As far as I know, exchange rate for the cards is determined by VISA/Mastercard International and then the banks add a little for administrative fees. (Some openly say they impose but most of them do not say it upfront) I suggest you hunt for online coupons to get a better deal

What you intended to have with the new cards? Annual fee waiver?

In term of privileges and merchants affiliation, Citibank and HSBC are the best. You're looking for gold card?

Recommend to him Direct Access lah....

haha...

then get a Citibank choice card lol.... 

http://smartconsumerbanking.com/

got info about Shell Citibank.

I think Clear card is better. The design is semi-transparent and it's quite similar to CIMB DA.

The reason I don't want Citibank is hard to make payment.

The reason I want to cancel off my HSBC is because they're relocating their Bayan Baru branch.

The reason I applied for CIMB DA is free for life without condition.

The reason I'm still holding my MBB Visa is because I got an attached 0% EPP and it's easier to make payment using M2U.

u will never understand it...

i got my card additional words on it...beside my name hehe...

it's normal.
im also get the gold card after been using for 10 months which im hardly using beside every month pay 3 bills.

at 1st, i din bother about it, just put it aside, did not call for activation. but soon, i received a call from Citibank staff, and she/he will asking whether u received ur new upgraded card, and will persue you to activate the new card.

tht time was near CNY, i saja said i need to use my card to pay my bills online, and dun wan to susah-payah to re-create a new online account again. so she said will call back after CNY 1 week later.

and she called back. and she keep pushing me to activate the card. since she said so good n so much of benefits, im eventually activate the new upgraded card.

so see how u playing around with the citibank staff. see whether u can defeat them o not, if you got the time to play around. haha.

Ya definitely need luck.......my dat colleague manage to get her card already (both of us with same income as we'r still new in company). juz now called up HSBC.....gosh    still working on labour day.....they say that my application was decline........i did ask them y........izzit the verification blablabla......but somehow he said actually no problem with my application (i guess he repeats dat for all case), and will file an appeal for my case.

Anyway, i already lazy to bother about this, after being rejected by citi and this HSBC...........just like wat u say depends on luck. just hope my DA and Ambank application will not end up like dat.

Generally whichever tactic you use, it'll work if the bank feels that you have been spending actively or a huge spender but more importantly being able to post payments promptly and to use your credit limit wisely.

Try to make another follow-up on the matter. They probably did not process your annual fee waiver - if still no answer just terminate your card. Maybe that'll attract their attention and maybe it'll not.

Just don't get upset and just apply another card before canceling MBB's. I can tell ya that service level fluctuates in a bank - some days they are good and some days they are not. This applies to both local and international banks. Remember the credit card market is competitive these days - you don't have to worry about getting another credit card if you are not happy with your current one.

But my experience on reversing the annual fee with HSBC is being taken care fast; I think within one week from the date it was charged.

yah.i buy one notebook finish already.that day hsbc one offer me 30% higher credit

wah.. rm40k credit? you put fix deposit in the bank? my only rm4k

RM40k is plat card is it? you got hsbc plat card?

yeah. found the promotion.

"Drive Away A BMW 320i, BMW 523i Or A BMW X5 3.0si With UOB Credit Cards"

now i need to pump RM50 minimum petrol or spend RM50 minimum to get 1 entry.