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Credit Cards AmBank Credit Card V3, Free for life card, PPL access with T&C

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tan_aniki
post Dec 14 2019, 01:17 AM

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QUOTE(cucikaki @ Dec 14 2019, 12:58 AM)
rhb can. just use the secure mail and request for sst rebate. they will ask u to spend 3 times using PIN of any amount within 3 or 7 days, then they will give rebate within 3 months. i successfully requested for the 2nd year.
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Anyway im gonna cancel my rhb on 3 Jan before they charge me SST on 4 Jan and see they gonna offer me anything or not
watabakiu
post Dec 20 2019, 01:08 PM

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QUOTE(Tham @ Dec 8 2019, 08:05 PM)
For those of you holding Ambank credit card, how are
your interest charges ?
Since that announcement in early August 2019 that they
were revising the way they calculate interest starting from
October 2019, my interest charges have increased more
than 50 percent since my November statement.
I was thinking of switching to Hong Leong or Public Bank's cards,
but it seems they and several other banks have increased their
interest charges as well.

They are likely to be following this Bank Negara directive -

Unpaid Credit Cards Balances Wlll Soon Incur Interest on Finance Charges Too
The Ambank announcement in August is attached.
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reason behind the new directive was to 'encourage cardholders to pay on time'. alloo if they have the means, they would have done it! and now they'll be burden for the additional fees based on the new calculation, and harder to pay full further
eddievh
post Dec 20 2019, 06:26 PM

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QUOTE(watabakiu @ Dec 20 2019, 01:08 PM)
reason behind the new directive was to 'encourage cardholders to pay on time'. alloo if they have the means, they would have done it! and now they'll be burden for the additional fees based on the new calculation, and harder to pay full further
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Bank becomes more aggressive licences ah long these new rules.
fruitie
post Dec 20 2019, 08:05 PM

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QUOTE(watabakiu @ Dec 20 2019, 01:08 PM)
reason behind the new directive was to 'encourage cardholders to pay on time'. alloo if they have the means, they would have done it! and now they'll be burden for the additional fees based on the new calculation, and harder to pay full further
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That's how banks earn money.. If not how to sustain and give promos to other users?
sg999
post Dec 20 2019, 09:21 PM

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My application just got approval on today.
fruitie
post Dec 21 2019, 08:19 PM

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I just noticed True Visa CB is already in since 19th, my first CB since I got the card in Nov. tongue.gif

SST was charged right after I activated the card and based on numerous feedback here that SST rebate won't be granted, so I save my energy to call to request. Just assume I only got RM 5 CB after offset the SST. laugh.gif
rahtid
post Dec 21 2019, 09:01 PM

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QUOTE(fruitie @ Dec 21 2019, 08:19 PM)
I just noticed True Visa CB is already in since 19th, my first CB since I got the card in Nov. tongue.gif

SST was charged right after I activated the card and based on numerous feedback here that SST rebate won't be granted, so I save my energy to call to request. Just assume I only got RM 5 CB after offset the SST. laugh.gif
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i just got my TRUE VISA early this month, are you not eligible for the RM 25 cashback promo by activating and spend on your cc?

https://www.ambank.com.my/eng/promotions-pa...mBankCreditCard
fruitie
post Dec 21 2019, 09:15 PM

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QUOTE(rahtid @ Dec 21 2019, 09:01 PM)
i just got my TRUE VISA early this month, are you not eligible for the RM 25 cashback promo by activating and spend on your cc?

https://www.ambank.com.my/eng/promotions-pa...mBankCreditCard
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According to T&C, I'm not considered as a new cardholder, I have just cut tie with them in March and rejoined back in November. So, I'm not eligible for the promo, I guess.
watabakiu
post Dec 21 2019, 11:55 PM

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QUOTE(eddievh @ Dec 20 2019, 06:26 PM)
Bank becomes more aggressive licences ah long these new rules.
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QUOTE(fruitie @ Dec 20 2019, 08:05 PM)
That's how banks earn money.. If not how to sustain and give promos to other users?
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but the "okay, proceed" came from BNM.... not a move in the right direction to get ppl less in debt?
GigaX88
post Dec 22 2019, 12:02 AM

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Dear Sifus,

Q1) If I apply Ambank cc by this Monday (23rd Dec'19), would I still have big chances to catchup on the “Can’t-Say-No-To Cashback Up to RM500” campaign? For being approved before 31st Dec'19?

