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Credit Cards HSBC Credit Cards, Discuss about your HSBC CC

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TSGen-X
post Nov 16 2011, 10:28 AM

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HSBC is now offering 10X reward points for overseas until 9 January 2012. Once gain got T&C, only certain numbers of points are allocated weekly and based on first come first serve. Click below to see ad

http://mystar.my/ads/ad.aspx?id=9d9ddad9-5...a0-5f441f79972f
TSGen-X
post Nov 23 2011, 08:24 AM

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QUOTE(shadow111 @ Nov 23 2011, 07:24 AM)
It's in KL while I'm in Penang.
Furthermore, HSBC shld be the responsible party since we are exchanging it using our point (sort like buying too)..
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that's why I prefer to redeem for cash voucher or cash back cards smile.gif
TSGen-X
post Nov 30 2011, 08:41 AM

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QUOTE(snow_xueli @ Nov 29 2011, 05:10 PM)
dunno what is the reward point for as i have accumulated alot
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Are you serious? Go redeem for stuff like hyper market or restaurant cash vouchers and can offset GST too.
TSGen-X
post Nov 30 2011, 10:23 AM

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QUOTE(snow_xueli @ Nov 30 2011, 10:12 AM)
where to redeem ??
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doh.gif you must be joking, you know how to come here but you don't know how to redeem? Even thought you may be fooling around, I will give you the benefit of doubt

http://www.hsbc.com.my/1/2/personal-bankin...ds/hsbc-rewards
TSGen-X
post Dec 1 2011, 09:59 AM

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QUOTE(ascend @ Nov 30 2011, 11:23 PM)
Front page bottom left corner.
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ascend, thanks for pointing out the promo.

I just posted my comments at wordpress click here to read about HSBC 20% cash back for F&B at Megamall
TSGen-X
post Dec 2 2011, 02:33 PM

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QUOTE(roger roger @ Dec 2 2011, 02:21 PM)
i got bad record (breach of offer) when i using HSBC back in england, until these years in malaysia, i never and ever deal with anything with local HSBC, do u think they will link up and trace me if i apply for their CC?
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Apply and then let us know whether HSBC records are linked to a master system and applicable worldwide tongue.gif
TSGen-X
post Dec 6 2011, 10:02 AM

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QUOTE(carpathia @ Dec 6 2011, 09:43 AM)
er...what so great about hsbc cards and i see so many ppl applying for it ?
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haha, because these people don't know what they getting and not credit card wise. It's branding and marketing tongue.gif
TSGen-X
post Dec 26 2011, 05:19 PM

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QUOTE(J-Slade @ Dec 26 2011, 01:21 PM)
Dear all HSBC Amanah credit card holders,

please take note, there is a credit card insurance applied by default on your card under the description of

TAKAFUL CARDS PROTECTOR

Please go and call the call centre to cancel it because I got charged RM39.56 for no good reason. There goes all my cashback for spending RM6k this month. Seriously pissing me off..

If you want to know what is it about
https://www.hsbcamanah.com.my/1/2/amanah/pe...cards-protector

its basically another hidden insurance policy enforced on the credit cardholder by default.
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Thank you for sharing above. How can HSBC do such a thing. When was the amount charged to your card i.e. how long after you were issued the card?
TSGen-X
post Dec 30 2011, 01:34 PM

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QUOTE(ascend @ Dec 30 2011, 11:46 AM)
SMS alerts for credit card transaction is now available. I've tried it and it is instantaneous! this is a really nice peace of mind feature to have and it should have been implemented years ago.
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When it started? I used my HSBC on 26th but no sms fom them.
TSGen-X
post Jan 8 2012, 10:52 AM

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Latest HSBC contest for Chinese New Year

user posted image

Click here to read my short comments on the HSBC Chinese New Year Credit Card Promotion

When you are at my wordpress blog, click on the link I posted to The Star, and then when at The Star, click on the picture and you will get to see the ad enlarged so that you can read the fine print.
TSGen-X
post Feb 6 2012, 09:49 AM

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QUOTE(ssangyongs @ Feb 6 2012, 05:29 AM)
hey guys,

new HSBC card user here. I just wanna ask, i got two cards, one mastercard and one visa. So far only using master.

