just get Alliance Younique card lah, any transaction 2%, no need so troublesome carry so many cards
the tesco rhb 5% on weekend only until end of April, yesterday i ask

There is not exactly 2% on all transaction. It is based on tier rate. Below are taken from Alliance Bank FAQ for this card;

Q:How is the cash back calculated for the Alliance Rebates MasterCard?
A:The cash back is credited monthly into the card account and calculated based on the table below.

Alliance Rebates MasterCard

Monthly Spending Range (RM) Rebate Factor
0-500 0.50%
501-1350 0.70%
1351-2550 0.90%
2551-5000 2.00%
Above 5000 Nil

still MBB card is the BEST for Carrefour. 5% on normal days, 10% on Tuesday !

i think i will change to Maybank credit card soon.

hsbc amanah got rebate but no point collections?

I checked as much as possible on the website but could not see this as a feature of the card?

I was thinking of getting Bank Islam card just for this feature but it seems their normal classic cards are subject to compounding interest, only their platinum cards and some co-branded classics have this feature.

still available???

Yes


I think all Islamic CC has no compounding interest as this is one of the criteria for Islamic CC.

Yup. Also not eligible to take part in promotions like the current 7 swipes for Sushi King voucher. I think merchant offers also less than conventional platinum because of Islamic Shariah.

If you consider that 11,000 reward points converts to RM50 or that 8,500 points gives you RM38 cash back, then the conventional cards are as good as Amanah's 0.5% yet you're getting the extra privilleges above with conventional.

I think I should just upgrade my conventional gold and cancel my Amanah plat.

The above is just one of the examples that you need to be well equip with the cc product information before you apply for the card. Don't just take the agent's recommendations straight on. Few are honest (I personally know 1 HSBC guy who's honest about the product) as they are out to get their commission when they are able to sign you up.

e.g Never fall for the apply for the 2 card trick, they actually want to get commission from 2 cards! Heard this before "Sir ... I think you qualify for 2 cards from our bank"

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Added on January 12, 2009, 8:55 amYup ... confirm no point collections.

This post has been edited by hye: Jan 12 2009, 08:55 AM

Alliance Bank's You:niques cash rebate rate is even better than Public Bank's.

regarding the Alliance Bank's You:niques...the 9% interest charged is it applicable from the 1st month we use the card? or need for few month...

Ya, agree with you, for high volume shopper, it is a good card as 2% cash rebate is a consider fair discount for your purchase.

No, it charged 9% p.a. when you have any carried forward balance from previous month. Normally the bank charge 18% p.a interest (12% for AmBank True Card)

Hope this helps

This post has been edited by aeronlim: Jan 12 2009, 02:45 PM

That’s great…I don’t need the point just need a low interest rate

no more 5% or 10% discount for MBB cc in carrefour after 31 Dec 2008

just want to confirm, nothing can be done by someone if they know our credit card number only (not CVV)? example just has front page of our credit card. photocopy front of my CC then the girl does not satisfied with the first copy and copy again. stupid me forget to ask for the the first unclear copy.. hahaha paranoid

some of the online transaction doesnt require cvv as well,so should be aware also if expose only credit card number

Might be possible. I have encountered situation (not sure whether it is a credit card authorization to debit or online form) where all the information on the front portion of the card is sufficient. (Read : CVV not required)

I could be wrong ... for better confirmation can ask bro chipolatas

This post has been edited by hye: Jan 12 2009, 04:51 PM

ic..hmm i think this is true also because I remember I've made one transaction before without CVV..hmm

Yup I made one transaction online last year which do not request CVV number.