Thanks for the suggestion but I'm very comfortable with SCB & Alliance Bank's (upcoming) rebate based cards (they also give me access to the Premium Lounge @ KLIA & LCCT) at the moment. Making a shift to AMEX Gold and hoping to get the Amex Plat is a long shot. Let me think about it ... once my Aliiance & SIA's AMEX arrive then make further analysis on my next strategy.

i know some bank give ridiculously low limit plat. With 18k CL i think you can try Scb , uob , eon , or mbf. This is confirmed info as few of my friend get 15k limit on their plat. 20k CL you can try Citibank , Mbb , Cimb , Hong Leong , Pbb or Rhb. For 30k you can get Hsbc.
Hope this helps. Source is from real life experience from few of my friend. But it's really low limit and inconvenience if using it overseas.

How you guys can get a card with 50k CL?
You all are business man?
As I know the bank would always giving CL based on their income.
The calculation would be something like:-
50/3 = 17k mo

Mostly bank determine CL by your income , but CL will increase gradually by time with your credit scoring, which capture thru your spending and payment pattern. If your usage is heavy enough and payment at least 50% above for total outstanding, they would glad to increase your CL often or by your request.
Some good way is consolidate your spending on one cc. Prompt card application is another way to increase your CL, often bank will give higher CL than your existing card. But the best is to prove your income increment to bank when request for a CL increase.
Here got a few sifu may have better way , just my 2 cents.

All Sifu, please share any other way to increase your CL besides you really earn a lots of money.....

Not really just based on income. If you have a fat bank account you'll be given a huge CL too.


Yes, big fat bank account with the bank you are going to apply for their credit card.

Let say I want to increase my credit limit, and I deposit big amount, do you think they will approve? What account normally to deposit? FD? If I have 50k FD can I ask for 50k credit limit?

I dont think so ler....unless every month you spend 20-30k......prompt payment for near a year...maybe the bank can consider......

So you think that if you have RM50k worth of FD with the respective bank they will approve you a Platinum credit card with RM50k of CL ? That's a definite no-no. The minimum requirement to become HSBC Premier customer is to have RM200k of deposit with them and they will approve you a "Premier Mastercard" with only RM40k of CL. Say that you have RM1 Million of FD with HSBC, yes, of course you can request to them to increase you CL. Just don't expect to get 1:1.

I remember one of the forummer mention before about the 1:1 FD tied Credit Card CL, not really sure about that because none of my card are FD tied. Anyone here can confirm this myth ?

The quote below taken from Public Bank Website. They can do 1:1 based on FD for platinum cards.



This post has been edited by GHz: Mar 17 2009, 07:54 AM

I m not sifu but can share my experiance with u.
Other than u hav high income(but this is the fastest way to increase CL bcoz issuer always want u to proof ur income if u apply for increasing CL),huge spending,good repayment record and membership vintage might help u to get auto increase of cc CL.
Focus ur spending in single issuer and hold the cc for longer time(show them ur loyalty). I think u should get CL increase nearly every year.
When I was age of 21 few years back,my 1st cc CL only RM2k.... Today my lowest cc CL was RM45k and highest already 6 digits.

Look at it this way, CL is besides the point as you will get it once you are ready. But if you are concern about it cramping your spending style, just get a charge card, which in theory has no fixed limit but based on your resources.

Another few more days I try go RHB Bank & Cimb Bank ~

hi, i just fresh grad. I just worked for 4 months. If i wan to apply a CC MUST show degree cert ah?? diploma cannot ah?? bcoz i only got diploma cert. hahaa

as i know...PETRONAS Maybankard Platinum Visa is FOC, if i use it for petronas only can get the points. then what can rewards from the points??

CIMB petronas master card rebate is 2%...in a month bum my car is RM120 then is 120 - 2% = 2.4. very months can very RM2.4...

any suggestion i want to apply for CIMB petronas master card or maybank visa?? of course that must FOC la..hehe

U just need your latest 3 months salary slip and EPF statement.
Platinum? how much is your annual income?

Im currently using UOB for 2% rebate, but now thinking to switch to Maybank Amex for double points to centralise my rewards as im using Maybank Visa too..

UOB rebate can only be use at limited places like GSC or BHPetrol station mart.
Im still wondering which either UOB or Maybank points are more worth it.

@tgeoklin,
I sort off made sure I would be the 1st 100 customers to spend RM3000 in the month of December *grins* Am glad I got it though and the letter came soon enough

@JamesPond,
If U've been with the bank long enough and have had a good 'relationship' with them all these years plus with good credit ratings, u should have no problems getting an increase in CL. I do however hear banks are getting more stringent with their credit cardholders due to the credit crunch! *shrugs*

I try and make sure too but alas, guess luck was not with me

@WaCKy-Angel,
Amex Membership Reward (MR) points are different from that of MBB's Treat Points (TP) hence U probably will not be able to centralise the 2 points from the 2 different cards

@tgeoklin,
Initially, I thought the RM3k was based on trasaction date hence I got the merchant to swipe my card at 12.05AM on 1st December 2008. It was only later that I realised Amex doesn't base it on trasaction date but posting date. Thankfully, I had swiped a RM3.5k bill 3 days before and it was posted on 1st December I guess that did the trick kua *shrugs* Or maybe lady luck was just on my side

Oh, now that you mention it. I think i have read about it too. If my memory serves me correctly it's AMBank.


I stand corrected.

Public Bank is probably the best local bank in Malaysia, very professional and super efficient. But their credit card is a shame


I can see CIMB World Mastercard and Standard Chartered VISA Infinite right around the corner



Only if you want to apply for Direct Access or Citibank Clear credit card.



To exchange for gifts. And sometimes Maybank has some discount with some merchants as well.

This post has been edited by MilesAndMore: Mar 17 2009, 01:26 PM