this card only worth it if you want to redeem airmiles

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This post has been edited by aromachong: Nov 6 2016, 12:15 AM

i think this card is better than scb worldmiles in term of conversion rate to miles..

First year free.... cancel next year if u want...,

alright then.. thanks!

guess what maybank officer offer me ? he ask me pay my FD with my card ..... this sound crazy, going to see them see what they offer CC to FD ...... than 80k per year is not issue ...

perhaps you misunderstood his offer?
he asking u to pledge fd to get this card?

perhaps u don't read properly

Sorry you need to rephrase your words, what is "pay my FD with my card"?

I am one of those that pledge FD to get the card, what is your exact problem? Pledging basically mean you tie your FD to the CC to compensate the difference of CL that the bank is willing to give you & the minimum CL required for the card.

Maybe policies have changed, but 2 years ago, when I got a principal card for my wife, whose income was just a bit over 10k short of the minimum, I was asked to pledge the card limit, not the difference in income...and now the eligibility income has dropped 1/3, still never gave back my FD....

sorry for you.
i means Pay My FD with my Card. means deposit fd using my card, means using my card to do fix deposit.
that is most ridiculous offer i get from my banker, any way meeting him next week to find out .

if this is true and can get points..i dont see what wrong with it..

How do one pay his FD with his card? you withdraw cash with your card to put in FD? But you have not got your card? Sorry am i too tired from work or what?

This post has been edited by bearbear: Oct 18 2016, 09:26 PM

that why i asking lor ..... cause a bit weird leh, means i use my credit to pay my FD than a month later only pay my credit + extra point. means i can use my credit to make one month interest free.

same thing, they ask me to terminate the card so i can take back the FD, then apply back in 6 months

Maybe they charge you cash advance fee!

that will kena F i still figure out next week

technically, there is no more need for the FD, since income is now way above the requirement....maybe i will ask about this....better take advantage of the gia promotion....

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This post has been edited by aromachong: Nov 6 2016, 12:21 AM

IMHO, 2CPremier is only worth it if you can earn enough points to exchange to air miles due to its best conversion rate and TP earning rate (though not as good as last time). Even with VI card, you get 2TP for every RM1 spent.

2 years worth of collecting points allowed me to fly business on cathay pacific by just paying RM 1k on taxes for 2 pax. Cash purchase value of the ticket is about RM 34k for 2 pax. Think of it as having a big treat once awhile.

Some people prefer monthly cash rebates. I prefer having being rewarded with big treats once awhile. 2 years of RM 50 - 100 cash rebates does not give the equivalent value as flying J class.

For those who want to optimize earning, i suggest to pair this card with either HLB Mach Signature or MBB Krisflyer Amex to take advantage of points earning from Utilities and Government. If you can get HLB VI or Alliance VI, all the better.

Just stay away from HSBC cards even though their advertised conversion rate looks good. They come with lots of T&C and limitation. I had a big headache trying to figure out when to use the card and when not to.

CIMB VI or World Mastercard while has good potential miles earning rate, the AF is too expensive and to get a waiver is a bi**h. Have to spend like RM 1Mil to get automatic waiver. There's also a limitation on the number of miles earned a year.



This post has been edited by raist86: Oct 19 2016, 09:08 AM