Hi everyone, this is my first post in this section, I have some question to ask.

i have a RHB Cash Connect Visa DC which connected to my Saving Account, the cash back feature of this card is not as good as my Public Bank Day2Day Visa DC, and this stuff cost me rm20 per annum!!! (Public Day2Day only rm8)

The normal RHB debit DC (chepest one, and no normal ATM card already) still need rm8 per annum without any feature!!!
I feel like i want to close this RHB account but no choice since my company used RHB for payroll.

So My question is:
1. Is it possible to switch my cash-connect DC to the normal RHB-Debit DC? (for reduce the yearly rm20 to rm8)
2. Is there any fees need to pay or prepare for this switching?

FYI,
RHB cash-connect
http://www.rhb.com.my/cards/debit-card/db_..._visa_main.html

RHB-Debit
http://www.rhb.com.my/cards/debit-card/db_rhb_main.html

This post has been edited by edwardccg: Feb 2 2013, 12:37 PM

Thanks for your reply

from the saving account on the website, looks like my current one is MySave, which they mention rm20 per card annually.

one more question, does the Basic Account option 1 provide internet banking?

This post has been edited by edwardccg: Feb 3 2013, 11:07 AM

I will try to convert my account to the Basic, or else create a new Basic account.
However, according to the website, seems like the internet banking service is only for Option II, but you confirm even option I has the internet banking service?

and the "(except GIRO)" does that mean GIRO from internet is not provided? can only do in ATM?

sorry for keep asking

This post has been edited by edwardccg: Feb 4 2013, 01:23 PM

Thank you very much

unfortunately, i could not convert the RHB account to basic account.
have to open new basic and close this account.

I will open the basic account next week
Closure of current account will need to do after April, since closure of account within 6 month will need to pay rm20



This post has been edited by edwardccg: Feb 5 2013, 05:20 PM

My account is statement based, means no passbook. They allow cancel the card without closing the account?

btw,is there any other debit card offered by public bank other than Day2Day which is also link to saving account?

This post has been edited by edwardccg: Feb 6 2013, 02:43 PM

I see, thanks for reply


I will try to cancel the card if can

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I got another few more question about Public Bank Esso debit card, thanks for help :

1. can it be used in Petron for 1% rebate since Petron already bought over esso? anyone tried?
2. If i apply online, what is estimated arrival of card? and upon received, just call to activate just like CC?
3. If i apply in branch, can it process immediately and give me the card? (I wonder because the name need to printed on the card, right?
4. will the esso debit statement account automatically include in my PBebanking account? (currently i have one online account with my saving account on it)

This post has been edited by edwardccg: Feb 7 2013, 07:25 AM

Thanks for your reply

I think apply online is more convenient since apply in branch still need to wait for the card.

Is the flow look like this?
1. apply online
2. received card (~2 weeks)
3. contact PBB for card received
4. PIN received (~1 week)
5. Bank in amount to the account
6. Card ready to use
7. Call PBB for adding this account to my current PBB online account

Thanks you for take your time for reading
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just tried to apply the Esso debit online, after filling all the stuff.

How do i enclose the signed customer copy and IC copy to Public Bank Card Service? only by post? cannot email???

This post has been edited by edwardccg: Feb 7 2013, 01:43 PM

Alright, i will send the documents today. May i know how to check the card application status later?

i see, i think can call CS when i didnt receive anything after 2 week. Plus now is CNY, maybe will need to wait longer

*Update: Opened the Basic Saving Account at RHB Taman Suntex Branch

The officer keep asking me why and still promote me the normal one, and even tell me i need my company letter for open this account

Thanks for giving the information about BNM ruling so that i can insist to open this account


For the previous statement account, i will close it after 6 months

Hello guys, some question here. Thank you for your attention

1. May i know is the surcharge of 1-2% by merchant (if applicable) will also apply for debit card user?

2. Other than IT related items in lowyat plaza, is there any other product/item purchase will charges this surcharges by merchant? (from yours experience)

3. Typical minimum spending needed to accept debit card is RM50? is it possible to swipe card if the payment/purchase is below rm50?


Thanks again

Hi,

May i know how many account can a Maybank VISA Debit hold inside one card?

can the same card hold 3 account like BSA, m2u saver and m2u saver -i ???

Thanks

When you opening the account, you need to insist have the 'option 1/option 2' for the BSA, some bank place option 1 for no annual fee charges, some is option 2, just refer to their website

i had opened one BSA option 1 with PBB few months ago, they provide me the D2D card but no annual fee charges.
However, all transaction over the D2D card is only 8 times (including ATM and retail transaction with the debit card), the following transaction will be charges 50sens if i am not wrong.

so far as i know, RHB and CIMB also give their rm8 debit card for "no annual fee" BSA. The card will not charges you, but limited to 8 trasactions

This post has been edited by edwardccg: Jul 29 2013, 12:42 PM

What a bad news
i have this with air asia saver just for its high interest of 1.2% pa.
Guess I will need switch my saving back to m2u saver-i then.
but still need to keep this until my auto debit for DIGI end (12 months rm5 rebate)

depend on the minimum balanced they require you to keep. if minimum balance is rm1, you can withdraw up to rm249 just after you open the account

This post has been edited by edwardccg: Aug 26 2013, 11:09 AM

The disclosure page already updated, it will be rm15 for annual fee





This post has been edited by edwardccg: Sep 17 2013, 04:38 PM

Just notice this debit card, 1% cash rebate. not bad for a debit card!
Annual fee rm12, spend 1200 can cover the annual fee already.

Alliance Hybrid Debit mastercard
http://www.alliancebank.com.my/Personal-Ba...px#benefits-tab

However it require Alliance Hybrid account
http://www.alliancebank.com.my/Personal-Ba...px#overview-tab

VISA malaysia have this post
http://www.visa.com.my/personal/features/v...lpayments.shtml
but still depend if the bank offer this service, better check with your bank

will be using MC/VISA exchange rate + bank fee
refer to here:
https://forum.lowyat.net/topic/1845691

the rate would be same for CC and DC
if i am wrong, someone please correct me

For PBB debit card (not those debit card which directly linked to CASA one)
Withdrawal from non public bank will cost rm10.

So make sure withdrawal from public bank ATM

If your card tied to saving account, then is debit card.

If there is no visa/mastercard logo there.
Then is atm card

This post has been edited by edwardccg: May 14 2014, 09:20 PM