Proceed from v13: Credit Card v13

**Those wishing to get an agent to assist with your credit card application please post your request at the service noticeboard section as this section is about discussion on credit card issues and not for promoting or seeking agent.

Knowing your cards > http://www.bankinginfo.com.my
1. Visa
2. Mastercard
3. JCB
4. AMEX - Charge or Credit Card
5. Diners Club
6. China Union Pay (中国银联)
7. Etc.

1. Annual fee
Annual fee free credit cards :
- CIMB Direct Access
- CIMB Bank
- American Express Green charge card & American Express Gold credit card
- Public Bank (**minimum swipes apply)
- Alliance Bank (**minimum swipes apply)
- UOB Bank (**minimum swipes apply)
- Maybank (**certain cards only)
- EON Bank (**minimum swipes apply)
- Citibank Choice (**minimum swipes apply)
- Hong Leong Bank Essential VISA (**swipe at least twice a month OR spend RM8,000/year)
- AmBank (**certain cards only)
- OCBC (**minimum swipes apply)


2. Tap and Go - no signature required
VISA payWave
**Payment made via Visa Wave is limited to RM150
MAYBANK
- Maybank Islamic PETRONAS Ikhwan Visa Platinum
- Maybank Islamic PETRONAS Ikhwan Visa Gold
- Maybank PETRONAS Platinum Visa
- Maybank PETRONAS VISA Gold
- Maybank VISA Platinum
- Maybank VISA Wave

EON Bank
- GSC-EON Bank VISA Wave
- VISA Wave 'n Go
- Berinda Homes VISA Wave
- Johor Bahru City Square VISA Wave
- Penderosa Gold & Country Club VISA Wave

UOB Bank
- UOB ONE Card

MasterCard Paypass
**Payment made via MasterCard Paypass is limited to RM120
CIMB Bank
- all MasterCard

CIMB Islamic Bank
- all MasterCard

Direct Access
- all MasterCard

Touch n Go
CIMB Touch 'n Go Visa (This is the first credit card with Touch and Go embedded)


3. Credit Card linked to Petrol
- OCBC Titanium MasterCard <> all petrol stations = 5% cash back
- Citibank Cash Back VISA Platinum <> all petrol stations = 5% cash back
- UOB <> BHP Petrol = 2% cash back (UOB One only), 1% cash back (others)
- Citibank <> SHELL (This only applicable for Citibank Shell, Citibank Cashback Plat applies to all petrol stations)
- Maybank/Maybank Islamic <> PETRONAS = 5x Treatpoints
- CIMB Bank/CIMB Islamic <> PETRONAS = 2% cash back
- Public Bank ESSO/Mobil VISA <> ESSO/MOBIL = 0.5 - 5% (tier-based)
- RHB Travel Money <> all petrol stations = 2% cash back (5% cash back every first weekend)
- AMBank Carz <> all petrol stations = 2% cash back (3% for Gold and 5% for Platinum, provided there is an outstanding)

**All range of American Express charge & credit cards give 2x MR/TP on petrol purchases whilst AMEX Gold credit card and Maybankard 2 AMEX give 5x MR/TP. This applies to all petrol brands.


4. Standard financial charge (interest rate)
Tier 1 > 13.5% p.a.
Tier 2 > 16% p.a.
Tier 3 > 17.5% p.a.

Cash advance: 18% p.a from the date of withdrawal.
Late payment: 1% of outstanding or RM 5 whichever is higher.
Minimum payment amount: 5% of outstanding or RM 25/RM 50 whichever is higher.


5. Complimentary Cards
1) HSBC Premier - deposit and maintain RM200k
2) Citibank Citigold - deposit and maintain RM200k
3) Standard Chartered Priority Banking - deposit and maintain RM250k
4) UOB Privilege Banking - Opening deposit of RM300k with maintenance of RM200k
5) OCBC Premier Banking - Opening deposit of RM300k with maintenance of RM200k
6) CIMB Bank Preferred Banking - deposit and maintain RM150k
7) Hong Leong Bank Priority Banking - deposit and maintain RM200k
8) Alliance Bank Privilege Banking - deposit and maintain RM200k
9) RHB Bank Premier Banking - deposit and maintain RM200k
10) Public Bank Red Carpet Banking - deposit and maintain RM500k or a Mutual Gold customer with a total combined deposits of RM200k in savings/current/fixed deposits.


