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 Credit Card v15, Ask general questions here, Please read the 1st post before posting

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MilesAndMore
post Mar 1 2011, 10:42 AM

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QUOTE(yuunasue @ Mar 1 2011, 10:19 AM)
Thanks replied. I will change it to Maybankard 2 instead of petronas. Noted that im prefer platinum-level service and worldwide recognition. I thinks this card not entitle right? Base on their website provided detail. Compare with Maybank Visa Platinum & Visa Petronas & Maybankard 2.
You do get all the usual Platinum benefits.


QUOTE(ronnie @ Mar 1 2011, 10:23 AM)
In terms of priority of use, should be Maybankard 2 AMEX, followed by Standard Chartered Business VISA ??
Not sure on this as we're still not sure how's the exchange rate for Maybankard 2 AMEX is like.


xjeez
post Mar 1 2011, 10:51 AM

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QUOTE(bingozero @ Mar 1 2011, 10:04 AM)
Here is the website and I also cannot find any T&C
http://www.standardchartered.com.my/person...back/index.html

My SCB credit card already approve but charge RM50 for the gov tax.
*
You'll only get the RM188 after you swipe the card once in a non-petrol transaction.

It was buried in their T&C somewhere.

ronnie
post Mar 1 2011, 10:58 AM

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Let's do some examples :-

USD1 = RM3.00
Convert RM1 = 200 TP/CP

Spend of USD100
Maybankard2 AMEX charges 2.5% = RM307.50 = 1537 TreatsPoints [RM7.69]
SCB Business VISA charges 1.0% = RM303.00 = 909 ChoicePoints + RM1.52 [RM6.07]

Spend of USD3000
Maybankard2 AMEX charges 2.5% = RM9225 = 46125 TreatsPoints [RM230.63]
SCB Business VISA charges 1.0% = RM9090 = 27270 ChoicePoints + RM45.45[RM181.80]

Somehow, Maybankard2 AMEX still tops !!!

This post has been edited by ronnie: Mar 1 2011, 11:05 AM
ronnie
post Mar 1 2011, 10:59 AM

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QUOTE(xjeez @ Mar 1 2011, 10:51 AM)
You'll only get the RM188 after you swipe the card once in a non-petrol transaction.

It was buried in their T&C somewhere.
*
SCB RM188 Cashback T&C @ http://www.standardchartered.com.my/person...h-back/tnc.html
Gen-X
post Mar 1 2011, 11:06 AM

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QUOTE(yuunasue @ Mar 1 2011, 09:53 AM)
Can all give me some comments, i received 3 type of Platinum card from Maybank. Which is Maybankard 2, Petronas and Amex Black. Why their issue too many card same time, just fill up upgrade card only.. ? And will i get any Tax charge, since i'm not going to activate it.

BTW, i'm mostly use in oversea, which card better, don't think the maybankard2 will benefit me. And that Maybank2 card consider Platinum or gold, look classless wherever with platinum words =_=ll and I select from platinum card range not listed. And 5X point how to work it at oversea? Is it like USD100 X3 X5 point?

Currently i'm holding petronas since their didn't charge any annual fees to my account, if change the other, scary have to pay for it.
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Wah, you must be big spender to be offered AMEX Black tongue.gif I guess you referring to the Maybankard 2 Amex Plat where I call it MBB Dua Amex.

Like Miles said, cancel the MBB Petronas, no point having it since got Maybankard 2 Visa.

Click here to read more about Maybankard 2 Cards Review at my blog on credit cards.

QUOTE(ronnie @ Mar 1 2011, 09:58 AM)
Assuming overseas CC charges is paid by the company, which cards offer the best to the employee
1. Maybankard2 AMEX with 5% on weekends and 5x TP
2. SCB Business Visa with 0.5% and 3x ChoicePoints
3. Maybankard2 Visa
Which of the above cards gives lower Forex rate ?
*
Maybankard 2 Visa. If not mistaken, winner have posted before SCB bank rate very high. Amex charges 2.5% but with 5X maybe will break even.
Click here to see comparison of Amex rate vs MBB Petronas Visa I posted in 2009 at my blog.


QUOTE(MilesAndMore @ Mar 1 2011, 10:42 AM)
You do get all the usual Platinum benefits.
Not sure on this as we're still not sure how's the exchange rate for Maybankard 2 AMEX is like.
*
Just to add. there are three main difference between Maybank Platinum Visa/MasterCard vs Maybankard 2 Platinum Amex, Visa and MAsterCard.

