There will still be some foreign exchange fee with ATM/Debit/Credit card.

As for cash withdrawal fee (per usage), please call HSBC CS or refer to their website for further info.

Like I said, use your MBB Petronas Credit Card because it has on of the lowest conversion fee for Malaysia issued credit cards.

I used to have the MBB Petronas, click on below links to see my article on overseas transactions and you'll note MBB Petronas exchange rate was the lowest when comparing to my other credit cards.

Overses Transactions - What Card Is The Best? Part II comparing transactions in Singapore.
Overseas Transactions - What Card Is The Best? comparing transactions in Singapore.
Overseas Transaction - which CC to use? HSBC rate was among the highest for US and SG transactions.

Tell you what, you go do cash withdrawal with your HSBC ATM card and also pay with your MBB Petronas Card and then report here back the exchange rate comparison please.

If the merchant can rectify for you then no problems. If the merchant refuse to rectify it, you can lodge a dispute with the card issuer and let them take the necessary actions.

Once I bought a Jet Star ticket and somehow it showed that my booking did not go thru. So made another booking. Then my statement came and got doubled charged. Call MBB and they said to check with Jet Star and see if they can rectify on their side first. So called Jet Star and initially it showed there was no double charged based on reservation number but after further checking, Jet Star confirmed I was charged for the failed booking and reverse the transaction.

This post has been edited by Gen-X: Sep 8 2012, 01:01 PM

Depends, if you cannot qualify for credit cards like MilesAndMore mentioned, then yes. Or, maybe your petrol usage is low, like RM100 or less, then maybe this PB Esso Debit card can be even better than credit card offering 5% cash back after considering RM50 GST.

Many many years ago, in the 90's, MBf used to have a card just for local use targeted at those unable to qualify for Classic credit cards. Nowadays, they no longer issue such cards I suppose. You should not have any problems using your MBf supp card overseas but it is a good practice to let the card issue know the duration you are there (call CS and inform them). One more thing, when you are asked or need to select credit or debit, choose credit.

This post has been edited by Gen-X: Sep 12 2012, 08:43 AM

Is the insurance company in Citibank Easy Pay merchant list? If no, then no 0% installment plan with Citibank credit cards.

This post has been edited by Gen-X: Sep 12 2012, 02:48 PM

yah, you'll regret big time because for PBB cards, you need to be a big spender to benefit from their Tiered Cash Back system. If you spend less than RM2K per month, you will need to spend RM16,666.67 (see the number, hahaha) in a year just to cover RM50 GST. Those of us with MBB 2 Cards who spent RM16,666/year with the AMEX would earned 83,333 Treats Points where we can redeem up to RM400 in cash vouchers and even up to RM600 in cash back (if we were to spend RM1K/month on Saturday and Sunday), totaling RM1K in returns

Having said that, go check out PBB credit card Promotions and see if you can benefit from the discount offered at selected merchants.

This post has been edited by Gen-X: Sep 14 2012, 12:30 PM

you can but you still got to pay RM50 GST unless it's a debit card. What you should do is try to cancel your application if you really do not want the card. Once it's approved and in the system, troublesome.

Thanks for letting us know that we can get discount (not rebate right?) with MBB cards for Universal Studios and at the Zoo in Singapore. However, I have not been checking the promos for Universal Studios lately but the last time I was there, they will offering some promotion with MasterCard.

is it really hard to get a credit card? Almost everyday got people reporting here in this sub-section that they just received their new credit card. Maybank 2 cards approved within an hour. If you check out MACH Thread, application approved in 10 minutes!

go get a debit card

what is your situation? By the way, you should post here.

http://forum.lowyat.net/topic/2434771

Maybank Visa or MasterCard. To check participating merchant list, go to M2U --> Latest Promotio --> Maybankard --> Look for 5X TP Ezy Pay Promo and from they you will see the link. Or click below link

http://www.maybank2u.com.my/WebBank/EzyPay...hant_030912.pdf

To All:

I just posted at my wordpress blog - FREE 1 for 1 GSC Cinemas Movie Ticket with Visa Card When You Book Online. Offers ends 31 October 2012.

noted, thanks for update, must go delete it at my blog.

that's like 0.95 for 1 Ticket

Recommend you read my article Introduction To Credit Cards CC 101. There an example there.

This post has been edited by Gen-X: Sep 21 2012, 07:36 AM

Good news for all MasterCard member, spend minimum RM250 at Malaysia International Airports and you get:

1. double the chance to win RM1,000,000 shopping spree
2. entitled to enter MasterCard Exclusive Lounge at KLIA for FREE.

Click here to read about it at my latest article Spend RM250 at Malaysia International Airports with your MasterCard and Double Your Chance to Win RM1,000,000 Shopping Spree

Me too did not even know about MasterCard Lounge until ronnie mentioned it at Airport Thread.

Bro, the second paragraph caught my attention. do I get 10% discount for fags at Eraman?

To ALL: If you do win the RM1,000,000 because you read my article on it, you can thank me by rewarding me a bottle of Louix XIII

This post has been edited by Gen-X: Sep 21 2012, 02:21 PM

Bro, it's discount right, not cash back. Anyway, I must go check it out. Thanks.

There is always a risk when you have online account, that's why nowadays the better security feature is one that sends you a OTP before you can do any transaction with your online account. If your phone also got stolen, too bad.

As for auto deduct - I don't think the bank will do it for fraud cases BUT if you fail to pay your credit card bills or have outstanding balances and can't pay the minimum 5%, yes, they will deduct from your banking account and it is mentioned in the T&C.

Bro, if it is clearly a fraud case, we don't really have to worry since our maximum liability is RM250. However, if it due to one's negligence, like reporting they lost their credit card "late", then it is subjective.

Bro, we are here for discussion to benefit each other, why you want to insult others? The first paragraph clearly shows your intention.

And you very senso lah, you make "fun" of me with your sarcastic remarks using "colorful" words and calling me names like unker; but, I get your point and therefore I can understand where you coming from. But when others comment your reply/post, you become defensive instead of elaborating on your thoughts, haha.

For your information, Bro hye has been contributing to credit cards matters at Pinned Credit Card Thread for years prior to this section being created. I have learned a lot from him. His posts are direct and if you read carefully, he is not really attacking you but makin a point.

Everyone has their own style of writing, hye's posts are direct whereas yours is more relax style as if talking to a buddy. By the way, I like your style of writing too, using words like "rob", as if a gun is pointed at you, to make a point.

For Maybank 0% Ezy Pay, the amount you need to repay monthly is the purchase price divided by the duration (6, 12 or 24 months) you selected for the plan.

Example, you want to buy an item costing RM1800 and you go with 0% 12 month Ezy Pay scheme.

The the amount you need to pay is RM1800/12months = RM150 per month.

If you only pay RM100/month, then you would not have settled the Outstanding Balance in full and therefore you shall be imposed interest charges. Always settle Outstanding Balances as stated in your Monthly Statement prior to the Due Date to avoid any interest charges. Since you just got the card, you will get the statement soon and you will then understand what I meant by Outstanding Balance and Due Date.

Bro, it is not advisable to go with installement plan if you don't have any savings on hand. And if you go and purchase an item with installment plan when you don't have the money on hand, it simply means you are living beyond your means or as I put it, Pay Now Earn Later (i.e. you are in debt). Click here to read my article 0% Interest Rate Installment Plans with Credit Cards - It IS A Trap

If you want to learn more about credit cards please click here to my Credit Card Tutorial Page

To All:

Got no idea where to eat? Click here and check out my article Dining Promotions with My Credit Cards.