6. American Express
Charge card
AMEX charge card gives 2x Membership Rewards Points for all petrol purchases. This applies to all petrol brands. All other spending will also earn you 2x Membership Rewards points.

Credit card
AMEX Gold credit card
5x Membership Rewards Points for every Ringgit spent on groceries, petrol, bookstores - Kinokuniya, Borders, Times and MPH - and telco charges via Express Autopay - Celcom, Digi, Maxis and TM. 2x Membership Rewards points for all other retail transactions.

AMEX Platinum credit card
10x Membership Rewards Points for every Ringgit charged to your card at Platinum partners. Please refer to American Express MY for the latest list of Platinum partners. All other retail spending earns you 2x Membership Rewards Points.

Maybank Islamic Ikhwan AMEX
5x TP on petrols.
2x on all other retail swipes.

Link to AMEX thread: http://forum.lowyat.net/topic/547867


7. International Transactions
Transactions incurred will be converted to Ringgit Malaysia using US Dollars as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by VISA International/MasterCard Worldwide at its absolute discretion plus administration cost which is to be imposed by the card issuing bank. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
- Maybank VISA/MasterCard : 0.5%
- Maybank American Express with Maybank logo on top : 1.5%
- American Express : 2.5%
- CIMB Bank : 1%
- Hong Leong Bank VISA/MasterCard: 1%
- Public Bank : 1.25%
- Citibank : 1%
- HSBC : 1.25%
- EON Bank : 1%
- UOB Bank : 1%
- Standard Chartered : 1%
- OCBC bank : 1%
- Alliance : 1% (verified by hebe87)

Exchange rate estimator : http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp


8. Credit Card Cancellation Letter



9. Cash Advance fees
Citibank: 5% of cash amount (min RM20), and 18% p.a. daily interest (N/A for Ready Cash)

UOB: The cash advance fee is charged to any withdrawal of cash made. This is imposed for each cash advance transaction. 5% or RM20, whichever is higher.

Maybank: VISA/Mastercard (Both Classic and Gold) | Flat rate of 5.00% of the total amount of cash advance | Min: RM10

CIMB DA: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

CIMB: 5% of the amount drawn, subject to a minimum of RM15, whichever is higher.

HSBC:
The cash advance fee is 5% of the amount advanced or a minimum of RM15. Whichever is higher. This is imposed for each cash advance transaction
For HSBC Amanah Charge Card, cash advance is capped at RM1,000 per transaction and a fee of RM60 per transaction will be levied
For cash advances made over the HSBC banking counter, there will be an additional charge of the following:-
- RM50 on credit cards issued by local banks other than HSBC - RM20 on credit cards issued by non-Malaysian card issuers (including JCB)
- Cards issued by HSBC Bank Malaysia and the HSBC Groupare exempted from this charge

OCBC: The cash advance fee is 5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance/casino chips transaction.

HLB Essential: 2% of the amount advanced or a minimum of RM5, whichever is higher. This is imposed for each cash advance transaction. Minimum withdrawal for each cash advance is RM200.


10. Verified by Visa and Mastercard Securecode
Verified by Visa ---> http://www.visa-asia.com/ap/sea/merchants/...vbv_intro.shtml
Participating banks :
- HSBC
- Standard Chartered
- Maybank (MSOS)
- CIMB Bank
- Public Bank
- RHB Bank
- AmBank
- Hong Leong Bank
- EON Bank
- Alliance Bank
- MBF Cards

MasterCard SecureCode ---> http://www.mastercard.com/au/personal/en/c...code/index.html
Participating banks :
- HSBC
- Standard Chartered
- Maybank (MSOS)
- CIMB Bank
- Public Bank
- RHB Bank
- AmBank
- Hong Leong Bank
- EON Bank
- Alliance Bank
- MBF Cards


11. Balance Transfer: http://forum.lowyat.net/topic/1123346


12. RM50 Government Service Tax - Currently STILL IN FORCE
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on each Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, or on the completion of each year or on the date of renewal of the card (except HSBC which will be billed 1 month later). This means that the above mentioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance.



