i'm using citibank, hsbc and direct access

so far, i think citibank provides u with the best service and constantly updated promotion.. and their online service is top notch

hsbc less better, but they give it to me free for life so i just keep it for emergency purpose

direct access is crap really... occasionally have trouble validating the card.. and eventhough it's free for life, i'm still gonna cancel it soon coz i don't have any use for it and i need space in my wallet for other cards...

hsbc gives free for life if u work in some companies... they say it's a corporate package..

i'm gonna cancel direct access card and get a maybank-petronas card ... it's free for life too and maybank got many promotions as wel