The annual fee only takes effect next year. One month or so before your card anniversary date, call UOB and see if they are willing to waive your annual fee. IF they say can only request for waiver after the annual fee is charged, don't use the card and call them after the anniversary date.

If I say true and you don't get your GST waive how? And you want to cancel your card every year just to get RM50 waived

To qualify for UOB PB, yes the AUM requirement is minimum RM500K BUT it does not mean you'll get the UOB VI which is by invitation only (so they say). To get the VI, as of date, one needs to have much more than RM500K AUM.

you should get the rebate, maybe it is not reflected yet in your UOB statement. Call CS to check.

Not only you will be charged interest daily but also late penalty fee (if you don't make any payment).

only selected customers who receive SMS from UOB is entitled to 0% installment for retail transaction. I did do a 0% installment back in March. And last week, received another SMS from UOB offering me again the 0% installment until next month.

not if you receive a SMS from UOB, no fee or whatsoever.

You made me go check my statements, haha. I can confirm once again not a single sen extra was charged for the conversion of my retail transaction to 6 months 0% installment plan (based on two last statements). I did called up UOB CS to reconfirm the terms and condition before I converted it to 6 months 0% installment plan. Once again, the plan is for selected customers only.

Once you get the card, call them up and see if the system states 2 years annual fee waived. If yes then not a problem. If no, stop using the card a month before the card anniversary and call them up to request for waiver.

Ya loh, cannot afford RM50 GST want a credit card for what? If a person is not rewarded more than RM50 monetary value, just cancel the card and no need to worry about GST forever. Why want to be a beg others for a mere RM50 every year which works out to be only RM0.14 per day.

better you ask them if you need to swipe 60 times for auto annual fee waiver on top of minimum spending.

I can tell you this card useless for you because you don't need a card for petrol. You only earn 0.3% cash back for general transactions. BUT the card is very good if you buy Coach handbags where you can get 5% SMART$ Cash and for Rolex 18 months installment plan

Wah, you are right - http://www1.uob.com.my/webpages/oneCard/pd...gCardmember.pdf

however the odd thing is, it is stated Update Feb 11 Last year was still RM3K spending for auto anuual fee waiver for UOB Plat credit cards.

However, this info for new card holders states Update April 2012 http://www1.uob.com.my/webpages/oneCard/pd...wCardmember.pdf

So, I just called UOB, they really want to get to my nerves. For the UOB One Card Platinum, auto annual fee waiver is indeed RM36K spending.

So I asked what about my non Priority Banking Preferred Plat and was told need to spend RM60K

got to update first post.

This post has been edited by Gen-X: Jul 1 2012, 12:23 PM

That's what I hate about no auto annual fee waiver, in this case, UOB's ridiculous conditions. Waste out time calling them yearly to request. And if they not wiling to waive, some will then want to cancel the card and then only they offer this and that. Some may find this "bribe" as an insult and as if our loyalty with them is not appreciated in the first place.

This post has been edited by Gen-X: Jul 3 2012, 10:23 AM

what gives you the impression the One Card it the best rebate card in the market? It earns you 0.3% cash back lah for general transactions

It takes one to know one, hahahaha

For your case since you can't get the MBB2 and OCBC TMC for the moment, if you need a card for petrol & groceries, the One Card is better over the Preferred Plat. However, you mentioned you already paid the GST for the Plat, ask CS if you can you "transfer" the amount paid to the new card, if not just get a new One Card. And also ask if you are eligible for the annual fee waiver since you already an existing UOB cardholder. However, please note that for Classic, the petrol is capped at RM400 per month ( i.e. petrol cash back cap at RM20 ) versus One Plat RM600/month.

This post has been edited by Gen-X: Jul 15 2012, 10:52 PM

Bro, I did not disagree with you the first time round when you taruk me

And I do admit you and others did share some useful info at SCB Thread.

Anyway, now I realized what ticked you off when I replied your earlier post. My post was not OT in anyway. The first statement was merely to know where you coming from so we can discuss further. The second statement with was to highlight that the UOB One Card only earns the cardholder 0.3% If you had interpreted the (I guess I should have used another smiley) as me insulting you, I apologize

As for wealth accumulation via properties, you are the guru and maybe you can start a blog to teach me

Anyway, if you are still interested in the UOB One Card, do visit my pathetic (yah agree with you me "retiring" early does looks that way, but then again I am debt free, stress free and got nothing better to do) blog by clicking here to my article on Mach by Hong Leong Bank where I have prepared a couple tables comparing the UOB One Card versus other cash back cards.

if you do not use up your OCBC TMC allocation, then charge the above insurance premiums to it and earn 1% cash back.

I not sure what you meant with the insurance premiums on different calendar month, I will assume you meant single payment for each of the premium, i.e. earh premium paid once a year.

Assuming you downgraded to UOB One Card, the above insurance premiums only earns you 0.3%. So with RM5.25K you only getting RM15.75 cash back. Cannot cover GST also lah. Better just stick to your Preferred Plat.

With the You:nique, if purely for the 4 surance premiums above per year, you will get more compared to UOB One Card i.e. RM1.7K = CB RM11.60, RM2K = CB RM14.30, RM900 = CB RM5.3 and RM650 = CB RM3.55 still less than RM50. Just stick to your preferred plat.

If the Insurance premiums are more than once per year, then you go add them up.

But I got good news for you, go check out Standard Chartered Bank credit cards. If you apply for the SCB Biz Credit Card, it earns you 0.5% plus choice Points. And best of all, SCB will reward you with cash back up to RM250 for their Entry Level credit cards if you apply online Click here to see the cash back for new SCB CC. You can also go to their branch to apply. Also check out SCB Thread, can apply more than 1 card during sign up to earn more cash back

Bro go read SCB thread, Biz Card 0.5% cash back PLUS points. Go ask the sifus there. Actually I gave a comparison there in that thread too for "effective" Biz Card cash back versus MBB 2 AMEX, go look for it. I lazy go find, last few pages. As for the cash back for new applicants, for Plat card RM300. Yah, try apply plat first with your Borang BE and see what happens. Come to think of it, why can't MBB accept your Borong BE? That's your "income" declared to the government, if you did this year.

This post has been edited by Gen-X: Jul 16 2012, 08:17 PM

Yes, the Preferred Plat Travel Insurance was removed last year. This year the access to KLIA and LCCT Plaza Premium Lounge was discontinued.

Only thing I can tell you is I use the Preferred Plat to earn 5% SMART$ Cash Rebate at Coach outlets.

Click here to read my old article at My Credit Cards Also click on link to see where else you can earn SMART$ Cash.

If you are into Rolex watches, then click here to read my previous article on how you can earn some pocket money.e

Other than that, you do earn 5X UNIRinggit in Singapore.

And they do offer 0% 6 months installment Plan for any retail transactions but you must be "invited" for this promotion which they will inform you via SMS.

If you ask me, better go with Maybankard 2 Cards Platinum.

This post has been edited by Gen-X: Jul 16 2012, 11:51 PM