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 Credit Card Thread V6

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Aeon_Clock
post May 27 2009, 01:24 PM

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get gold card lor. Its quite common lately...
tinkerbel
post May 27 2009, 01:29 PM

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Requirement for Platinum is RM80k p/annum whereas Gold is RM36k p/annum.

Gold card doesn't seem v difficult to achieve. But am quite sure many will be able to get Platinum even if they don't meet the RM80k criteria.

This post has been edited by tinkerbel: May 27 2009, 01:29 PM
jiaxun
post May 27 2009, 01:30 PM

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what about alliance bank platinum?
tinkerbel
post May 27 2009, 01:33 PM

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@jiaxun,
It's also RM80,000. Also, in future please check the information on the banks' website biggrin.gif
lin00b
post May 27 2009, 02:14 PM

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why take platinum and its annual fees when most gold cards are free for life?

similarly, why take amex and its annual fees when visa/master is free for life?
Aeon_Clock
post May 27 2009, 02:20 PM

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its fashion...just like why buy Honda/Toyota when there is Proton and Perodua. I don't really see much difference between the two cards. You still need to pay same amount of interest, promotions are almost the same...etc.
winner
post May 27 2009, 02:45 PM

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QUOTE(tinkerbel @ May 27 2009, 01:29 PM)
Requirement for Platinum is RM80k p/annum whereas Gold is RM36k p/annum. 

*
If I am not mistaken, HSBC Plat requires the highest income eligibility (RM150k per annum) among all platinum cards in Malaysia.


Added on May 27, 2009, 2:48 pm
QUOTE(Aeon_Clock @ May 27 2009, 01:17 PM)
I'd rather go for CIMB DA Mastercard which gives 2% all the time, every petrol brand. Plus the card is free for life.
or
RHB TravelMoney - 5% on the first weekend, and 2% on any other day, every petrol brand too.

Maybank Petronas card is good for points only. I'm not sure if you can use Bonuslink card at the station if u use this card...

pls read the terms and conditions before recommending a card.
*
You can’t accumulate Bonuslink points at Petronas. Petronas has its own Mesra card. Points required for gift redemption in Mesra are lower than Bonuslink. You can accumulate both MBB cc and Mesra points at Petronas. Among all the petrol stations, only Shell affiliates with Bonuslink.

In terms of cash rebate for all purchases + reward points + unlimited promotion period, Alliance and SCB Titanium, in my opinion, could be a better choice at this point in time.



This post has been edited by winner: May 27 2009, 02:48 PM
hye
post May 27 2009, 03:43 PM

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QUOTE(winner @ May 27 2009, 02:45 PM)
In terms of cash rebate for all purchases + reward points + unlimited promotion period, Alliance and SCB Titanium, in my opinion, could be a better choice at this point in time.
*
I couldn't have agreed more. Other promotions may offer higher rebate but they are likely to be temporary of nature, supports limited merchants and in some cases quite complex for the end consumer to fully benefit from the rebates.

You don't want to be hopping from one card to another just to enjoy the short term rebates.

This post has been edited by hye: May 27 2009, 04:40 PM
lin00b
post May 27 2009, 04:21 PM

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SCB 40k annual income? not 30/36k?
hye
post May 27 2009, 04:42 PM

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QUOTE(lin00b @ May 27 2009, 04:21 PM)
SCB 40k annual income? not 30/36k?
*
Not a mistake there. You can check out their website for eligibility requirements.
Different banks have different eligibility requirements.
SUSRegist
post May 27 2009, 07:21 PM

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jz now citibank called for some kind of telemarketing products...i was like wtfffffff it is the most annoying call everrrrrrrr!!!!! some more its during my driving time....and the girl there just blabbing her product as its all she care....wtfff man...im driving now....citibank can u kindly stop all those nonsense telemarketing at once???
HughieRmX
post May 27 2009, 07:23 PM

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QUOTE(bingozero @ May 27 2009, 12:54 PM)
If you using Shell petrol, apply for Citibank Shell credit card. It is rebate 5% on petrol and 1.5% on retail

Citibank Shell credit card
*
Hmm .. I see. I came across this bank's offer during roadshow at Lowyat Plaza but yet the agent aren't been able to explain to me in detail how does it work out. In the end, I give up .. since they are confused with it as well. doh.gif

QUOTE(tinkerbel @ May 27 2009, 01:03 PM)
@HughieRmX,
General online transaction?  Meaning, transacting in foreign currency or local currency?  If it's in foreign currency, I suggest you go for UOB because they don't charge additional 'service' fees when U do a foreign transaction, unlike the rest of the banks.
*
Greetings tinkerbel,
Hmm .. I would say both. But mostly 70% will be on local currency, the rest foreign. smile.gif
Thanks for the suggestion, really appreciate that. I guess that card is not suitable for me right ? ..

