@tinkerbel,
For CIMB (via entry to CLUB CIMB), I can't see a similar availability for a Complementary Card but instead they offer a pre-approved CIMB Enrich Mastercard Platinum. The requirements for CLUB CIMB would be ...

Individual depositor with a credit balance of RM150,000 and above.
Individual Unit trust investor with an investment amount of RM100,000 and above purchased through the bank.
Individual mortgage customer with a good track record and facilities of RM500,000 and above.
New mortgage customers with facilities of RM500,000 and above.
Individual holding a credit card with a limit of RM75,000 and above with good track record.

However, if you were to dig further into the card Q&A, it mentioned about the a chargeable annual fee of RM388 p.a. for Principle and RM198 p.a. for supplementary cards.

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Added on May 7, 2008, 11:30 pmI got many nice toiletries bag from my trips. (I get to stay many nights ?)

This post has been edited by hye: May 7 2008, 11:30 PM

Yeah DA cards are good enough actually. The only downside is their reward system sucks

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Added on May 7, 2008, 11:40 pmJust trying my luck ... (Still queuing)


This post has been edited by hye: May 7 2008, 11:40 PM

Only if you are a Platinum card holder. Gold card holder points last for only 1 year.

@tinkerbel .... there's nothin wrong with your points statement

My mistake.

Probably yes ... as you said yourself, DA only has Gold & Platinum.

Citibank recently increased my credit limit as well but it was a good 2 year lapse since the last upgrade. I knew about it when I logged into my Citibank Online system and a few days later the official letter came.

Paying more taxes is one of the drawbacks of earning more. And if you noticed, your maximum deduction (Tax calculation purposes) for EPF is only RM6K and then any extras is not counted - I think this is not fair as you are already paying a lot of taxes already at the end of the day.

Correct me if I'm wrong but Direct Access eligibility starts from income of RM36K per annum (They have no classic cards). His best bet would be CIMB Petronas cards I think.

The first page is a good starting point if one were to learn about credit card and wanting to get one for the very first time. But one need to put in effort as well to read the threads, if everyone comes in and take the easy way and just ask "What's the best credit card? Best in credit limit, rewards, etc ..." - then it defeats the purpose why this forum exists. I'm just being honest about this point, no offense to anyone.

The credit limit can go to as low as RM3K from what I heard. Seriously, any seasoned credit card user would say that using a credit card is all about the ability to control your own spending and avoid compulsion. If getting a very high credit limit is all one's target, I fear disaster could happen if one does not understand the responsibilities of owning a credit card.

This post has been edited by hye: May 10 2008, 11:56 PM

MBB Petronas card is one of the hottest credit card in town and this led to long queues. Actually there's no such thing as card upgrading - it's as good as you applying for an additional card and then you still need to cancel off the old card.

BTW ... you didn't say where and how did you apply for the card. I sent my application to the bank directly (I went to the bank) and it still took me a good 1 month plus (about so) before my card arrives.

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Added on May 11, 2008, 12:05 amMy friend ... I think you need to add in clarity to your questions further. I read your question a few times and although I think I know what you mean ... I'm worried I may get the translation wrong.

This post has been edited by hye: May 11 2008, 12:05 AM

I suggest you ignore it. It's just a method for them to gain your personal information.

@tinkerbel

It's the same thing for me as well. To be fair, they just recently upgraded my credit limit but nevertheless it's still lower than most of my cards.

This post has been edited by hye: May 11 2008, 10:21 AM

I kindof agree with ya. Makes the CIMB Petronas card looks impractical in some way because you are only limited to Petronas service stations + you can't earn additional points from your purchase. CIMB DA cards allows you to benefit from all petrol stations.

On one hand, it's kindof weird for CIMB to allow its own product (CIMB DA Mastercard) to kill another product (CIMB Petronas card). The way I'm reading it is, it's probably a strategy to counter Maybank Petronas cards which is one of the hottest credit card at the moment.

This post has been edited by hye: May 11 2008, 06:42 PM

@siutimtim
I think what she meant was she was earning that much when she first had her Citibank card. (I don't think it's a Platinum card) After many years of working, she's now applying for a Citibank Platinum card. (UOB One card did not exist a few years ago.)

I do agree that the dual card policy is kind ridiculous since the consumer should be given a choice on which card they want to use. The Mastercard Plat design is seriously "undesirable" - looks like a normal silver card with the exception of the large "P" smacked on the card. If you look around - most banks in Malaysia use the same design for their Platinum card (with slight variation) and I felt that this slightly dilutes the exclusivity of the card coz all the cards looks almost the same.

A veteran credit card user would probably prefer to use 2 banks to backup each other during travels.

Well ... the Premier Mastercard does carry some weight and recognition on its own. To those who recognizes the card, it's something that they would dream to have. If I were to own it, I don't mind the low profile that the card portrays (although I don't mind a better looking card like the VISA Infinity) - so long I have one.

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Added on May 14, 2008, 8:43 pmI know someone who has a MBF Platinum card and the limit is less than RM20k.

This post has been edited by hye: May 14 2008, 08:43 PM

Wait a minute, DA only have 2 type of cards which is Gold and Platinum. What do you mean when you got a Classic card ?

Emm ... can't find a definite difference between the both. I think what's makes it unique it's because it's coupled together with HSBC Premier service. Otherwise the only difference would be the perceived higher class status.

I also found out that there is such thing called the World Elite Mastercard which is supposedly one class above the World Mastercard.

The highest for VISA (at least in Malaysia) if I'm not mistaken would be VISA Infinite - currently offered by RHB Bank only. In the US, VISA Signature seems to be the highest card for a VISA - it's differentiated by a "VISA Signature" band across the front of the card in addition to the VISA logo.

One day if everyone holds a Platinum card, the next stage would be these cards which is (hopefully) the banks will defends it's exclusivity and not everyone will be able to get one.

This post has been edited by hye: May 15 2008, 08:11 AM

@tinkerbel
Can't help myself ... Got a little carried away I think.

Apparently yes, someone here indicated that you could possibly do that over in Bank Negara if I'm not mistaken.

Not so sure about this. The other member mentioned about his experience over in Bank Negara in KL but did not mention the possibility of doing so in other states?

If you don't mind me asking, why are doing so ? Identity theft problem ?


Taking this opportunity to share my latest experience. I wanted to cancel my RHBBank credit card and called up the CS for a fax number to send the letter to. (Did this last Thursday) Checked with the CS on Monday and they said cancellation processing takes about 3-4 working days and they need to forward the fax to the card center. (It's only 2 working days now) However, they could not confirm the fax is received or not as it could have been sent directly to the card center.

Called again on Friday (It's already 8 working days), card is still active and cancellation not done yet. They said maybe Card Processing is not doing it yet. (Emmm ..... remember the 3-4 working days thing, I'm not impressed) Sigh .... service these days sucks.

This post has been edited by hye: May 17 2008, 09:22 AM

@siutimtim
I'm very particular about the CS. Need a CS that is active in giving solutions not giving more problems. The last thing I need is an unhelpful CS when you have problems using your card overseas.