13. Airport Lounge Access
Alliance Plat - UNLIMITED access to Plaza Premium Lounge KLIA
Citibank Premier Miles - worldwide airport lounge twice a year (saw thier website need to apply before hand). Access to Plaza Premium Lounge KLIA 12 times a year PLUS the Priority Pass with 2 free admissions worldwide (subsequent need to pay). PP is for principal ONLY
Citibank Plat - Free access to Plaza Premium Lounge KLIA with a limit of 12 times a year
SCB VI - gives Priority Pass membership with UNLIMITED free admissions for principal ONLY
SCB Platinum - UNLIMITED entries to Plaza Premium Lounge KLIA for principal ONLY
HSBC Premier - don't even have access to Plaza Premium Lounge KLIA
EON Bank Visa Signature - free priority pass membership for limited free lounge visits worldwide
EON Bank (certain platinum cards) - Free access to Plaza Premium Lounge KLIA, LCCT, Senai & Changi (monthly quota applicable)
UOB Privilege Banking Platinum - UNLIMITED access to Plaza Premium Lounge KLIA, LCCT & Senai
UOB Midas & Preferred Platinum - Free access to Plaza Premium Lounge KLIA, LCCT & Senai (subject to monthly access quota of first 400)
RHB Plat - 4X a year at Plaza Premium Lounge KLIA, LCCT and Senai. 4X access shared with supp card (i.e. supp card also can enter free)

Remark: Most of the Platinum cards issued in Malaysia can only grant free access to KLIA Plaza Premium Lounge only, not the lounges in LCCT and JB.
SCB VI through Priority Pass and Amex Platinum charge card at most of the lounges worldwide.


14. Previous versions
Credit Card V2 Thread : http://forum.lowyat.net/topic/594906
Credit Card V3 Thread : http://forum.lowyat.net/topic/691229
Credit Card V4 Thread : http://forum.lowyat.net/topic/741933
Credit Card V5 Thread : http://forum.lowyat.net/topic/842676
Credit Card V6 Thread : http://forum.lowyat.net/topic/953666
Credit Card V7 Thread : http://forum.lowyat.net/topic/1069190
Credit Card V8 Thread : http://forum.lowyat.net/topic/1250745
Credit Card V9 Thread : http://forum.lowyat.net/topic/1264667
Credit Card V10 Thread : http://forum.lowyat.net/topic/1414513
Credit Card V11 Thread : http://forum.lowyat.net/topic/1530782


15. Useful information
BNM issued guidelines in 2003 that limits consumer liability in cases of fraud to only RM250. See the actual document here. (Courtesy of tishaban) (thanks awaynoway for the updated link)

Credit information:
CCRIS: http://creditbureau.bnm.gov.my/
CCRIS report - go to Bank Negara yourself and use self-service terminal to get report with MyKard (you need to go as need thumb print).
CTOS: http://www.ctos.com.my/
BRIS: http://bris.com.my/index.html

Swipe Smart with 6E:
http://www.abm.org.my/Swipe_Smart_with_6E_...ffectively.aspx


16. FMB - Financial Mediation Bureau
http://www.fmb.org.my/index.htm


17. AKPK
- An agency set up to provide financial education, financial counseling and debt management
http://www.akpk.org.my/Home/tabid/36/Default.aspx

Link to AKPK thread : http://forum.lowyat.net/topic/876712


18. Other Links By Users
A blog about credit cards > My Credit Cards


19. Credit Card/Charge Card Reward Points
Validity of numerous credit card/charge card reward points
1) HSBC - up to 3 years
2) Citibank - reward points are evergreen
3) Maybank - reward points are evergreen
4) CIMB Bank - 3 years
5) Alliance Bank - reward points are evergreen
6) Standard Chartered - 3 years (**SCB VI Choice Points are evergreen)
7) American Express - Membership Rewards Points are evergreen
8) Hong Leong Bank - up to 3 years
9) AmBank - up to 3 years
10) RHB Bank - 3 years for Platinum and 2 years for all cards ranked lower than Platinum
11) UOB - 3 years
12) EON Bank - 3 years


20. Premium Credit Cards and its requirements
1) CIMB & DA World Mastercard/Visa Infinite - Min Income Requirement : RM 200k
Existing HSBC Cardholder with CL RM30k and above OR Citibank CL RM50k and above OR Other banks RM70k and above MIGHT also be accepted, limited time promotion only
2) CIMB Enrich World Mastercard - Strictly by Invitation (those with card usage above RM 500k per annum may be considered)
3) CIMB VISA Signature - Min Income Requirement : RM100k
4) Maybank World Mastercard - Min Income Requirement : RM 240k
5) MBF World Mastercard - Min Income Requirement : RM 200k (By Invitation)
6) Standard Chartered Visa Infinite - Only for Priority Banking customer (RM 250k in deposits)
7) RHB Visa Infinite - Strictly by Invitation Only
8) HSBC Premier Mastercard - Only for HSBC Premier customer (RM 200k in deposits)
9) EON Bank VISA Signature - Min Income Requirement : RM180k


