Where do you pay to? If can try not to pay through PayPal as you will get charged 0.8% cross border fees & if you buy in other currency, the exchange rate is terrible.

This post has been edited by wonderor: Jul 11 2016, 06:35 PM

Yes you do get cash back with PayPal.

In fact, CIMB CR has one of the lowest exchange rates compared to other cards. Proven by few members and myself.

This post has been edited by fruitie: Jul 11 2016, 11:00 PM

so I only compare CIMB Master with Maybank AMEX, seems like CIMB are better rate.

Is it possible to use cash advance and then balance transfer to other card? Yes charge rate is high but lower than personal loan, i got one emergency coming but still thinking about it if possible or just borrow from parents/friends

Lower than personal loan? You get chopped up front even before you get any money! Say you need 20k, you pay 5% (if I'm not mistaken) upfront, meaning 1k, and then you get charged interest daily.

Never do cash advance, it's really not worth it. Better to swipe the expenditure and then balance transfer, at least no up front haircut.

Also you cannot BT out cash advance. Never step into the black hole of cash advances.

Mostly cinemas i guess...

How about uber? Is uber consider as online spending??

Make it a habit to check the first post...

Movies, straight pay from their online system, also entitled.

Uber used to but these days random, so try your luck ya.

Which is the best CIMB card for overseas and local airport lounge access sifu?

well i did check the first post before i asked anything. it only states all the MCC and numbers which i have no idea what is it, thats why i ask :/

Post in recommendation thread. Honestly, among all CIMB cards, CIMB CR is the best. The rest are not attractive.

CR got no premium lounge access at airports.

Btw, all CIMB credit cards have a 10% discount for purchases at some Duty Free Shops selling liquor and ciggaretes in KLIA.

Like what Fruitie has replied, other than CR, there is no other 'good' card from CIMB.

If you don't mind other banks' card that can meet what you need, you may post a query following the standard format at https://forum.lowyat.net/topic/3644347

I already have few cards for PPL access. CIMB CR is for other purpose.

Well Signature and higher ranking cards get 15% discount actually.

My PBB Visa Signature didn't get me any discounts there.

You know it well, promo is for CIMB cards only. You mentioned "all CIMB credit cards", I was merely correcting you that Signature level and above get 15%. Obviously I was referring to CIMB Signature and higher ranking cards. Moreover this is a CIMB thread, if it's for other banks, I will mention the bank's name here.

This post has been edited by fruitie: Jul 12 2016, 10:05 PM

Oops.. got a bit disillusioned here.