I neither said Alliance was better, nor concluded SCB Titanium was worse. Based on forummer Shinichi’s requirements - (i) free for life, (ii) evergreen reward points and (iii) cash rebates, SCB Titanium fulfills no. (iii) only. I disagreed with you when you reckoned SCB was slightly better. SCB was out of the consideration by not accomplishing all the 3 criteria set by the forummer.

As for myself, cash rebate is always my main consideration. For a short-term period, SCB Titanium suits my requirement perfectly. Nevertheless, I do feel Alliance would fulfill my needs over the long term in view of the evergreen point system. Therefore, I may try to get a SCB card and utilise the 5% cash back benefit till the max rebates achieve.

It’s true. One of my banker friends working in Alliance told me that there have been increasing cc scams since last year, especially during the economic downturn. I was advised not to hold cards from too many banks. It would always be better if we cancel the cards that we seldom use.

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Added on May 19, 2009, 10:12 pmWhat’s the point of having the cc? I thought we have a choice to use credit or debit whenever we make purchases? Please clarify this. Thanks.


This post has been edited by winner: May 19 2009, 10:12 PM

It's rather clueless to figure out how this card works. Better wait for those successful applicants to clarify our queries when they receive their 1st month statements.

Ridiculous t&c!

CC is not their main focus of business. I hardly see their promotions and advertisements about cc. It obviously shows that they do not have any intention to increase their market share in the cc segment.

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Added on May 25, 2009, 9:25 pmEh …when we talk about cash rebate of 1% or more for all types of purchases within an unlimited period, HLB Visa Ess gives 1% rebate; Alliance Younique offers up to 1.365% rebate or RM68.25 per month; SCB Titanium 2%-5% rebate up to a cap of RM600 per year.

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Added on May 25, 2009, 9:29 pmFor the Hybrid Acc, It’s a debit card, which I am holding now. But I only use this card for ATM purpose, and I even rejected their check book facilities. I prefer using “future money” from cc instead. Minimum age requirement for this dc is 18 years.

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Added on May 25, 2009, 9:38 pmI don’t like the condition of a max pool in particular. The RM100k quota can easily finish within the 1st few days of each month if people use their cc for purchase of air tickets.

This post has been edited by winner: May 25 2009, 09:44 PM

I also own Citi Plat. I used to use this cc whenever I travelled abroad last year to collect x2 timeless reward points. Since I obtained other cc offering cash back, now I only use Citi Plat to purchase air tickets for broader travel insurance coverage, spend at Parkson and Jusco for x5 points, and dine at my regular entertainment outlet like Modestos for 50% discount. Other than all these, I just concentrate using other cc with cash rebate promotion. With so many banks giving cash back, anything less than 1% rebate seems not attractive to me now.

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Added on May 26, 2009, 10:18 amIf the rebates are only limited to purchase of specific products, then it is not attractive even though you may get the max RM50 rebate by only spending RM500 per month, provided the quota is still available.

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Added on May 26, 2009, 10:20 amI like that….save the earth, save our future!

This post has been edited by winner: May 26 2009, 10:20 AM

Oh.. non-requirement for a min balance sounds great. Btw, I didn't see any notice about monthly/yearly service/admin fee for the maintenance of current acc in the link.

Has anybody here already obtained SCB Titanium cc? Please advise on how a retail transaction works (credit/debit), based on your PERSONAL experience.

Another inquiry. Can the cardholders just hold the current acc without issuance of cheque books (not paying stamp duty/fee for cheque book)?

From the info provided, the current acc will become dormant if there is no transaction in 1 year. Can the Titanium cc still be used if the cardholders only use the cc but have no transaction in the current acc for 1 year?

Thanks for the explanation. Looking forward to your feedback on the credit/debit issue when doing retail transaction.

Do you mean that dc will take effect 1st if there is a balance in the current acc? If this is the case, why should we deposit money into the current acc as most of us prefer cc function for retail purchase?

Finally the sleeping giant awakes? Good news for their existing customers. However, the promo period is too short for a new customer to consider applying for a PBB cc.

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

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Added on May 27, 2009, 2:48 pmYou 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

Definitely yes. But you won't be able to get the RM50 early bird incentive.

Maybank staff did approach me for the card. But I didn't apply as I really don't need so many cards. Anyhow, I was informed I need to charge the card for at least RM50 within the 1st month upon receipt of the card in order to be given the free laptop bag. Btw, what's the brand of the bag???

I look forward to CIMB promotion giving away free travelling luggage for newly approved Plat card.

This post has been edited by winner: May 31 2009, 10:24 AM

Why don't you pay your utility bills (except water) by direct debit from your cc? It will not only ensure timely payments, but also give you some rebates (such as telecommunication).

You do nothing wrong if you keep changing your cc no. I have been doing this for years just to hit target and accumulate reward points within a specific period. By doing auto debit, I am being given rebates for both h/p and house phone bills. I was surprised as I was selected by TM and given a free modern phone.

It's so hassle-free without remembering all the due dates...Astro, TNB, TM, Broadband, h/p, insurance, just to name a few. More importantly, I am able to earn reward points!

RM2 rebate is also applicable to TMNet internet bill.

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Added on June 1, 2009, 2:14 pmWhich fixed line costs less than RM20 per month nowadays?

This post has been edited by winner: Jun 1 2009, 02:17 PM

As you don't subscribe autopay, are you sure the rebates come from TM? Or it's your UOB who gives you rebates? But it sounds unordinary either. Btw, what's the amount of the rebate you receive on monthly basis?

This post has been edited by winner: Jun 2 2009, 08:51 AM

Santaclaus, better wait till you receive SCB Titanium. Then you can cancel SCB Plat. If you hold both SCB cards, the CL is combined.

I got my Citi Plat AF waived for 2nd year. The reward points are everlasting anyway.

This post has been edited by winner: Jun 2 2009, 12:23 PM

It has to be 24 swipes of any amount per year, if I am not mistaken. Anyway, it's more a lifestyle card for me. Unfortunately, it does not give cash back.

This post has been edited by winner: Jun 2 2009, 12:46 PM

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Added on June 3, 2009, 6:46 amThe US bank you mentioned in particular has lost much of its bussines in deposit segment, following the Lehman Brothers incident. Their cc business, on the other hand, still remains marvellous.

This post has been edited by winner: Jun 3 2009, 06:50 AM

Oh no...Shell is not included?

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Added on June 3, 2009, 11:55 amNo such thing! We have the right to cancel any card. Looks like not a pleasant experience....oh


This post has been edited by winner: Jun 3 2009, 11:55 AM

Soon after LB collapsed and rumours about more banks in the US needed a rescue, I was one of those "kiasu" people rushing to the bank to close my FD and savings acc, and subsequently transferred the $ to 2 local banks. However, I'm still using its cc service which is not much affected by the financial meltdown.

This post has been edited by winner: Jun 3 2009, 05:33 PM