Yes, 4th point is inconvenient payment, like Citibank CC, although I guess I can use M1 online a/c to transfer for CC payment.

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Added on April 1, 2009, 2:43 pmJust to add, I'm not looking for "better" plat. Just better rewards/returns/redemptions from CC. Convenience, free for life. Plat nowadays is like Gold card 10 years ago. I also feel paiseh to use my plat to swipe, so normally i use the classic card.

BTW, my MBB Amex Credit Card (gold only) already 3.5 yrs (free first 3 yrs AF waiver). So far they did not charge me AF, I guess they auto-waive me.


This post has been edited by cute_boboi: Apr 1 2009, 02:43 PM

Wonder what are the differences between Maybank AMEX charge card and credit card?

What? U using classic? Isnt it even more embarassing.

I was told that we can get a DA credit card (2 % cash rebate in all petrol station in Malaysia) using our degree cert. Do we have to prepare our pay slips for application for the DA credit card???

Nothing wrong with that..

Preferably yes for easier approval..

Nah just too low profile as you could have just used your platinum!

@jack2,
Charge card doesn't have a CL whereas Credit Card has. U will however need to make full payment at the end of the month should you have charged your card

Well, classic is the lowest I can goto, nothing lower than that

There was one 31st of the month, I was queuing to pay for Baskin Robbins at Mont Kiara. Guess what, 80% swipe using Plat cards it was so common!

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Added on April 1, 2009, 4:11 pmThen I decide to be the special one and take out my classic card. Wow, my classic looks so special among the plats

This post has been edited by cute_boboi: Apr 1 2009, 04:11 PM

Yeah ... plats are so common nowadays. I got it myself and there are days that I couldn't be bothered about it anymore coz I know anytime I could get it. For example, I enjoy using my debit card which gives me 7% petrol rebates and no credit card provider can match me - for once so what if it isn't a platinum card .

The RHB travel money agents always kena when they approached me. They think I'm conning them when I told them I could get 7% rebate beating their 'conditional' 5% petrol rebate.

Which card offers 7% rebate?

All the banks here should offer more choices of credit card and for the cash back credit card, it should be AT LEAST 1%, like those in USA. And the cash back can either be credited to our savings/checking account held with the bank or cheque or cash. Accumulate rewards point is not really my cup of tea. HSBC got many interesting vouchers but the down side is the points expire once every three years. Citibank rewards point is evergreen but the redemption points needed is kind of expensive.


Very true. In US they have VISA Ultima, a kind of high society card that is not availble in Malaysia yet. If i'm not mistaken, VISA Ultima is not yet offered by any banks in Singapore as we speak. So don't expect this card to arrives at our shore anytime soon.


You funny chap !


The SCB Saadiq Savings Mastercard debit.

Only for petrol or anything through online bill payments?

The 7% rebate is applicable for petrol purchase only and you must swipe the card at the kiosk. It's a similar offer they offered last year with their E$aver savings debit Mastercard. It also offers 5% at selected hypermarkets. Please refer to the "debit card" thread for more information.

This post has been edited by MilesAndMore: Apr 1 2009, 05:12 PM

I wonder how everyone of you thinks that PLAT is easy to get. I've been a classic holder with a credit limit of 12k (applied using FD) for more than a year now. How can I try to apply for a plat card? Given that I have constant salary credited to my bank account every month.

This post has been edited by Ash: Apr 1 2009, 06:02 PM

Just go to those CC counters you find in shopping malls and ask them to apply for you. UOB plat should be easy to get, income required is RM18k.

Actually I was thinking bout a maybank/public bank one so I could settle the bill easily online. Don't you guys think it's a fuss to have other bank CCs having to get to the particular bank to settle the bill every month?

U joking me! 18k for a Plat!!!

@Ash,
The older you get, the easier it is to get a Plat The other, faster way to achieve it is when you are v rich

@conxtion,
Is that the UOB One Card Plat that you're referring to?! It's ridiculous for banks to be offering Platinum cards when one is earning RM18k p/annum [as it is, I oredi find it ridiculous for banks to be so lenient on their Plat offering]

I actually gave out a photocopy i/c and my credit card photocopy to one merchant 1 year ago in order to purchase something. But now i feared they might me using my documents to apply for credit card and fraud it. Is there anyway i can check how many cards im holding or i want to know my report on cards?

You only need to earn at least RM60k/pa to qualify for SCB Platinum credit card. Compared to a few years ago, yeah, it's really easy to secure a Platinum credit card.


If you are talking about UOB ONE Platinum then very sorry to tell you that is not a real Platinum credit card. The name of the credit card is more of a marketing gimmick.