Hello , This is my first thread for hong leong fortune .
since im new with lyn and just apply with fortune ,
i hope to get more idea , opinion , about the card.
the pro and con from this card.

Here from the copy hong leong website.

1% Real Cash Earnings on your purchases*
Whether it's shopping, dining, petrol or anything else, you will earn 1% cash for every Ringgit spent. E.g. RM100 x 1% = RM1. Spend more, earn more.

Earn interest on your Real Cash Earnings
Your Real Cash Earnings balance will also be earning interest (interest rate is based on the prevailing Hong Leong Bank 3-month fixed deposit rate).

Up to RM1,800 extra Real Cash Earnings on your card's anniversary
Extra earnings are based on your total annual retail spending, up to RM1,800 in real cash.

THE PRO is If you able to spend monthly rm9000
you get rm50x 12 = rm 600 (cap rebate)+ rm 1800 (bonus) = rm 2400 ( = 2.48%) rebate + interest .

if you spend rm 5666 monthy x 12 = 68000 yearly .
you may gain 880 + 600 = 1480 ( equivalant of cash rebate 2.2%)

about the same to mbb2card amex is slightly better because it have 2.5% as TP convertion.

Currently im thinking
Its that the Best of using Visa on Fortune , and Amex on Mbb2Cards .
If you do not want much benefit and privileges like the Vs/VI / WMC.

The Cons is the Priviledge and the Benefit from this card. since you paying a RM108k a year..but u do not gain the priviledge like i have my
AMex Pcc , or SCB VI.
and you must use rm2000 so you only ABLE to get the rm20 minimum to bank in to the account. this is what not good for the low income.

but i saw some thread about the usage of ocbc titanium vs mbb2amex vs citi cash back , uob one and maybe others .im not very familiar.
but its capped on rm50 only if im not mistaken , im not a professional for all cards.

so if you are big spend can get 108k a year to spend . each actually very good much better than alot of 0.5% unlimited. (rm108k x 0.5% = rm540 only)
you may spare another card as in your mbb2amex and visa fortune if they reach your credit limit.
i always spare a charge card with me , but its doesnt seem good cause some places like gdex and fedex i pay around 30-40k and it cannot go with amex merchant . please tell me if you have other good cards. im very thanks to all the forumers member to give me a chance to discuss here..
your help is always appreciated.

Cheers.

This post has been edited by bertdeen30: Dec 23 2011, 06:41 PM

i hope to have more discussion , from different v iew and opinion , tq

Gen x ..how do u it by only 1.43%? Because if u add the anniversary 1800 it become higher 108k with 2400 rebate per year.

For alliance , I checked the first 500 and 1000plus upto spend 2500 to 5000 have separate tier so if I spend 5000 monthly 5000+point is worth if u spend more than5000 is capped max but u only earn point. This is why I'm thinking to use fortune then alliance I also alliance member , I just get loan with them for my semi d.
If I'm not mistaken they use rm5000 capped total rebate is rm70. With point 200point can change rm1. It worth rm 25 +70 so near 2% am I correct?

Yes you are correct.

I'm going to plain only use 9000 for hlb fortune and 5000 alliance plat month.
Just to pay for my company freight charge.

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Added on December 29, 2011, 2:43 amJust Apply Last week and get approved this week , will share the details , hope i get the last 8 easy remember digit number

its easy to get approve~

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Added on December 29, 2011, 2:45 amJust Apply Last week and get approved this week , will share the details , hope i get the last 8 easy remember digit number

its easy to get approve

This post has been edited by bertdeen30: Dec 29 2011, 02:45 AM