I dont have HSBC account, apart from credit card. And as of now i'm actively using maybank2u and eonbank (my salary credited here).

Is there any way i can do online payment from maybank2u or eon bank to hsbc. I've scoured every pages of maybank2u. Find one but not sure what to put in recipient's name though credit card payment option is there.

Anyone care to help? Dont prefer going to the branch to pay as i live in nilai and the nearest branch would be in puchong and seremban
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http://forum.lowyat.net/topic/1802980
TSGen-X
post Feb 26 2012, 01:06 AM

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QUOTE(blahbleh @ Feb 26 2012, 12:35 AM)
Hi guys,

If you purchased something via online, how do you get 5 digit approval code, or is the approval code is not available for online transaction? This approval code is necessary for flexi payment.

Do I need to call the bank?
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They should sent you the code/password via SMS. Yah, call CS to confirm.
TSGen-X
post Feb 26 2012, 01:14 AM

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QUOTE(blahbleh @ Feb 26 2012, 01:13 AM)
Thanks for the response. The SMS that I received only informed me the transaction amount and date, nothing mentioned about the approval code. Gonna call CS to get it. So hard to speak to CS nowadays, always a long queue sad.gif
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Press for BM, might be faster and get to speak to a Malaysian smile.gif
TSGen-X
post Feb 28 2012, 06:59 PM

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QUOTE(olak329 @ Feb 28 2012, 06:12 PM)
Hi just received my HSBC amanah platinum yesterday.
Would like to jnow about the annual fee waiver, is subjected to 12x swipe per year.

Anyone know how much amount per swipe? Eg:grocery rm100; petrol Rm50,
Is that consider a swipe to waive annual fee?
Is there any MINIMUM or MAXIMUM?

TQ!
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Congrats! No minimum amount, swipe RM1 also can. All you need is to swipe 12 times in a year smile.gif
TSGen-X
post Feb 29 2012, 07:55 PM

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QUOTE(olak329 @ Feb 29 2012, 06:33 PM)
Tq for your a lof of info bro...
If use credit card to buy apps from appstore also count as a swipe or not? Curious xD
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yah any transaction is considered a swipe. Not considered swipes are balance transfer and installment repayments.
TSGen-X
post Mar 1 2012, 07:34 PM

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QUOTE(tskhang @ Mar 1 2012, 03:06 PM)
Is HSBC credit card charging 1.25% for its foreign transaction fees?
I checked my statement and it came up to 2.25% instead.
Does Visa charges the difference of 1%?
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HSBC overseas rates is one of the highest from my previous experience. Best you use Maybank Visa or MasterCard.

Click here to see comparison of overseas transactions between different credit cards. Please note Alliance credit cards are no longer competitive. See Below.

Click here to see HSBC was higher by 1.32% compared to CIMB and OCBC
TSGen-X
post Apr 25 2012, 08:39 AM

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QUOTE(hye @ Apr 25 2012, 07:48 AM)
Bank are strict about income requirements these days. And card types are segregated by market segment thus you see card types.
I believe you want the Visa Signature because of the perceived "status" value - if everyone qualifies for it then where's the perceived "value" ? And i'm sure you don't want such a card.

Simple hypothetical test

Citibank VISA Signature
MBF VISA Signature

From the above, which one people think has better perceived value ? (hypothetical same card type)
You know your own answer right ?
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Give me FREE for Life MBF World MasterCard or VI also I don't want, hahaha
TSGen-X
post Apr 25 2012, 11:43 AM

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QUOTE(Vestor @ Apr 25 2012, 11:13 AM)
Thanks for the reply. Quite agreed with your argument.
On top of that I would also like to check whether Visa Signature (for whom one must have annual income of RM100k to qualify) quantifies for a higher credit limit?


