I manage to go to RHB Jelutong and apply for RHB Platinum Visa, approved on the spot and card issued on the spot. I apply for balance transfer 0% 6 months to settle my outstanding in MBB Amex for RM5500 hospital fees..

By the way, since they give me CL of 23K, if i want to reduce it, will it be possible? My purpose of applying this card is just to enjoy the 0% Balance Transfer. They told me if i swipe within 45 days, i would get 50 Cash Back and if i swipe within 12 times in a year i can waived the Annual fees, no need to spend at least 36K per annum to waive. Is that true?

I am also entitled to 4 X complimentary Plaza lounge. But i doubt i will utilize this card much as Maybankard 2 Amex platinum still give me the best value in terms of points and Cash back on weekend.

I just got a chepo RHB pen only when i apply RHB credit card instant approval..