CREDIT Card Thread v2, Everything about the world of plastic
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 Jan 3 2008, 03:54 PM
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#1
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Junior Member
343 posts Joined: Nov 2007 
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QUOTE(Chester @ Jan 2 2008, 08:37 PM) Quick question. Any benefit of taking OCBC Platinum Robinson's card? i am of the opinion that ocbc malaysia has totally 'cheapened' the prestige of platinum by offering this card. the income requirement isnt even half of what other banks demand to be platinum cardholder. what a shame. |
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Jan 3 2008, 05:36 PM
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#2
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Junior Member
343 posts Joined: Nov 2007
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QUOTE(myusername @ Jan 3 2008, 05:28 PM) Ok allow me to clarify this once and for all. I just went to CIMB just now, application form in front of me now. 48k as min income requirement? this robinsons platinum will be the joke of the wannabes.Platinum, Gold, Classic, all free for life for CIMB Mastercard (NOT DA) Platinum Supplementary also free for life Gold and Classic Supplementary free for 1st year only Exchange rate is determined by Mastercard International + NO administration cost  Added on January 3, 2008, 5:31 pm If you're asking about the OCBC Robinson's Platinum, as I mentioned before it's just 48k  |
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Mar 8 2008, 12:01 AM
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#3
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Junior Member
343 posts Joined: Nov 2007
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There are so many platinum credit cards available today in malaysia and i need help to choose. Please share your experience using platinum credit cards issued in malaysia. Note: Amex Platinum Charge Card does not apply.
Among the banks offering Platinum Credit Cards today: 1) CIMB 2) Maybank 3) Public Bank 4) RHB 5) Hong Leong Bank 6) AmBank 7) EONBank 8) MBF 9) Citibank 10) HSBC 11) OCBC 12) UOB 13) Standard Chartered |
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Mar 8 2008, 11:30 PM
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#4
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Junior Member
343 posts Joined: Nov 2007
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Of all the platinums on offer, the one bring down the standard most is OCBC Robinsons Platinum card. you can get it even if your salary hardly reaches 4,000. Such a disgrace!
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Mar 10 2008, 10:29 AM
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#5
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Junior Member
343 posts Joined: Nov 2007
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i think at the moment, the most respectable platinum credit card in the market is the hsbc visa platinum. annual income requirement still as high that is RM 150k per annum. if charge card were to qualify, it is definitely american express platinum. that card when it first reached malaysia has a requirement of RM 300k per annum. now reduced to RM 190k per annum. that card you can really feel the platinum privileges!
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Mar 12 2008, 11:13 PM
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#6
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Junior Member
343 posts Joined: Nov 2007
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petronas is quite smart in choosiing their strategic partners for its credit cards. they give to maybank for visa cards and cimb for mastercard. do you realize that? quite smart right. that way both banks get their business.
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Mar 14 2008, 10:40 AM
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#7
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Junior Member
343 posts Joined: Nov 2007
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when it comes to credit limit increase, the banks would normally increase (without us having to ask) judging from our spending and payment pattern. if you spend a lot and keep paying only 5% monthly, that doesnt score much on their credit rating. you must pay at least 30% of your remaining balance.
of all banks, i find hsbc is quite flexible in increasing credit limit. last year i have salary adjustment of RM 2000 and they increase my limit by another RM 6000 in addition to my existing limit. once in awhile, show them you are able to afford to pay by paying your bill in full. |
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Mar 15 2008, 02:03 AM
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#8
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343 posts Joined: Nov 2007
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QUOTE(ronnie @ Mar 14 2008, 10:49 AM) So if you always pay in full, the increase of limit should be given OK easily ? definitely. that shows you have the capacity to pay. |
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Mar 17 2008, 10:36 AM
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#9
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343 posts Joined: Nov 2007
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QUOTE(siutimtim @ Mar 17 2008, 09:48 AM) why hsbc platinum like very dull... no diamond shining like other platinum ? platinum word also so small and ugly.. looks macam ONE platinum..haha i like it this way. better. when i use my maybank visa platinum, the writing is so big it attracts unnecessary attention. what for? and hsbc's platinum is black colour. nice!Added on March 17, 2008, 10:37 am QUOTE(David83 @ Mar 16 2008, 11:50 PM) From my experience with HSBC, there's no integrity of information across the credit card division. So beware of it. please explain.This post has been edited by mrcloud9: Mar 17 2008, 10:37 AM |
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Mar 17 2008, 11:38 AM
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#10
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343 posts Joined: Nov 2007
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QUOTE(siutimtim @ Mar 17 2008, 11:03 AM) UOB visa platinum is more simple.. black and only platinum word.. I think hsbc is the only platinum card without the diamond shining color... except the UOB ONE plat card hsbc platinum has elegance in its simplicity. if you notice foreign banks like hsbc and citibank, their platinum cards are quite simple. hsbc's platinum card before they relaunch the whole new design last year looks exactly like the classic card with only the writing PLATINUM below the hsbc writing. like others said, you dont need to showoff if you have it. looking at the black colour of the card tells a lot. i dislike those cards with very big P on it. very flashy and distasteful. why so low class make the card.. I thought u guys say hsbc very high class ?  requirement is rm150k, lower cant apply ? Added on March 17, 2008, 11:38 amcould any of you share your platinum card experience? im planning on cancelling some of my cards. i need your input to decide which ones i should maintain. This post has been edited by mrcloud9: Mar 17 2008, 11:38 AM |
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Mar 17 2008, 09:43 PM
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#11
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343 posts Joined: Nov 2007
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QUOTE(siutimtim @ Mar 17 2008, 03:20 PM) wah... why so big different for 2 bank? My friend say they will follow other card limit correct ? RM35k for gold then normally platinum how high? generally platinum limit is above 50k as far as im concerned. but i know a few people who have limits in the region of rm 200,000. but with banks lowering the income requirement for plat cards, i wont be surprised if there are plat cards these days with limits as low as RM 20,000.need how much income only can get more than 10k credit ? |
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Mar 19 2008, 10:53 PM
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#12
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Junior Member
343 posts Joined: Nov 2007
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it is a great insult to deserving platinum cardholder with this uob one platinum card. nowadays, there are just so many platinum cards around from many banks.
