hi,i am going to australia for working purposes for out 2~3mnth..which bank shld i apply credit card from..?

one of frend told me dat it is bit risk 2 apply for rhb cc as some aus do nt accept rhb cc transaction.

All CC would work in Australia. Just inform the bank on which country you will be using it at.
Best to select a CC which you already have Savings/Current account with E-Banking to ease payment.

noted on that

is it a good idea to send in my application forms to 2 diff bank ?

has anyone got an sms from OCBC that goes like this?

"Get RM50 CashBonus with every accumulated RM500 spent. First come first serve. 16/5 - 14/7."

It all depends on how much Credit Limit is required each month for your spending in Australia.
Doesn't the company give a monthly allowance ?

Citibank Clear Card:
Buy 1 Free 1 Movie ticket at All major cineplex on Friday

Citibank Clear Card and other Citibank card
Buy 1 Free 1 Movie ticket at All TGV on Weekend (but i believe the promo end somewhere at the end of June11)

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Added on June 3, 2011, 9:50 amAll VISA, Mastercard should work.
But personally I have used HSBC and Citibank with no problem.
Hope this help!

This post has been edited by codename_snake: Jun 3 2011, 09:50 AM

Check the OCBC Titanium thread its discussed in more details there (since about 2-3 weeks back)

Really need to be careful about this sort of things..
We just can't take for granted the convenience that the technologies had bring us.

yea my HSBC and DA also no prob swipe there.

Need some help from you guys, I am writing an article and going to touch on interest rate being imposed onto outstanding balance. I thought I give an example. But, I really don't know how it works in detail. Below is the example I have thought off, please comment.


Say you did a Transaction on 5th May 2011 for RM10,000. Your Statement Date is 10th May 2011 and your Due Date is 30th May 2011. Therefore, the minimum amount Due is RM500 (5% of RM1000).

You pay RM200 on 30th May 2011. Which means you have outstanding Balance of RM9,500 not cleared and carried forward.

I believe the interest charges are calculated as follows, I might be death wrong, but it will not be far off.

Interest charges up to 30th May 2011 = 17.5% x RM10,000 x 25/365 = RM119.86

Therefore outstanding Balance as of 30th May 2011 after you pay RM500 = RM10,000 + RM119.86 -RM500 = RM9619.86

So from 30th May 2011 onwards, you will be imposed interest calculated as follows:

RM9,619.86 x 17.5% x (days/365)

AND if you make another RM2,000 transaction on 5th June, additional interest charges will be added as follows:

RM2000 x 17.5% x (days/375) commencing from 5th June 2011.

So come end of 30th June 2011, your interest charges will be:

RM9619.86 x 17.5% x (30days/365) = RM138.37
+ RM2000 x 17.5% x (24days/365) = RM23.01

and total Out Standing Balance as of 30th June will be 2011 =
RM9619.86+RM2,000+RM138.37+RM23.01 = RM11,781.24


Is the above correct? Comments are most appreciated.

I am not clear of the interests calculation either, but I believe there is a typo there. Pay RM500, right? Looking forward to this particular blog post

typo there i believe.

btw i have no idea about interest calculation coz always pay full. even i just joking to pay min or half, my wife threat to kill me! haha

Note that credit card interest is calculated daily on compounded basis, so while your example isn't very wrong at the start, the error margin will get bigger as time passes.

Yes, pls check out OCBC Ti Thread

Thanks for pointing it out. I actually started with RM1000 balance but the interest was like too low to be of any concern. So up the amount to RM10K.

OT: wah wife threaten you. Not good. Maybe ask you wife to join the Obedient Wife Club and then she'll obey you, hahaha


I get what you mean, Maybe I should continue with another second payment to "reset" the interest calculation again. I guess if based on monthly, then amount would not differ much.

This post has been edited by Gen-X: Jun 4 2011, 11:33 PM

CIMB smart flexi-pay extended to 31 Dec 2011.

CIMB smart flexi-pay

i came across a roadshow that held in my nearby shopping center today. The sales person told me HSBC is offering 8% cash rebate discount in grocery, petrol and dining. Its valid until the end of this year. Anyone can confirm this?? The card he intro is HSBC Gold.

He also told me they will waive the annual fees and government fees for the 1st year with only 3 swipes. Is this true?

for those who are interested in applying ocbc titanium cc, u can apply for it at the curve. got free gift there.

CIMB always extends their promotional plans.

better request for black and white for this GST waiver..never heard such thing before