My income is RM40k per annum.

Which credit card can give me 5% cash rebate or above in petrol . Pharmacy. wit no minimum spending? OTHER THAN Uob one card.

Citibank cash back raise their requirement, need RM 60k per annum.

This post has been edited by cutepet: Sep 25 2014, 01:24 PM

go here: https://forum.lowyat.net/topic/2979093

and give more details like what categories of cashback needed.

I currently have 4 cc from 3 banks (one of them is mbb2card)

I want to get another from cimb cause of that cash rebate card and rm150 that they are giving out for online applicants. Since i'm currently debt-free and will continue to be, for at least one more year, so getting another cc shouldn't hurt right? Well, even if i want to get a tiny car loan (in case I change job and need a car then) should be ok as long my income can support? Note, i have always settled my cc in full. But my current exposure is at 60% of my annual income. I dont know if that's high.

really itchy and really want that money from Cimb.

Can i be hand itchy and apply for 5th cc from 4th bank?

Edit:chances of needing a car is low. If it matters. Places i work are in town. I hate driving

This post has been edited by adele123: Sep 25 2014, 07:20 PM

yeap u can get cimb cb card to get free rm150 and each month online transaction u can get max rm30 equivalent to rm600 spending, take note on the cross border fees

Newbie here, any extra charges if i use citibank choice card at oversea? Will the currency rate more higher compare with normal cash currency?

will be higher due to admin cost
https://forum.lowyat.net/topic/1845691

That mean citibank will charge more 1% admin fees?

no idea on citibank's rate.

to give you some idea:

https://forum.lowyat.net/index.php?act=Sear...ghlite=citibank

I did not use my Hong Leong Bank Wise card for past year. And I'm asked to pay the Annual Fee before cancellation. Is that right? As I understood from previous banks, I don't have to pay the fee if there is no transaction in current financial year.

Technically, u have to pay AF as long as your Card was valid, i.e. not cancelled.

However, u should write in and ask that the AF be waived as u did not use the Card and u overlooked to cancel

If HLB insist that u pay, say that u will complain to BNM / FMB

Agree with cfa28 with the assumption that it's within the first statement cycle after AF is charged.

If it's more than a month, then it's our responsibility to dispute/cancel the card once we got the statement. Otherwise, it will incur penalty charges for 'late payment', etc.

I have been using my Citibank Clear card for 3 years and each year i was given a waiver on the annual fee after i call in to request for it.

But surprisingly this year they refuse to waive the annual fee, so i have cancelled the card.

Question, can i still call/write in to make a report and ask them to refund me back the annual fee + govt service tax that was already charged?

26 Aug Govt Service Tax charged
12 Sept Annual Membership Fee charged
22 Sept Card cancelled

Could anyone tell me if it is possible for HSBC or SCB cards to perform cash advance trnx at local bank ATM ? 10 years back that is not possible .

should be able to as long as the atm has visa/master logo
but never ever do cash advance - the interest and charges are just crazy

Only HL Wise card. Need to call before they charge the AF.

This post has been edited by mynewuser: Sep 30 2014, 02:43 PM

as long u didn't make any transaction after the fees were charged u can just deduct these 2 amount and keep calling them to close the account

Thanks alot for your advice. I had my streamyx autobilling charged on 8 Sept, but no other transactions after that so i guess i'll have to pay for the service tax, will try calling them to check if i can get the annual fee refunded.

Guys,
Need advice on which credit card is most beneficial for insurance payment? Specifically Great Eastern insurance. Currently paying with my Maybank Visa which doesnt give any benefits apart from treat points.

Doesn't GE have their own OCBC card?

The card doesn't seem like having good features just 1% rebate and annual fees to pay.