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

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chemistry
post Mar 5 2011, 12:53 AM

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QUOTE(foongchinboon @ Mar 5 2011, 12:45 AM)
how about grocery? all petrol is 5% rebate? or some is 1%?
do you guys have the list? hope u guys have it because i planing to apply smile.gif
*
The trick is the MCC Code.
From my experience, petrol stations seldom got wrong MCC code.
But you gotta be careful with departmental stores and supermarkets.
To be safe, better go to those stand-alone hypermarkets, you won't go wrong.
Xai-V-iaX
post Mar 5 2011, 12:57 AM

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QUOTE(chemistry @ Mar 5 2011, 12:53 AM)
The trick is the MCC Code.
From my experience, petrol stations seldom got wrong MCC code.
But you gotta be careful with departmental stores and supermarkets.
To be safe, better go to those stand-alone hypermarkets, you won't go wrong.
*
...or of course go for Maybank 2 cards as its 5% anywhere tho limited to weekend use only... rclxms.gif
chemistry
post Mar 5 2011, 01:05 AM

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QUOTE(Xai-V-iaX @ Mar 5 2011, 12:57 AM)
...or of course go for Maybank 2 cards as its 5% anywhere tho limited to weekend use only... rclxms.gif
*
Many people can easily spend more than RM1,000 merely on daily spendings like petrol, utilities and groceries.
As such, it is advisable to get both OCBC Ti and M2Amex.
OCBC Ti is highly recommended for paying utilities bills. (If we use M2Amex, we do not know if the trxn takes place on weekend or not)
For petrol and groceries, use M2Amex on weekends. Done! biggrin.gif
foongchinboon
post Mar 5 2011, 01:10 AM

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QUOTE(chemistry @ Mar 5 2011, 12:53 AM)
The trick is the MCC Code.
From my experience, petrol stations seldom got wrong MCC code.
But you gotta be careful with departmental stores and supermarkets.
To be safe, better go to those stand-alone hypermarkets, you won't go wrong.
*
so for those hypermarket like Tesco, Giant Carefour sure 5% anywhere? do you guys have any experience just got 1% at Giant or Tesco? smile.gif
Xai-V-iaX
post Mar 5 2011, 01:14 AM

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QUOTE(chemistry @ Mar 5 2011, 01:05 AM)
Many people can easily spend more than RM1,000 merely on daily spendings like petrol, utilities and groceries.
As such, it is advisable to get both OCBC Ti and M2Amex.
OCBC Ti is highly recommended for paying utilities bills. (If we use M2Amex, we do not know if the trxn takes place on weekend or not)
For petrol and groceries, use M2Amex on weekends.  Done! biggrin.gif
*
rclxms.gif AGREED rclxms.gif
chemistry
post Mar 5 2011, 01:48 AM

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QUOTE(foongchinboon @ Mar 5 2011, 01:10 AM)
so for those hypermarket like Tesco, Giant Carefour sure 5% anywhere? do you guys have any experience just got 1% at Giant or Tesco? smile.gif
*
Oh ya, of course, there's exception.
For example, purchases made in Giant (Atria mall) and Carrefour (TropicanaMall) get 1% cashback instead of 5%.
As I said, stand-alone hypermarkets won't be wrong. nod.gif
foongchinboon
post Mar 5 2011, 03:32 AM

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QUOTE(chemistry @ Mar 5 2011, 01:48 AM)
Oh ya, of course, there's exception.
For example, purchases made in Giant (Atria mall) and Carrefour (TropicanaMall) get 1% cashback instead of 5%.
As I said, stand-alone hypermarkets won't be wrong. nod.gif
*
ooooic... i get u now biggrin.gif
bingozero
post Mar 5 2011, 07:36 AM

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Enjoy RM50 cash back for all new Citibank Cardmembers.
http://www.citibank.com.my/english/promo/r...gn=RM50CashBack

3. The following persons shall not be eligible to participate in the Promotion:
(a) Permanent and/or contract employees of Citibank and Citibank’s subsidiaries and related companies and their respective immediate family members;
(b) An Applicant who had cancelled his/her Citibank Credit Card(s) within three (3) months before the date of application and is applying or re-applying for any Citibank Credit Card under the Promotion;
© All applicants for supplementary Citibank credit cards;
(d) Present holders of any Citibank credit card(s) whether issued in Malaysia or otherwise (whether such holders have received the same or similar reward(s) offered by any Citibank credit card(s) or otherwise).
kei18kun
post Mar 5 2011, 09:35 AM

