Airasia has come out with its Prepaid Card, aka the loyalty scheme.

http://loyalty.airasia.com

However, I think this is another useless programme since only 1 point earned per RM2 spend. Moreover, if it is used to make payment for Airasia ticket, RM8 convenience fee will be charged.

How you guys think bout this?

by reading the TnC, current UOB credit card holder is not eligible for this campaign.
therefore, those holding both debit card and credit card is not eligible

some representative not clear about basic savings account features. you may always open a basic saving account, tell them nicely that you opt for no annual fee option. if there is annual fee charged, you can file a complain to HLB headquarters, CC to bank negara. (i got my annual fee refund through this way)

I emailed OCBC and below is their reply


Dear Sir/Madam

Thank you for your email of 3 November 2017 and we apologise for the delay in replying you.

With regards to your enquiry, your Debit Card will not be charged with annual fee if it is only tagged to your Basic Current Account and/ or Basic Savings Account.

However, if the Debit Card has more than one account tagged besides the Basic Current or Savings Account, the annual fee will still be charged.

Please write to us if you have any queries, or call our Customer Service at 6(03) 8317 5000. Our operating hours are from 8am to 10pm (Malaysia time).

Thank you for banking with us. We look forward to serving you again.


Yours sincerely

Chew Cheah Yuen Lin
Customer Service Executive
Contact Centre
OCBC Bank (Malaysia) Berhad

i think what they replied is satisfactory..
they do offer annual-fee-free debit card for BSA

8 free withdrawals monthly
https://www.maybank2u.com.my/maybank2u/mala...gs_account.page?

i encountered similar problem as yours few years back when i want to open BSA at maybank. I had kawanku saving account that time when i wanted to open BSA.

i was told the same thing. however, the officer helped me to "convert" my kawanku saving account to BSA, without the need to change account number
maybe u need to try to talk to the senior officer regarding this



as for letter from employer, it is the bank's right to do so - to prove ur residential/working address. when i open my BSA at standard chartered bank, they ask for my utilities bill/phone bill to prove my home address

as part of the effort to anti money laundering, bank has the responsibility to make sure that the fund is legal, they have to report to BNM as well.

you may escalate the BNM. but i think the outcome is the same as well

I just opened BSA with option 1, initial deposit of rm20.
no annual fee for debit card and no card issuance fee

I think u may file a complain to the branch manager and escalate to Bank Negara by official email if the branch staff is not helpful


Attached thumbnail(s)

they may tell u cannot refund. but u have to stand firm. cc a copy of that email to bank negara, this will make sure that rhb will expedite your request faster

nope.. tried but was told that reload by using credit card is not permitted

this prepaid card is not doing well as of now, since there is no much promotion as compared to other competitors and reload have to be done by cash/online banking(cash)

this cashback is for 15/10 - 14/11 or 15/11 - 14/12?

seems they credit the cashback fast

can post at this thread for credit card related enquiry https://forum.lowyat.net/topic/4281854 or recommendation https://forum.lowyat.net/topic/4161836

This post has been edited by hebe87: Oct 20 2022, 04:40 PM