All my MBB CC I applied, I didn't pay for any joining fee:

1. MBB Visa Classic Wave
2. MBB Petronas Visa Paywave
3. MBB Ikwan AMEX

combine limit?

Only the first two is combined. The third is a seperate limit from MBB Islamic.

Wow ! Then it should be very easy for those HSBC Premier Mastercard holder to apply for other bank's platinum credit card after a year since all HSBC Premier Mastercard comes with a minimum CL of 40k.


Salary aside. A big fat bank account will help you to be eligible for one

This post has been edited by MilesAndMore: Dec 8 2008, 11:05 PM

sorry, i means gold master / visa

from where u saw mention that need to pay RM150 joining fee? mind to share?

if got bank to charge any amount of joining fees, that bank will be fail without fail.

Even Platinum card also did not have charge joining fee, only annual fees.

Inside the application form, dude:

Joining Fee
Valid for Visa, MasterCard or American Express Gold Cardmembership only.
• RM150

oh, then did u kena charged RM150?

i thinks it's old rules... how come they never bother to update?

yeah, 40k CL will let you get hold any plat card from any bank but not Amex Plat. Highest requirement hsbc only need 30k. Hsbc amanah plat need 20k .

I was offered a Plat by MBB cause i got a sum of FD with them, but i declined.

For my first card, no even though it's sort of MBB Visa Classic but the banker insisted that it's a Visa Flex.

The remaining two is free for life kind of cards. Shouldn't have joining fee.

Err..
I think I'm Dejavu'ing now.

Just want to ask opinion..
Which bank offers good rates for Balance Transfer?
Need to transfer some for that LV poison thing..

I just got my MBB Visa Classic. What different between MBB Visa Classic & Visa Wave ?

I tried to do some comparasion in Maybank2u but doesn't spot any differences

Oh ya, Im wondering if you guys normally settle full outstanding each month ? I'd only pay around 50% of my outstanding only . Bad record I guess ?

The Wave thing equips your card with a feature similar to Touch&Go. Nothing is fancy.

If your card has Visa Wave feature, there's a logo on the card.

This post has been edited by David83: Dec 9 2008, 10:40 AM

No banks charge joining fee nowadays. I applied Maybank recently and got the card, no fees whatsoever.

And for the lowest entry to get Plat card, apply OCBC Robinson. CL is as low as 5k!

so latest T&C for maybank CC no need to pay RM150 joining fee anymore?

I noticed that many stores (e.g. Best Denki, Harvey Norman) do not accept CIMB cards for flexi-payment.
Anyone knows the reason of this? Or is it just a coincidence?

if u paying every month min, is not consider bad record if u mean CCRIS

What is the requirement ?

Oh ya, Im wondering if you guys normally settle full outstanding each month ? I'd only pay around 50% of my outstanding only . Bad record I guess ?

CIMB is sucks and yes many stores do not accept CIMB for flexi payment but some of them are CIMB merchants. CIMB only allows you to either ask the merchants to do manually which most merchant do not want to do it. Secondly, they will ask u to swipe full amount first (not installment) then make a call to CIMB to apply for flexi payment 10-20 months. Beware, if you do not prepare to pay one time interest of 3-5% which they will charge you for the flexi plan. Stupid right ? then why is it call 0% installment?