I see. Thanks for the info. mate.

But regards to the Islamic Banking part, is there any limitation to customers or non-Muslims?  I'm applying for the HSBC card and they asked me to take the MPower because it's newer.

what is the cc that comes with no annual fee for life except petronas card? is there any other?

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Added on November 15, 2008, 12:23 am2nd question, let say i have a cc from maybank with credit limit 2k, and i apply for 2nd one, the credit limit is combined or different?

For AMEX Charge Card it comes in 4 variations namely "Green", "Gold", "Singapore Airlines Krisflyer Gold" and "Platinum". The design of the cards are exactly the same as those you see in their website.

Yes. You'll have to pay RM25/pa to enroll in their membership rewards program. It is completely unrelated to "Maybank Treatpoints". Therefore you CANNOT combine the points you earned thru your AMEX Charge Card and Petronas Visa.

do i need to have had my cc for 1 year or more before i can do a balance transfer.

I recently had to do a major repair for my car so had to use my mbb cc. can i do a balance transfer so i can slowly pay the amount but with lesser interest?

Want to apply for Ikhwan AMEX Gold Card,

1) Did the 2X Treatpoint for AMEX is temporary?
2) In the form, i see a place that have Akad Declaration, should i sign this if i'm non-muslim?

Headache about the AMEX all the times :\

can i apply for CC if i dont have pay slip? i have steady income of more than 2k/month. n i dont hv epf too. but my old job got epf

can apply?

You are welcomed. My experience using MBB Amex Credit Card for >2 years:
1) No problem swipe local or overseas at all (Asean & Europe), as long as they accept Amex 
2) Sometimes local shops have problem swipe/approval MBB Amex Credit card, but no problem with MBB Visa/Mastercard.   
3) No issue with credit limit, as it is more than enough to use.
4) CL is combined with other MBB Visa/Mastercard. MBB Amex Charge Card CL is separate though.
5) Recognition/status/class/etc - I don't care, as long as can swipe and collect MORE points than normal.
6) Benefits - not much. I seldom use for promotion or airport lounge or etc. I don't like to hang around airport for too long. 1-2 hours for shopping/walk around/wash eyes 

Coming back to Ikhwan/basic Amex credit card, I read above posting Ikhwan is rebate % ? Do a simple calculation, nowadays MBB TP 8500 = RM50 voucher, which means need to spend 8500/2 = RM4,250 to get RM50 voucher.

If Ikhwan is 2% rebate, spend RM4,250 x 2% = RM85 !!! More worth it.

To make things complicated a bit    , my MBB Petronas is 5x TP, which is 8500/5 = RM1,700 to get RM50 voucher.
If Ikhwan rebate 2% @RM1,700 = RM34 only. Means more worthwhile to use MBB Petronas CC at Petronas station, rather than MBB Amex. 

BTW, your signature is Hong Leong Bank CC application ?   

What's the rebate/rewards with Ikhwan ? Just plain 2x TP ?

I'm only holding my HSBC Credit Card for 11 mths.... is there anyone had managed to do the card to card application and successfully received the card with an existing card that is less than 12mths...

i know all the banks required 12 mths old card for that...dun quote me for that....

but i'm only asking if there is special case that anyone managed to do it even without 12 mths....

Thanks for the prompt response. if a customer whom do not posses a savings account as opposed to those whom have a savings account in the same bank. will there be any difference in treatment? or its just same?

Again, my weird experience. My salary is banked into HSBC every month. I applied HSBC CC, submit all docs, salary slip, proof, etc. But I got rejected.   

Then I not happy already. One fine day, HSBC tele-marketer called me, and asked me fill up one single form. No docs. I fill up, faxed in, and they send me the CC.    All happened within 12 months period.

Same company, same salary, same home. 

You have got to be kidding me right ? HSBC is like one of the most efficient banks in Malaysia, along with Public Bank.

for people like me n you, sure will thinks HSBC is just another crap card, not much benefits but as you getting to higher income brackets, you will thinks HSBC the opposite as u thinks now.

perhaps, HSBC is not targeting fresh grad and young market but towards more mature and security wanted market.