QUOTE(Aeon_Clock @ May 27 2009, 01:17 PM)
Shell CitiBank Card requirements for the 5% rebate:-
» Click to show Spoiler - click again to hide... «


I'd rather go for CIMB DA Mastercard which gives 2% all the time, every petrol brand. Plus the card is free for life.
or
RHB TravelMoney - 5% on the first weekend, and 2% on any other day, every petrol brand too.

Maybank Petronas card is good for points only. I'm not sure if you can use Bonuslink card at the station if u use this card...

pls read the terms and conditions before recommending a card.
*
Thanks for the quick brief over there. smile.gif
Appreciate that .. and to my surprise I thought what they offer are flat rate but now after reading this it totally changed my thinking. Guess that the standard % of rebate will range in between 2% to 3% for most of the CC that involves in the petrol rebate concept.

QUOTE(WaCKy-Angel @ May 27 2009, 01:20 PM)
Yes u can.

Anybody got the EON-GSC card?
Looks good but only got Gold and Platinum card sad.gif
*
Hmm .. heard of it but haven't encounter any friend of mine using it. What so special about it anyway ? .. Rebate for GSC tickets or extra VIP service ? unsure.gif
lcl832002
post May 27 2009, 07:47 PM

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QUOTE(Aeon_Clock @ May 27 2009, 02:17 PM)
I'd rather go for CIMB DA Mastercard which gives 2% all the time, every petrol brand. Plus the card is free for life.
or
RHB TravelMoney - 5% on the first weekend, and 2% on any other day, every petrol brand too.
*
For RHB TravelMoney, the petrol rebate promotion is until the end of June this year...
HughieRmX
post May 27 2009, 08:36 PM

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QUOTE(lcl832002 @ May 27 2009, 07:47 PM)
For RHB TravelMoney, the petrol rebate promotion is until the end of June this year...
*
What makes it to be like this ? .. Based on promotion period ? .. What will happen to those previous owner who applied the card for such purpose .. ph34r.gif
ellimist
post May 27 2009, 08:47 PM

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A lil off topic, but in line with petrol rebates and temporary promotions..

Diners club charge card offers 8% rebate on petrol when u charge at least RM500 to the card for other purchases. Only valid for the first 6 months from when you got ur card

tongue.gif

This post has been edited by ellimist: May 27 2009, 08:57 PM
HughieRmX
post May 27 2009, 09:02 PM

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QUOTE(ellimist @ May 27 2009, 08:47 PM)
A lil off topic, but in line with petrol rebates and temporary promotions..

Diners club charge card offers 8% rebate on petrol when u charge at least RM500 to the card for other purchases. Only valid for the first 6 months from when you got ur card

tongue.gif
*
Greetings,
Doesn't matter what brand of petrol is it ? smile.gif As long as I charged RM500 to the card ..
Thanks for the info.
ellimist
post May 27 2009, 09:23 PM

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QUOTE(HughieRmX @ May 27 2009, 09:02 PM)
Greetings,
Doesn't matter what brand of petrol is it ? smile.gif As long as I charged RM500 to the card ..
Thanks for the info.
*
Yea doesn't matter. But it's only for the first 6 months from the time you get your card. I suppose it's their way of sucking you into using their card, accumulating points with it, then feeling reluctant to change back to other cards =p
lcl832002
post May 27 2009, 11:12 PM

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QUOTE(HughieRmX @ May 27 2009, 09:36 PM)
What makes it to be like this ? .. Based on promotion period ? .. What will happen to those previous owner who applied the card for such purpose .. ph34r.gif
*
This promotion period applies to previous owners as well. But, so far, RHB keeps extending the promotion period. Actually the promotion ended last February.
simplesmile
post May 27 2009, 11:25 PM

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QUOTE(winner @ May 27 2009, 02:45 PM)
If I am not mistaken, HSBC Plat requires the highest income eligibility (RM150k per annum) among all platinum cards in Malaysia.


Added on May 27, 2009, 2:48 pm

You can’t accumulate Bonuslink points at Petronas. Petronas has its own Mesra card. Points required for gift redemption in Mesra are lower than Bonuslink. You can accumulate both MBB cc and Mesra points at Petronas. Among all the petrol stations, only Shell affiliates with Bonuslink.

In terms of cash rebate for all purchases + reward points + unlimited promotion period, Alliance and SCB Titanium, in my opinion, could be a better choice at this point in time.
*
Edit: Nvm. I found it. Thanks.

This post has been edited by simplesmile: May 27 2009, 11:27 PM
WaCKy-Angel
post May 28 2009, 08:50 AM

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QUOTE(HughieRmX @ May 27 2009, 07:23 PM)

Hmm .. heard of it but haven't encounter any friend of mine using it. What so special about it anyway ? .. Rebate for GSC tickets or extra VIP service ? unsure.gif
*
Yup got rebate but not sure how to calculate...
Below RM10 ticket u get RM0.50 rebate and some others, but UOB also are giving 5% rebate.

Anyway, yes EON-GSC card has special VIP lane (with red carpet lolz).

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