Check if there is any early exit fee in the T&C of installment.

cimb cc is good to apply for other bank platinum cc coz they are really generous with to give u high CL.

and its good for BT too. other than that, MBB 2 card or OCBC titanium is much better.

hlb can

You can request for any card you want as long as you meet the card requirements. Best you call CIMB and request for upgrade and see what they say.

Click here to read my article titled Malaysia Credit Card Annual Income Requirement and Credit Limit.

Since you have a good track record, and if you have been holding a credit card for more than 1 year, you can easily apply for any other credit cards without submitting any documents ( thus you can walk into any bank branch or sign up for credit card at the malls). If you want for Petrol, best is OCBC where it cam be used at any petrol station. Click on the link at my signature below - Comparison of Cash Back Credit Card to read more on OCBC and other cards giving rebate on Petrol.

As many said, you don't need a savings account in a particular bank to have their card. Same thing also, you don't need a savings account with a bank to view your transactions online. Click here to read my article Maybank2U for Maybank Credit Cards - You Don't Need a Savings or Current Account.,e think

This post has been edited by Gen-X: Mar 5 2011, 06:58 PM

thats why im applying for MBB 2 than waste spending 3k in my mbb petronas

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Added on March 5, 2011, 11:00 pmer, RM50 enuf to waive the GST only, not interested
and cancelled more than 3 months can qualify oledi, Citi quite desperate oso huh

This post has been edited by alexwsk: Mar 5 2011, 11:09 PM

Silly me. My points redemption is the one gonna end soon at 10/11 while my card is valid until 9/13. I thought that it is more convenient to have same card with saving account so that can settle payment via cimbclicks easily. I will look thru the advices and also read up the linksbefore my next course of action. Will inquire further when in doubts. Thank you very much guys and gals :-)

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Added on March 5, 2011, 11:09 pmhi, may i know what is CL and BT? thanks

This post has been edited by Human Nature: Mar 5 2011, 11:09 PM

haha, CL = Credit Limit BT = Balance Transfer

The last sentence interests me. My current card's anniversary is on september, meaning GST appears on the statement. If I succesfully get a new card on april, and cancel my current card before september, do I still need to pay GST for the old card? The GST for new card will be charged at the date of issuance right?


Want to be clear on this to avoid having to pay GST for both cards.


Hi Gen-X, your blog is very well written and informative. i spent 3 hours reading it. Bravo

Like you and other have pointed out, I am keen on MBB2 card or OCBC Titanium. Just to confim my understanding on MBB2 card:
- the 5% cash back on any transaction is only for weekend capped at RM50. true?
- do i get Treatpoints on weekends too? or only during weekdays?
- the Treatpoints cant be redeemed for cash, but can be redeemed for vouchers. true?
- is AMEX accepted by Petronas?
- Maybankard 2 MasterCards will be available from April 2011 onwards. Meaning can only get the AMEX+Visa pairing now, while for AMEX+Mstercard pairing, after april?

Please bear with me, assuming i can use cimbclicks to settle my credit card statement of other banks, is there any service charge? Or to avoid the above quoted problem, is it advisable to open a Maybank account?

Thank you

This post has been edited by Human Nature: Mar 6 2011, 03:27 AM

You don't need to pay the GST until it appears in your card statement.

Thank you Human Nature. My Credit Cards blog full of grammar mistakes and typos but I think people into CC don't really cares unlike my other blog called Ringgit Wise Fool where I take the trouble to proof read it.

Answering your questions:
- the 5% cash back on any transaction is only for weekend capped at RM50. true? Yes for the Maybankard 2 Amex only. No cash back for Visa/MC..

- do i get Treatpoints on weekends too? or only during weekdays? You get Treat Points Everyday for the Maybankard 2. Amex 5X Visa/MC 1X. The question yet to be confirmed is - do we get 1X point with our Visa/MC for petrol? AMEX confirm YES

- the Treatpoints cant be redeemed for cash, but can be redeemed for vouchers. true? True, unless you at 1U, you can use the Treats Points to convert to Rcubed to pay merchants like cash.

- is AMEX accepted by Petronas? Easier just to answer NO. But it has been reported by others that few Petronas accept AMEX inside the counter.

- Maybankard 2 MasterCards will be available from April 2011 onwards. Meaning can only get the AMEX+Visa pairing now, while for AMEX+Mstercard pairing, after april? Yes

Please bear with me, assuming i can use cimbclicks to settle my credit card statement of other banks, is there any service charge? Or to avoid the above quoted problem, is it advisable to open a Maybank account? This question Miles or Chemistry please reply.

To read more on the Maybankard 2 Cards, click below link to read my article on it. In it you will find link to Rcubed, merchants' card to compliment your CC and voucher redemption. Have you thought of changing to ESSO where you get extra 1.5% cash back and with Maybankard 2 Amex it is like getting 2.5% (voucher) + 5% cash back + 1.5% (Esso petrol) = total 9% return with the MBB Dua AMEX.

http://creditcardsmalaysia.blogspot.com/20...an-express.html

This post has been edited by Gen-X: Mar 6 2011, 09:06 AM

Thanks Gen-X bro.
Yes, there is a service charge of RM2 per transaction for Interbank Fund Transfer (from CIMB Bank accounts to other bank accounts). Whether advisable or not to open a savings account with new bank, it depends on you whether you satisfactory with the benefits provided by the new card.
For example, I get cashback of RM40++ every month from OCBC Titanium, I don't mind being charged RM2 IBG fee.

