Yes.

possible, if posted yesterday, you can only see it tmr in cimbclicks
but the outstanding amount should reflect those transactions

all my transaction posted at 28th today, the outstanding only reflect after it post. Only credit limit will show the changes before the transacion post.

I have full quota starting today instead of having previous month transaction occupied my quota.

Hi guys,

Recently I've got myself CIMB PETRONAS MasterCard. It's my first card.

I've already activated it. I'm aware that the card doesn't have any annual fee for life but If I don't use it at all, will I still need to pay anything? Annual GST fee or whatever?

Also, is it true that the annual fee is free for life?

Many thanks in advance.

If stated free for life without conditions, it is free for life. No GST, nothing.

But if you don't use it at all, no point keeping it. Good practice not to keep dormant cards because they show on your credit file, and also potential risk of fraud (if someone uses it without your knowledge).

Any reason why you chose this card?

Since this is a CIMB thread, is it true then the card that I applied for is free for life?

This is the link to the card I have:
http://www.cimbbank.com.my/en/personal/pro...mastercard.html

I just want to be sure that I won't be paying anything extra as in any fees besides the interest and everything written in the TnC.

The main reason actually is, I plan to use it to fill up for petrol since I've been using Petronas 99% of the time.

But I haven't started to use it because I feel like it's kinda hard to track how much of Petrol I have filled in for the current month.

This is my current situation: Each month I withdraw cash RM300 for Petrol and most of the time I use less than RM300 but since I can see the balance left, I don't feel worried. I know how much left and I can budget till the end of the month. Somehow after applying for this CC, I'm worried I might exceed the monthly Petrol allocation as I'm not sure how much I've used.

Do you know how I can track my budget if I use CC ? If I fill up Petrol, how long does it take to appear in CIMB Clicks?

Do I have to wait for the monthly statement to check how much I have used?

Sorry for the silly questions. I'm very new to this. I just don't want to get myself in debt.

1. Item 4 of the FAQ says no annual fee. Which means no annual fee. Don't worry.

2. Regarding budget. Why not you create a simple Excel sheet (see attached sample which took me 1 minute). Then can easily track .

3. CIMB Clicks - Typically 1-3 days max to show up.

4. If you're REALLY super worried about exceeding, perhaps you check whether buying a Petronas Gift Card from Petronas qualifies for the cashback. Or you can self-experiment. For example, go to Petronas and buy a gift card for the lowest denomination (don't know how much this is) and pay using your Petronas CC. Once you've bought the card, call CIMB Customer Service and ask them to check your latest transaction and confirm if this will qualify for the cashback.

IF the Gift Card method works and you're really scared to use your CC, then you can just Reload RM300 monthly (or whatever amount you wish) into your Gift Card using your CC. Lock your CC up in a drawer, and just use your Gift Card for petrol.

I personally think that using CC is much much more convenient, but I have set out the above alternative for you to consider.


Attached image(s)

There are many useful expense tracking app out there.
I have been using Andro Money to help me keep track of my expenses on bank account & CC for more than 3 years. But it rely on user to key in your expenses
https://play.google.com/store/apps/details?...y.android&hl=en

for cashback, i created one google sheet online for input the amount spend and having the sheets formula to calculate effective cashback and quota.

This post has been edited by edwardccg: Sep 29 2016, 05:52 PM

JamesBotak, don't be suprise if you receive SMS that RM200 has been charge when you pump the petrol. It is how the pump by credit card work, the will bill you the exact amount,

try keep track in smart phone, simple sheet, or even calendar, down side of pumping petrol using you may need to watch your pump as it won't stop until it sense 'full'

can check online, and also, please pay the credit card in full statement. if there is rebate after the statement date, don't consider it as payment, at least this is true for CIMB

try set calendar for payment, so you never late, if using CIMB saving account online, the payment only reflect next day

received my supp card today
RM1200 quota online to use.

do you mind to share the spreadsheet please??

I will apply another supplementary card for my dad.

3 supp already?or 2 now?

im still deciding for 2nd supp now..

First of all, I really appreciate your information.

Now, I have more understanding and confidence in using my CC. I'll check out the Petronas Gift Card.

Another question:

I've been told by some people before that If we use CC/Debit Card to fill up for Petrol, the bank will charge RM300 prepayment at first and they will charge the real amount after few working days and return the RM300. Do you mind explaining about this?

Let's say, if on Saturday I fill up RM100 worth of Petrol, bank will deduct RM300 then on Sunday or perhaps the same day I fill up another RM50 worth of Petrol, they will charge another RM300 right? So in total the prepayment is RM600. Is this correct?

This prepayment won't affect my monthly payment right as in I don't need to pay this prepayment even tho the prepayment happens on the day of the statement cycle ?



This sounds great. I will check this out. We have our phones with us all the time hence I think this should be a good method to keep track unless we forget to key in.

Thank you for the information!

Thanks so much, do they call you or anything after you apply? as the card is to be sent to my hometown instead..

they not call, i just applied for cimb tesco, n get 2 card, 1 is tesco n 1 cash rebate. my colleague get email said cc application denied.

just a simple excel template for me.
here is a copy, you can make a copy to your google drive and customize it for your need
https://docs.google.com/spreadsheets/d/1l_g...dit?usp=sharing

Alliance Younique and SCB gold calculation is the 2 of the longest formula i have.

regret to decrease my CL
have to apply more supp and increase the CL.

hopefully by then there is no revision on benefits

Maximum only 2 supps. I only have one supp now.

You can only have two supps. More also additional one more top of your existing supp.

oh, didnt know that maximum can only have 2 supp.
my current CL is RM5000, still ok to sustain 2 x RM1800 online purchase for 20-50 days period

Two for CIMB CR. It is better if you could check with CS. I could be wrong. I just referred to first post that shows the maximum cash back with supplementary cards.
My CL is still more than RM 20k. Maybe I will need to call to reduce as well.

This post has been edited by fruitie: Sep 29 2016, 09:57 PM