You can always request.

Below is the statement in Citibank Malaysia's website in regards to request for increase on credit limit:

You may ask your credit card company to increase your credit limit. The answer will depend on your total financial picture. You may qualify for a higher credit limit if you always pay on time, if your income has increased or your debts have decreased, and if you always pay more than the minimum due or your balance in full.

The above was posted in my blog titled Malaysia Credit Card Annual Income Requirement and Credit Limit. Link below

http://creditcardsmalaysia.blogspot.com/20...ual-income.html

p.s. Miles or whomever start the next thread, reserve a post for update after the 1st post. Last time we talked about something like listing all the places we get 5% cash back with OCBC Titanium MC.

This post has been edited by Gen-X: Feb 25 2011, 01:42 PM

Did you click "I'm interested in MBB website"?
Did you call CS to enquire about the card?

If no, then you are the first person to report that you got MBB card approved without doing the above.

Other received offer by MBB for pre-approved Maybankard 2 cards and some even got 10,000 TP to offset GST. Refer to CC V14.

I tell you, I kind of pissed off, MBB should reward early birds 10,000TP to offset TP. Somemore my Maybankard 2 Amex card don't have Platinum printed on it The new ones come with the word Platinum printed on it as reported in Amex Thread.



The MBB 2 Visa blue is really ugly for a Plat card.

Click here to read about my MBB Dua application which was kind of frustrating.

To all, today I wanted to check if MBB processing my MBB Dua Gold Card application and found out MBB Plat CS Toll Free line have menu to separate MBB Plat and Maybankard 2 Plats. I guess that should not surprised me as MBB Platinum cards should be ranked higher than MBB Dua Plat.

However, I found out something interesting, when I call MBB CS today, I gave them my New IC No and only my Amex Gold Credit Card was shown in the system but none of my MBB Dua and MBB Platinum cards. So I gave the CS my MBB MC Plat number and then the system showed Petronas Plat Visa and MBB 2 Platinum cards and AMEX Gold Charged Card numbers but my IC record shows my Old IC No.

Click here to see My Credit Cards in Nov 2010. Must go update a new post soon with MBB Dua Plat, EON Visa Signature and MBB MC Plat. Now considering to cancel AMEX Gold CC or not because it gives MR where can redeem for cash as compared to MBB Amex can only redeem for vouchers.

well hye was right in a way, I was just like talking to myself haha But what you said also true.

hopefully that's true, on 20th Feb was at Pavillion having lunch, I was greedy for the 15% cash back so used my Amex Charged Card instead of my OCBC TMC or MBB Dua Amex. May end up with only 3X MR with my charged card.

Wait untill your statement comes and then report back here.

This post has been edited by Gen-X: Feb 26 2011, 02:50 PM

Maybank targets 500,000 new cardmembers with Maybankard 2 Cards.

Click here to read MBB Press Release at MBB website.

Where on earth are they going to get half a million "new" cardmembers. No wonder you see many getting MBB Dua approved without even filling up an application form or requesting for it.

Click here to read my comments at my blog on the Press Release above.

This post has been edited by Gen-X: Feb 26 2011, 05:03 PM

For Maybank Platinum Card, the annual income requirement is RM120K. For Maybankard 2 Cards, the annual income is RM60K and it should be stated in the application form. The sales girl must be blur lah. And why does MBB want your cert?

Click here to read my post on Malaysia Credit Card Annual Income Requirement and Credit Limit. I have a table showing income requirements for different banks non co-brand credit cards.


Coming back to my earlier post where I mentioned that MBB CS Platinum Toll Free line now got menu for MBB 2 and MBB Plat. The annual income requirement for Maybank Platinum Visa and MasterCard is twice the income requirement for MBB Petronas Plat and Maybankard2 Cards. There is a difference between Maybank Platinum Cards which is with it you can gain access to Maybank Private Banking Centres unlike the Maybankard 2 Cards Platinum Cards. And also with the Maybank Platinum Visa and MasterCard you get 2X for overseas transactions unlike Maybankard 2 Visa and MAsterCard.

This post has been edited by Gen-X: Feb 26 2011, 11:55 PM

Today, I was at Mid Valley MetroJaya, there was a counter at Ground Floor near escalator where they giving a free toy car or a cup and something else I can't remember.

Ronnie, what to confirm above, do you meant for Jaya Jusco Deparmental and Supermarket?

Jaya Jusco Departmental Store I know OCBC TMB gets 1% but Jaya Jusco Supermarket should get 5%. Reason why I say this is because I do get 5X MR with my Amex Gold Credit Card at Jaya Jusco Supermarket.

