Go try Bank Islam...

Surprisingly my car loan was approved within a day. AmBank as well.

Collected the cards today, activate the cards at the branch, then sms Get RM150 cashback promotion. The activation process is a little bit lengthy. After went to Sam Groceria Gurney Paragon to top up Touch N Go RM500. Done! Free parking somemore.

Good idea to reload TnG at Sam's. I wanna try mine too but it means half a year I no need to reload and have to be extra careful with my card to not to lose it. Else mafan, have to report.
I think it will consider as groceries right?

Report as loss card, refund in 14 days to saving acc. Easy

Free money huh?

I applied an Ambank world master card from kremlin's friend on 1st July and the application has been approved when I checked the status through the IVR today.

1. Is the 300 MYR rebate with 800 MYr spending still valid? If so, can I make a single transaction with amount larger than MYR 800 to entitle for the rebate? Any SMS registration needed?

2. Is there any possibility to pledge a fixed deposit to get the visa infinite card? The visa infinite seems to be much better if compare to world MasterCard in term of the benefits.

Thanks.

This post has been edited by Parasite85: Jul 15 2015, 09:55 PM

1. I think still valid... I once called CS to see if the quota is filled but they won't disclose. You have to be take a small risk. No SMS registration needed.
http://www.ambank.com.my/ambank/SiteAssets...ashBackInfo.jpg

2. Better check with CS.. I think no one done that before

This post has been edited by kremlin: Jul 15 2015, 11:47 PM

Remember to register for rm150 cashback too

What is the different between world master and VI?

I guess AmBank doesn't like me at all... slow like a camel. My application on 24 June 2014... still pending
Possible guess : My credit exposure is over-exposed hahahaha

This post has been edited by ronnie: Jul 16 2015, 09:48 AM

Thank you for the info.

Does this Rm150 rebate stack with welcome bonus?

Visa Infinite has it own promotion like upgrading the room for certain Hotel and etc.

When did you submit your application form? Had you contacted the customer service?

I submitted the application through Kremlin's friend and this may be the reason why my application
has been approved in the faster manner.

Honestly speaking, I am quite surprised that the application was approved as I am holding
credit cards from some banks, Maybank, CIMB and Hong Leong. Meanwhile, I am
applying for the Public Bank and Ambank credit card at same time.

Maybank for 5% rebate during weekend spending - Going to cut it after Aug.

CIMB for 50% fine dining discount and free coffee at Dome cafe

Hong Leong for Enrich Point - Thinking to cut it since it is replaceable by Ambank card.

AmBank - For oversea spending to earn enrich points and unlimited Premium Plaza Lounge.

Public Bank - 6% rebate for online transaction - Application in the process.

But of course, I have 0 debt and have no commitment of housing loan and car loan.

The irony is ronnie submitted through kremlim's friend too.

I submitted through KL Sentral branch and it is quite fast and no verification call required and straight approved.

By the way, I have 7 cards from different banks at the moment and still approved.
Each bank has its own assessment.

This post has been edited by fruitie: Jul 16 2015, 10:57 AM

The RM150 is separate promotion and you will get RM300 + RM150 if you fulfill the RM500 requirement

Ronnie submitted his application through my friend too but I think it is case-to-case basis.

Guys, what is the main reason for holding am bank cc such as VI or WMC? I am thinking to apply but I just wish to know in details... (I seldom travel to overseas)

Ambank WMC and VI offer a very attractive point conversion rate for oversea spending along with unlimited Premium Plaza Lounge with 3 oversea transaction.

I would recommend you go for

Maybank VS/ 2 card premier/ world master

or

Public Bank VS

for cash rebate if you seldom travel oversea.

This post has been edited by Parasite85: Jul 16 2015, 05:32 PM

Which means am bank cc is mainly for traveller?
I have applied PBB VS and MBB VS.

Yes, because it gives unlimited entries to PPL in Malaysia and some selected overseas PPL.

I applied one because I always travel between KL-Beijing and one of the overseas PPLs is at Beijing International Airport.

Pros:-

Good for traveller - attractive conversion rate for oversea spending, unlimited premium plaza lounge with condition, low interest for installment, silver MasterCard logo (I opt for a good-design credit card).

Cons:-

The minimum credit limit for Ambank World mastercard is Rm 30K (CL for VI should be higher). Most of the banks take into account of your total credit limit (and other commitment) from all other banks and prefer not to issue a card with credit limit higher than 3 times of your monthly salary. It occupies your credit limit. Although the minimum annual income for WMC is 100K as published in ambank website. However, I believe ambank favors the applicant with income 120K per annum (monthly income 10k x 3 = minimum credit limit 30k).

This post has been edited by Parasite85: Jul 16 2015, 05:57 PM

Got SMS for AmBank promo when I haven't received my card yet.

Called KL Sentral branch and the officer who always deals with my case is on Raya break, her colleague checked for me that they haven't received my card yet.

Called CS and they said card was out on 14th July and asked me to wait till this Wednesday.

OMG.