any risk of exposing the 3 digit for online transaction?

previous online store did not ask for that but one new shop ask me for it

It's standard practice for online shops to ask for the CVV verification. (3 digit @ back of your card) As I mentioned before, if you pay your Maxis bill online via the online system - it will ask for this CVV number. Always double check and see that the online store that you are going is reputable, check with your friends, Google for reviews, etc and if ever you feel uncomfortable buying something from them then stop.

No such thing as absolute secure in buying things online but most reputable online stores have invested tons of money to secure their system ... so your risks are minimised.

In case anyone asks ... I have bought many things online before. Have I got conned before yes ... but it is not due to an insecure system. The merchant just did not deliver the goods and services and I got my money back via the bank's transaction dispute system. If you ask me sometimes buying things online is better coz had you used cash ... you never gonna get your money back if you get swindled. With CC at the least the bank is there as your intermediary and will fight to get your money back if you get conned. (Genuine cases)

This post has been edited by hye: Oct 21 2008, 10:33 AM

Which credit card provides free use of lounge in KLIA?

Thanks guys

I have one question. Can anyone here confirm whether HSBC's Premier card is the equivalent of VISA Infinite ?

I spoke to HSBC's CS but the answer is very vague. My contact in HSBC's Premier says that this card is better than the Platinum card.

online transaction?
Majority, the process couldn't proceed if there's no
1) Credit card number
2) Cardholder name
3) Expiry date
4) CVV code

Try find a more reputable seller before giving all this information out. Lowyat's forum is a good place to ask, for example.

NO, its just a regular Plat Master card with slightly souped up benefits

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Added on October 21, 2008, 12:47 pmLots actually, Allliance, Citi, Eon which I can recall etc. I am sure many more as well

This post has been edited by tgeoklin: Oct 21 2008, 12:47 PM

Ok, I shall narrow down the options a bit.

Which card with no annual fee provides free use of lounge at KLIA?

Thanks

Woh, then I guess we hit a brick wall as all cards has annual fees, just whether they are waived or not. To be eligible for waiver, will depends on citeria set by the respective financial institutions, which varies

Use it every month to pay your utilities fees, then ask for fee waiver Else, direct use scissor and cut the credit card. Problem solved (well that's what i used to do when I'm asked to pay for annual fee)

Ini manyak susah nih......

My usual spending is about RM3K/month so I guess I would met most of the waiver criteria.

Lets do it another way, I'm applying Citi Plat and HSBC Gold. Do they have free access to KLIA lounge?

That's one way but as you are aware, some banks requires a min $$$ per annum spent before they will consider waiver, and these are all plat cards, so the amount can be substantial

The thing is, would they ask you to pay for the annual fee even after you've cut it? Since they've charge you already

Normally no if you had sent it back and had not utilised the card on commencemence of the new period in question

The answer is NO to both cards. Both of them does not have free access to KLIA lounge.

Apparently many of us were wrong all this while because HSBC Premier Mastercard in Malaysia is indeed only equivalent to regular Platinum Mastercard. The only thing to distinguish HSBC Premier Mastercard holders is that the only way to get this card is to become HSBC's VIP customer (Premier Banking customer). And within the HSBC worldwide, HSBC Premier Mastercard is viewed to have a higher status than their regular Platinum credit card.

And according to one of the RMs at HSBC, HSBC is still in the process to standardize their Premier Banking across the globe. Many countries' HSBC Premier Mastercard are already known as HSBC Premier World Mastercard, one example is Australia's HSBC. Very soon all HSBC Premier Mastercard will become HSBC Premier World Mastercard regardless of the issuing country.

so what is the cards that have free access to KLIA lounge, i only know that alliance plat can access it.
correct me if i m wrong

SCB and UOB.

http://www1.uob.com.my/webpages/p_cards_credit_platinum.htm

http://www.standardchartered.com.my/person...-mastercard/en/

how to get a platinum card?
But i dont have 100k pa.

guys, i'm applying for my first ccard.

previously my salary was 1200 + 600 (fixed allowance) in another company but salary slip only stated 1200. the allowance i get at mid of the month.
now in new company with salary 2000 but only work for 1month.

what i know is normally banks asks for 3 month salary slip rite? if i give 2month 1200salary + 1month 2000salary, got chance or not?

You don't need 100K pa for a plat card. Most banks just looking at 60K pa so unless you are lower than that, you shd be fine