Maybank: Limited Version "SonyCard" Application Approved!

Recently, during the Maybank Treats Fair at Mid Valley, I decided to put in an application for credit card. There were a number of credit cards on showcase, so it took me a while to decide which card to apply for.

Finally, the consultant then informed that I could put in an application for a few cards, and the credit card processing department will choose one that I was most qualified for. So, I decided to put in an application for not only the Limited Version "SonyCard", but the American Express Gold Credit Card as well.

After waiting for two days, I received a text message on my mobile informing me that my application for the card was approved!

The card comes with exclusive Sony discounts, extended warranty, sale previews and more. Among its features include:
* Free For Life No Annual Fee.
* Up to 24 months' extended warranty on Sony products
* Built-in Visa Wave feature: just wave and go!
*10X Treat Points when purchasing Sony products at Sony Style, Sony Centre and selected Sony Designated Stores

Anyways, as I had only just started working in Malaysia recently, I was told only to provide

• A copy of 3 months pay-slip (original).
  
• A copy of my job offer from my Employer (original)
  
• A photocopy of my university degree (which was certified, in my case).
  

I was told it would only take 3 hours to receive the text message, but in my case as it was my first application, it took about 2 days. Well, that was an experience!

Since I was away when I received the text message, and had only just returned from Penang, I called the bank, and was informed that they still had the card with them, and would be forwarding the card to my home-branch for collection.

Oh well. Better safe than sorry sometimes. ^^ Can't wait to get my card!

Maybank Visa Debit: Online Shopping Enabled!

When Maybank Visa Debit was introduced to the Malaysian public, the people who used Paypal thought they'd finally have found another card for online shopping...

However, that took about another 12 months before that wish became a viable option..

Finally in the first week of July 2009, Maybank announced that Visa Debit was going online, a week after announcing the online enhancement security for their Credit Cards.

3 Easy Steps to register your Maybankard Visa Debit for online purchase:

Step 1 :
Login to Maybank2u.com and select Maybankard Secure Online Shopping Registration. Select "Utilities" function.

Step 2 :
Complete the enrolment process by entering the following information :

1. Card Number
2. MSOS Password
3. Confirm MSOS Password
4. PAM (Personal Assurance Message)
5. Expiry Date
6. CVV Number
7. Hint Question
8. Hint Answer
9. View screenshot

Step 3 :
Successful registration notification message will appear once registration is successful and complete.

Click here for more details.

Malaysia: Credit Cards Application (Part 1)

At the Maybank Treats Fair recently, their bank recently decided to up the Annum Income for ALL their Maybank cards to RM30,000.00 per year. They were also promoting their American Express Gold Credit Card and Limited Edition Sony Card. Both are Annual Fee-Free!

So I decided to have a look at the banks with their available cards for the new applicant. The information is gathered from the respective banks' websites.

All information is technically "correct" as of date of this entry. Please refer to the respective banks for more information before putting in a credit card application.

HSBC
Classic Cards- Mastercard or Visa
Income Per Annum: RM18,000.00
Annual Fee: RM80
Joining Fee: Waived.

CITIBANK
Choice Credit Card
Income Per Annum: RM18,000.00
Annual Fee: Nil - Subject to 2x transactions a month, otherwise a RM5.00 monthly fee will be charged.

Clear Card
Income Per Annum: RM18,000.00
Annual Fee: RM90.00

Gold Credit Card
Income Per Annum: RM 36,000
Annual Fee: RM195.00

Cash Back Credit Card
Income Per Annum: RM18,000.00
Annual Fee: RM90.00

EON BANK:

For Salary Earner:
	Latest Salary Slip OR
	Latest EA Form OR BE Form (together with payment receipt if any, to Lembaga Hasil Dalam Negeri)
For Commission Earner:
	Latest 3 months Commission Slip OR Salary Slip
	Latest BE Form (together with payment receipt if any, to Lembaga Hasil Dalam Negeri)

Classic Cards:
Income Per Annum: RM18,000.00
Gold Card:
Income Per Annum: RM30,000.00

Visa Wave' n Go Credit Card:
Classic
Income Per Annum: RM18,000
Gold
Income Per Annum: RM32,000

PUBLIC BANK
Classic Visa/Mastercard
Income Per Annum: RM18,000
Annual Fee: RM75

Gold
Income Per Annum: 25,000.00
Annual Fee: RM150

HONG LEONG
Classic Card
Income Per Annum: RM18,000.00
Annual Fee:

American Express:
Income Per Annum: RM18,000.00
Annual Fee:

American Express Gold
Income Per Annum: RM36,000.00
Annual Fee:

CIMB

(to be continued.....)

A Receipt is Important for Purchases.

Today, I found a great link for customers who want to return objects/gifts/purchases without a receipt, especially those times when it was a gift, or we lost the receipt.

How To Return Anything (Without A Receipt)

Citibank: Visa Debit charges for foreign transactions.

On Sunday (12th July), I sent an enquiry to Citibank online Customer Service, and received a reply yesterday (13th July).

My queries were:

I would like to ask what would be the charges payable for using the Citibank ATM card for transactions made overseas?
Transactions as in:
1) Purchases made in a retail shop, what are the charges payable?
2) Withdrawals overseas from non-Citibank ATM?
3) Withdrawals overseas

And the reverted reply was:

There are no Debit & ATM card specific charges. There is no charges if the withdrawal is made from an overseas Citibank ATM machine. However, RM10.00 will be charged per withdrawal if made via other network (PLUS, NYCE,STAR ). However, we are not able to advise the equivalent amount in RM for withdrawal in foreign currency as the rates used are not Citibank's quoted rates.

Please kindly note that the usage of Citicard for Islamic Banking and Flexihome Loan customers is restricted to Citbank Malaysia only.

That's a VERY good reason to start using Citibank ATM Debit Visa overseas if I won't be charged conversion fees per transaction, or any fees per transaction!