Is this a confirmed thing ? CIMB World Mastercard is good as it is FREE FOR LIFE I'm going to cancel my current CIMB Mastercard soon but i might just go for CIMB World Mastercard one day

Agreed. But at least the card is nicely designed


Heard the same thing before. VISA Platinum and Mastercard Platinum credit line is capped at a maximum of RM300,000 per card per person. It cannot go beyond that. The only way to get more CL is applying another credit card from another bank.

This post has been edited by MilesAndMore: May 22 2009, 11:29 PM

Seriously lacking of promotion and the cash rebate sucks ! They should make the cash rebate to be AT LEAST 0.5% instead of 0.3%.

For international, goes for either Citibank or HSBC. As for local bank you should go for CIMB Bank FREE FOR LIFE Mastercard. lots of promotion year round.

You don't have a Standard Chartered Bank savings/checking account ? Standard Chartered Bank and Citibank only charge RM0.50 for each IBG.


Yes. You will have to apply for PB e-banking for your credit card manually at any Public Bank branch.


This only works for Public Bank savings and checking account.


Please tell them to make it black and white

By the way, you sure have a nice collection of credit card

HSBC Amanah credit card will also give you 0.5% rebate instead of accumulating points. For their Platinum VISA, you will get 1% rebate for all overseas transaction.



I always pay before i even get the printed credit card bill, like just 1 or 2 days after the credit card is billed so to avoid late payment charges. I know we have 20 days grace period but i prefer to settle it as soon as possible Which is why i have online banking for all my credit cards so not only i can keep track of my spending, but also to check how much do i need to pay because i usually only get the credit card bill 10 days after the billing date.


True. The whole point is so that people will not spend beyond their means.

This post has been edited by MilesAndMore: May 24 2009, 08:55 PM

No credit card in Malaysia is giving 1% cash rebate. The rebate for credit card in Malaysia is between 0.3% - 0.7% only.


If i'm not mistaken, CIMB Islamic Mastercard will also give you 0.5% rebate instead of point.

Sorry, it should be 0.9% rebate. I was talking about Public Bank VISA Platinum but you will only get 0.9% rebate if you swipe AT LEAST RM100,000 and above for that month.


Opps ... forgot about Alliance Bank credit card. The SCB JustOne credit card has way too many T&C.

Only in Australia, UK or USA as local law permits anyone at least 18 years old to apply for their own principal credit card.


Charge Card shares the same rules as Credit Card. As for debit card, certain banks allow you to have a debit card if you are at least 12 years old.

Hye and Ellimist have mentioned this in the morning

Or it might never happens as airlines now prefer to sell tickets through their own website as this can save them millions of dollar in commission every year. I'm not only talking about those low cost carriers but full service carriers as well such as Singapore Airlines, Qantas etc.


Or you could have suggested to them to only use recycled paper

And also VISA Ultima. Citibank issues their own Citi VISA Ultima credit card. But Citibank Malaysia does not issue this card.

Platinum is becoming more and more common nowadays. Very soon Classic and Gold credit card will be history. In certain countries such as Taiwan and Singapore most banks are offering only Platinum credit card nowadays and entry requirement is low.

They don't promote HSBC Premier Mastercard as you can't apply solely for this card. You have to be able to park RM200,000 at any HSBC Malaysia branch the whole time and you will be automatically given this card. So yeah, it is quite exclusive.

The thing is that i heard from my dad that HSBC will probably increase the minimum deposit from the current RM200,000 to RM300,000 soon to qualify for HSBC Premier status. Currently HSBC Malaysia has the lowest requirement among all others countries where HSBC is also offering Premier service. So my dad told me only consider to be a HSBC Premier customer when i can afford to park at least RM350,000 in HSBC Malaysia. Just in case ...

This post has been edited by MilesAndMore: May 26 2009, 05:18 PM

I believe OCBC Platinum Mastercard is by invitation only, correct ? And by being OCBC Premier customer, one will definitely get the invitation. Your dad has to call their CS try to waive the annual fee.

This post has been edited by MilesAndMore: May 26 2009, 11:49 PM

I remember some banks do not accept credit card application from those over 65-year-old.

AMEX Gold credit card or AMEX Gold charge card ? The free laptop bag is applicable for newly approved charge card only.

CIMB Bank


Yes. Only newly approved one. I received mine back in February

American Express (seriously)

The bag i got was shipped directly from a factory in Setapak (if my memory serves me correctly, could be somewhere else). It only has the American Express logo on the front. Built quality is quite good. Not using it laptop. Instead i use it to put my school books

Here you go Tinkerbel
AMEX Gold Charge Card


That's because HSBC will now automatically waive the annual fee provided you swipe your card AT LEAST 12 times in a calender year. This apply to the VISA Platinum credit card as well.

It is not a secret that the interest rate offered by HSBC is one of the least competitive in Malaysia but many people still bank with them because they are big and stable. Unlike the other big bank originated from the US. Sure you guys know which bank i am talking about

This post has been edited by MilesAndMore: Jun 3 2009, 01:16 AM

Many of its existing customers have also lost faith in them. Poor blue bank ...


And the rebate is so little ...


Wow ! That is unacceptable and outrageous ! You should lodge a complain.

Don't have to call yourself "kiasu". Everyone is like that. Nobody will help you when anything really goes wrong

The blue bank is very fussy when they were still making loads of money every year and expend their business like there is no tomorrow. Even to open an account needs special authorization and approval from branch manager

This post has been edited by MilesAndMore: Jun 3 2009, 06:28 PM