1. Maybank Platinum Credit Cards Annual Income Requirement RM120K, twice that of Maybankard 2 cards.
2. Maybank Platinum Visa/MC grant you access to MBB Private Banking Centres. Maybankard 2 Platinum don't.
3. Maybank Platinum Visa/MC gives you 2X points for overseas but Maybankard 2 Visa/MC 1X.
4. I got to go check the Travel Insurance Amount to see if they are the same.

And to add, there is one very big difference between having the Platinum printed on the Maybankard 2 Amex. Without it, you cannot enter Gardens Premier Toilet for free and got to pay RM5, hahahaha


Anyway, I just listed most of the banks Customer Service Contact numbers at my blog. Click below to read more.
Click here to read my lastest post listing Customer Service Contact Numbers for CC.

This post has been edited by Gen-X: Mar 1 2011, 11:14 AM
yuunasue
post Mar 1 2011, 11:31 AM

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[quote=Gen-X,Mar 1 2011, 11:06 AM]
Wah, you must be big spender to be offered AMEX Black tongue.gif I guess you referring to the Maybankard 2 Amex Plat where I call it MBB Dua Amex.

^^ i do have HSBC Premier Blue.. More then enough @@

Like Miles said, cancel the MBB Petronas, no point having it since got Maybankard 2 Visa.

If i didn't activate card and return back to them, will any Tax charge?

Click here to read more about Maybankard 2 Cards Review at my blog on credit cards.
Maybankard 2 Visa. If not mistaken, winner have posted before SCB bank rate very high. Amex charges 2.5% but with 5X maybe will break even.
Click here to see comparison of Amex rate vs MBB Petronas Visa I posted in 2009 at my blog.
Just to add. there are three main difference between Maybank Platinum Visa/MasterCard vs Maybankard 2 Platinum Amex, Visa and MAsterCard.

1. Maybank Platinum Credit Cards Annual Income Requirement RM120K, twice that of Maybankard 2 cards.
2. Maybank Platinum Visa/MC grant you access to MBB Private Banking Centres. Maybankard 2 Platinum don't.
3. Maybank Platinum Visa/MC gives you 2X points for overseas but Maybankard 2 Visa/MC 1X.
4. I got to go check the Travel Insurance Amount to see if they are the same.

Just to compare with Petronas and maybakard 2, except private banking, any other BIG difference? Such as airport lounge.. etc

And to add, there is one very big difference between having the Platinum printed on the Maybankard 2 Amex. Without it, you cannot enter Gardens Premier Toilet for free and got to pay RM5, hahahaha

Haha, then i show then Platinum Debit Card !!!!

This post has been edited by yuunasue: Mar 1 2011, 11:32 AM
MilesAndMore
post Mar 1 2011, 11:32 AM

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QUOTE(Gen-X @ Mar 1 2011, 11:06 AM)
And to add, there is one very big difference between having the Platinum printed on the Maybankard 2 Amex. Without it, you cannot enter Gardens Premier Toilet for free and got to pay RM5, hahahaha
doh.gif LOL. Still got the Maybankard 2 VISA Platinum mah biggrin.gif

Gen-X
post Mar 1 2011, 11:40 AM

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yuunasue: for MBB you don't have to activate cards, can go use it on the spot. Better you call CS now and see if you can termintate the Petronas Card.
As for Airport Lounges, go to my blog and click on KLIA Plaza Premium Lounge Access with CC. MBB no, but if you got MBB WMC with the higher annual fee, then yes yo got access to Golden Lounge.

This post has been edited by Gen-X: Mar 1 2011, 11:43 AM
tzeling
post Mar 1 2011, 11:51 AM

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Hi, if anyone could tell me for DiGi Postpaid Autobilling right, is it entitled for 5% cash rebate if charge to OCBC Ti MC?
milentechie
post Mar 1 2011, 11:51 AM

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Promotion SMS from OCBC:
OCBC Cards: Gold Coins worth RM70000 to be won! Swipe over 3x/day or while you are abroad to triple yr chances. T&Cs apply.
ronnie
post Mar 1 2011, 11:58 AM

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QUOTE(milentechie @ Mar 1 2011, 11:51 AM)
Promotion SMS from OCBC:
OCBC Cards: Gold Coins worth RM70000 to be won! Swipe over 3x/day or while you are abroad to triple yr chances. T&Cs apply.
*
Read the T&C: http://www.ocbccards.com.my/tncGoldCoin.html

p.s. I didn't win the OCBC RM50,000 Travel vouchers give-away cry.gif cry.gif
Winner list: http://www.ocbccards.com.my/promoYearEndWinners.aspx

