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 Recommendation for Credit Cards V1, TQ to contributors ! (From MOD)

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cyang
post Jul 20 2013, 10:10 PM

On my way
****
Senior Member
528 posts

Joined: Aug 2007
1. Annual Income: > RM 60k

2. Free Lifetime Annual Fee: A Must

3. Card required for: travel, shopping, entertainment

4. Existing credit cards if any: maybank2card

5. Looking at CC from: HSBC and Citi

I am going to United State on September for few months. I heard from others that sometimes maybankcard couldn't be used in oversea. I feel like getting an additional card for my spending over there in case my maybank2card couldn't be used. My friends suggested me to get Citi or HSBC because if my card couldn't be used, I can easily walk in the bank in States whereas it would be hassle for maybankcard.

Thank you in advance.
cyang
post Jul 21 2013, 07:08 PM

On my way
****
Senior Member
528 posts

Joined: Aug 2007
QUOTE(fly126 @ Jul 20 2013, 10:52 PM)
Who Said Maybank CC Can Not Use at Overseas...   doh.gif
Any Credit Card from Any Bank in Malaysia are Valid Worldwide... nod.gif

Ok, Now on Your Credit Card Recommendation

I) HSBC Visa Platinum Card (Apply now You can Enjoy $200 Cash Back)
*Earn 8X Reward Points at Mid Valley Megamall and The Gardens Mall and 5X Reward Points on every spend at other participating malls nationwide. For anything outside the shopping malls, you still enjoy 1X Reward Points for every RM1 spent. You will also enjoy 10% Bonus Reward Points upon card anniversary.
*with FREE Travel Insurance,
Pls Refer to :  http://www.hsbc.com.my/1/2/personal-bankin...#_visa_platinum

II) Citibank Platinum Card
*5x Reward Points
Yeah, You can Earn 5x Citi Rewards Point at Selected Dept. Store & Supermarket or Hypermarkets with Citi's Platinum Card
But, the 5x Rewards Points is Capped at $3000/month, after which, It will be back to 1x Rewards Points...  sweat.gif 
*Complimentary Plaza Premium Lounge in KLIA, Langkawi International Airport and Sultan Ismail International Airport (Johor)
*Complimentary Travel Insurance
*Platinum Rewards and Redemption with Redeem Anything Anywhere Feature
*Platinum Purchase/Refund with Extended Warranty Protection Plan
Pls, Refer to : http://www.citibank.com.my/english/credit-...rCode=MYCCLNPLC more on Citibank Platinum Card
*
Sorry, maybe I did not explain it well enough.
Indeed all cc in msia is valid worldwide. But my concern is sometimes, when the card is being swiped in oversea, the bank hold it temporarily and request the permission from cardholder before authorize the transaction. My friend had few cases before. He tried to swipe the card but unfortunately the transaction is rejected. And the worst part is his phone not enabled with international roaming. When he back to msia, he is being told by the bank that the bank is trying to call him to validate the transaction but unfortunately the bank couldn't reach him, that's y the bank block the transaction.

I afraid that my transaction will be rejected when I swipe my card using maybank2card and I need to call the bank to validate it. It's quite a hassle sometimes. So I am advised to get cc from citi or hsbc becoz they have branches worldwide and easily to get assistance.

Anyway, thank you for your recommendation. I think I will go for Citi since the currency exchange rate is 1% lower than hsbc 1.25% (https://forum.lowyat.net/topic/1845691) and free entries to airport lounge.

This post has been edited by cyang: Jul 21 2013, 07:10 PM
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