All Cards

Service Tax Chargeable When Credit Cards and Charge Cards are Issued or Renewed

All Master Credit Cards issued by All Banks (except Cobrand cards)

AEON Master Classic

Annual Fee

Principle – RM 30 , Supplementary – RM 20

1st year Free, Subsequent year minimum 12 transaction/year

Joining Fee

Free

Annual Income

RM 18,000

Reward

RM 1 = 1 Points Never expired

Off-Set Service Tax

Principle – 12,500 points , Supplementary – 6,250 points

http://www.rmvalues.com/blog/2010/01/24/aeon-master-credit-card/


Alliance Bank Cash Back Master Classic

Annual Fee

Principle – RM 68 , Supplementary – RM 20

Annual Fee Waiver (spend a minimum of RM5,000 or swipe 12 times within a 12-month period)

Joining Fee

FREE

Annual Income

RM 18,000

Rebate + Reward Point

RM 0 – RM 200 = 0.5%

RM 201 – RM 350 = 0.6%

RM 351 – RM 650 = 0.8%

RM 651 – RM 1,000 = 1.20%

Above RM 1,000 = 0% (yes, no rebate)

RM 1 = 1 point (Never expired)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/27/alliance-bank-cash-back-master-credit-cards/


Alliance Bank Cash Back Master Gold

Annual Fee

Principle – RM 148 , Supplementary – RM 30

Annual Fee Waiver (spend a minimum of RM5,000 or swipe 12 times within a 12-month period)

Joining Fee

FREE

Annual Income

RM 36,000

Rebate + Reward Point

RM 0 – RM 300 = 0.55%

RM 301 – RM 600 = 0.65%

RM 601 – RM 950 = 0.85%

RM 951 – RM 3,000 = 1.30%

Above RM 3,000 = 0% (yes, no rebate)

RM 1 = 1 point (Never expired)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/27/alliance-bank-cash-back-master-credit-cards/


Alliance Bank Cash Back Master Platinum

Annual Fee

Principle – RM 438 , Supplementary – FREE

Annual Fee Waiver (spend a minimum of RM5,000 or swipe 12 times within a 12-month period)

Joining Fee

FREE

Annual Income

RM 80,000

Rebate + Reward Point

RM 0 – RM 500 = 0.60%

RM 501 – RM 1,350 = 0.70%

RM 1,351 – RM 2,550 = 0.90%

RM 2,551 – RM 5,000 = 2%

Above RM 5,000 = 0% (yes, no rebate)

RM 1 = 1 point – Malaysia (Never expired)

RM 1 = 2 points – Oversea (Never expired)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/27/alliance-bank-cash-back-master-credit-cards/


Alliance Bank You:nique Rates Card

Annual Fee

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (swipe 12 times within a 12-month period)

Joining Fee

RM 38

Annual Income

RM 18,000

Financial Charge

1st 12 months for only 9% p.a.

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/28/alliance-bank-younique-picture-master-credit-cards/


Alliance Bank You:nique Rebates Card

Annual Fee

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (swipe 12 times within a 12-month period)

Joining Fee

RM 38

Annual Income

RM 18,000

Rebate + Reward Point

RM 0 – RM 500 = 0.5%

RM 501 – RM 1,350 = 0.7%

RM 1,351 – RM 2,550 = 0.9%

RM 2,551 – RM 5,000 = 2%

Above RM 5,000 = 0% (yes, no rebate)

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/28/alliance-bank-younique-picture-master-credit-cards/


Alliance Bank You:nique Rewards Card

Annual Fee

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (swipe 12 times within a 12-month period)

Joining Fee

RM 38

Annual Income

RM 18,000

Reward Point

RM 1 = 2 points

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/28/alliance-bank-younique-picture-master-credit-cards/


AmBank MasterCard Classic

Annual Fee

Principle – RM 75 (2 years waived), Supplementary – FREE (1st 3 cards)

Joining Fee

Unknown

Annual Income

RM 18,000

Reward Point

RM 1 = 1 point (valid for 3 years)

RM 1 = 2 points at selected merchants (valid for 3 years)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/30/ambank-mastercard-credit-cards/


