LMAO....then UOB One Plat really is a disgrace (no offense to card holders, just that the credit limit is a joke)

Gimmick huh....you really should be a politician

I am one of their target then But I am using cheapo free for life cards from DA and Citibank

Citibank does offer. They are called Choice cards, only condition is you need to swipe twice a month for any amount

Yep you are right. So I just go to Watsons and buy some sweets and swipe my card TWICE cheapo to the max

I ask my colleague to pay for me no cheque involved

Under what condition would HSBC start to charge you RM 5 per month? I am also using PowerVantage Savings/Current account and so far I have not been charged anything except the RM 8 for ATM card. RM 5 per month is crazy

Citibank never gave me a separate CL when I bought my laptop I think it's because I am using their Choice Card so the instalment plan reduced my CL.

Ya I am using their silly classic card, only 1.5% for Shell petrol since I don't have any balance. Will cancel it once I reached my RM 20 quota

Will revert back to my good old DA Mastercard

Yea you can find the info at http://www.citibank.com.my/APPS/portal/gen.../card_shell.htm

It is 1.5% for Classic and 2.5% for Gold (assuming no balance of debt)

Actually all cards don't give points for petrol payment. This is part of the settlement that the BNM, Petrol Stations Owners Associations and the banks when the petrol prices went up to RM1.92 back then. The association were threatening to stop credit card payments coz they were not making money anymore when petrol prices went up.

The exception would be cards which gives out rebates and MBB Petronas cards which give out 5x points for Petronas petrol and Kedai Mesra purchases for a limited time. (It's not forever ... read the T&C)

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I believe charge cards like Amex and Diners do give out points for fuel purchases. Not entirely sure as only my dad uses them

Woaah 4 credit cards u using at one go....steady

I got 2 from Citibank and 2 from DA also I am keeping one of the DA and one of the Citibank at home already....too lazy to separate...will most probably cancel the Citibank Shell after my reimbursement is done as well since DA gives more discount on fuel purchase...unless they wana upgrade me to Shell Gold and give me annual waiver

Uh huh....whatever floats your boat then I suppose

What does cancelling your credit card have to do with BNM

Maybe the said bank will blacklist you coz you always cheat their free gifts la....j/k....I don't think anyone can blacklist you my friend....unless u are in debt and not paying

It depends on your cut off date.

It depends on when is your cut off date. It is normally 1 week after that. I don't think you can choose your date though...more like it was allocated to you after they are done processing your credit card application....do correct me if I am wrong though

Any particular reason you would want a HSBC card?

Nope I don't have any particular card that I fancy. I only go for free cards. Credit cards are to me just a medium of collecting points and possible discounts as well as convenience in the sense that I need not carry so much cash.

I am asking because if you do not have a savings account with HSBC, you will face difficulties when you decide to pay the monthly bill. Of course you could always do an online transfer or send them a cheque, all of which costs some small amount of money. Since you choose your card based on what your relatives and friends have, then I guess you should stick to your preference.

I am only interested in ease of payment as well as benefit. And finally, I don't promote anything, there are several lowyat members here who can help you with that.

You're welcome. Good luck with your application

I thought wallet bulky normally means financially un-screwed? That's why I am always keeping my wallet thin

Hmm....I am really "kampung". Didn't know got Black card till vin_ann posted What is the income threshold for a real platinum btw? and the black card?

I got a question on Citibank online banking. Currently I hold two cards from them - a Citibank Choice Card and a Citibank Classic Shell Card. The thing is, I can view and download the e-statements for both of these accounts, but I'm unable to see the transaction details of my Shell card in the "Account Summary" section. Only my Choice card appears at that section but I can see my Shell card account in the "View E-Statement" section...any idea why is this happening?