has been edited by erry-: Dec 20 2010, 02:11 PM

yup have contact them, there is 5% fee one time. not so good. PBB has a short term promotion, convert to flexi pay at 0% interest n handling fee for 6 months. i think someone has asked whether this kind of promotion exist

about the bt, for cimb only valid for new card members right ?

yes still exist. alliance installment also fre for 12 months without no 1 upfront fee (valid till 31/12/2010).

refer here - http://www.cimbbank.com.my/index.php?ch=43...k&tpt=cimb_bank

• Applicable to all existing and new CIMB Bank cardmembers except CIMB Islamic Bank cardmembers.

HSBC has a promotion for 6-month BT now. 0% interest and absolutely no upfront charges. Offer ends 15 January 2011. I am going to do a BT from Citibank to HSBC soon

really?

if look @ http://www.hsbc.com.my/1/2/personal-bankin...alance-transfer
it shows 5.99% per year.

Yes, really. I did receive sms from HSBC offering 0% BT for 6 months. But this promotion is not advertised in thier website.

icc. why hsbc not sms me? haha.

but i dont have any outstanding. so cannot do OT

yea i also got the sms from hsbc 0%

aiya guys, i just forgot that i use the installment for HSBC CC.. that means i can't cancel them yet.

u can, by paying 1 lump sum for the remaining balance, plus rm50 penalty

you can settle in full and then cancel, I think HSBC got no penalty clause. Call up CS to confirm.

not sure it is a good idea to cancel my HSBC and change to PBB Esso CC?

got fee.

refer - http://www.hsbc.com.my/1/2/miscellaneous/0...-and-conditions

7. II. d. A termination fee at a rate to be determined by the Bank at its sole discretion from time to time may be charged to your Card Account.

well HSBC do have pretty good promotions and PBB do have good BT plans. But then again you get nothing with HSBC for pumping at Esso.

Go work out out how much you can get in terms of cash rebate from PBB yearly and if it is more than the GST, nothing to loose but more to gain.

how many months remaining in ur hsbc installment?

just go apply pbb esso/mobil coz u always pump at esso/mobil.

for ur hsbc, if remaining balance is more than 1 year, then just swipe 12x/year so no annual fee on next year.

for next year gst,
swipe rm9.5k local (exclude petrol) so can get 9500 points to redeem gst next year, or
enroll in hsbc promo for cashback to cover gst next year, or
get as much rebates from pbb esso/mobil so it can cover the gst for hsbc too



my hsbc annivessary is on september. this year i redeem points.
next year, maybe redeem points too, but from september to now i already get rm80 cashback from hsbc


This post has been edited by erry-: Dec 20 2010, 03:38 PM

good idea if u fill up ur fuel always at ESSO

he already said he loyal to esso


This post has been edited by erry-: Dec 20 2010, 03:46 PM