AmBank MasterCard Gold

Annual Fee

Principle – RM 150 (2 years waived), Supplementary – FREE (1st 3 cards)

Joining Fee

Unknown

Annual Income

RM 24,000

Reward Point

RM 1 = 1 point (valid for 3 years)

RM 1 = 2 points at selected merchants (valid for 3 years)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/30/ambank-mastercard-credit-cards/


AmBank MasterCard Platinum

Annual Fee

Principle – RM 688 (Free Annual Fee with condition 12 transactions p.a. OR Card spend (retail/cash advance only) above RM12,000 p.a OR has a minimum monthly interest bearing outstanding balance of RM5,000.), Supplementary – RM 188

Joining Fee

Unknown

Annual Income

RM 90,000

Reward Point

RM 1 = 1 point (valid for 3 years)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/01/30/ambank-mastercard-credit-cards/


Bank Islam Master Classic Card

Annual Fee

Principle – RM 60 , Supplementary – RM 30

Annual fee is waived subject to a minimum of 12 transactions per annum.

Joining Fee

FREE

Annual Income

RM 18,000

Rebate/Reward

N/A

Off-Set Service Tax

Principle – Unknown , Supplementary – Unknown

http://www.rmvalues.com/blog/2010/02/02/bank-islam-master-credit-cards/


Bank Islam Master Classic Gold

Annual Fee

Principle – RM 130 , Supplementary – RM 60

Annual fee is waived subject to a minimum of 12 transactions per annum.

Joining Fee

FREE

Annual Income

RM 36,000

Rebate/Reward

N/A

Off-Set Service Tax

Principle – Unknown , Supplementary – Unknown

http://www.rmvalues.com/blog/2010/02/02/bank-islam-master-credit-cards/


Bank Islam Master Classic Platinum

Annual Fee

Principle – RM 388 , Supplementary – RM 150

Annual fee is waived subject to a minimum of 12 transactions per annum.

Joining Fee

FREE

Annual Income

RM 84,000

Rebate/Reward

N/A

Off-Set Service Tax

Principle – Unknown , Supplementary – Unknown

http://www.rmvalues.com/blog/2010/02/02/bank-islam-master-credit-cards/


Bank Rakyat MasterCard Classic

Annual Fee

Principle – FREE, Supplementary – FREE

Joining Fee

Unknown

Annual Income

RM 18,000

Rebate

Profit Rebate (‘Tabung Umrah’/Holiday) – Unknown %

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/04/bank-rakyat-master-credit-cards/


Bank Rakyat MasterCard Gold

Annual Fee

Principle – FREE, Supplementary – FREE

Joining Fee

Unknown

Annual Income

RM 36,000

Rebate

Profit Rebate (‘Tabung Umrah’/Holiday) – Unknown %

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/04/bank-rakyat-master-credit-cards/


BSN MasterCard Standard

Annual Fee

Principle – RM 60, Supplementary – RM 30

Government workers enjoy 3 years waiver and subsequent year based on usage;

Non government workers enjoy 1 year waiver and subsequent year based on usage

RM 1,200 – RM 1,999 = Principle RM 45 ; Supplementary RM 22.50

RM 2,000 – RM 2,999 = Principle RM 30 ; Supplementary RM 15

RM 3,000 – RM 3,999 = Principle RM 15 ; Supplementary RM 7.50

Above RM 4,000 = FREE (both Principle and Supplementary)

Joining Fee

Unknown

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/07/bank-simpanan-nasional-master-credit-card/


BSN MasterCard Emas

Annual Fee

Principle – FREE, Supplementary – FREE

Free for life without condition

Joining Fee

Unknown

Annual Income

RM 48,000

Reward

RM 1 = 1 point

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/07/bank-simpanan-nasional-master-credit-card/


BSN Al -Aiman MasterCard Standard

Annual Fee

Principle – RM 60, Supplementary – RM 30

Government workers enjoy 3 years waiver and subsequent year based on usage;

