coz the redeem point already include the delivery fees. IF want lower redeem point go to Maybankard Center at 1 Utama

http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

Hi, I am a newbie here.

I would like to share with you guys, in my personal opinion which credit card is the best in terms of points redemption value. Being a credit card holder of more than 10 banks. I realise some banks credit card are worth to use it.

My personal choice:
1. Maybank : For a mere 8350 points, you can redeem a Sunshine Square RM50 voucher, or for 16700 points, you can get RM 100 Jaya Jusco voucher.
2. CIMB DA: For 9800 points, you can redeem RM 50 giant voucher.

This two banks credit card highly recommend. Other bank that follows by their worth of points would be RHB, EON Bank, OCBC, HSBC, Citibank, Stan Chart, Hong Leong Bank, UOB, Ambank.

But if you talk about privileges, I notice that banks such as HSBC, UOB and DA offers many shopping and dining privileges.

Anyway, just to be clear I am just sharing based on the cards that I hold. Maybe you guys may have better offer from other banks.

We need to pay for the courier fee ourselves when redeem stuff from CIMB 

Ahhhh damn. I already have sufficient treatpoints for the smart tag device and I went and purchased one for RM100 last month.

Ahhhh damn. I already have sufficient treatpoints for the smart tag device and I went and purchased one for RM100 last month.

Totally agree with u....because im using Maybank n Direct access card too...
Too bad the DA point only valid for one year..
Now using Maybank card often compare to DA..

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Added on February 12, 2009, 4:12 pm

Ya...thats why im going to redem my stuff at the card centre at damansara...
Last year they even charge me for the courier fee after i hav collected my vouchers....
They only reversed out after i called them for the mistake they created...

which bank offer smart tag? how much point before can redeem??

I thought DA points valid for 3 years?

Is it true DA/CIMB charge us for courier fee when redeem points? Then Maybank no charge any fee?

Wah, this may take a lot of time. Unless you spend like few hundred thousand per year. One thing about this maybank treatpoints is that the points have not increase for the past few years. Unlike other banks, when they update their catalog, they update (increase) their points too. By the time, when I want to redeem a product, either is no longer avalaible or the points needed increase. So, I decided all my credit card points to be used to redeem voucher. So I can buy whatever I want.

As for other banks, HSBC and DA have three years validity for its points. If got used frequently, bolehlah.

I am interested in getting an alliance bank credit card. Which would you recommend? Got annual fee?

maybank has that, redeem at Maybankard Canter at 1 utama for 22000TP
http://www.maybank2u.com.my/mbb_info/m2u/p.../PRO-Promotions

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Added on February 12, 2009, 9:55 pm

maybank does not charge delivery fees, cimb does

I thought DA points valid for 3 years?

Is it true DA/CIMB charge us for courier fee when redeem points? Then Maybank no charge any fee?

Actually if you self-collect at their determined branch, there will be no delivery charge

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Added on February 13, 2009, 10:34 am

Actually DA already change their point validity from one year to three year. Other banks such as HSBC, OCBC, EON, Ambank, Citibank, Stan Chart, UOB, they don't charge for courier service. That's why point needed for redemption keep on increasing.

What does it mean by 13.5%, 15%, 17.5% per annum interest? How do they calculate? Is it like when you still owe the bank money for a year, you have to pay that percentage??
i'm noob in credit card matters!! LOL

It's the interest rate imposed on your outstanding amonut if you pay only min amount. Fresh cardholder starts from Tier III.

when do they usually charge the interest? at the end of the year? what if i pay more than the min. amount buy still owing?

im cancelling my cimb cC effective end of this month~!!
and also mayb close ALL my cimb accounts