You cannot transfer EPP to another bank but you can settle early. Call HSBC CS and ask if there any penalty for early settlement. Last year I checked with HSBC, they told me no penalty but you better check yourself.
Balance Transfer for EPP no idea. Just go pay settle the EPP in Full and do BT on other transaction loh.

OT: To all thinking of doing installment plan, before you sign up for one click here to read my post titled Investment Wealth Retirement. and those thinking of getting iPhone click here and read about mifi.


Like chemistry mentioned, OCBC Titanium MC, pure cash back card.

Click here to read myy artilce on OCBC TMC and see table of other cash back cards.

You can also look into Citibank Cash Back Platinum where you should qualify based on your annual income, this card is pure cash back but petrol capped at RM30/month. If you are benefiting from Clear Card promotions then keep it else upgrade to Citibank Plat Cash Back (but Citi Plat CB no auto annual fee waiver, you got to request).

Another alternative is Maybankard 2 Card like Chem mentioned but it is not pure cash back but do give cash back on weekends capped at RM50/month. But with spending RM2K a month, like chem mentioned, OCBC and MBB 2 would be best and by combining both these cards, you can get max cash rebate of RM100/month.

click here to see brief comparison of Maybankard 2 Cards Amex versus Citibank Platinum Cash Back. If you want to read more on Maybankard 2 Cards, click on the Mbb 2 Post on the right hand side under Popular Post.

As for free access lounge, there is no pure cash back card giving you access to airport lounge. Click here to Airport Lounge thread and have a look at the cards that give you access.nd

This post has been edited by Gen-X: Mar 27 2011, 08:56 AM

Indeed you are in the wrong thread. This thread here is a much better fit


I can confirm that there is no penalty for 0% IPP early settlement.

Noted man. since ts so pro a haha just Saja ask :-)

I cancel my eon bank Gsc haha last week . Useless card wkakaka

1. Annual Income: RM36k

2. Free Lifetime Annual Fee: A Must .

3. Card required for: Petrol, Toll, Phone bill payment

4. Existing credit cards if any: None

5. Preferred Bank or Considering CC from banks: Doesnt really matter

6. Others:

7. Estimated Spending per month with the card: Less than RM1K

This post has been edited by dryll: Mar 27 2011, 08:52 PM

Maybank 2 cards will fulfill your needs nicely whereby you are entitled for a max of RM50 rebate every month.

This post has been edited by Human Nature: Mar 27 2011, 09:02 PM

OCBC Titanium.
5% cashback on PETROL/UTILITIES/DINING/GROCERIES everyday, subject to total cashback RM50 per month.

Petrol:
No need to ask "Is today a weekend?", or "Do you accept Amex?". Simply refill and get rebated.

Toll:
Sorry, no Zing card with OCBC. However, you are advised to reload your TnG with your OCBC Titanium card at Esso/Mobil gas stations.

Phone bill:
Can use OCBC Titanium to pay various telco bills via PayOnline (also entitled to 5% cashback).
note: PayOnline doesn't accept Amex.

Better still, spend RM10,000 or more with the card and get GST automatically waived by OCBC.

1. Annual Income: RM42K

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol(seldom), Cash Back/Rebate Only, treatpoints, shopping

4. Existing credit cards if any: Nil.

5. Preferred Bank or Considering CC from banks: just read about alliance Younique. Seems to be quite good. Was considering MBB 2 Gold too. But AMEX is not popular in malaysia, and most of the benifits are only entitired for AMEX (such as cash rebate, 5X treat points, etc)

6. Others: Please be specific. Example: I started working half a year. currently still debt free. (PTPTN load statement will coming anytime by now.) =p

7. Estimated Spending per month with the card: Less than RM1K or maybe slightly more than RM1K.

THANKS!!!

fresh grad 3.5k as starting salary ? u work in oil and gas industry ? anyway, OCBC titanium is ur best choice based on its 5% rebate on petrol, dining and bill

If you want cash back only, then get OCBC Titanium and where your expenditure increase more than RM!K per month, then go apply Maybankard 2 Cards.

If you spend less than RM!K, you won't get much from You:nique, better you go with MBB2 and get 5% cash back.
For places to use Amex, go here http://forum.lowyat.net/topic/1806817

This post has been edited by Gen-X: Mar 29 2011, 09:30 PM

1. Annual Income: RM36K (13month salary)

2. Free Lifetime Annual Fee: Must

3. Card required for:
-petrol
-cash back
-reward point

4. Existing credit cards if any: Dun have

5. Preferred Bank or Considering CC from banks:
-Maybank
-Citibank
-HSBC
-public bank

6. Others: Easy when pump petrol and get some points to change things

7. Estimated Spending per month with the card: <1k

Please advice, thanks ya.

If you don't mind refilling gas only on weekends, Maybankard 2 is your solution. Maybankard 2 Amex has got points and cashback on everything, hence match your selection criteria.

Otherwise, go for OCBC Titanium Mastercard. 5% for petrol/dining/groceries/utilities everyday. Easy to pay bills as well because Mastercard is widely accepted.

This post has been edited by chemistry: Mar 29 2011, 11:07 PM

With you income you qualify for Maybankard 2 Cards which gives you both cash back and points.
Citibank, you need income of RM48K to qualify for Citibank Platinum Cash Back, the rest don't give you anything for petrol except for Shell card but I wouild not recommend it.
HSBC you get nothing for petrol unless there is a promotion.
Public Bank do have Esso card but I would think go with MBB 2 where you get rebate at Shell and Caltex too.

click here to Petrol thread and get Smiles, Mesra or Bonuslink to maximixe your returns from pumping petrol with credit cards. You can also redeem for food or drinks from the points you earn with your Simles or Mesra card.

Maybankard 2 cards only can refill petrol during weekend to get cash back and points? Can it be applied to Shell since i'm using my brother's bonus link card.

By the way, is it RM1 = 1 point for maybank card? =)

Maybankard 2 Amex can pump anyday at petrol station and you'll still get 5X Treats Points. Yes it can be used at shell, please go to link I posted.
Yes, RM1 = 1 Treats Point.

How about the cash back for maybankard? Sorry i'm new to credit card and cannot understand the complex calculation x% + y% for xyz condition, quite confusing :S

Oops, it should be RM1 = 5 Treats Point for Maybankard 2 Amex.

Bro, you should go read Maybankard 2 Card thread lah. Maybankard 2 Card Amex 5% cash back is for ALL type of transactions on weekends including petrol.
Click here to read more on Maybankard 2 Cards at my blog.
since you are new to CC, click here to read my article Intro to CC 101.

haha, my bad

This post has been edited by Gen-X: Mar 29 2011, 11:31 PM

Maybankard2 Amex only gives 5% cashback on weekends. However 5x treatpoints is all-the-time feature.

ic, not bad also. Plus i can easily pay my bill every month since maybank branches is everywhere.

Thanks alot for the useful tips!

Hi...i just wana ask pro here if my requirement can get a cc...

1. Annual Income: RM18k

2. Free Lifetime Annual Fee: A Must

3. Card required for: List all your needs. Petrol,Cash Back/Rebate

4. Existing credit cards if any:Nil.

5. Preferred Bank or Considering CC from banks:Any

6. Others: Anything

7. Estimated Spending per month with the card: Less than RM1K