Non government workers enjoy 1 year waiver and subsequent year based on usage

RM 1,200 – RM 1,999 = Principle RM 45 ; Supplementary RM 22.50

RM 2,000 – RM 2,999 = Principle RM 30 ; Supplementary RM 15

RM 3,000 – RM 3,999 = Principle RM 15 ; Supplementary RM 7.50

Above RM 4,000 = FREE (both Principle and Supplementary)

Joining Fee

Unknown

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/08/bsn-al-aiman-master-credit-cards/


BSN Al -Aiman MasterCard Emas

Annual Fee

Principle – FREE, Supplementary – FREE

Free for life without condition

Joining Fee

Unknown

Annual Income

RM 48,000

Reward

RM 1 = 1 point

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/02/08/bsn-al-aiman-master-credit-cards/


CIMB Master Classic

Annual Fee

Principle – RM 70, Supplementary – RM 35

Off-set by Principle – 14,000 points ; Supplementary – 7,000 points

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/09/cimb-bank-master-credit-cards/


CIMB Master Gold

Annual Fee

Principle – RM 140, Supplementary – RM 70

Off-set by Principle – 28,000 points ; Supplementary – 14,000 points

Joining Fee

FREE

Annual Income

RM 30,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/09/cimb-bank-master-credit-cards/


CIMB Master Platinum

Annual Fee

Principle & Supplementary – Free for life without condition

Joining Fee

FREE

Annual Income

RM 80,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/09/cimb-bank-master-credit-cards/


CIMB Master World

Annual Fee

Principle & Supplementary – Free for life without condition

Joining Fee

FREE

Annual Income

RM 240,000

Reward

RM 1 = 1 point (Malaysia)

RM 1 = 2 points (Oversea)

Off-Set Service Tax

Principle – 10,000 points(RM 50) or 7,500 (RM 37.50) ; Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/09/cimb-bank-master-credit-cards/


CIMB Islamic Master Classic

Annual Fee

Principle – Free for life without condition, Supplementary – RM 35

Off-set annual fee = Supplementary – 7,000 points

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

http://www.rmvalues.com/blog/2010/02/12/cimb-islamic-bank-master-credit-cards/


CIMB Islamic Master Gold

Annual Fee

Principle – Free for life without condition, Supplementary – RM 70

Off-set annual fee = Supplementary – 14,000 points

Joining Fee

FREE

Annual Income

RM 30,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

http://www.rmvalues.com/blog/2010/02/12/cimb-islamic-bank-master-credit-cards/


CIMB Islamic Master Platinum

Annual Fee

Principle – Free for life without condition, Supplementary – Free for life without condition

Joining Fee

FREE

Annual Income

RM 80,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points (RM 50) or 7,500 (RM 37.50) or 5,000 points (RM 25) or 2,500 points (RM 12.50)

Supplementary – 5,000 points (RM 25) or 2,500 points (RM 12.50)

http://www.rmvalues.com/blog/2010/02/12/cimb-islamic-bank-master-credit-cards/


Citibank Master Gold Credit Card

Annual Fee

Principle – RM 195 or FREE Annual Fee up to 2 years (Just use your card 6 times within 60 days to enjoy a 2-year annual fee waiver OR 3 times within 60 days to enjoy a 1-year annual fee waiver), Supplementary – RM 100

Joining Fee

Unknown

Annual Income

RM 36,000

Reward

RM 1 = 1 point (never expired)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/20/citibank-master-credit-cards/


Citibank Master Platinum Credit Card

Annual Fee

Principle – RM 600 or FREE Annual Fee up to 2 years (Just use your card 6 times within 60 days to enjoy a 2-year annual fee waiver OR 3 times within 60 days to enjoy a 1-year annual fee waiver), Supplementary – RM 150

Joining Fee

Unknown

Annual Income

RM 100,000

Reward

RM 1 = 1 point (never expired)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/20/citibank-master-credit-cards/


Citibank Master Choice Credit Card

Annual Fee

Principle – RM 5 monthly (Free if swipe at least 2 times monthly), Supplementary – Free

Joining Fee

Unknown

Annual Income

RM 18,000

Reward

RM 1 = 1 point (never expired)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/20/citibank-master-credit-cards/


