Guys I just got my HSBC visa platinum card (the reward card). But recently stumbled across the thread in this forum.. Kinda worried now. Is it a good points card? Scare of annual fee can't waive also later... Anyone got any good/bad experiences with it?

Still nobody calls me for verification. I will have to follow up it seems.

for the point systems... faster to accumulate points to change for voucher? and also got 250 rebate if manage to swipe up to RM 2.5k by February.

info here:
https://www.hsbc.com.my/1/2//personal-banki...#_visa_platinum

I go to Mid Valley and shopping malls quite often.

For Aeon Voucher 15k can get RM50 voucher liao.

I'm currently using Maybank Amex, but nowadays its points are worth half than previously.. As you can see here:
https://www.maybank2u.com.my/WebBank/TPoint...ption300415.pdf

Needs 23+k to change for the same RM50 voucher (and got bad experience with it due to it being managed by 3rd party.. RM10 went missing had to call them to send again.). And problem with Maybank Amex? Not many merchants want to accept it - only big merchants ok due to Amex imposes a higher % interest to the merchants swiping it.

I'm concern with the annual fee.. if need to pay RM200+ a year then not worth it liao. Saw that slip in the mail that came with it.. doesn't state that minimum need swipe x times or can call helpdesk to waive it.. nothing... just list down all the annual fees for each type of card

This post has been edited by Davidtcf: Dec 23 2015, 09:11 AM

damn they have this clause:

"

Terms and Conditions for HSBC Reward Points Programme 2015 Phase 2. Valid from 1 DECober 2015 – 31 December 2015. The 5X Reward Points/8X Reward Points are only awarded on spend by HSBC cardholders of HSBC Visa Platinum Credit Card, HSBC Visa Reward Credit Card and HSBC Gold MasterCard Credit Card up to a maximum spend amount of RM3,000 per Participating Month cumulatively at Participating Shopping Malls. There is a maximum of 700 million Reward Points to be given out throughout the Programme Period based on 'first come, first served' basis.
Based on spend made at the following merchant category codes: Fashion, Electrical, Furniture, Gadgets, Jewellery, Entertainment, Groceries and Dining, including those made on 0% instalment plans.

Terms and conditions apply."

Means January 1st onwards different thing?

RinggitPlus: iRova Vacuum cleaners are being wrapped and prepped to be shipped to their new homes!

Annual fee for HSBC, just call to request to waive. Last time they committed if you swipe x times a year it's automatic, but they now say because of GST they must charge to statement first and you can request to waive by calling them

I've used visa signature for 2 years... quite a lot of complain but I continue to use it because I too visit MidV a lot
Few things to look out for:
- There is a cap on the bonus points, up to RM1,500 per month. So if you make large purchases, you might want to use Amex instead if you exceeded the cap
- If you redeem airmiles at the promotional rate of 3000 point to 1000 miles, best to redeem everytime you have 3,000 points because it runs out really quickly towards the end of the year

But then, we don't even know if the program will continue in 2016; to be honest, if they discontinue it, I would terminate this card.
Generally, read every T&C carefully because HSBC is rather sneaky in rewarding its customers

u work with them?

read their fb

I applied visa signature via agents in shopping mall. No free gift! I should have apply via ringgitplus!

In fact I've received my robot cleaner last week.

Diana had been really helpful (assuming it's a "she")

Eh sexist betul ni buat kerja cleaning straight away assume is awek.

I also have one but hardly use as need the floor to be flat (I have split-level) and no obstruction (I leave stuff around a lot).

Diana is from RinggitPlus la.

lol wut. You thought I named my robot cleaner as "Diana"?

Thanks for the reply.. Will try use this card for a few mths and see how it goes..

LOL we can easiliy differentiate those who have applied via RP... all of us will know Diana!

I haven't applied before my sister did.

Lol I didn't even see the name on the RP email, applied 2 cards from there before

anyone know about the 5x swipe per week get RM 25 cash back?
can split the bill?

just called HSBC to check about annual fees.. they say that 1st year is free. Annual fee is charge around close to card's anniversary date (same mth with expiry) either during or the next mth.

After 1st year, 2nd year onwards, annual fee is only waived if you swipe more than 12 times (no minimum amount). Call HSBC to request for waiver when it happens... have to pay first following month only will waive.

Calling HSBC now, already 10 minutes still no CS entertains my call!

Gave up after 15 minutes.

Does anybody know what is the email address to check for credit card application status? Until today nobody calls me for verification.

This post has been edited by fruitie: Dec 28 2015, 11:22 AM