The Public Bank Day2Day VISA debit card which comes with your savings account, you'll get 0.8% rebate when you pump at any petrol stations.


Can start from as low as RM10k.

May be ... may be not. It's hard to tell really and it depends on which bank too i guess. Why don't you try it first anyway ? If my memory serves me correctly, you can get the Citibank Cash Back VISA Platinum with just an existing Gold credit card with a minimum credit limit of RM10k.


No. They don't.


GSC doesn't accept AMEX.



This post has been edited by MilesAndMore: Mar 10 2011, 11:53 PM

Updates !!!

Maybank
7 Mar 2011
- £25.88 > RM128.65 (£1 = RM4.9710)

**Wawasan Sentosa's British Pound Sterling rate on 7/3/2011 was £1 = RM4.9500

Maybankard 2 VISA

CIMB Bank credit card call centre phone number can be found behind your credit card. And when you call then, just tell them which transaction you want to convert into installment plan and ask them to explain to you what installment plans they have now.

Done

Definitely a bullshit !!!

Is this a promotion or something ? Didn't know about this at all


Great info. Thanks !

Bloody hell !!! With the speed they work, it's probably too late already

It is based on gross salary. Your basic salary is RM1k, i guess this is the reason why all your applications were rejected.

Just submit your payslips or attach a photocopy of your current credit card from another bank that you've been using for more than a year as reference.


No. Not at all. Currently i have 5 credit cards from 3 different banks, 4 of which are issued by Maybank and Citibank and i don't even have a savings account with them.


In my case, i pay my credit card bills mostly through Interbank GIRO and sometimes using cheque.

Yes. Will do

Which bank is this ? Maybank ?

By the way, i just booked a hotel room through Agoda.com several days ago. I used my HSBC MasterCard so i can get the x% rebate and just like you mentioned, their system automatically detected my card is a Malaysian credit card and gave me the option to pay in MYR or USD. The MYR rate quoted by Agoda.com was pretty high actually. The hotel room i booked cost me US$310.49 and if i were to pay in MYR, i will have to pay RM970.93. Luckily i chose to pay in USD because the rate given by HSBC is actually lower

Anyway, here is the exchange rate for your reference :
HSBC
13 Mar 2011
- US$310.49 > RM963.38 (US$1 = RM3.1028)

**Wawasan Sentosa's USD rate on 13/3/2011 was US$1 = RM3.037

I am sure my Maybankard 2 VISA can give me an even better rate but the rebate i can get by paying Agoda.com using my HSBC MasterCard gives HSBC MasterCard an edge in this case.


Another option is to open a Basic Savings Account with the bank you currently carry out your daily banking needs. The first TWO Interbank GIRO done in a month is just RM0.50/transfer.


And credit cards issued by banks in South Korea too.


I also have a UnionPay card but it is issued in Hong Kong. It is just a debit card though And yeah, we do need to key-in our PIN whenever we buy something with the card.

This post has been edited by MilesAndMore: Mar 16 2011, 07:52 PM

It comes with the current account Anyway, i never used it. There are plenty of ATMs and i always use cash

It's here mate It is the only money changer to publicly list its foreign exchange rates online, as far as i am concerned. And the rates offered usually are one of the lowest


Oh, is it ? Because i always see them having to key-in their PIN number here in Kota Kinabalu. And i also saw one Korean lady keyed-in her PIN number at City Superstore Supermarket in Hong Kong last month.

Forget about Citibank Cash Back VISA Platinum. Cutting mine real soon.

Because there are other cards that are better than it. Besides, i am going to help my mom to apply the Maybankard 2 for her next month when the Maybankard 2 MasterCard comes out. We'll be able to save RM1200/pa from using Maybankard 2 AMEX alone

By the way, has anyone ever redeemed your shopping voucher at those on-the-spot outlets using your Maybank credit card ? How is it done ? Do we need a PIN or something ?

Was rejected for OCBC Titanium last year around Hari Raya. Anyway, will try to reapply next month. Will request for a very low credit limit. Hope i can get it approved this time around. Fingers crossed

By the way, it's going to be a few more months before i want to cancel the Citibank Cash Back VISA Platinum. And i am about to have two Maybankard 2 AMEX in my house very soon (RM50 x 2 cash back a month). Pretty confident my mom can get it since she is a government servant. Besides, she recently received a mail from American Express. Offering her a pre-approved AMEX Charge Card. She canceled her AMEX Green Charge Card about 1 1/2 years ago.


That ain't gonna happen because it simply is too unrealistic. Maybank will have to shut down its entire credit card business in no time

This post has been edited by MilesAndMore: Mar 17 2011, 07:20 PM

Needing to enter PIN for each transaction is just "bleh"


Not quite so. It can be very low cost actually or no cost at all


That is so true ! This thing should go into Guinness World Records


HSBC and Citibank both have such thing but they don't send a text message to you each time you charge something to your credit card. The new rules require all banks to send you a text message each time you use your credit card.


Depends on how much you are earning every month. If you are earning RM36k per annum or less, then it will be reduced. All new and existing credit card holders must comply with the newly introduced rules.

Anyway, i wondered how is this going to affect those who are holding a complimentary credit card and those who applied for their second, third and so on cards using their existing credit card as reference. How do they determine we belong to the RM36k income group or above RM36k income group. Everything is just so vague right now.

This post has been edited by MilesAndMore: Mar 18 2011, 04:27 PM

You are right.