21. Best Credit Cards and its categories
Please note these are just recommendations based on normal spending. High spending or specific usage individuals might want to look at other cards.
1) Classic Card = Hong Leong Essential
2) Gold Card = Alliance Younique, Maybankard 2 AMEX
3) Titanium Card = OCBC Titanium / Standard Chartered Titanium (**product withdrawn from sale)
4) Platinum Card = Alliance Platinum / SCB Business Platinum / Citibank Cash Back Platinum / AMEX Platinum Charge Card (assuming AF is waiveable)
5) Visa Signature = EON VS
6) Visa Infinite = SCB VI
7) World MasterCard = Maybank WMC (assuming AF is waiveable)


22. Credit Cards with Complimentary Travel & Accident Insurance
1) All HSBC/HSBC Amanah credit cards
2) All Citibank credit cards (except all co-brand cards, cash back)
3) All Public Bank generic credit cards
4) All Maybank generic credit cards
5) All AMEX charge card & AMEX Platinum credit card
6)

This post has been edited by MilesAndMore: Feb 1 2011, 10:26 AM

Shouldn't this thread proceed from v13?

The previous thread really run too fast.


As mentioned numerios times, SCB WMC does not give complementary access to airport lounges. Do update the list.

v14. Great

i want to ask, if i apply pb cc online, do i entitle for the rm50 cash back or just 8% rebate only ? thanks

This post has been edited by sillysu: Jan 15 2011, 05:25 PM

Direct access no more gives petrol rebate.

Yes, the first page needs to be updated immediately. Some information is incorrect and no longer relevant, thus misleading people.

Information updated ! Do point out any other errors as i have not been following the last thread for close to a week already and the information in the first post was copy and paste from the previous version of credit card thread.

To add link to V12 & V13. Wonder if anyone ever go to those previous threads.

don't thk so, they don't even look at first post

miles, kindly add " Please read first post before posting question" at the Topic Description section, thanks.

---

Added on January 15, 2011, 8:26 pmif apply online, should be 8% rebate up to max of RM80

This post has been edited by alexwsk: Jan 15 2011, 08:26 PM

yah, do that.

Also Miles, last few post in the previous version it was mentioned that Alliance and UOB no longer providing Insurance for Travel i.e. no benefit in charging your air tickets with these card. Also AMEX Gold CC no Insurance for Travel. It was suggested that this info be on the first post and I second it.

Also pls add
CIMB Bank Visa Signature- Min Income Requirement : RM100k
thx....

Sure. But then, may be some of you can tell me credit cards from which bank offer complimentary travel & accident ?

miles, i don't thk anyone will read all posts b4 asking question, just the 1st post is enough la
lot's of cards offering complimentary travel, such as AMEX Plat, PB Plat/Gold/Classic, MBB Plat/Gold/Classic and many more

This post has been edited by alexwsk: Jan 15 2011, 10:12 PM

Besides Amex Gold CC, other popular CCs that DO NOT provide complimentary travel insurance include OCBC Titanium MC, SCB JustOne Titanium MC and SCB Preferred World MC.

OCBC Tit MC does have travel inconvenience benefit of RM5k. http://www.ocbccards.com.my/titaniumPrivileges.aspx

Alliance Platinum cards no longer have travel insurance. Neither does the Maybank Petronas Visa.

I've changed it again

What's the best thing to use HSBC reward points for? Got around 33K points at the moment

On the other hand, SCB Classic/Gold/Plat/Business Plat cards do offer complimentary travel insurance & Purchase Protection Plan (aka theft/loss protection, for 30 days).

Shopping vouchers probably ...

there are so many card out there with different offer. I was thinking of doing something like summarizing travel insurance for my blog but yet to go about it as need a lot of research. Will post once I do find the energy to do it.

AMEX is a good card.. i am applying that. hehe..

Of cause not only Dec. If yes, i wouldn't ask here..Even the petrol i filled during Jan also have 2% rebate..

Do you mind to share the screenshot? (you may hide confidential info of course)
This is interesting.

What I meant was the travel ACCIDENT insurance. It is not recommended to use OCBC Titanium MC purchasing air tickets.

correct!
btw SCB/UOB/DA Plat, which is better for travelling coverage?
isnt SCB?

