Public Bank Master Credit Cards
by RMvalues on Mar.12, 2010, under Banking & Finance
Public Bank offers 4 classes of Master credit cards, Executive and Platinum MasterCard give only reward points while MasterCard Standard and Gold MasterCard give you Cash rebate.
Public Bank also is one of the highest charges on Conversion For Overseas Transactions (Determined by MasterCard International + 1.25% of administration cost). Where you know from our previous post, HSBC bank also charge 1.25%.
PB Executive MasterCard
Benefit
- RM1 = 1 Premium Points (valid for 3 years)
- Free Automatic Travel Insurance of RM 300,000 when you charge your full travel arrangements to your Card.
- Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).
Annual Income – RM 18,000
Annual Fee – Principle RM 88, Supplementary RM 48
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.
PB MasterCard Standard
Benefit
- Cash MegaBonus earned will be accumulated over 12 months and credited directly to the Card Account on the 13th month, upon renewal of the Cardmembership.
*Total Monthly Retail Purchasesup to RM 3,000 0.3% up to RM 10,000 0.5% RM 10,001 and above 0.6% - Free Automatic Travel Insurance of RM 300,000 when you charge your full travel arrangements to your Card.
- Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).
Annual Income – RM 18,000
Annual Fee – Principle RM 75, Supplementary RM 45
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.
PB Gold MasterCard
Benefit
- Cash MegaBonus earned will be accumulated over 12 months and credited directly to the Card Account on the 13th month, upon renewal of the Cardmembership.
*Total Monthly Retail Purchasesup to RM 3,000 0.3% up to RM 10,000 0.5% up to RM 30,000 0.6% RM 30,001 and above 0.7% - Free Automatic Travel Insurance of RM 1,000,000 when you charge your full travel arrangements to your Card.
- Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).
- Covered by a broad array of emergency assistance services while travelling abroad.
- Open a Current Account at any Public Bank branch without an introducer.
Annual Income – RM 25,000
Annual Fee – Principle RM 150, Supplementary RM 100
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.
PB Platinum MasterCard
Benefit
- Earn Reward Points
*Total Monthly Retail Purchasesup to RM 5,000 RM 1 = 1 point up to RM 10,000 RM 1 = 1.5 point up to RM 30,000 RM 1 = 2 point up to RM 60,000 RM 1 = 2.5 point up to RM 100,000 RM 1 = 3 point Above RM 100,000 RM 1 = 5 point - Free Automatic Travel Insurance of RM 2,000,000 when you charge your full travel arrangements to your Card.
- Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).
- Open a Current Account at any Public Bank branch without an introducer.
- 24 hours Dedicated Platinum Prority Line
- 24 hours Concierge Services.
- Purchase protection plan
- Airline Miles Redemption
- Personalise Travel Services
Annual Income – RM 80,000
Annual Fee – Principle RM 333, Supplementary RM 150
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.
Eligibility – Principle 21 years old, Supplementary 18 years old
| Joining Fee | N/A RM 100 – Gold card (waived) |
| Cash Advance Fee | Minimum RM 20 or 5% |
| Minimum Monthly Repayment | Minimum RM 50 or 5% |
| Over-limit Fee | Unknown |
| Late Payment Charge | Minimum RM 5 or 1%, capped on RM 50 |
| Interest Free Period | 20 days |
| Card Replacement Fee | 1st card – RM 50 2nd card – RM 100 3rd card – RM 150 |
| Conversion For Overseas Transactions | Determined by MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%. |
| Sales Draft Request | RM 15/request |
| Statement Request | RM 5/request |
For more information, please visit http://www.pbebank.com/
OCBC Great Eastern Cobrand Master Credit Cards
by RMvalues on Mar.11, 2010, under Banking & Finance
OCBC Great Eastern Cobrand Titanium MasterCard
Benefit
- Rebate for your retail purchases (Including petrol)
* Monthly rebate tierRM 1 – RM 6,000 0.5% RM 6,000.01 – RM 20,000 0.75% Above RM 20,000 2% Maximum Retail Spend Rebate per Year RM 2,000 - Great Eastern / OAC Insurance rebate (via auto debit service)
Great Eastern Insurance Premium Rebate (via Great Eastern Easi-Pay Service only) 2% Maximum Insurance Premium Amount per Year RM 6,000 Maximum Insurance Premium Rebate per Year RM 120 - Free up to RM 3,000 Travel Inconvenience Benefits when you charge your full air fare to your OCBC Titanium MasterCard
Annual Income – RM 36,000
Annual Fee – Principle RM 68, Supplementary RM 28
OCBC Great Eastern Cobrand Platinium MasterCard
Benefit
- Rebate for your retail purchases (Including petrol)
* Monthly rebate tierRM 1 – RM 6,000 0.5% RM 6,000.01 – RM 20,000 1% Above RM 20,000 3% Maximum Retail Spend Rebate per Year RM 3,000 - Great Eastern / OAC Insurance rebate (via auto debit service)
Great Eastern Insurance Premium Rebate (via Great Eastern Easi-Pay Service only) 3% Maximum Insurance Premium Amount per Year RM 15,000 Maximum Insurance Premium Rebate per Year RM 450 - Free up to RM 5,000 Travel Inconvenience Benefits when you charge your full air fare to your OCBC Platinium MasterCard
- Free up to RM 2,000,000 Travel Personal Accident Insurance when you charge your full air fare to your OCBC Platinium MasterCard
- Concierge Services
- Dedicated Customer Support hotline.
