Credit Card


Maybankard 2 Cards offers two credits cards together to a card members with one signup. They will issued an American Express and a MasterCard credit card together and have a choice of Gold and Platinum.

With Maybankard 2 Cards, card members will enjoy the lowest finance charge of 8.88% per annum on outstanding balance and only a RM50 service tax charge for the two cards.

The other main benefits of Maybankard 2 Cards are;

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Credit card users are encourage to disipline themself when spending and make their monthly payment promptly. This is because credit card interest rates for outstanding balance is very high. The best practise is to make full payment on all outstanding balance every month.

Most banks in Malaysia offered tiered interest as per Bank Negara Malaysia (BNM) credit card interest rate structure which last revised in March 2009.

The tiered interest rate structure rewards those who pay their credit card bills promptly. Below are the details on tiered credit card interest rate structure.

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AMEX

In conjunction with its 50th anniversary, Maybank as a licence holders of AMEX cards in Malaysia, is having a campaign where AMXE card holders will enjoy 15% cash back at all American Express Card accepting merchants in the selected malls. However, supermarkets/hypermarkets, hotels & their F&B outlets located in selected malls are excluded.

This promotion is similar 15% cash back campaign by American Express last year. The promotion is valid until 28 February 2011. All American Express Cards (Credit & Charge) issued by Maybank and Maybank Islamic are eligible to enjoy this promotion. However American Express Corporate Cards are not eligible.

To participate, you have to register your AMEX card via SMS. To register, send SMS through your mobile number by typing “Cashback {space} 15-digits card no” to 62628.

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standard chartered

Standard Chartered Preferred Banking is a banking facility targeted to mass affluent market. Mass affluent refer to those with monthly income of more than RM6,000 or those with investible assets between RM72,000 and RM250,000. Currently, there are roughly two million mass affluent Malaysians.

Preferred Banking offers points for customers who use the Preferred Banking credit card, and rewards them with more points if they make online transactions, or have an investment, or a deposit account. They can redeem prizes with these points. Customers also will be served by relationship managers.

Below are the benefits of Standard Chartered Preferred Banking

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Credit Card

OCBC is upgrading their existing titanium credit card to offer an excellent cash rebate on all transaction made. The highest cash  rebate is 5% based on spending made on petrol, grocery, bills and dining. On other transaction, they offering 1% rebate.

On top of cash rebate, they also offer sign-up offers such as 0% interest, 0% balance transfer and no annual fee for first year. For subsequent years annual fees will be waive with 12 times transaction on previous year.

OCBC also may pay your annual RM50 government service tax is you spend more than RM10,000 per year.

Below are the details on OCBC Titanium Credit Card

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