We have to see to believe... screenshot with transaction dates and location is sufficient.

Just got my OCBC statement generated for 14 Dec 2010 to 15 Jan 2011, the max rebate is indeed RM120.00
From now on need to keep the usage below RM1000 to maximise the RM50 rebate ;-)

Notice that Krispy Kreme @ Midvalley not entitled to 5% rebate

F&B Retailers with 5% Cash-Back Rebate
Bubba Gump Shrimp - The Curve
Carrefour - Puchong Utama
Dragon-I Restaurant - 1 Utama
Esquire Kitchen - Tesco Puchong
Hokkaido Ichiba - The Gardens
KFC - Giant Bdr Kinrara
O'Briens - 1 Utama
O'Briens - Empire Shopping Gallery
Papa John's Pizza - IOI Mall
Peranakan Place - 1 Utama
Pizza Hut - Giant Bandar Puteri

This post has been edited by ronnie: Jan 16 2011, 12:04 PM

Can we consider Citibank Clear Card as one of the best classic card because of its “BUY 1 FREE 1 at GSC on Fridays”?

From the point of movies ... maybe. But different people have different definition of "best" to them.
Generally I wouldn't want to call Citibank Clear Card as the best classic card.

OK. Thanks for your opinion.
Well, just forget it

thanks for producing the list above. appreciate it

citibank clear card best classic card ? i agree with it. 3x rewards points at selected merchant, free coffee, free ticket, sometime got discount concert ticket (eg, jay chou concert 20% off), low entry requirement

Let's not get carried away with this best card question. Many will come in here will ask this best card again.
We already have a good guide over in #1.

All the above-mentioned cards come with complimentary travel accident insurance of up to RM1mil. You may want to look into other related details such as travel medical insurance, luggage loss, luggage delay, etc.


That's right. Different people have different preferences. I am not a diehard movie lover, therefore that card is definitely out of my list.

what you guys think bout amex gold card? Is it worth to apply for? I interested in their reward points and 15% rebate offer.

Do discuss this in the designated American Express thread.

http://forum.lowyat.net/topic/1190530

Anyway, the 15% cash back promotion will be ending on 28-2-2011.

i'm waiting for the bill rebate which should appear by end of the month

Just to update all:

CIMB cardholders shopping at Pavillion and Sunway Pyramid - CIMB giving Yu Yan Sang's hampers from 15 Jan to 15 Feb 2011 spending RM2,000 and above. Similar to Christmas offer, more you spend the bigger the hamper. Do note one hamper per day only.

KLCC - Spend RM500 and above gets you 6 Chinese Horoscope sauce plates. Citibank members also enjoy special gift redemption for using their cards - Spend above RM2500 get you a La Gourmet flask and with RM10 chance to win a iPhone 4. Go check out Citibank booth before you start shopping for more info.

One hamper per customer per day?

I would like to ask about how can i obtain or register a credit card as a student that has no income but will be working starting from next month.
I'm planning on getting a digi iphone plan based on installment and require a credit card to obtain this plan.
Will be using the i phone for working purposes and would be a vital matter to me if i was able to obtain it...
Thanks =)

You must first get at least 2 or 3 months payslip then only can try to apply cc.
You may ask for a supplementary card from your parents/siblings if any one of them is a principal cardholder.

This post has been edited by chemistry: Jan 17 2011, 03:17 AM

Credit card application require proof of income. I think that answers your question.

You need to have al least RM18K annual income (or RM1.5K/month)to qualify. And you need to be 21 years old.

Having said the above, if you are 21 years and above, and don't have steady income. you can deposit money into fixed deposit and pledge it for credit limit. And if you have RM200K better still, you can open a privilige banking account and they will issue you a credit card. Go talk to your bank.

my recommendation is worry about credit card after you finish school.

OT: if the iphone is vital for your work, then the company should issue a unit to you. my recommendation for your case is get a second hand 2G or 3G unit which is cheaper than 3GS and should be good enough for your work and you don't need a credit card to sign up for DiGi iphone Plan (no phone just call/data plan or prepaid).

This post has been edited by Gen-X: Jan 17 2011, 08:06 AM

Also to update, EON VS is now a maximum of 3 times lounge visits worldwide via Priority Pass. Thks

Information for UOB Card members - lunch and dinner set for 2 at RM88++ and RM168++ respectively at Westin, Parkroyal, Nikko and Pavillion.

