Hi guys,

I'm going to apply my 1st ever credit card in my life & I need yours advices to assist me in deciding which bank's CC i should apply. My criteria goes like this: low or nil annual fee, great customer service, near to my residential area so that easy payment to outstanding balance can be made, no hassle on internet transaction e.g. Amazon, paypal, etc and of course smooth transaction during international travelling.

My colleagues suggested me to apply for HSBC, any good? I'm also thinking of Public Bank as it's very near to my house, any good? Another question is that HSBC asks for Form J/EA, what exactly is that? Is it really compulsory? What if I don't have such applications? Sorry if it sound noobish because I just started my work barely a month.

MBB cardholder, I would like to ask where is TP hotspot? Any example or list?

Thank you.

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 ?   

Yes, the 2% cash rebate is quite interesting but not all of the purchase we will get 2%, for example Giant VISA, 2% on Giant and others 0.5% only. By the way, AMEX can get 2x on all purchase and it can be accumulate together with other Credit Card/ Savings/ Current Account in M2U (that's i interested). Just want to get the point grow faster, coz MBB Petronas VISA get 1 TP for other purchase outside Petronas, the AMEX will substitude at this part

Ya, i m agent for Hong Leong Bank, thanks for the answers

Guys, i'm currently holding a supplementary AMEX credit card. I'd like to know if it is possible to combine the treatpoints earned thru my credit card and the principal's to redeem gift from Maybank ? Because from what i've noticed from my mom's online banking, both cards do appear in her online banking account but the treatpoints earned are separated between principal and supplementary. So i wondered if we need to redeem the gift seperately or we can actually combine it. Please help me out guys ! Thanks !

Does anyone know which bank out there allows credit cards if you put a certain about in their fixed deposit?

Public Bank

Hi guys,

I'm going to apply my 1st ever credit card in my life & I need yours advices to assist me in deciding which bank's CC i should apply. My criteria goes like this: low or nil annual fee, great customer service, near to my residential area so that easy payment to outstanding balance can be made, no hassle on internet transaction e.g. Amazon, paypal, etc and of course smooth transaction during international travelling.

My colleagues suggested me to apply for HSBC, any good? I'm also thinking of Public Bank as it's very near to my house, any good? Another question is that HSBC asks for Form J/EA, what exactly is that? Is it really compulsory? What if I don't have such applications? Sorry if it sound noobish because I just started my work barely a month.

one month ? u need at least 2-3months even for hong leong bank CC ....

u can try hong leong bank CC ....

Haha, I admit that I sounded desperate. Anyway, I read the eligibility of HSBC that says Letter of Acceptance also can do, the only problem is Form J. So I assume that those who have working experience (recently switch to new company) & have their Form J from their former HR dep can definitely for CC. But for a fresh grad like me, too bad is it?

Actually I read the previous post but hardly anyone mentioned about PB's CC...is it bcoz their CC reward not enticing enough?

anyone got the standardchartered bank character card? e.g. batman card?

I had this card a short while back. Actually, it is quite cool but I decided to retire this card coz it is a little embarassing to pull this card out in front of a client. It is actually one of SCB's best product back then and this product was launched when SCB just had a management change. Their cc customer base grew coz of this card. Before that SCB cc was one of the hardest card to apply in town coz rejection rates was high.

Hi all, anyone know if possible to check online for DA card discounts?

Thanks.

why not le?

just go to direct access website.