cimb have limited local lounge pass but unlimited lounge access for selected countries such as thailand, singapore, indonesia.
but ambank have unlimited local lounge access.
both cards are free for life.
take these 2 and you are almost set for all airport lounge need.

for overseas travel probably need another card then. kakaka.

as mentioned b4, cimb preferred visa infinite is indeed free for life. no min swipe required for lounge access but limited to only 4 per annum. neighbouring countries though are unlimited i.e. singapore, thailand, indonesia.

ambank is supposedly free for life too. no minimum swipe. used it a couple of times without ever charging the card even once to gain access to lounges. and that's to bring my +1,2 & 3 in. lol. myself i use my cimb card to get in. go figure. thankfully no charge.

so i guess for cheapo method, getting both these cards for airport lounges work wonders. ambank for local lounges, cimb for neighbouring lounges. for more coverage on international lounges, probably need the uob prvi card or citibank card for more access

sorry, i am a cheapo. maximising cards for free access without any spendings.

very nice.
i never get any single thing at all ever.

not a festive card, not a hamper, not even ang pau packets.

duh!

transition of rm time, it was quite some time and i called up centre asking who is my rm. the response was a classic.

"so sorry sir, there's no rm assigned to you. it would seems there's an error in the system hence you did not receive anything for the past 1+ year because the system did not assign anybody." lol

guess they detected my constant cheapo abuse of their loopholes and they pull a fast one back on me.

oh yeah been meaning to add but forgotten.

remember the almost cimb/rhb merger that did not materialise.

who knows that this rhb/ambank merger will be called off again too?

lol.

ambank have been quite innovative of late.
their car financing is pretty strong in the market.
rhb have been superly boring the last few years or decades. nothing exciting at all.

jeles.
can i be a +1 kah?

let me be the judge of that.

after repeated haggling by tiger bank, finally moved my butt to join their "wealth" status, previously known as aspire.

no welcome gift.
although RM seems enthusiastic enough.

pushing for an endowment plan that seems quite interesting though.

capital of say RM32k per annum for 6 years.
first 6 years get RM4k per annum.
subsequently next 14 years get RM8k or so.

anyway long story short, pay total of 32kx6 years = approx 192k

get back over 20 years period = 142k interest guaranteed

insurance if unclaimed, 50k guaranteed at end of period or balance left if there's claim
unguaranteed bonus estimates rm90k at the end of period.

so guaranteed return = 192k (total return) / 192k (total vested) / 20 years
5% p.a?
better than fd if one discount the compounding interest effect.
but again they give rm8k yearly by year 7 with total capital of rm192k, still approx 4% already.

bonus is on the unguaranteed bonus?

good deal kah?

and really dissapointed that there's no welcome gift.

the only non guaranteed portion is the 90k.
guaranteed return is 4x6 + 14x8 + 50 = 186k

186k/192k / 20 years = 4.8%

thanks for all the response.
give it a pass then.

lol.

not assistant branch manager meh?

anybody care to share their freebies being a priority customer of their respective banks.

i used to remember that someone constantly received annual free gifts from their RM here.

please share share to encourage us to migrate to those banks.

I had a similar experience previously. Security barred me from going in despite it is still 5 minutes before time’s up.
Frustrated I emailed a complained and they apologise after viewing the security tape. Lol

is hlb any better than the others? how is the experience like?

Mind sharing the differences?
I think I qualify for hlbb but have declined their invitation few years back.
Rethinking of applying it and seeking forummers here whether it’s worth joining Hlbb priority?

does hlbb really offers free deposit box to priority customer?