Annual Income – RM 100,000
Annual Fee – Principle RM 138, Supplementary RM 38
Eligibility – Principle 21 years old, Supplementary 18 years old
| Joining Fee | Unknown |
| Cash Advance Fee | Minimum RM 15 or 5% |
| Minimum Monthly Repayment | Minimum RM 50 or 5% |
| Over-limit Fee | Minimum RM 50 or 5% |
| Late Payment Charge | Minimum RM 5 or 1%, capped on RM 50 |
| Interest Free Period | 20 days |
| Card Replacement Fee | RM 30 |
| Conversion For Overseas Transactions | Determined by MasterCard Worldwide + a standard administration charge of 1% + any transaction fee levied by MasterCard Worldwide. |
| Sales Draft Request | RM 15 RM 25 for original copy |
| Statement Request | Current – 2 months – Free 3 – 12 months – RM 5/statement Above 12 months – RM 30/statement |
For more information, please visit http://www.ocbccards.com.my/
OCBC Bank Master Credit Cards
by RMvalues on Mar.10, 2010, under Banking & Finance
Some of you must be curious, why today our topic isn’t MBF Master Credit Cards, but OCBC Bank Master Credit Cards. This is because we couldn’t find the fee charges of the MBF credit cards and we have already sent MBF an email regarding to this issue for official answer.
We have received an email from MBF said that they have already received our email and we hope soon we will get response from MBF and we will post their credit cards information in later time.
At the mean time, let’s we continue to the next bank – OCBC bank offers. 
OCBC Titanium MasterCard
Benefit
- 0.3% Cash Back
- Free Access to Airport Lounge @ KLIA (When you charge at least RM 3,000 on air tickets and travel packages.)
- Free up to RM 3,000 Travel Inconvenience Benefits when you charge your full air fare to your OCBC Titanium MasterCard
Annual Income – RM 36,000
Annual Fee – Principle RM 250 (Waive if usage over RM6,000 annually), Supplementary RM 100
OCBC Platinium MasterCard
Benefit
- 0.5% Cash Back
- Free Access to Airport Lounge @ KLIA
- Free up to RM 5,000 Travel Inconvenience Benefits when you charge your full air fare to your OCBC Platinium MasterCard
- Free up to RM 2,000,000 Travel Personal Accident Insurance when you charge your full air fare to your OCBC Platinium MasterCard
- Concierge Services
- Dedicated Customer Support hotline.
Annual Income – By Invitation only.
Annual Fee – Principle RM 600, Supplementary RM 150
Eligibility – Principle 21 years old, Supplementary 18 years old
| Joining Fee | Unknown |
| Cash Advance Fee | Minimum RM 15 or 5% |
| Minimum Monthly Repayment | Minimum RM 50 or 5% |
| Over-limit Fee | Minimum RM 50 or 5% |
| Late Payment Charge | Minimum RM 5 or 1%, capped on RM 50 |
| Interest Free Period | 20 days |
| Card Replacement Fee | RM 30 |
| Conversion For Overseas Transactions | Determined by MasterCard Worldwide + a standard administration charge of 1% + any transaction fee levied by MasterCard Worldwide. |
| Sales Draft Request | RM 15 RM 25 for original copy |
| Statement Request | Current – 2 months – Free 3 – 12 months – RM 5/statement Above 12 months – RM 30/statement |
For more information, please visit http://www.ocbccards.com.my/
