The service tax was charged in June 2010. Then SCB sent me an offer letter stating that they would give me free 11,000 points in July 2010. They did not relate it with compensation for service tax as they could not do it openly. Obviously, it was the compensation for service tax. I used my own 10,000 points to redeem the RM50 service tax payment. In return, I still got an additional 1,000 points.

The offer was given to selected customers only. I have no idea on whether SCB will continue to give free points this year. Even if SCB does not give me free points this year, I will still pay the service tax and continue using SCB JustOne Titanium MC as this card is simply too good.

Yes, 0.5% cash back plus 1x point for RM1 charged, equivalent to a total cash back of 1%.

The 10,000 TPs are not free. They are your own points. However, it is not difficult to earn 10,000 TPs from Maybankard 2 Amex because of the 5x TPs.


The rates look OK but it would be better if you could make the payment using 2 different cards and compare the rates.


Call them during office hours. Sometimes those CS officers who are on duty after office hours only handle card loss and emergency cases.

I am quite satisfied with SCB CS. After trying OCBC, I would say OCBC CS is top notch and better than SCB.

Amex is accepted at Shell, both pump and counter. For you, it would be better to use OCBC Titanium MC if you manage to get it.

I don't think one can get OCBC Titanium MC with just RM24,000 annual income. Like you said, if somebody who doesn't meet the income requirement but uses another cc with substantial CL as a reference card without providing income documents, then the application can be approved.

Get the first 2 cards, it can't be wrong.


To me, my DA VI is useless except for BT. Until now, my DA VI's transaction remains zero. But I will still keep it for the 0% interest BT programme.

For your information, CIMB is very generous in granting high CL.

You buy GSC tickets in bulk and sell them later? This kind of business is too small and not my cup of tea.


It depends on your spending pattern. If you are not a big spender, you can opt for OCBC Titanium MC. Do note that the maximum cash back per month is RM50 only. If you spend more, you get NOTHING - NO cash back and NO reward points.

Maybankard 2 Amex is good, as it gives UNLIMITED 5x TPs everyday plus additional 5% cash back on weekends (subject to a maximum cash back of RM50 per month). However, Amex is not widely accepted in Malaysia and overseas at this point in time. You need to have other cards like MC or VISA as a backup.

Most of us get the 2 cards above, to enjoy the cash back and points to a greater extent.

You are lucky to be selected for the free 10,000 TPs, which can be use to offset the RM50 service tax later. That means, your Maybankard 2 cards are FOC in terms of AF as well as service tax for first year.

You should give them a copy of your salary payslip. You can't blame OCBC, as any staff processing the application will think your monthly salary is only RM2,000 given a CL of RM6,000.

On a separate note, I have managed to reduce permanently the CL of my OCBC Titanium MC to just RM6,000, taking into consideration the maximum cash back cap of RM50 per month.


The offer is given to selected customers only. It is meaningless to see the content actually.

If OCBC processing officers feel they are confident and comfortable to have a customer like you, they won't call you or check you through your HR Department.

Banks' main source if income is from INTEREST. You think banks give loans for free? Banks give you more than 20 days of interest-free period, it is fair to charge you interest if you do not pay your outstanding balance in full.

AF for all SCB CCs (except old SCB VI which was open to non-PB customers) can easily be waived upon request.


Minimum legal age to apply for a cc in Malaysia is 21 years old.

For SCB CCs, the best redemption is actually cash redemption which requires lower points compared to shopping vouchers. Unless you have SCB Preferred WMC, where you can redeem a few premium items at more than 50% discount points as opposed to normal points required.

On top of the free unlimited access to KLIA Plaza Premium Lounge, every RM1 spent on your SCB Platinum in overseas will give you 3x points. But it is still cannot beat Maybankard 2 Amex which gives 5x points. Do note that both SCB and Amex impose higher admin fee on forex conversion.

No way! You cannot pay your loan using cc.

You may request the bank to restructure your debt but the chance could be slim. Or else, you can consider to do BT.

It has just been approved. The account may be activated a few days later.