Both GST and Annual Fee are charged for the upcoming year.

So, if you have not used the card after these 2 have been posted, you don't have to pay them prior to cancellation because you have/are not going to use their service.

if you plan to cancel your cc, af is much more easier to get waived if compared to gst (as long as there's no more new transaction by you after it's imposed).

i don't know where else can i ask this but i hope u guys can help me asap. so basically, i transfer a sum amount of money to my blocked debit card but does the card receive it?

This post has been edited by Bodon: Feb 11 2015, 03:51 PM

is it important to have CC when travelling overseas?

not necessarily, depends on which country you travel to.

japan
this is just my 1st time
i only think of getting CC for emergency, in case miss flight or anything.
also if i shopping using CC there, is there any additional fee?
sorry i am noob.

I've read many credit card for oversea spending but as I have only about 62K income per annum, not qualified for those signature, world, premier cards...
any other better alternative cards for my income status for oversea spendings?

All credit cards are usable at overseas.
As long as you have one, you're set. It has nothing to do with your income versus spending at overseas.

I know all credit card can be used overseas but there are some better card for better values such as better cash back, better insurance better service, better miles, better conversion etc
If you know what I mean...

Yes .. I know what you mean.
Earn those cards. The senior folks and including myself started from just a basic card to where we are now. Back then the qualifier for Gold and let alone Platinum were extremely high. Times have changed but it doesn't mean you can just get a certain type of card if you don't qualify for it.

Those premium cards expect you to spend. For example MBB VI requires you to spend RM50K a year to get a AF waiver which is RM800 per year. Waiver req is non negotiable. I'm not belittling you but your income is RM62K per year. Can you afford to spend 80% of your income just so that you get a better credit card ?

It wouldn't be practical but it's your money after all. Go ahead if it makes you happy but I would strongly suggest against such an idea.

I reiterate ... earn those cards and this is not a place to suggest or ask for backdoor irresponsible stuff.

(I'm waiting for my fan club to come in and say I got no right to advise against it. It's my right to suggest a responsible answer.)

This post has been edited by hye: Feb 13 2015, 03:56 PM

just to get things straight, I AM NOT looking to get these premiere cards now for oversea spending, merely asking for any gold or platinum that tailored for oversea spending, at least I know bringing a clear card or petronas card to oversea is not going to get me anything compare to maybank 2 card, some platinum card gives free insurance, free lounge entry (with terms), better point collections etc while spending overseas.

I may never get those premiere card but to get a BETTER card to spend a nice DIY holiday is what I am hoping now.

Refer here if you are looking for cards with lounges access:
https://forum.lowyat.net/topic/1791878

Refer here to compare actual samples of imposed exchange rate:
https://forum.lowyat.net/topic/1845691

To qualify for travel insurance, you would need to purchase the air ticket using that card. So if you already purchased your air tickets, you will be not eligible for the travel insurance. I advice you to get a proper travel insurance instead.

Most of us don't reply on one specific card as some card give better cash back on weekends, some give discount for dining, groceries, some with better exchange rate.

If you are looking for cards being marketed as travel cards, then you might wanna have a look at Citibank products.

+1 I fully agree with you. You may get gold card with travel insurance such as Ambank, RHB gold, and many cards that have travel insurance benefits.

Someone just replied your post with arrogant attitudes, such behaviors is unacceptable.

Bro, you qualify for Maybankard 2 Cards AMEX - fantastic cash back on weekends, and better miles conversion.

Having said the above, from member's posts here at CC Section, if you want lower foreign exchange rate can consider AEON or AmBank credit cards.

Just inform the credit card issuer you are going overseas to avoid any rejects. And I note from other thread you mentioned you only have one card, better to hold credit cards from 2 different issuers just in case AND my advise is that your credit card has the same name as your passport - I was told by my previous StanChart Relationship Manager, who holds a SCB Visa Infinite, she could not use her SCB VI when she wanted to buy a handbag in Europe (can't remember which country) because the name of her card is different from that in her passport (she used her English+ Surname only which is not in her IC or passposrt).

sevendogz, the advice from Human Nature above is the best advise anyone can give for people traveling overseas. Always get third party travel insurance from an agent in your town. You get to claim for damage luggage too and most travel insurance also covers hospitalization.

Few years back, my second son had to go to the emergency ward in California while holidaying with my dad because of food poisoning, and the bill (outpatient) was more than USD1K! My dad paid the bill with his credit card and when he returned, he submitted the bill and was reimbursed in full.

You are my sifu who taught me about airmiles and I'm your No.1 fan

Your post are facts and one can learn from them if they practice critical reading.

This post has been edited by Gen-X: Feb 14 2015, 01:41 PM

thanks for all these advise, as I am still learning and will continue to learn from all great sifu around
I should have state my questions in a clearer picture to prevent any misunderstandings, cheerz

I have bought the tickets using wife's Citibank Platinum and there is insurance covered for the trip but I wonder is it just ONLY for the principle card holder for covering the whole family (whose air tickets was bought using the same card)? If not, I will need to buy insurance for the 3 of us excluding my wife...

