i presume you mostly travel locally or within asean countries like indoensia.
frankly i would not consider eraman as a duty free shop at all - rather a crony shop.
the prices are marked up about 20% even with the duty exemption.
if you fly to changi, you can easily get a bottle of russian vodka at a fraction of what you pay at eraman.

If i over pay the credit card , will the payment move forward to the next billing ?

CIMB has this ridiculous policy on using their card overseas or spending online in foreign currency. They charged certain amount for admin fees + I think 8% cross border fees. So it will sum up quite a hefty ridiculous charges. Avoid using CIMB online and overseas altogether.

That is the standard reply, but you still can set it to RM1. Just send an email to Bank Negara.

email take long time, meanwhile, u can call to the CS first

i hope all are aware that the points with visa signature and visa infinite can be used to redeem cash vouchers - tesco, kfc, jusco... the points have expiry date.

i called to redeem 5 days ago, got sms 2 days ago, voucher just arrived via poslaju.

cimb cc has been gud to me - allowed me to transfer expired points of old direct access card to new visa signature. with no af, gf rebated.

a yr later, they now give me new visa infinite, allow me to redeem the expiring points, transfer pts balance to new card.

gud news is that visa infinite has no af and can expect gf rebate.

more generous than citibank!!

the promo is for one month only 28 June to 31 July 2014. Since i experienced it before, if you use the CIMB Cash Back card and if agoda transaction is processed manually no 5% cash back

The Eligible Participant shall not be entitled to participate in this Campaign if he/she sends the SMS from a mobile number that is not maintained in CIMB’s records.

Too bad...cimb mastercard only...

just noticed that CIMB has lower down income requirement for VI application From rm200k  to  rm150k per annum..

Minimum income for VI will be 150k and for plat card will be 60k minimum. I believe it is across all the bank in My.

Fuh! Not bad promo for RM150

http://www.cimbbank.com.my/promo/cashrebate/

Time to pick up the Cash Rebate Card.

I call them to cancel card just before 1 Aug. But i told them cause the card seldom use..

then they say give me RM 50 back if I spend RM 200 in one month.

So I retain the card lo..haha