Citibank Master Clear Credit Card

Annual Fee

Principle – RM 90 or FREE Annual Fee up to 2 years (Just use your card 6 times within 60 days to enjoy a 2-year annual fee waiver OR 3 times within 60 days to enjoy a 1-year annual fee waiver), Supplementary – RM 60

Joining Fee

Unknown

Annual Income

RM 18,000

Reward

RM 1 = 1 point (never expired)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/02/20/citibank-master-credit-cards/


Eon Bank Master Classic

Annual Fee

Principle – RM 75 , Supplementary – RM 50

Both are 1st year FREE, subsequent year subject to 12 times transaction/year

Joining Fee

FREE

Annual Income

RM 18,000

Reward/Rebate

RM 1 = 1 point

1% renewal bonus of total annual spending with condition of at least 36 times transaction per annum.

Off-Set Service Tax

Swipe your cards for at least 36 times/year and you will get 1% rebate of your total annual spending, up to RM 50 (Principle) and RM 25 (Supplementary), meanwhile :

Principle – RM 5,000 annual spending with at least 36 times transactions , Supplementary – RM 2,500 annual spending with at least 36 times transactions

http://www.rmvalues.com/blog/2010/02/26/eon-bank-master-credit-cards/


Eon Bank Master Gold

Annual Fee

Principle – RM 150 , Supplementary – RM 75

Both are 1st year FREE, subsequent year subject to 24 times transaction/year

Joining Fee

FREE

Annual Income

RM 32,000

Reward/Rebate

RM 1 = 1 point

1% renewal bonus of total annual spending with condition of at least 36 times transaction per annum.

Off-Set Service Tax

Swipe your cards for at least 36 times/year and you will get 1% rebate of your total annual spending, up to RM 50 (Principle) and RM 25 (Supplementary), meanwhile :

Principle – RM 5,000 annual spending with at least 36 times transactions , Supplementary – RM 2,500 annual spending with at least 36 times transactions

http://www.rmvalues.com/blog/2010/02/26/eon-bank-master-credit-cards/


Eon Bank Master Platinum

Annual Fee

Principle – RM 300 , Supplementary – RM 150

Both are 1st year FREE, subsequent year subject to 36 times transaction/year

Joining Fee

FREE

Annual Income

RM 80,000

Reward/Rebate

RM 1 = 1 point

1% renewal bonus of total annual spending with condition of at least 36 times transaction per annum.

Off-Set Service Tax

Swipe your cards for at least 36 times/year and you will get 1% rebate of your total annual spending, up to RM 50 (Principle) and RM 25 (Supplementary), meanwhile :

Principle – RM 5,000 annual spending with at least 36 times transactions , Supplementary – RM 2,500 annual spending with at least 36 times transactions

http://www.rmvalues.com/blog/2010/02/26/eon-bank-master-credit-cards/


Hong Leong Bank Master Classic

Annual Fee

Principle – RM 80 , Supplementary – RM 40

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 1 = ? points

Off-Set Service Tax

Principle – 7,000 points, Supplementary – 3,500 points (member before 2008)

Principle – 12,000 points, Supplementary – 6,000 points (member since 2008)

http://www.rmvalues.com/blog/2010/03/05/hong-leong-bank-master-credit-cards/


Hong Leong Bank Master Gold

Annual Fee

Principle – RM 160 , Supplementary – RM 80

Joining Fee

FREE

Annual Income

RM 30,000

Reward

RM 1 = ? points

Off-Set Service Tax

Principle – 7,000 points, Supplementary – 3,500 points (member before 2008)

Principle – 12,000 points, Supplementary – 6,000 points (member since 2008)

http://www.rmvalues.com/blog/2010/03/05/hong-leong-bank-master-credit-cards/


Hong Leong Bank Master Platinum

Annual Fee

Principle – RM 400 , Supplementary – RM 200 (1st card Free)

Joining Fee

FREE

Annual Income

Unknown

Reward/Rebate

RM 1 = 2 point

RM 10,000 – RM 25,000 = 0.2%

RM 25,001 – RM 50,000 = 0.5%

Above RM 50,000 = 2%

Off-Set Service Tax

Principle – 7,000 points, Supplementary – 3,500 points (member before 2008)