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QUOTE(bingozero @ Mar 5 2011, 07:36 AM)
Enjoy RM50 cash back for all new Citibank Cardmembers.
http://www.citibank.com.my/english/promo/r...gn=RM50CashBack

3. The following persons shall not be eligible to participate in the Promotion:
(a) Permanent and/or contract employees of Citibank and Citibank’s subsidiaries and related companies and their respective immediate family members;
(b) An Applicant who had cancelled his/her Citibank Credit Card(s) within three (3) months before the date of application and is applying or re-applying for any Citibank Credit Card under the Promotion;
© All applicants for supplementary Citibank credit cards;
(d) Present holders of any Citibank credit card(s) whether issued in Malaysia or otherwise (whether such holders have received the same or similar reward(s) offered by any Citibank credit card(s) or otherwise).
*
darn I just cancelled my credit card last month, so cannot apply again to get RM138


Added on March 5, 2011, 9:36 amanyway just apply anyway. no harm really

This post has been edited by kei18kun: Mar 5 2011, 09:36 AM
ronnie
post Mar 5 2011, 10:19 AM

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QUOTE(kei18kun @ Mar 5 2011, 09:35 AM)
darn I just cancelled my credit card last month, so cannot apply again to get RM138


Added on March 5, 2011, 9:36 amanyway just apply anyway. no harm really
*
I thought is RM50 or RM88 Cashback only ?
ronnie
post Mar 5 2011, 10:20 AM

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QUOTE(chemistry @ Mar 5 2011, 01:48 AM)
Oh ya, of course, there's exception.
For example, purchases made in Giant (Atria mall) and Carrefour (TropicanaMall) get 1% cashback instead of 5%.
As I said, stand-alone hypermarkets won't be wrong. nod.gif
*
If your info is confimed, please contact TS to update the 1st page section 23
kei18kun
post Mar 5 2011, 10:34 AM

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QUOTE(ronnie @ Mar 5 2011, 10:19 AM)
I thought is RM50 or RM88 Cashback only ?
*
we're talking about the same thing rite? citibank get free GPS for first 300 new customer or RMRM138?
Gen-X
post Mar 5 2011, 10:59 AM

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Just posted my experience in signing up for M2U for my Maybank platinum credit cards i.e. MC, Petronas and MBB Dua where all 4 cards are linked into a single M2U username without me having a Current or Savings Account with MBB. As for my wife, she opened a Savings Account as she wanted the MBB Debit Card and her cards are linked to her M2U account.

Click here to read my article titled Maybank2U for Maybank Credit Cards - You Don't Need a Savings or Current Account.
shiroikun
post Mar 5 2011, 12:00 PM

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Just got my maybank2 cards... normally it is combine limit or share? anyone know?
chemistry
post Mar 5 2011, 12:03 PM

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QUOTE(shiroikun @ Mar 5 2011, 12:00 PM)
Just got my maybank2 cards... normally it is combine limit or share? anyone know?
*
It is a combined limit.
MilesAndMore
post Mar 5 2011, 12:28 PM

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QUOTE(shiroikun @ Mar 5 2011, 12:00 PM)
Just got my maybank2 cards... normally it is combine limit or share? anyone know?
Combined or shared ? No real difference when it comes to credit card terms right ? Anyway, Chemistry has given you the answer.

feralee
post Mar 5 2011, 12:28 PM

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QUOTE(kei18kun @ Mar 5 2011, 10:34 AM)
we're talking about the same thing rite? citibank get free GPS for first 300 new customer or RMRM138?
*
CS call me
said must apply credit card & debit card only can get the Gps.
blink.gif

I didnt apply. tongue.gif
kei18kun
post Mar 5 2011, 01:00 PM

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can get debit card with citibank? since they don't have savings account? means have to put money inside the card is it? like the ambank debit card
princess_autumn87
post Mar 5 2011, 01:10 PM

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QUOTE(kei18kun @ Mar 5 2011, 01:00 PM)
can get debit card with citibank? since they don't have savings account? means have to put money inside the card is it? like the ambank debit card
*
if come to debit cards, advise u to go for pbb or mbb rather than citi
kei18kun
post Mar 5 2011, 01:15 PM

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any terms and condition to get the GPS. last time need to apply 2 cards only can get it.
seems like this time also need to get 1 cc and 1 dc, seems like a better deal since dc don't charge GST rite?

This post has been edited by kei18kun: Mar 5 2011, 01:15 PM

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