Q2) If unfortunately only get approved after 31st Dec'19, can I choose to not activate the credit card and apply in next cc campaign as "New-To-Bank" customers?

Appreciate for sifus advise.
fruitie
post Dec 22 2019, 12:02 AM

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QUOTE(watabakiu @ Dec 21 2019, 11:55 PM)
but the "okay, proceed" came from BNM.... not a move in the right direction to get ppl less in debt?
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I think self-discipline is important, with or without such new regulation, there will be still individuals who will owe money anyway. Not to say I'm bad, but sometimes I thank these people for making credit cards business sustainable.
SUSGodTier
post Dec 22 2019, 07:02 AM

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For world master tier, the Hilton dining thing how to activate?

Seems like Hilton puchong knew I am wm ambank holder though, I used agoda to book and other card to pay, but the reception like extra friendly/explaining, calling my surname for 200 ringgit room lol


SUSGodTier
post Dec 22 2019, 07:42 AM

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What does it mean by full price?

If I pay through Skyscanner + 3 party app other than air asia app or non airline app, still cover or not?

Can explain the travel insurance?
wjleong15
post Dec 22 2019, 11:55 AM

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QUOTE(GodTier @ Dec 22 2019, 07:02 AM)
For world master tier, the Hilton dining thing how to activate?

Seems like Hilton puchong knew I am wm ambank holder though, I used agoda to book and other card to pay, but the reception like extra friendly/explaining, calling my surname for 200 ringgit room lol
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first year free
30k spending renewal
else 350 annual fees starting 2nd year
cenkudu
post Dec 22 2019, 12:05 PM

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which one is worth for new Ambank sign up? spend 2k using ambank bonuslink or true visa? bonuslink get 5k bonuslink points plus the RM 200 welcome cashback whereas true visa get RM 30 cashback plus the RM 200 welcome cashback.
fruitie
post Dec 22 2019, 12:07 PM

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QUOTE(cenkudu @ Dec 22 2019, 12:05 PM)
which one is worth for new Ambank sign up? spend 2k using ambank bonuslink or true visa? bonuslink get 5k bonuslink points plus the RM 200 welcome cashback whereas true visa get RM 30 cashback plus the RM 200 welcome cashback.
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It depends which one you will use? I will use True Visa more, so got that eventually.
skty
post Dec 23 2019, 01:42 AM

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those who are using ambank bonuslink card, what's the latest bonuslink pts for every RM20 reload into BigPay / Boost?
JetHung
post Dec 23 2019, 09:32 AM

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QUOTE(fruitie @ Dec 21 2019, 09:15 PM)
According to T&C, I'm not considered as a new cardholder, I have just cut tie with them in March and rejoined back in November. So, I'm not eligible for the promo, I guess.
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I'm NTB and got my True Visa on Nov.
11 Nov - RM1000 Spend
01 Dec - RM1000 Spend
19 Dec - RM30 Online Cash Back

I guess I'm eligible for the promo, right?
fruitie
post Dec 23 2019, 11:28 AM

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QUOTE(JetHung @ Dec 23 2019, 09:32 AM)
I'm NTB and got my True Visa on Nov.
11 Nov - RM1000 Spend
01 Dec - RM1000 Spend
19 Dec - RM30 Online Cash Back

I guess I'm eligible for the promo, right?
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Rightfully yes, just ensure you fulfill what is required in T&C.
cenkudu
post Dec 23 2019, 05:21 PM

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QUOTE(fruitie @ Dec 22 2019, 12:07 PM)
It depends which one you will use? I will use True Visa more, so got that eventually.
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I have both actually. If Bonuslink you get 5000 points welcome bonus with RM 2K spend and on the other hand True visa will get RM 30 cash back. Both are good eventually!



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