but one thing for sure, the american express platinum charge card is still able to snub them all. be it citibank or hsbc or maybank, no other platinum card is as prestigious as amex platinum in malaysia. |
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Mar 20 2008, 09:24 AM
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#13
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Junior Member
343 posts Joined: Nov 2007
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QUOTE(siutimtim @ Mar 19 2008, 11:42 PM) My cousin say platinum card requirement in singapore is same like gold card but annual fee different only.. soon malaysia platinum will be like singpaore also maybe worse. like i said hsbc's platinum should still command reasonable respect. so for now the ultimate platinum to have in malaysia is the american express platinum charge card. income must be at least RM 16,000 monthly and at least a six figure bank balance is a must to get approval. failing to satisfy these criteria they may demand you to produce FD certs of at least RM 1 million in order to have it.my research.. platinum card : min income per month uob ONE plat - RM1500 ocbc robinson - RM4000 standard & rhb - RM5000 cimb, eon , ambank - RM6k plus alliance & maybank - RM10k hsbc - RM12k plus... |
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Mar 20 2008, 07:54 PM
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#14
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Junior Member
343 posts Joined: Nov 2007
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QUOTE(hye @ Mar 20 2008, 10:15 AM) Impressive but this is a thread for credit card not charge card. The card you mentioned is a charge card. very well. hsbc is the one to sought then. |
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Mar 22 2008, 10:48 AM
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#15
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Junior Member
343 posts Joined: Nov 2007
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for the moment maybank and citibank are the largest credit card issuer in malaysia. i see so many people have citibank credit cards that i dont think it is exclusive.
Added on March 22, 2008, 10:49 amdo you all know anyone who has the RHB Bank Visa Infinite credit card? it is black in colour and higher than platinum. Annual income required when it was launched was RM 380,000. Credit limit starts at around 200k. I saw once someone use this card. This post has been edited by mrcloud9: Mar 22 2008, 10:49 AM |
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Mar 22 2008, 12:30 PM
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#16
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343 posts Joined: Nov 2007
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QUOTE(hye @ Mar 22 2008, 11:43 AM) Citibank (and also StandardChartered, HSBC) is well recognized if you use it overseas. To be fair to be fair actually all credit cards are accepted overseas but sometimes being recognized has its privileges. My experience with Citibank is good when it comes to handling transaction disputes - during the "petrol station fraud crisis" they accepted all my transaction disputes with minimal hassle. All my other cards at that time (including UOB) asked me to put up a lot of evidence and justifications to support my claims. I got all of them disputed in the end but Citibank gave me the least problems. Which... HSBC Premier?Never saw anyone carry the RHB Visa Infinite although I would sure love to own one. Agreed that the design for this card is cool. Wish that HSBC Premier also have equally cool design (Platinum design is better unfortunately) - similar to VISA Infinite, this HSBC card is higher than Platinum and carries a whole lot of other privileges. Not everyone can own this card - your income need to justify it. Added on March 22, 2008, 12:31 pm QUOTE(hye @ Mar 22 2008, 11:43 AM) Citibank (and also StandardChartered, HSBC) is well recognized if you use it overseas. To be fair to be fair actually all credit cards are accepted overseas but sometimes being recognized has its privileges. My experience with Citibank is good when it comes to handling transaction disputes - during the "petrol station fraud crisis" they accepted all my transaction disputes with minimal hassle. All my other cards at that time (including UOB) asked me to put up a lot of evidence and justifications to support my claims. I got all of them disputed in the end but Citibank gave me the least problems. youre right about being recognized with these foreign banks credit cards. i agree.Never saw anyone carry the RHB Visa Infinite although I would sure love to own one. Agreed that the design for this card is cool. Wish that HSBC Premier also have equally cool design (Platinum design is better unfortunately) - similar to VISA Infinite, this HSBC card is higher than Platinum and carries a whole lot of other privileges. Not everyone can own this card - your income need to justify it. This post has been edited by mrcloud9: Mar 22 2008, 12:31 PM |
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Mar 22 2008, 01:23 PM
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#17
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343 posts Joined: Nov 2007
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my cousin applied for a card when she was 2 months away from 21st birthday and got declinded. when she turned 21, she applied for maybank and they gave her gold card with 8k limit.
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Mar 23 2008, 10:30 PM
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#18
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343 posts Joined: Nov 2007
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QUOTE(danlhct @ Mar 22 2008, 08:52 PM) Today I just applied an EON Bank Mastercard Platinum from their branch, the sales staff wants me to support them. They are having promotion now, on-the-spot-approval. They told me will inform me by today and let me know whether my application is being approved or rejected. But till now have not received any call yet. which branch you went? |
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Mar 25 2008, 12:43 AM
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#19
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343 posts Joined: Nov 2007
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Maybank has just introduced its American Express Platinum Credit Card. Annual income requirement is RM 130k. The card looks like Amex Platinum Credit Card as issued in other countries. The privileges look quite exciting!
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Mar 26 2008, 09:01 PM
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#20
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343 posts Joined: Nov 2007
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only citibank offers separate limit to its mastercard and visa cardholders. so, normally the agent would suggest you to apply just the visa. after about a year if your payment and spending pattern is good, they would offer you a mastercard with similar limit. so this way, you get double limit!
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