Principle – 12,000 points, Supplementary – 6,000 points (member since 2008)

http://www.rmvalues.com/blog/2010/03/05/hong-leong-bank-master-credit-cards/


Hong Leong Bank Master Platinum Business

Annual Fee

Principle – RM 400 (Free if use 2 times per month for 12 months or minimum usage of RM 15,000 annually), Supplementary – RM 200

Joining Fee

FREE

Annual Income

RM 60,000

Reward/Rebate

N/A

Off-Set Service Tax

Principle – 7,000 points, Supplementary – 3,500 points (member before 2008)

Principle – 12,000 points, Supplementary – 6,000 points (member since 2008)

http://www.rmvalues.com/blog/2010/03/05/hong-leong-bank-master-credit-cards/


HSBC Bank Master Classic

Annual Fee

Principle – RM 80 (1st year waived), Supplementary – RM 40

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 1 = 1 point (valid for 3 years)

Off-Set Service Tax

Principle – 9,500 points, Supplementary – 5,500 points

http://www.rmvalues.com/blog/2010/03/06/hsbc-bank-master-credit-cards/


HSBC Bank Master Gold

Annual Fee

Principle – RM 160 (1st year waived), Supplementary – RM 80

Joining Fee

FREE

Annual Income

RM 40,000

Reward

RM 1 = 1 point (valid for 3 years)

Off-Set Service Tax

Principle – 9,500 points, Supplementary – 5,500 points

http://www.rmvalues.com/blog/2010/03/06/hsbc-bank-master-credit-cards/


HSBC Premier MasterCard

Annual Fee

Principle – RM 150/month , Supplementary – FREE

FREE if Average Total Relationship Balance more than RM 200,000

Joining Fee

FREE

Annual Income

Unknown

Reward/Rebate

Unknown

Off-Set Service Tax

Principle – 9,500 points, Supplementary – 5,500 points

http://www.rmvalues.com/blog/2010/03/07/hsbc-premier-mastercard/


MBF Classic MasterCard

Annual Fee

Principle – RM 160 (2 years waiver) , Supplementary – RM 100

Off-set by BonusLink point = Principle – 5,000 points , Supplementary – 1,500 points

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 1 = ? BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/24/mbf-cards-mastercard/


MBF Gold MasterCard

Annual Fee

Principle – RM 225 (2 years waiver) , Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points , Supplementary – 2,000 points

Joining Fee

FREE

Annual Income

RM 42,000

Reward

RM 1 = ? BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/24/mbf-cards-mastercard/


MBF Platinum MasterCard

Annual Fee

Principle – RM 450 (2 years waiver) , Supplementary – RM 275

Off-set by BonusLink point = Principle – 15,000 points , Supplementary – 2,500 points

Joining Fee

FREE

Annual Income

RM 80,000

Reward

RM 1 = ? BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/24/mbf-cards-mastercard/


MBF World MasterCard

Annual Fee

Principle – RM ? , Supplementary – RM ?

Off-set by BonusLink point = Principle – 20,000 points , Supplementary – 3,000 points

Joining Fee

FREE

Annual Income

By invitation only

Reward

RM 1 = ? BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/24/mbf-cards-mastercard/


MBF Lady Classic MasterCard

Annual Fee

Principle – RM 160 (2 years waiver) , Supplementary – RM 100

Off-set by BonusLink point = Principle – 5,000 points , Supplementary – 1,500 points

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 10 = 3 BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/25/mbf-cards-lady-mastercard/


MBF Lady Gold MasterCard

Annual Fee

Principle – RM 225 (2 years waiver) , Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points , Supplementary – 2,000 points

Joining Fee

FREE

Annual Income

RM 36,000

Reward

RM 10 = 3 BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/25/mbf-cards-lady-mastercard/


MBF Lady Platinum MasterCard

Annual Fee

Principle – RM 450 (2 years waiver) , Supplementary – RM 275

Off-set by BonusLink point = Principle – 15,000 points , Supplementary – 2,500 points

Joining Fee

FREE

Annual Income

RM 60,000

Reward

RM 10 = 3 BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/25/mbf-cards-lady-mastercard/