This post has been edited by ronnie: Mar 1 2011, 12:00 PM
HaoYuan
post Mar 1 2011, 11:58 AM

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hey, decide to apply for standard chartered platinum card , may i know how long in order for them to approve my card?
ronnie
post Mar 1 2011, 11:59 AM

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QUOTE(HaoYuan @ Mar 1 2011, 11:58 AM)
hey, decide to apply for standard chartered platinum card , may i know how long in order for them to approve my card?
*
Make sure you apply for the Business Visa Platinum which have 1 advantage : 0.5% Unlimited CashBack
Gen-X
post Mar 1 2011, 12:00 PM

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QUOTE(tzeling @ Mar 1 2011, 11:51 AM)
Hi, if anyone could tell me for DiGi Postpaid Autobilling right, is it entitled for 5% cash rebate if charge to OCBC Ti MC?
*
Yes, you'll get 5% cash rebate from OCBC and RM5 rebate from DiGi.

This post has been edited by Gen-X: Mar 1 2011, 12:00 PM
TSalexwsk
post Mar 1 2011, 12:03 PM

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QUOTE(ronnie @ Mar 1 2011, 10:58 AM)
Let's do some examples :-

USD1 = RM3.00
Convert RM1 = 200 TP/CP

Spend of USD100
Maybankard2 AMEX charges 2.5% = RM307.50 = 1537 TreatsPoints [RM7.69]
SCB Business VISA charges 1.0% = RM303.00 = 909 ChoicePoints + RM1.52 [RM6.07]

Spend of USD3000
Maybankard2 AMEX charges 2.5% = RM9225 = 46125 TreatsPoints [RM230.63]
SCB Business VISA charges 1.0% = RM9090 = 27270 ChoicePoints + RM45.45[RM181.80]

Somehow, Maybankard2 AMEX still tops !!!
*
er, how can M2 Amex comes on top? after deducting the rebates from TP/CP, you pay more if you use M2 AMEX, unless you factor in 5% on weekends, but that is up to max of RM50 only
Gen-X
post Mar 1 2011, 12:10 PM

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QUOTE(alexwsk @ Mar 1 2011, 12:03 PM)
er, how can M2 Amex comes on top? after deducting the rebates from TP/CP, you pay more if you use M2 AMEX, unless you factor in 5% on weekends, but that is up to max of RM50 only
*
his comparison is just based on his assumptions and not actual cases. By assuming that SCB charges 1% itself is flawed because the actual rate is much much higher. Winner the best to tell us about using SCB for overseas transactions. Waiting for him to reply.

If you click the link I provided above for my overseas transactions in 2009, HSBC is almost as high as AMEX and I would reckon the same for SCB.
SUSrockefeller
post Mar 1 2011, 12:11 PM

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I have a question:

When one applies for credit card from Standard Chartered and received a call from Standard Chartered asking them to read out their IC number, office address etc does that mean the application will get approved for sure or this is just a battle won halfway per say? Just curious.
hye
post Mar 1 2011, 12:24 PM

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QUOTE(rockefeller @ Mar 1 2011, 12:11 PM)
I have a question:

When one applies for credit card from Standard Chartered and received a call from Standard Chartered asking them to read out their IC number, office address etc does that mean the application will get approved for sure or this is just a battle won halfway per say? Just curious.
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Hi bro rockefeller ... long time no see.

If this happens ... means the bank is merely confirming the information that is in the application form.
It does not mean the application is approved nor not approved.
SUSrockefeller
post Mar 1 2011, 12:26 PM

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QUOTE(hye @ Mar 1 2011, 12:24 PM)
Hi bro rockefeller ... long time no see.

If this happens ... means the bank is merely confirming the information that is in the application form.
It does not mean the application is approved nor not approved.
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Hello hye. Yes it has been quite awhile!

Thanks for your prompt reply. Much appreciated.
ronnie
post Mar 1 2011, 12:42 PM

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QUOTE(alexwsk @ Mar 1 2011, 12:03 PM)
er, how can M2 Amex comes on top? after deducting the rebates from TP/CP, you pay more if you use M2 AMEX, unless you factor in 5% on weekends, but that is up to max of RM50 only
*
Comes up top in terms of rebate.... not in terms of nett paid to the bank.
If calculated based on 2% for SCB (more likely), Maybankard2 AMEX have lower nett paid to the bank.

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