This post has been edited by Gen-X: Feb 28 2011, 12:27 AM

Click here to read my article titled Malaysia credit Card Annual Income and Credit Limit to check out what card have free annual fee.

You have few options:

1. For entry level cards, go to bank website and read more on the following cards,

1.1. UOB OneCard where you can get 2% Smart$ Cash at BHP only. But then you don't get Esso 1.5% cash back.
1.2. Alliance Bank Classic Card or You:niques Card where they do give cash back for petrol but since you only spend RM400-500, the cash back tier is low. Go read more on it.

2. If you read the link above, I mentioned that you still can get OCBC Titanium and HLB Essential if you really really want it. Go pledge FD with them and you'll get the card with Credit Limit same as your FD pledged.

3. Get Public Bank Debit Cards, take a look at their Esso Debit card and see if it will benefit you as the cash back is also based on tiers.

And if you do pump at shell, go get Bonus Link Card.

Last but not least, you can try apply OCBC Titanium and Maybankard 2 Cards eventho your income have yet to reach the Income Requirement. No harm trying if you really want the cards.

This post has been edited by Gen-X: Feb 28 2011, 12:53 AM

Thank you, must remember not to use OCBC TMC at JJ Supermarket. We do need a post on OCBC 5%. Ronnie, will appreciate if you can post again all the places that you have got 5% rebate with OCBC TMC and update periodically. And the next time anyone starts a new thread, you try to post it soonest possible so that it be at the first page.

Bro, thanks for the update. I guess Wawasan Sentosa is a money changer? Next time you check wawasan rate, if can also check MBB rate on their website and post it too.

Where income is from salary only, the amount stated in your EA form. For others having income in addition to salary, the gross amount you state in your Borang B.

This post has been edited by Gen-X: Feb 28 2011, 03:05 PM

Ask your friend go read my post at my blog on Maybankard 2 Cards, you can email her link below
http://creditcardsmalaysia.blogspot.com/20...an-express.html

Since your friend willing to pay RM100 GST for MBB Visa and Amex Gold CC, ask her go get Maybankard 2 Cards AND OCBC Titanium MC. So she'll get all three main cards in Malaysia i.e. AMEX, Visa and MasterCard for RM100.

hahahaha, you are right on.

Like I mentioned in my reply on annual income, if you pay income tax and if you state you gross annual income in Borong B > RM18K, then yes, you qualify for credit card.

***** Edited*********
Come to think off it, the list may be long as mentioned by zenquix, What you should do is post it below and get TS to link it to the post so you can update anytime you want. Then when a new thread is started, TS to PM you and you post soonest possible. Better you have "control" of the post so you can edit it instead of TS.


This post has been edited by Gen-X: Feb 28 2011, 05:56 PM

She will have to go to any Maybank branch to get in done.
I went to a MBB branch today wanting to registrer my MBB cards for M2U but the branch I went to the system down So went to Maxis and DiGi to transfer all my auto-debit from AMEX Gold CC to MBB Dua Amex.

Please post together MBB rate because I want to compare with buying bank draft for my son tuition fee especially if you transact in USD. Sometimes RHB will give me slightly lower than counter rate.

Yah I noted MV and BB money changer on weekend the rate almost the same as MSN USD/MYR rate.

alexwsk: you really efficient

This post has been edited by Gen-X: Feb 28 2011, 11:29 PM

Did you check the first page? he already done it lah.

Wah, you must be big spender to be offered AMEX Black 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.

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.

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: 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

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

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.

OCBC should counter MBB Dua by reverting back to their earlier promotion where the cash rebate was capped at RM120, or offer max rebate RM100 where it is cap at RM50 each for the 5% and 1% cash back. This would wipe out Citi Cash Back Plat, HLB Essential & Fortune credit card and make OCBC talk of the town again. OCBC marketing - hope you guys reading this

All the cards will have share the same CL, by lowering your MBB Petronas CL would also lower your MBB Dua CL.

Well, if you pump at Petronas, then you should keep the MBB Petronas. The MBB Dua Visa put in drawing. Having said this, make sure you get more than RM50 in return in a year with the MBB Petronas.

This post has been edited by Gen-X: Mar 1 2011, 02:37 PM

From above SCB MC almost same as OCBC MC. Question now is how about SCB Visa.

And you know what, zenquix is correct, Alliance Bank MC rate is competitive. In Nov 2010, my Alliance Visa rate was higher than DA and OCBC MC rate in SG. Last month in SG got my wife to use DA MC and Alliance MC and both rate almost the same.

I am still waiting for my MBB statement to compare MBB Visa vs MBB MC.

Maybe SG not a good place to compare overseas transactions. We should compare for countries where they convert the local currency to USD then to MYR.