It's 0.5%-1.365% rebate, subject to a max cash back of RM68.25 per month.

To enjoy waiver for AF, the cc needs to be swiped for a minimum 12 times of any amount per year.

I want to ask for opinion.
I want to limit my credit card (currently have 3 ).
I have 2 visa from maybank (petronas gold and platinum) and 1 citibank mastercard.
My main cc currently is maybank platinum. So which one should i get rid off?
Im looking for a card for emergency purposes, such as lost card, reach credit limit, not accepted etc. I dont know if having 2 cards from 1 bank and same provider (visa or master) will have impact on my needs.
By the way im not too crazy about points and discounts.
Thanks for your input.

I'm glad to hear that MBB has improved their service. They have been well-known for their inefficiency in processing cc application.

meaning that if in a month i spend RM200 and if i get 0.5% rebate im getting RM1 rebate in this month?
AF meaning?
urm if i swipe the CC in petrol station counted or not? if i only swipe RM10 petrol every month le? Lol. so at the end of the year i wil get 12swiped =X and wat if i only swipe it 11times? LOLx. too many question to ask =X

Cash rebate is applicable to all retail transactions, including purchases at petrol stations. If you spend RM10 per month only, your cash rebate @0.5% is 5 cents.

If you swipe the card <12 times per year, AF will be imposed. But you can ask for waiver, subject to approval from the bank. Please browse through the whole CC Thread for your knowledge.

AF = annual fee

OK ... let's try this.

I suggest you get rid of your Petronas gold. (and maybe Platinum) and get a cash back card either JustOne or Alliance.
Keep the Citibank MC coz if you are travelling you can get access to the Plaza lounge. (Unless you are on business all the time) Maybank cc doesn't offer anything extra except for getting EZ Payments (perhaps the most merchant support) and 5x points for petrols. You could compensate that via your cash back. (Read the previous threads on JustOne and Alliance)

I assume you are a seasoned cc user. You know your needs best, the folks here could suggest but likely you know what you want.

confirmed shell kiosk cannot read JustOne
went into the counter, cannot also - but i din't look at the machine and din TEACH the staff to select Cr

went to Touch n Go after Ipoh Tol, hv to ask the staff to choose Cr - she asked me why like that
went to The Store Taiping, also need to tell the cashier to select Cr
went to KFC Taiping, again need to educate the cashier

Thanks for the suggestion. I know what I need, just that I dont know whether having 2 different type of cc from diff bank is better than having 2 cc but same type and same bank.

2 different banks for best protection when you travel. I just had one of my card with some trouble @ the merchant overseas. I used another bank and presto, transaction went through! When you travel, you just can't afford to have hassles which could inconvenience you (or worst embarass you)

i apply few time already..but rejected...any suggested bank ???

CIMB Bank approval rate is quite high. Good luck

ok cool that for reply. then how bout those interest rate? late payment and wat other charges in CC? normally AF how much?

i wanna ask expert here...
recently my card has been used by some1 else for internet transaction (PAYPAL). The total amount is about RM1400. i already call the bank and dispute the transaction but the bank told me i have to wait 45days for them to investigate... if after 45days they say im the 1 who do the transaction and want me to pay the amount. wat shud i do...???

I think I read an article in the The Star that fraud not due to you is charged to a max of RM 250.

Sorry, I couldn't find back the article.

Yup ... I read the article too. It came from a landmark case where the consumer fought against the bank (can't remember which one, could be Citibank) and won. Consumer lost her card (it was a lady) and someone went on a shopping spree and rack up a huge bill. Bank insist it was her liability as transactions occured before she cancelled her card.

She bought the case up to court and won !
(I can't find the full article but mine above is a simplified story)

UOB* - Classic & Gold Free for Life. For other cards (like my Platinum Card & ONE Card) they have a stupid policy where members must have both Visa and Mastercard cards and swipe minimum 6 times for each card.


from what u wrote above, you are saying platinum and one card have the stupid policy, perhaps u can change it to be clearer

If you ask me about the interest rate charged by cc, I am afraid I am not the suitable person to give you the answer! I may sound a bit offensive to others but this is my sincere advice. If you have the intention not to make full payment for the outstanding balance of your cc in the first place, please do not own a cc. Do not develop such a bad habit, especially something related to cc debts. That’s why I NEVER bother about interest rate given by any cc issuers for cash advance, outstanding balance, balance transfer and easy payment scheme. Btw, Alliance Younique provides 0% free interest for the 1st 3 months.

As for the AF, Alliance Younique is giving waiver for the 1st 3 years if you apply for the card before end of July’09. Should you swipe the cc less than 12 times in the 4th year, the AF will be RM148. You can request for AF waiver, but banks always have the final say.

Noted Bro.

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Added on June 15, 2009, 8:32 pmcheck the previous pages, it was posted as a new thread and one of the mod incorporated it in this thread.

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Added on June 15, 2009, 8:33 pmYou are giving free advise that is priceless.

This post has been edited by Gen-X: Jun 15 2009, 08:33 PM

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Added on June 15, 2009, 9:32 pmCouldn't agree more. Having a cc and the knowledge to own one is not a ticket to acquire cc debt, period. If anyone intends it that way then you are not qualified to own a cc in the first place coz you got the wrong mentality for it.

This post has been edited by hye: Jun 15 2009, 09:32 PM