Cobrand Cards

Cobrand Master Card

Cobrand MasterCard is the company co-operator with bank or credit card issuer to offer the credit card along their company brand name.

Basically Cobrand Master Card can be divided into the following status, however, majority of the cobrand card offer only 1 status which is standard card.

Standard MasterCard Card

Enjoy payment flexibility, unsurpassed acceptance, MasterCard® Global ServiceTM,24-hour instant ATM cash access, 24-hour help in over 30 languages and more.

Gold MasterCard Card

Move up to Gold for even more purchasing power and benefits, including higher spending limits.

Platinum MasterCard Card

Get the ultimate in purchasing power and benefits. Enjoy even higher spending limits, plus all the benefits of the Gold and Standard Cards.

World MasterCard Card

The card that helps you create all the unique experiences in life.

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

All Cobrand Master Credit Cards

AFFIN Bank BHPetrol Touch & Fuel MasterCard

Annual Fee

Principle & Supplementary – Unknown

1st year waived, subsequent year FRRR with at least RM 2,400 spending/year

Joining Fee

Unknown

Annual Income

RM 24,000

Rebate

RM 100 – RM 1,500 = 0.4%

Above RM 1,500 = 0.8%

Off-Set Service Tax

No off-set, you must pay the Service Tax!

http://www.rmvalues.com/blog/2010/01/26/affin-bank-master-cobrand-credit-cards/


AFFIN Bank Touch ‘n Go Master Classic

Annual Fee

Principle – RM 50 , Supplementary – RM 35

Joining Fee

Unknown

Annual Income

RM 18,000

Rebate

RM 100 – RM 1,500 = 0.4%

Above RM 1,500 = 0.8%

Off-Set Service Tax

No off-set, you must pay the Service Tax!

http://www.rmvalues.com/blog/2010/01/26/affin-bank-master-cobrand-credit-cards/


AFFIN Bank Touch ‘n Go Master Gold

Annual Fee

Principle – RM 150 , Supplementary – RM 75

Joining Fee

Unknown

Annual Income

RM 36,000

Rebate

RM 100 – RM 1,500 = 0.4%

Above RM 1,500 = 0.8%

Off-Set Service Tax

No off-set, you must pay the Service Tax!

http://www.rmvalues.com/blog/2010/01/26/affin-bank-master-cobrand-credit-cards/


Alliance Bank Tiger FC Master Credit Card

Annual Fee

Principle & Supplementary – FREE

Free for life – No condition

Joining Fee

Free

Annual Income

RM 18,000

Reward

RM 1 = 2 PointsNever expired

Off-Set Service Tax

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

http://www.rmvalues.com/blog/2010/01/29/alliance-bank-master-cobrand-credit-cards/


Alliance Bank CPA Australia Master Gold Card

Annual Fee

Principle – Unknown , Supplementary – Unknown

Annual Fee Waiver (with condition must swipe at least 2 times within 30 days of approval)

Joining Fee

FREE

Annual Income

RM 18,000

Reward Point

RM 1 = 1 points (Never expired)

Off-Set Service Tax

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

http://www.rmvalues.com/blog/2010/01/29/alliance-bank-master-cobrand-credit-cards/


Alliance Bank Chinese Independent Schools (CIS) Master Gold Card

Annual Fee

Principle – RM 148 , Supplementary – RM 30

Annual Fee Waiver (spend RM5,000 p.a or just swipe 12
transactions p.a.)

Joining Fee

FREE

Annual Income

RM 18,000

Reward Point

RM 1 = 1 points (Never expired)

Off-Set Service Tax

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

http://www.rmvalues.com/blog/2010/01/29/alliance-bank-master-cobrand-credit-cards/


AmBank RealRewards MasterCard

Annual Fee

Principle – RM 90 , Supplementary – RM 45 (1st card FREE)

FREE-for-Life for Principal & Supplementary with no transaction condition

Joining Fee

Unknown

Annual Income

RM 18,000

Reward Point

RM 1 = 1 point AmBonus(valid for 3 years)

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

RM 1 = 1 point RealRewards

RM 1 = 2 points RealRewards on your birthday month at RealRewards merchant

Extra 20% RealRewards points for a minimum cumulative spending of RM500 and above quarterly at any participating RealRewards merchants.

Off-Set Service Tax

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

http://www.rmvalues.com/blog/2010/01/31/ambank-cobrand-master-credit-card/


MBSB-Bank Islam Credit Card

Annual Fee

Principle – RM 60 (Free with minimum of 12 transactions per annum.), Supplementary – RM 30

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/


CIMB Enrich Master Gold

Annual Fee

Principle – RM 168 (1st year waived, subsequent year based on usage), Supplementary – Nil

Less than RM 25,000 = No waiver

RM 25,000 – RM 49,999 = 50%

Above RM 50,000 = 100% waive

Joining Fee

FREE

Annual Income

RM 50,000

Reward

RM 6 = 1.5 Enrich point (Malaysia)

RM 4 = 2 Enrich 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/2010/02/10/cimb-bank-cobrand-enrich-master-credit-cards/