Click here to see UOB Dinning Offer in pdf format.

I took up the offer at Prego Westin Hotel KL last Friday. The UOB dinner set comes with beef for main course and I don't take beef. So if interested to go take up the offer, do call the restuarant to check what's on the menu. Click below to read about my dinner


http://creditcardsmalaysia.blogspot.com/20...hotel-kl-i.html

This post has been edited by Gen-X: Jan 17 2011, 08:30 AM

Autodebit on Telekom actually rebates RM4 or RM2 ? I have enrolled and all I got is RM2. (streamyx combo bill RM100)

RM2 is standard rebate as published by TM.
RM4 is surprise offer

best card for petrol - ocbc titanium
best card for glocery - rhb tesco/citi giant
best card for epp - eon bank 36 months for 2k load
best card for travel - stanchart platinum free vip lounge
best card for BT - CIMB 0% for 6 months
best card for shopping - amex gold 5X point and 15% rebate promo on big shopping centre
best overall card, 1 card carry holder - HLB essential 1% rebate
best easy for payment issuer - MBB via m2u/cash deposit
best card for frequent guaranteed gift - stanchart, this month got free digial frame worth rm250 for those load 4k
best card for instant cash gift - stanchart rm188 for plat rm88 for gold

This post has been edited by JamesPond: Jan 17 2011, 02:52 PM

Seriously..surprise bonus ??
Have to ask TM why ..hehe

Just kidding.
Don't waste time asking TM. They know nothing.
Unless you have plenty of time

Best card for Enrich Miles earner - MBB WMC.

best card for petrol - ocbc titanium
best card for glocery - rhb tesco/citi giant
best card for epp - eon bank 36 months for 2k load
best card for travel - stanchart platinum free vip lounge
best card for BT - CIMB 0% for 6 months
best card for shopping - amex gold 5X point and 15% rebate promo on big shopping centre
best overall card, 1 card carry holder - HLB essential 1% rebate
best easy for payment issuer - MBB via m2u/cash deposit
best card for frequent guaranteed gift - stanchart, this month got free digial frame worth rm250 for those load 4k
best card for instant cash gift - stanchart rm188 for plat rm88 for gold
Best card for Enrich Miles earner - MBB WMC

updated. dont use enrich, no money to travel.

Good attempt but I have to disagree with you on some of your selections.

Disagree. It should be OCBC Titanium MC. Tesco-RHB and Giant-Citibank CCs only give 2% cash back at Tesco and Giant respectively, whereas OCBC Titanium MC gives 5% cash back at all hypermarkets and supermarkets.


Disagree. Amex's 15% cash back promotion is temporary and will be ending on 28/2.


Disagree. The cash back given is based on denomination of RM1. If you spend RM199, you will only get RM1 cash back.


Disagree. That is a temporary promotion and it can be withdrawn anytime.

i think there is no best card around and it is just depend on different kind of person.

Do you mean given in denomination of RM100...every spend of RM100 you get back RM1 ?

citi-giant card earns 8% cashback on weekends. Although not published officially, but it has been like that for many months.
Furthermore, the cashback is uncapped.

As far as I know, cash back for HLB VISA Essential is based on spending per block of every RM100. If you spend RM100 - RM199, you will get RM1 cash back. If you spend RM99, you will get NOTHING.

This was the information I obtained from HLB when I intended to apply for this card last year. But this definitely drove me away!

---

Added on January 17, 2011, 4:35 pmBut then, it is only applicable to Giant, not all hypermarkets and supermarkets. Therefore, it doesn't really fit the "best card for groceries" category.

This post has been edited by winner: Jan 17 2011, 04:35 PM

I'm just trying to elaborate on citi-giant card. I didn't intend to push it as best groceries card, ok.

Previously CIMB cc holders with over RM 75k credit limit entitled as Preferred customer, I wondered if it is still applicable now?

For MBB WMC, card holders entitled for priority service at any branch just by showing the cc itself.

citibank giant 8% rebate is only applicable if u have outstanding balance, but u will be charged by bank interest.

i see. Thanks for your input.
However, 5% uncapped rebate at Giant is still quite good. This is especially useful for big families which spend a lot of groceries LOL.

---

Added on January 17, 2011, 5:44 pmMy friend was offered Preferred Banking and a WMC by just placing RM50K cash deposit. That's all. The CS said that was a special offer wor....