Anyway, I chose to open a CIMB Basic Savings Account (Option 2), where you get to perform 2 (two) IBG fund transfers with just a fee of RM0.50 (each trxn). Subsequent trxn will be charged RM2.

You got CIMB Clicks right? You may open new account right away in Clicks! Go to OPEN NEW ACCOUNT, tick 'Basic Savings Account (Option 2)' and complete the form. Print out the notice letter and visit your specified branch to complete the procedure.

You may or may not want to take ATM card since you will see new account in your CLICKS, furthermore you don't withdraw money but perform online fund transfer using Clicks only. Anyway, the ATM card is free (and no annual fee), take or not, up to you. My worry is, you might need to create a new Clicks ID for the new account. You know lah! CIMB wor, anything can happen! It requires high level of patience to bear with them

Almost every bank got offer Basic Savings Account. The noticeable difference is the deposit interest rate. At the moment, AmIslamic Basic savings Account offers the highest interest amongst all banks ie. 1.10% per annum.

Please take some time to read on Interbank fund transfer of major banks in Malaysia and take a look at interest rate table below:


This post has been edited by chemistry: Mar 6 2011, 10:00 AM

Maybankard 2 VIsa will get 1X TP for petrol.............

That's good. Is it in your monthly statement?

Anyway, I have few things to report

1. MBB only issue one single statement for my credit cards. Got my latest statement last week and found out I got charged for Late Payment (RM5) and Interest (RM0.01) because I paid to my MC account number instead of my Petronas acct Called MBB CS last week and today checked online, the payment was transferred to the Petronas account and waiver for late penalty and interest were all done on the same day last week. I must say I am very happy with MBB

Wonder if above will tarnish my CCRIS

2. Two month ago asked HLB CS to deduct my points to offset GST for my HLB Plat card. When I got my last statement, got a shocked that the CS (a guy) only deducted half the points and offset RM25 and I got charged interest So called HLB CS (a lady) again last week and told them the problem and she said will do the necessary adjustment. Checked online today, HLB deducted my points to offset the other RM25 but interest still shown! So call HLB again to get it rectified. I am not surprised as from my previous experience, it will take me few phone calls to HLB to get matters in order.

3. I also just got my EON Bank Visa Signature statement and very happy to note that they gave me RM50 cash back for new card So for this year, I having the Visa Signature for FREE since annual fees is waived for the first year.

** Edited**

4. I almost forgot - since I was on the line with HLB CS, I asked about the Fortune card cash back. The CS confirmed that Petrol do get 1% cash back. And when you are issued a Fortune card, a new savings account will be opened with it (cannot deposit into existing account and I suppose this is because the interest earned is different) where the cash back will be deposited and you can go to counter and withdraw cash from the account.

Click here to read my article on Banks Customer Service Contact Numbers.

This post has been edited by Gen-X: Mar 6 2011, 12:06 PM

Thanks again everyone for the fast response.

I am now clearer on this CC thing. I am now pretty excited about this hehe. I have read on the rcubed and the esso points but am staying in Melaka and not many esso around. I think I will opt to open a saving account with Maybank first, and have it link to the AMEX and visa/mastercard using Maybank2u using a single ID/password for all. I am the type that will check my account/transaction daily so it is more convenient this way. Hopefully with the modern technology nowadays, they are able to link them all together.

About this mastercard vs visa, any difference? my current card is mastercard.

The next hurdle is the application as I dont meet the min income requirement for platinum. My CL for cimb is only 12k. I plan to go to the maybank branch to apply. Hopefully I get a better chance to convince the officer there

On the last note, I'll suggest if you can't qualify please don't push your luck. Just take the gold card and work yourself up from there.
I'm being honest on the above and not discouraging you (I've fans who read my post and thinks I think of others as unworthy or stupid ) but of course you may ask to your fulfillment prior to the application when you are at the branch.

The officer there is not the approving authority for your card nor would he/she would be able to convince the approving authority on your upgrade.
The important aspect is that you are able to get the MBB2 ... both the Gold and Platinum product offer the same TP multiplier and rebate structure - this should be sufficient already unless you want the status then I have nothing to say on that.

You may scan & email the application form & supporting docs to mbbcardservices@maybank.com.my
I did that.

Hi yup, sound advice there. Trying my luck and will still take the gold card as it is still better than my current one. Am expecting to be able to meet the min income end of this year, and hope to be able to upgrade. thanks

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Added on March 6, 2011, 2:25 pmyeah, this is probably good too since i always feel more comfortable with email correspondence compared to phonecalls. I will still go to the branch to open an account though

This post has been edited by Human Nature: Mar 6 2011, 02:25 PM

I already received the statement............single statement for Visa and Amex
but Visa and Amex's transactions are separated, so we can know which transaction is belong to which cc

the TP calculate by 1X total Statement's amount (Amex + Visa) + 4X Amex's transaction amount

for everyone's info

Oversea transactions on the same day

MBB2 Amex 05-Mar-2011 03-Mar-2011 US$60.00 RM186.59 3.10983

MBB Visa 05-Mar-2011 03-Mar-2011 US$117.53 RM360.33 3.06586