3 years ago: the insurance provider under citibank is Ace Jerneh and it covers Citibank Cardmembers and their spouses and dependent children (where applicable). Cal; up citibank to get the recent terms.

that's great, will call up later, thanks

If you're going to depend solely on the Citibank travel insurance (or any other card's complimentary travel insurance), please read the policy document carefully. Even the top cards like MBB 2 Premier do not cover medical. And that tends to be your biggest risk while travelling.

If it's really insurance you're after, consider getting proper travel insurance (AXA Affin or MSIG). They actually provide proper cover and not just some token coverage to advertise "travel insurance". Not expensive, maybe per person about RM100 for a trip to RM400 for a year.

Take this from someone who has made more than his fair share of claims. Oh, and make sure you request and keep all your receipts/proof of delayed travel/lost items.

Agree but just to add further, the premium depends on the travel duration, destination, etc and can be as low as RM35 eg. AXA (RM100 will spook people )

OT a little bit.

This post has been edited by Human Nature: Feb 14 2015, 04:41 PM

Thank you @Gen-X. BTW, it's great to have you around contributing to this forum.
For all that matters .... who knows all the hate I get could turn into love ? Hahahaha .....

Many here would actually be wow'ed by the many credit card (I think all banks offer them) travel insurance. Like the many senior folks that have mentioned this before - read the fine print.

Let's view an actual example : Maybank Signature Credit Cards - Card can be considered an almost premium or above average level card.

From their website which illustrate their product info page
Travel Insurance Coverage Up to RM2 million Travel Insurance Coverage when the cardmembers charge their travel ticket in FULL to their Maybankard Visa Signature.

Travel coverage
- Travel Personal Accident Insurance - up to RM2 million
- Missed Flight Connection (after 12 hours) - RM1,000
- Luggage Delay (after 12 hours) - RM1,000
- Lost Luggage (after 48 hours) - RM3,000

In the event of claims for luggage delay or loss, your purchase of essential clothing and requisites must be charged to your Maybankard Visa Signature. Cash or usage of other cards will result in non- payment of claims.


The fine print (It can be accessed publicly ... so anyone with an eye for detail can look this up if they bothered to do so)
"The Company agrees that if, during a covered trip which has been paid for by the Cardholder, the Insured Person shall sustain accidental bodily injury caused by violent external and visible means which solely and independently of any other cause shall within twelve calendar months result in death or disablement, the Company will pay to the Insured Person or his/her legal representative the benefits stated in the Schedule." and "If, while on a covered trip, an Insured Person incurs Medical Expenses as the direct result of him or her sustaining Accidental Bodily
Injury the Company will indemnify the Insured in respect of such expenses up to the specified sum insured.
- simple translation, if you sustained simple injuries or got sick, this free insurance does not pay you at all. You need to either sustain permanent disablement, serious bodily injuries or .... gone from this world for anyone to collect compensation.

"If the Insured Person's accompanied checked-in luggage is not delivered to him or her within 12 hours of the Insured Person's arrival at the scheduled destination point of his or her flight, the Company will indemnify the Insured for the Maybank Visa Signature charges incurred at such scheduled destination in respect of the emergency purchase of essential clothing and requisites up to the limit expressed ..." and "If the Insured Person's accompanied checked
- in luggage is not delivered to him or her within 48 hours of the Insured Person's arrival at the scheduled destination point of his or her flight, such luggage will be assumed to be permanently lost and the Company will indemnify the Insured for the Maybank Visa Signature charges within 96 hours of his or her arrival at such scheduled destination in respect of the emergency purchase of essential clothing and requisites up to the limit expressed in
- seriously you can survive without your clothes and essentials for more than a few hours once they are known to be delayed/lost ?


In short, For those serious travelers who are looking for some form of decent traveling coverage then you should just ignore the free credit card travel insurance and just buy your own. This is what the free lunches will actually get you. Hey ... nothing is wrong in getting the free lunches but on the other hand this is whart you will get, don't complain coz it's free. The above example are just one of the many examples around and it shouldn't differ much. If anyone could find a credit card that offer superb travel insurance coverage beating the paid insurance, please let us know.

For me .. this is what I would be looking at for travel insurance
1. Medical coverage - what does it cover and how much ? Remember medical cost overseas are not like in Malaysia and I'm sure you don't want to go to some cheap clinic overseas which may bring you more trouble than cure.
2. Lost / delayed luggage - how many hours before you can claim and how much?
3. Delayed/cancelled flights - what's the coverage ? Special view on compensation for emergency accommodation and food. They may just offer you RM200 per day for accommodation and remember you are overseas. What sort of accommodation can you get for just RM200? (Example)

Shop around (I do have personal experience on buying travel insurance thus I talk from my own personal experience) and you will find that the real travel insurance are inexpensive and can provide what you need. Don't buy the insurance directly from the airlines if you want value.

This post has been edited by hye: Feb 15 2015, 05:07 AM