hye,
If you checked their website carefully, you will notice that there are inconsistencies. Some pages do indicate a minimum credit limit of 20k for Mastercard Plat and 25k for the Visa equivalent. Previously the min limit was 40k.

tinkerbel,
I have no problems accessing RHB's web page(with both firefox and IE), just that some inconsistencies regarding the credit limit and some other stuff.

Gen-X,
RHB's platinum card comes with Priority Pass, (which costs USD99 /yr - from the website). Even though the bank may get cheaper rates for the annual fees, still it will cost them to renew your pass yearly. I guess that's why they refuse to waive it totaly. Perhaps you didn't charge much to your card during that year.



This post has been edited by thtan: May 19 2008, 10:45 PM

@thtan,
I couldn't link into their Consumer Banking page earlier but I did manage to get onto the site hye provided and navigate through it

The conversion rate is supposed to be governed by the Mastercard/VISA. However, banks like Citibank charge additional administration fee on top of the conversion rate. Citibank states 1%, there are banks that charge 2%. With respect to exchange rate, Direct Access cards is one of the best. Cancelled my DA card because I'm simply too lazy to transfer my money to CIMB to facilitate the payment. RHB's rates seems quite reasonable, I had actually made some money(from exchange rate difference) when claiming for expenses from my company. Never did compare DA to RHB's rate before, so I don't know which is better.

Some of you guys have dozens of cards, do let me know which is best.

This post has been edited by thtan: May 19 2008, 10:53 PM

I did say i m not against any bank. perhaps different ppl has different standard on customer service , suits urself.

I do.

I never knew Citibank rates was 1% on top and before this I did try to look for this info but they never did indicate the actual percentage. MBF (If I remember it correctly), charges 2.5% as administration fee on top of the conversion rate.

And when you mention RHB and DA - what would be the admin rates ? Or you are referring to the conversation rates?

Anyone here knows what is HSBC admin rates (if any) are and the competitiveness of their conversation rates ?

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Added on May 19, 2008, 11:12 pmOK guys .... let's break it up. Enuff on the topic please ?

I'm also very particular these days about CS but it's a large credit card market out there. Different people would have different expectations on things, that's normal and it's a normal human tendency. If you don't like a particular bank for one reason or another, just cancel the card. Over the years, only AEON is the credit card that I'll never return to. As I mentioned before, it took me 2 cancellations with HSBC before I actually liked them.

I have applied for SCB for 3 times before finally getting my approval from them. In the end, I still cancel the card despite they offered to give me a Platinum card but without a credit limit upgrade, I couldn't see why I should say yes + the T&C acceptance of the Platinum card requires me to keep the existing Gold card. Emm ... I don't think so. I probably would have said yes to a VISA (Which give me access to the PriorityPass) but they offered me a Mastercard.

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Added on May 19, 2008, 11:14 pmYeah ... I think I saw this too. Now I remembered my friend reason for applying for RHB's credit card. He got disappointed with the bank's offering and initiated the process to cancel the card.

This post has been edited by hye: May 19 2008, 11:14 PM

As far as I know, both RHB and DA does not charge admin fees for overseas transactions. RHB's call centre claims they use the current TT/OD Selling rate. For DA, honestly I don't know, you can call DA hotline anyway.

This post has been edited by thtan: May 19 2008, 11:17 PM

Yes, you can do own CCRIS check at any BNM branches around Malaysia. Remember bring original MyKad. It's free.

If you still holding MyKid... no need check lah.

It's a strategy. Gold card holder are asking for free waiver. Too many already, you throw a stone into a crowd, most likely you'll hit a gold card holder (or maybe two). No waiver means cancel card.

The way to go is to promote platinum and charge for the premium image for those who not actually qualified for 120k-150k requirement, but due to their spending pattern and payment, are allowed to be platinum

With the proper receipt/bank in slip, you can lodge a claim/report with BNM. I did once with StanChart, but it was due to home loan interest error by the bank system itself.

All banking and insurance must comply with BNM rules & regulation. e.g.

Just remembered my friend also has problem with HSBC. Applied CC and request to send to office (as no one at home), after two reminders, they still send to home and got diverted to PosLaju brickfields (at that time). In the end have to drive all the way there to collect it.

DA dont have charge for overseas transaction....i have used in Bali and Phnom Phen....there no charges on the credit card....just convertion...

I don't recall paying any additional charges for the transaction I made whilst in Hong Kong using my Citibank Clear Card. Then again, I didn't swipe too large an amount *gulps* but when I did the conversion, I didn't think there was a great variance to the currency exchange

I also didn't pay any additional charges for UOB, which is my primary card when I'm overseas

This post has been edited by tinkerbel: May 20 2008, 10:21 AM

I believe they already include the charges inside the convertion rate. As you can find out, the rate is sux.

@g00glesYYl,
The rate I paid was quite 'standard', just a lil higher than what I would have paid if I used cash

The Priority Pass by RHB and SC Visa Plat sounds like a handy thing to have.

What special features do other Plat cards offer? Anything that stands out?

@jchong,
Other benefits are basically 'across the board'

That's what I thought. Mostly they are the same, but then again there might have been a special feature I missed out (like the Priority Pass). So I thought I'd ask.

Looks like it boils down to which has good points redemption, no annual fee and reasonable customer service. I'm leaning towards the DA card.

@jchong,
I don't use DA as my primary card but thus far it hasn't failed me. I've not contacted the CS either so can't comment on their service. Oh, also when u dont' spend on the account, U don't receive a bill at the end of the month

Which do you use as primary? For me it's MBB (because of good points redemption).

HSBC also the same.

My primary CC is MBB (both Visa Classic and Petronas Visa).

@jchong,
I use Citibank as my primary card; am thinking of switching but all points are on that account so am aiming to use it for a couple more months, get sufficient points for that luggage travel bag and switch to HSBC or UOB.

Surprisingly, I received my HSBC Statement of Accounts for $0.00 last month. As I'm new with them, I thought they send out statements on a monthly basis regardless of spending or not

yes. i did not received my DA statement since no transaction.

OCBC as well.

you still want HSBC? perhaps yewkhuay have not tell his story to you.

UOB is my main primary card now.

I've been with HSBC for several years. In the past they did send out monthly statement regardless of spending. Then some time last year I notice they stopped sending statement for zero balance.

Perhaps as a new user they will send you a few statements first even if zero balance.