This post has been edited by chemistry: Jan 17 2011, 05:44 PM

need to visit tm point?
Applicable for all credit card?

You have 3 options:
1. visit TMPoint
2. Call 100
3. Download & print autopay form, then fax
All locally issued credit cards are acceptable.

Even MBB Platinum cardholders can access to its private banking centres.

You have been badly misinformed by the CS. I have own Essential since its inception and it's 'generous' to say the least.

Refer below :


USAGE REBATE
===============

3683.18 - 37
1734.02 - 18
2256.22 - 23
2757.14 - 28
3898.58 - 39


Don't you think the rounding up is pretty generous?

This post has been edited by sweetpea123: Jan 17 2011, 06:34 PM

Oh...that's great. The CS officers lose a customer when I inquired about this card last August! I asked 2 different CS officers but both gave me the wrong information.

If I was informed this earlier, then I could use this card to swipe the partial downpayment for my property purchase last year!

This might be old news for you guys.
CIMB cardmembers can now reload mobile prepaid via CIMB Clicks using credit card account.

wah...never get rm4 rebate..only rm2 monthly...did u get rm4 rebate??and mind to share how??

qualified SCB card holders, remember to send in your SMS tomorrow monring

HSBC ccard got latets promotion, but need to spend at least rm200
https://www.hsbc.com.my/1/PA_1_1_S5/content...nc_cny_2011.pdf

Probably have been revised upwards as well as the they have also raised the minimum deposit for CIMB Preferred from RM150k to RM200k.

finally, my maybank petronas visa gold card has been charged RM50 for GST. No one can run away from it.

Don't you know Citibank's Cash-back is always need to accumulate before credit back to your account ?
This concept is similar to collecting points, only this time you collect rebates...
It's not creditted monthly like OCBC or Direct Access.

You should call the CS to give you 10000 TreatPoints to offset it.

That's real evidence that HLB do give 1% unlimited cash back based on total spending for the month.
Any special sign-up offers for HLB Essential Visa ???

I have to agree with you. I was a "victim" before.
Every block of RM20 will need cumulative spending of RM400 (assume 5% cashback).
I don't like this.

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Added on January 18, 2011, 12:10 amWhat time do you think is the first 1000th sms?
Are there really so many RM4k SCB spenders ?

This post has been edited by chemistry: Jan 18 2011, 12:10 AM

so easy to get preferred cimb account? sure bo?

Those smart fellas will hold their sms....
No harm in sending a sms every 15mins for that 3 hours window...only 12 SMS to win an iPad wor.

huh? can keep sending sms meh?
I thought one can only sms once and that's all?

The T&C didn't say cannot send multiple SMS.
Are SCB expecting 100,000 cardmembers with RM4k spends ?

this is what I doubt.
If one sms is worth RM4k, 200000 sms will imply a RM800 million ! Unbelievable!

Update:
I just rang SCB CS. He said "One can send multiple sms as many as he can".

This post has been edited by chemistry: Jan 18 2011, 01:06 AM

Maybank announce 4 new free for life credit card

Maybankard 2 Gold Card

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Maybankard 2 Platinum Card

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

http://www.maybankard2cards.com.my/

This post has been edited by bingozero: Jan 18 2011, 07:34 AM

Based on historical trends, the number of SCB card holders who spent above RM5K per month are between 5 to 6 thousand pax fyi. But with the ipad thrown in, figure is expected to increase but doubt it would exceed 15 thousand pax max

New cards offering by Maybank starting April - "Maybankard 2 Card", a combination of Maybankard 2 AMEX and Maybankard 2 Mastercard or Visa.
Probably the total value of Treat Point and cash rebate is higher than OCBC 5% cash rebate and not limited to certain merchant as OCBC 5% cash rebate.

Benefit:
1. Finance charge - 8.88% p.a.
2. 5x TP on AMEX or 1x TP on Mastercard/Visa anywhere.
3. 5% weekend cash rebate for ALL spending on AMEX. Cap at RM50.
4. Pay only 1 GST, lifetime annual fee waiver with no T&C, minimum annual income of RM30k, minimum payment of RM25.

Product Disclosure Sheet:


Do read:
Promotion Page on Maybank
Product Disclosure Sheet.
Terms & Conditions

This post has been edited by roy918: Jan 18 2011, 07:54 AM

same thing apply to the shell card?

if i have got RM25 rebate now, I can only redeem RM20?