CIMB Enrich Master Platinum

Annual Fee

Principle – RM 388 (1st year waived, subsequent year based on usage), Supplementary – Nil

Less than RM 50,000 = No waiver

RM 50,000 – RM 99,999 = 50%

Above RM 100,000 = 100% waive

Joining Fee

FREE

Annual Income

RM 100,000

Reward

RM 6 = 1.5 Enrich point (Malaysia)

RM 4 = 2 Enrich 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/2010/02/10/cimb-bank-cobrand-enrich-master-credit-cards/


CIMB Enrich Master World

Annual Fee

Principle – RM 888 (1st year waived, subsequent year based on usage), Supplementary – Free for life without condition (up to 3 cards)

Less than RM 250,000 = No waiver

RM 250,000 – RM 500,000 = 50%

Above RM 500,000 = 100% waive

Joining Fee

FREE

Annual Income

By invitation only

Reward

RM 6 = 1.5 Enrich point (Malaysia)

RM 4 = 2 Enrich 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/2010/02/10/cimb-bank-cobrand-enrich-master-credit-cards/


CIMB Petronas Master Classic

Annual Fee

Principle – Free for life without condition, Supplementary – RM 35 (1st year waiver)

Joining Fee

FREE

Annual Income

RM 18,000

Rebate

2% rebate in Petronas service station (Max RM 50 rebate)

0.5% rebate for all other retail transactions.

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/2010/02/11/cimb-bank-cobrand-petronas-master-credit-cards/


CIMB Petronas Master Gold

Annual Fee

Principle – Free for life without condition, Supplementary – RM 70 (1st year waiver)

Joining Fee

FREE

Annual Income

RM 30,000

Rebate

2% rebate in Petronas service station (Max RM 50 rebate)

0.5% rebate for all other retail transactions.

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/2010/02/11/cimb-bank-cobrand-petronas-master-credit-cards/


CIMB Petronas Master Platinum

Annual Fee

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

Joining Fee

FREE

Annual Income

RM 80,000

Rebate

2% rebate in Petronas service station (Max RM 50 rebate)

0.5% rebate for all other retail transactions.

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/2010/02/11/cimb-bank-cobrand-petronas-master-credit-cards/


CIMB Islamic Petronas Master Gold

Annual Fee

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

Joining Fee

FREE

Annual Income

RM 18,000

Rebate

2% rebate – Petronas service stations (Max RM 50)

0.5% rebate – all other retail transactions

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/2010/02/18/cimb-islamic-bank-cobrand-petronas-master-credit-card/


CitiBank Air Asia Master Silver

Annual Fee

Principle – RM 70 (1st year free if use your card 3 times within 60 days.), Supplementary – FREE

Joining Fee

Unknown

Annual Income

RM 18,000

Reward

RM 1 = 1 AA point (Carried forward balance less than RM 2,000)

RM 1 = 2 AA points (Carried forward balance above RM 2,000)

Off-Set Service Tax

Principle – 13,000 points , Supplementary – 6,500 points

http://www.rmvalues.com/blog/2010/02/25/citibank-cobrand-master-credit-card/


CitiBank Air Asia Master Gold

Annual Fee

Principle – RM 180 (1st year free if use your card 3 times within 60 days.), Supplementary – FREE

Joining Fee

Unknown

Annual Income

RM 18,000

Reward

RM 1 = 1 AA point (Carried forward balance less than RM 2,000)

RM 1 = 2 AA points (Carried forward balance above RM 2,000)

Off-Set Service Tax

Principle – 13,000 points , Supplementary – 6,500 points

http://www.rmvalues.com/blog/2010/02/25/citibank-cobrand-master-credit-card/


EON Bank MATTA Gold Master Card

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 MATTA 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/2010/02/27/eon-bank-cobrand-master-card-association/


EON Bank MATTA Platinum Master Card

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 MATTA 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/2010/02/27/eon-bank-cobrand-master-card-association/


EON Bank Audi Circle Platinum Master Card

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/2010/02/28/eon-bank-cobrand-master-card-automobile/


EON Bank Ming Heng Gold Master Card

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/2010/02/28/eon-bank-cobrand-master-card-automobile/


EON Bank Ming Heng Platinum Master Card

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 60,000

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/2010/02/28/eon-bank-cobrand-master-card-automobile/


INGIAFAM-EON Bank Business Cash Back Gold

Annual Fee

Principle – RM 150 , Supplementary – RM 75

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

Joining Fee

FREE

Annual Income

RM 32,000

Reward/Rebate

RM 1 = 1 points

2% rebate on ING Life Annual Premium Transactions

0.5% rebate on all retail transactions

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/2010/03/01/eon-bank-cobrand-master-card-insurance/


INGIAFAM-EON Bank Business Cash Back Platinum

Annual Fee

Principle – RM 300 , Supplementary – RM 150

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

Joining Fee

FREE

Annual Income

RM 80,000

Reward/Rebate

RM 1 = 1 points

2% rebate on ING Life Annual Premium Transactions

0.5% rebate on all retail transactions

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/2010/03/01/eon-bank-cobrand-master-card-insurance/