Added on April 25, 2012, 11:17 am

Bro, what is VI stands for?
Btw, why you refuse to take either of the card? Can share your thoughts, thanks.
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As for CL, I can tell you HSBC VS CL starts from RM5K!!! This is because there were some previous Plat holders were automatically upgraded to VS. However, most HSBC VS card holders I know of (which is very limited) have higher CL than HSBC Premier World MasterCard.

As for VI - it stands for Visa Infinite. And why I don't want (not that I can qualify for it), is as mentioned by hye - perception.
TSGen-X
post Apr 25 2012, 05:51 PM

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QUOTE(Vestor @ Apr 25 2012, 11:48 AM)
Waa, they do simply upgrade one kah? That will pull down the standard and perception.
I always have good impression in HSBC, especially it's tagline "Your world local bank" or something like that.
Anyway, within HSBC card type, which is the one that can provide highest CL?
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FYI, in the first quarter of 2011, HSBC launched their Visa Signature where the annual income requirement is RM100K. Prior to the VS, HSBC Plat annual income requirement was also RM100K but because they were "hadap" for customers, one did not need to earn RM100K to get a HSBC Plat (applies to all banks back in 2011 where one can apply for a credit card based on existing card).

And HSBC Plat card benefits are so so only and in order to maintain their customer base, they upgraded all Plat cardholders to Visa Signature which is deemed as a Premier Card (but benefit also so so only).

Click here to read my artilce titled HSBC Visa Signature - Gone is the Visa Plat published back in March 2011 at My Credit Cards blogspot.


QUOTE(hye @ Apr 25 2012, 03:44 PM)
Sorry again ... but CL these days are "conservatively" awarded by the banks. Card type would not impact HSBC CL decision.
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Yes, agree fully to the above. Now banks are stricter in awarding CL to be in accordance with BNM wishes. Which is a good thing.

Vestor,

CL has nothing to do with Card Type in general but based on the bank evaluation on the customer's worth. Like I mentioned, previously, my HSBC Plat (of course now upgraded to VS) had a higher CL than those who has AUM of minimum RM250K with HSBC and automatically awarded their HSBC Premier World Credit Card. Up to today, I never had a HSBC banking account, so you go figure it out.

But if you want to know what is the minimum CL for Premier Credit Cards, click below link to see my table. However, the data for the table was obtained thru my no budget propriety research back in November 2011. Since then, HLB have reduced the annual income requirement for the Ex-EON VS from RM180K to RM80K and therefore the minimum CL should also decrease as of today. And it was reported by another forummer here that his CL for his MBB VI is RM20K!!! When I talked to MBB CS back then, I was told initially the minimum CL for MBB WMC and VI was RM70K but later was informed it was RM50K.

And did you know that RHB Tesco credit card CL go can up to RM100K smile.gif

Malaysia Premier Credit Card - Ranking based on credit limit.

This post has been edited by Gen-X: Apr 25 2012, 05:54 PM
TSGen-X
post Apr 30 2012, 05:58 PM

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Today I received a SMS from 63839

RM0.00 Offset yr RM60 GST for HSBC Card with 9500 Rwrd Pts. Register via SMS till 31/06. SMS GST<space>Yr 16digit card no to 33212. Visit hbsbc.com.my for details.

And since most of HSBC RM50 cash vouchers need minimum 13,000 points, I thought I might as while go offset my coming GST with 9500 points. So I SMS them and received below SMS

RM0.30 HSBC RM50 Service Tax Redemption via SMS - Your registration is confirmed. Visit www.hsbc.com.my for details and other promotions.

Note above, RM0.30!!! As usual, I have to pay for HSBC SMS registration mad.gif

This post has been edited by Gen-X: Apr 30 2012, 06:57 PM

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