Cash rebate credit cards are getting popular. More and more card issuers introduce cards with this features and many cardholders prefer this kind of benefits rather than reward points.

Due to so many choices, consumers may get confuse and do not know which card to apply. Hopefully, with this compilation or comparison, it will easier for them.

The table below is the list of cards that offers excellent cash rebate to the cardholders throughout the year. Bear in mind that cards that have limited time cash rebate or cash rebate promotions are excluded from the list.

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Priority banking is a preferential treatment service granted to a select group of customers in a bank usually to high net worth personal. They are usually invited to enjoy this service based on amount of deposits, investments or housing loan with the bank.

Refer to table in the later section of this post to see the minimum deposit to be eligible.

Some of the benefits offer by Priority Banking are;

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fixed deposit

Fixed Deposit is known to be one of the most secure investment but with a lower return. If you like to invest your money in fixed deposit you may choose from the list below to maximize your return.

Since July 2010, fixed deposit rate does not change very much because Bank Negara maintain the OPR at 2.75% since then. However, banks do make some adjustment to their rate.

The table below are the latest conventional fixed deposit rate as of December 2010.

You may look at this page for the most up to date rates. Alternatively you may want to look at Islamic Fixed Deposit or General Investment Account (GIA-i) rates.

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Citibank Global Transfer gives you the convenience of transferring funds online instantly between your own Citibank accounts and other Citibank accounts across Asia-Pacific. It can be done at ay times, 24 hours a day, 7 days a week through your online banking account.

With Citibank Global Transfer, you have an option for fund transfers in local currency or other foreign currency. Every transfer subjected to flat transfer fee of USD10 per transaction.

There is no minimum amount you can transfer per transaction. However, there is a maximum limit up to USD 12,500 per day and multiple transactions is allowed.

To set up a Citibank Global Transfer, you just need the recipient’s name and account number. Funds are debited from your account and credited to the recipient’s account instantly.

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Citibank launched a new overdraft facility called Citibank Ready Credit (CRC). It is a personal overdraft facility without collaterals targeting at working professionals aged between 24 to 55 with an annual income of a minimum RM24,000.

The Citibank Ready Credit is a “pay-as-you-use” overdraft facility with credit line between RM5,000 and RM120,000. Depending on individual profile, the interest rate is between 12 per cent to 18 per cent a year. For comparison credit card interest rate is fixed at a maximum of 18 per cent a year.

With a personalised Visa debit automated teller machine card and cheque book, the product allows access to instant cash and no cash advance fee is imposed.

Below are the benefits of Citibank Ready Credit (CRC)

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