MBF Xuàn Classic MasterCard

Annual Fee

Principle – RM 160 (2 years waiver) , Supplementary – RM 100

Off-set by BonusLink point = Principle – 5,000 points , Supplementary – 1,500 points

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 10 = 3 BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/28/mbf-cards-xuan-mastercard/


MBF Xuàn Gold MasterCard

Annual Fee

Principle – RM 225 (2 years waiver) , Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points , Supplementary – 2,000 points

Joining Fee

FREE

Annual Income

RM 36,000

Reward

RM 10 = 3 BonusLink points

Off-Set Service Tax

Principle – 2,500 points, Supplementary – 1,250 points

http://www.rmvalues.com/blog/2010/03/28/mbf-cards-xuan-mastercard/


Maybankard MasterCard Classic

Annual Fee

Principle – RM 60 , Supplementary – RM 30

Joining Fee

FREE

Annual Income

RM 30,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points, Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/09/maybank-master-credit-cards/


Maybankard MasterCard Gold

Annual Fee

Principle – RM 130 , Supplementary – RM 65

Joining Fee

RM 150 (Waived if cardholder over 2 years)

Annual Income

RM 36,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points, Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/09/maybank-master-credit-cards/


Maybankard MasterCard Platinum

Annual Fee

Principle – RM 550 , Supplementary – RM 150

Joining Fee

FREE

Annual Income

RM 120,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points, Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/09/maybank-master-credit-cards/


OCBC Titanium MasterCard

Annual Fee

Principle – RM 250 (Waived if usage over RM 6,000/year) , Supplementary – RM 100

Joining Fee

Unknown

Annual Income

RM 36,000

Rebate

0.3% rebate

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/03/10/ocbc-bank-master-credit-cards/


OCBC Platinium MasterCard

Annual Fee

Principle – RM 600 , Supplementary – RM 150

Joining Fee

Unknown

Annual Income

By invitation only.

Rebate

0.5% rebate

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/03/10/ocbc-bank-master-credit-cards/


PB Executive MasterCard

Annual Fee

Principle – RM 88 , Supplementary – RM 48

Both 1st year are waived. Subsequent year subject to minimum 12 swipes per year with minimum 1 retail transaction/month.

Joining Fee

FREE

Annual Income

RM 18,000

Reward

RM 1 = 1 point (valid for 3 years)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/12/public-bank-master-credit-cards/


PB MasterCard Standard

Annual Fee

Principle – RM 75 , Supplementary – RM 45

Both 1st year are waived. Subsequent year subject to minimum 12 swipes per year with minimum 1 retail transaction/month.

Joining Fee

FREE

Annual Income

RM 18,000

Rebate

Up to RM 3,000 = 0.3%

Up to RM 10,000 = 0.5%

Above RM 10,000 = 0.6%

Off-Set Service Tax

You must pay the service tax.

http://www.rmvalues.com/blog/2010/03/12/public-bank-master-credit-cards/


PB Gold MasterCard

Annual Fee

Principle – RM 150 , Supplementary – RM 100

Both 1st year are waived. Subsequent year subject to minimum 12 swipes per year with minimum 1 retail transaction/month.

Joining Fee

RM 100 (Waived)

Annual Income

RM 25,000

Rebate

Up to RM 3,000 = 0.3%

Up to RM 10,000 = 0.5%

Up to RM 30,000 = 0.6%

Above RM 30,000 = 0.7%

Off-Set Service Tax

You must pay the service tax.

http://www.rmvalues.com/blog/2010/03/12/public-bank-master-credit-cards/


PB Platinum MasterCard

Annual Fee

Principle – RM 333 , Supplementary – RM 150

Both 1st year are waived. Subsequent year subject to minimum 12 swipes per year with minimum 1 retail transaction/month.