Eon Bank Pavilion 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 points

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/2010/03/02/eon-bank-cobrand-master-card-shopping/


Eon Bank Pavilion 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 points

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/2010/03/02/eon-bank-cobrand-master-card-shopping/


Eon Bank Pacific Master Gold

Annual Fee

Principle – RM 150 , Supplementary – RM 75

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

Joining Fee

FREE

Annual Income

RM 32,000

Reward/Rebate

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at Pacific

6% rebate when you spend above RM 1,500 at Pacific

0.5% rebate on all other transactions

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/2010/03/02/eon-bank-cobrand-master-card-shopping/


Eon Bank Pacific Master Platinum

Annual Fee

Principle – RM 300 , Supplementary – RM 150

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

Joining Fee

FREE

Annual Income

RM 80,000

Reward/Rebate

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at Pacific

6% rebate when you spend above RM 1,500 at Pacific

0.5% rebate on all other transactions

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/2010/03/02/eon-bank-cobrand-master-card-shopping/


Eon Bank The Store Master Gold

Annual Fee

Principle – RM 150 , Supplementary – RM 75

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

Joining Fee

FREE

Annual Income

RM 32,000

Reward/Rebate

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at The Store

6% rebate when you spend above RM 1,500 at The Store

0.5% rebate on all other transactions

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/2010/03/02/eon-bank-cobrand-master-card-shopping/


Eon Bank The Store Master Platinum

Annual Fee

Principle – RM 300 , Supplementary – RM 150

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

Joining Fee

FREE

Annual Income

RM 80,000

Reward/Rebate

RM 1 = 1 points

3% rebate when you spend less than RM 1,500 at The Store

6% rebate when you spend above RM 1,500 at The Store

0.5% rebate on all other transactions

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/2010/03/02/eon-bank-cobrand-master-card-shopping/


MBF Budimas Gold MasterCard

Annual Fee

Principle – RM 225 (1 year waiver, subsequent year 50% waiver), Supplementary – RM 125

Off-set by BonusLink point = Principle – 10,000 points (we assume 5,000 points due to 50% waiver) , Supplementary – 2,000 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/2010/03/30/mbf-cards-cobrand-mastercard/


MBF Poh Kong 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

Rebate/Reward

1% SmartRinggit of purchases at Poh Kong

RM 10 = 3 BonusLink points

Off-Set Service Tax

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

http://www.rmvalues.com/blog/2010/03/30/mbf-cards-cobrand-mastercard/


OCBC Great Eastern Cobrand Titanium MasterCard

Annual Fee

Principle – RM 68 , Supplementary – RM 28

Joining Fee

Unknown

Annual Income

RM 36,000

Rebate
Retail Rebate (up to RM 2,000/year)
RM 1 – RM 6,000 = 0.5%
RM 6,001 – RM 20,000 = 0.75%
Above RM 20,000 = 2%

Great Eastern Insurance Rebate(via Great Eastern Easi-Pay Service only)
2% rebate, up to Max RM 120

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/03/11/ocbc-great-eastern-cobrand-master-credit-cards/


OCBC Great Eastern Cobrand Platinium MasterCard

Annual Fee

Principle – RM 138 , Supplementary – RM 38

Joining Fee

Unknown

Annual Income

RM 100,000

Rebate
Retail Rebate (up to RM 3,000/year)
RM 1 – RM 6,000 = 0.5%
RM 6,001 – RM 20,000 = 1%
Above RM 20,000 = 3%

Great Eastern Insurance Rebate(via Great Eastern Easi-Pay Service only)
3% rebate, up to Max RM 450

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/03/11/ocbc-great-eastern-cobrand-master-credit-cards/


PB ING Credit MasterCard PayPass Card

Annual Fee

Principle – RM 68 , Supplementary – RM 38

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
Retail Transaction
Up to RM 3,000 = 0.3%
Up to RM 10,000 = 0.5%
Above RM 10,000 = 0.6%

ING Insurance Transaction
2% rebate (up to RM 2,000/year)

Off-Set Service Tax

You must pay the service tax.

http://www.rmvalues.com/blog/2010/03/13/public-bank-ing-cobrand-credit-card/


RHB PlusOne Master Card

Annual Fee

Principle – RM 68 , Supplementary – RM 20

Joining Fee

Free

Annual Income

RM 18,000

Rebate

2% rebate at Senheng and SenQ

0.5% rebate for other retail purchases

Off-Set Service Tax

You must pay the service tax!

http://www.rmvalues.com/blog/2010/03/17/rhb-plusone-credit-card/


Standard Chartered Amway 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/2010/03/19/standard-chartered-amway-master-credit-cards/


Standard Chartered Amway 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/2010/03/19/standard-chartered-amway-master-credit-cards/


UOB CIMA Gold MasterCard

Annual Fee

Principle – Free for life without condition , Supplementary – RM 30 administration fee/year

Joining Fee

RM 100 (waived)

Annual Income

RM 24,000

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/2010/03/23/uob-cima-cobrand-master-gold-card/