My wife has the Citibank PremierMiles but only used it to get Freebies. Today, my wife called Citibank to request waiver for her PremierMiles coming annual fee. I was surprised that Citibank happily waived the annual fee without any conditions

Click below link to read my short post at wordpress.

Citibank PremierMiles Visa Signature Annual Fee Waiver

Guys, I went to sign my housing loan with UOB today and was asked if I want to apply for UOB one card as well and so I did.

Just curious, is this card good? Oh, they waived the RM50 until the end of March which is the reason I took the offer.

what it means by until end of march?

more info on the card here, seems quite hot
http://forum.lowyat.net/topic/1922946

idk, the banker told me until end of March 2012, BNM's RM50 fee will be waived for new card application.

Thanks for the link, saw it earlier.

This post has been edited by nyunyu: Mar 23 2012, 03:11 AM

Most credit card issuers nowadays offer to absorb the 1st year RM50GST. And for your information, all the bank staff are pressured to get new customers for credit cards. And the UOB One Card is great for petrol up to RM600 and that is about it. You only earn miserable 0.3% for general transactions. Not only that, they have new stupid requirement in order to get annual fee waived, need to swipe 60 times a year! Got to waste time calling UOB to request for annual fee waiver. Click here to read my article - UOB Credit Card - Why You Force Me To Beg You?

To All: I just posted a new update on Maybank Credit Card Promotions and Benefits 2012.

This post has been edited by Gen-X: Mar 23 2012, 09:39 AM

Good tip on the insurance tied to credit card promo thingy. I wasn't aware of this. Luckily i have never agreed to any insurance promoted to me over the phone that is offered only to customer of ABC, DEF bank.

By the way, the HSBC Rewards Points are good for up to 3 years only

Has anyone focus on loan from credit cards?

I know that Stan. Chart. has this Cheque On Call feature, which allow quick loan from the CL with attractive interest rate.

How about others like Maybank or CIMB?

MBB has similar called Cash Treats with one time upfront interest of 3.88%. Not sure still valid for the interest fee.

Thank you Sir for the feedback

Focus is like a positive word and just does not sounds right when referring to loans. Focus on how to make more money so no need loan from credit card more appropriate

And what is so good about the SCB Cheque On Call? Interest rate? Any upfront fees? Duration?

Please stick to credit card discussion only. No loan talk.
I don't appreciate it if topics are mixed up and FYI loan from credit cards are very expensive - we don't tolerate debt building the wrong way in here.

Hehe, I was trying to say 'focus on the topic' of... Last year was offered with the rate of 1% up front fee + 2.99% interest rate, 12 months repayment period, which I think it's a good deal. Not sure if this is still valid.


OK, understand your point there, probably it's better to discuss in different thread.

IMO, this has slowly become a credit card's feature, be it COC or CashTreats, which I think will help the forumers to decide which card to apply if this feature is important to them.

If you have this kind intention to inform the public then it is good. It is even better to also educate the public both the features and the cons of such features. Many would only want to mention the getting the money part but forgetting the interest and risk of such debts - we don't want one sided information.

I come across this feature for Hong Leong Plat Business card.



Meaning due date is 60 days from statement date right.

maybe true, assuming you make the first transaction after the statement date and the cycle end in 30 days. normal card they allow for another 20 days interest free period perhaps this card add another 30 days interest free period.

correct me if I'm wrong

Guys, is it worth it to apply for SCB Visa Infinite?

Couple of months ago I asked for waiver for my PremierMiles annual fees and was told that there is no annual fee for the first two years. However did not manage to ask for waiver of rm50 GST. So have to use 2000 premiermiles to redeem.

haha, no wonder they agreed to "waive" it.

Hi guys,

wanted to apply another CC but dont know which one is good....can recommend me?

i got

HSBC amanah plat
MBB Amex
HLB Essential
Citibank Giant/clear/cash back

looking for another card which give me some good benefits, my annual less than 60k

What kind of good benefits are you expecting ?

What are your spending pattern / location ?

Each CC have its pros and cons. If you can provide more info, the seniors here can give recommendations.

e.g.
- I like to watch movies at TGV/GSC/Cathay/MBO/etc.
- I like to drink at Coffee Bean/Starbucks/Old town/....
- I like to eat at hotel buffet
- I like to eat at Restaurant such as xxx, yyy, zzz ?
- I like shopping at Coach, Burberry, Jimmy Choo, or Parkson/Jusco/Metrojaya or Hang Ten/Levi's/Baleno/... ?
- I like to pump Petronas/Shell/no care
- I fly a lot overseas and pay for flight/hotel/etc.
- etc.
- ...

Post here for recommendation:
http://forum.lowyat.net/topic/1973206/+1260