Joining Fee

Free

Annual Income

RM 25,000

Reward

Up to RM 5,000 – RM 1 = 1 point

Up to RM 10,000 – RM 1 = 1.5 points

Up to RM 30,000 – RM 1 = 2 points

Up to RM 60,000 – RM 1 = 2.5 points

Up to RM 100,000 – RM 1 = 3 points

Above RM 100,000 – RM 1 = 5 points

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points.

http://www.rmvalues.com/blog/2010/03/12/public-bank-master-credit-cards/


RHB Classic Master

Annual Fee

Principle – RM 70 , Supplementary – RM 40

Joining Fee

Free

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/14/rhb-bank-master-credit-cards/


RHB Gold Master

Annual Fee

Principle – RM 130 , Supplementary – RM 70

Joining Fee

Free

Annual Income

RM 48,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/14/rhb-bank-master-credit-cards/


RHB Platinum Master

Annual Fee

Principle – RM 500 , Supplementary – RM 200 (1st year waived)

Joining Fee

Free

Annual Income

RM 60,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/14/rhb-bank-master-credit-cards/


RHB Travel Money Master Card

Annual Fee

Principle – RM 70 , Supplementary – RM 40

Joining Fee

Free

Annual Income

RM 18,000

Reward/Rebate

RM 1 = 1 Air Miles Point (valid for 2 years)

20% of monthly total spending (only for transaction made on Weekdays), max RM 60/month.

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/15/rhb-travel-money-master-card/


RHB EVO Card

Annual Fee

Principle – RM 100 , Supplementary – RM 50

Joining Fee

Free

Annual Income

RM 18,000

Reward

RM 1 = 1 Point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/16/rhb-evo-master-card/


Standard Chartered Calssic Master Card

Annual Fee

Principle – RM 90 , Supplementary – RM 50

Joining Fee

RM 20 (waived)

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/18/standard-chartered-master-credit-cards/


Standard Chartered Gold Master Card

Annual Fee

Principle – RM 175 , Supplementary – RM 100

Joining Fee

RM 20 (waived)

Annual Income

RM 18,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/18/standard-chartered-master-credit-cards/


Standard Chartered Platinum Master Card

Annual Fee

Principle – RM 250 , Supplementary – RM 135

Joining Fee

RM 100 (waived)

Annual Income

RM 60,000

Reward

RM 1 = 1 point (Malaysia)

RM 1 = 3 points (Oversea)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/18/standard-chartered-master-credit-cards/


UOB Club Plus MasterCard Gold

Annual Fee

Principle – Free , Supplementary – Free

Both Free for life with no condition

Joining Fee

Free

Annual Income

RM 48,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/20/uob-bank-club-plus-master-credit-cards/


UOB Club Plus MasterCard Platinum

Annual Fee

Principle – Free , Supplementary – Free

Both Free for life with no condition

Joining Fee

Free

Annual Income

RM 70,000

Reward

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/20/uob-bank-club-plus-master-credit-cards/


UOB Lady’s Mastercard Classic

Annual Fee

Principle – RM 68 , Supplementary – RM 30

Both Free if swip 12 transaction/year with at least 1 transaction/month for 12 months each.

Joining Fee

Free

Annual Income

RM 18,000

Reward/Rebate

Unknown % rebate at participating SMART$ merchants.

RM 1 = 1 point

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/21/uob-bank-ladys-master-credit-cards/


UOB Lady’s Mastercard Platinum

Annual Fee

Principle – RM 388 , Supplementary – RM 30

Both Free if spend at least RM 3,000 + swip 12 transaction/year with at least 1 transaction/month for 12 months each.

Joining Fee

Free

Annual Income

RM 48,000

Reward/Rebate

Unknown % rebate at participating SMART$ merchants.

RM 1 = 1 point (Malaysia)

RM 1 = 2 points (Oversea)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/21/uob-bank-ladys-master-credit-cards/


UOB Preferred Platinum Master

Annual Fee

Principle – RM 388 , Supplementary – RM 30

Both Free if spend at least RM 3,000 + swip 12 transaction/year with at least 1 transaction/month for 12 months each.

Joining Fee

Free

Annual Income

RM 70,000

Reward/Rebate

Unknown % rebate at participating SMART$ merchants.

RM 1 = 1 point (Malaysia)

RM 1 = 2 points (Oversea)

Off-Set Service Tax

Principle – 10,000 points , Supplementary – 5,000 points

http://www.rmvalues.com/blog/2010/03/22/uob-bank-preferred-platinum-master-credit-card/