Tag Archives: HLB

Highest Fixed Deposit Promotions Interest Rates April May and June 2014

I just updated my Fixed Deposit Page at my main blog. To find out which banks are offering high/attractive interest rates for Fixed Deposit for April, May and June 2014, please click on the link below:


Check out OCBC 12 months and 18 months Straight Forward FD which do not require the stupid CASA thingy.

And don’t be mislead by Maybank claiming that their Step Up FD 12 month Promo is offering 3.88% effective interest rate.

Other Banks’ Fixed Deposit Promotions mentioned in my FD Page are from Affin Bank, UOB Bank, Public Bank, Bank Rakyat and Hong Leong Bank.

And in my FD Page, I have tips as to how to maximize earning higher effective interest rates for FD promos requiring you to deposit x% into CASA, especially on OCBC FD deals.

Hong Leong Bank Visa Infinite Credit Card Review

Hong Leong Bank has finally launched their Visa Infinite, not one but 2 versions.

However, you better read the terms and conditions of the Hong Leong Bank Visa Infinite benefits, else you will be pissed of big time especially in regards to the FREE airport lounge access. I got no idea if the HLB VI only allows FREE entry to KLIA Plaza Premium  Lounge or airport lounges worldwide. But it makes no difference to me because one is a fool to use the HLB Visa Infinite for their expenses and earn less Enrich Miles compared to other credit cards which includes an Entry Level Gold credit card.

To learn more about the Hong Leong Bank Visa Infinite benefits versus Alliance Bank Visa Infinite vs Maybank Visa Infinite vs UOB Visa Infinite including versus the Entry Level Maybankard 2 Card Gold AMEX, click on the link or image below:

Hong Leong Bank Visa Infinite Credit Card

Hong Leong Bank Visa Infinite – First and Last Look.

If you don’t read my article mentioned above, you will regret later knowing that  others only need to spend 50% less in order to earn the same Enrich Miles compared to the Hong Leong Bank Visa Infinite to redeem FREE Malaysia Airlines ticket.  And we don’t need to spend RM100K yearly to be eligible for FREE entries to airport lounges worldwide.

My Credit Cards and My Bragging Rights 2014

The time has come once again for me to bore you with My Bragging Rights and show off My Credit Cards and Debit Cards Collection for 2014.

In this article, besides posting my entire active cards collection, I also did a brief review on the Alliance Platinum Visa, Alliance Visa Infinite, CIMB Visa Infinite & World MasterCard, Citibank Platinum Visa, Hong Leong Bank Platinum MasterCard, HSBC Visa Signature, Maybankard 2 Cards, Maybank Visa Infinite, OCBC Titanium MasterCard, RHB Platinum Visa, UOB Preferred Platinum Visa and UOB Privilege Banking Visa Infinite credit cards, and as to how they benefited me. And guess how many of my credit cards are in my Top 10 Best Credit Card 2014 Malaysia list?

One of the benefit of me having so many credit cards and combined with my wife’s own principal credit cards, we get to bring my entire family into the KLIA and LCCT Plaza Premium Lounge for FREE :)

In my article, I have announced that his is the last time I’ll be posting my cards collection as I don’t think I’ll be able to qualify for any more Premier Credit Cards.

And THANKS TO YOU, I have another Bragging Right, i.e. I have more than 1K Likes here and more than 1.5M page views when I combined my blogs. However, according to Alexa, my generationsxyz.blogspot site ranking in Malaysia is pathetic at Top 18K, hahaha. I doubt my site ranking in Malaysia will ever be in the Top 1K as my articles only interest those who have similar intellectual level as me. There are not that many of us who are in this elite range who practice critical reading and analyze info available in detail.

Without further ado, all penyibuks (busybodies) please click the link below to start reading article titled My Bragging Rights and My Credit Cards 2014

My Bragging Rights and My Credit Cards 2014

The Best Credit Card for Overseas Spending Online or In Person

So far I have presented to you guys two articles with regards to The Best Credit Cards 2014:

Malaysia Top 10 Best Credit Cards 2014


The Best Cash Back Credit Card Combination 2014

I have been reiterating that there is no such thing as The Best Credit Card. The smart thing to do is to use the right credit card(s) to suit your spending pattern in order to optimize the returns.

And for the benefit of those who do perform overseas transactions online or in person, I am pleased to announced that I have just published my article titled The Best Credit Card for Overseas Transactions 2014.

And like the saying goes, never judge a book by its cover, you’ll never know what coded message I have included in my articles until you read and discover them.

Without further ado, click the link below to find out which is the best credit card for overseas transactions – for my case it is my Maybank Visa Infinite, what about you?

The Best Credit Card for Overseas Transactions 2014


Malaysia Best Cash Back Credit Cards Combo 2014 – Max Your Cash Back Returns

Previously, I opened my big mouth and promised my readers a Christmas/New Year gift, and it’s a miracle that I delivered it on time. However like any gift, it may or may not be useful or what you want, but it is the thought and effort that counts, hahaha.

Actually, the gift  I have for you consist of several items – it’s like those gift box that comes with several miniature perfume bottles. They are all nice and useful but you get to chose and use the one you like most now and save the rest for later use.

The first part of my gift to you consist of Cash Back Credit Cards Comparison Up To RM1K/Month Spending between Maybankard 2 Cards vs Hong Leong Bank Wise vs UOB One Card vs MACH by HLB vs AEON Watami. And I also touched on the HSBC Amanah Mpower Platinum i too so that you’ll be aware of HSBC’s marketing strategy. This first gift will give you an idea as to how to go about making a comparison based on your needs to come out with the Best Cash Back Credit Card for your case.

The second part is what many want, a Cash Back Card to replace their OCBC Titanium MasterCard.

The third part of my gift to you consist of What Cash Back Credit Card Is The Best For Your Petrol needs.

The fourth part, What Credit Card Combination Is Good For Up To RM2K/Month Spending to maximize the cash back returns we can earn.

And last but not least, for those who spends more than RM2K/month, what are the alternative cash back credit cards to own. I have prepared a table with RM500 increment Up To RM5K/Month spending to indicate the options available to you in order to optimize your cash back returns based on your needs.

Without further ado, please click on the link below to receive my gift to you:

The Best Cash Back Credit Cards Combination 2014

And the best gift of all is education, and that’s what I would like to believe my gift above is all about. I believe most will find my gift to be everlasting. Based on my article, the smart ones are  able to notch up a level by obtaining the necessary skills to evaluate, determine and choose the necessary credit cards and debit cards for their own needs now and forever :)

Malaysia Best Top Ten Credit Card 2014

I am pleased to announced that I have published my third Credit Card Ultimate Showdown – The Best Top 10 Credit Cards in Malaysia 2014.

This time around, I have included two new categories in my evaluation.

In view that Maybank Treats Points now have validity period of 3 years like most banks, I have a new category for timeless evergreen reward points.

Another new category is for Enrich Miles where we get “FREE” Malaysia Airlines ticket (excluding surcharges and taxes) from our credit card usage.

Omitted from from this top 10 credit card review are Public Bank credit cards where the cash back starts at miserable 0.3% including their Platinum cards, Standard Chartered Banks credit card including their Visa Infinite where one needs ridiculous rewards points to perform a redemption.

The StanChart Visa Infinite have been stripped off it’s titled of Ultimate Airport Lounge Credit Card which I awarded to it couple years back because effective October 2013, it only grants you 2 FREE Entries to airport lounge worldwide. And couple with Standard Chartered Bank credit cards useless reward points, I have now classified SCB VI as one of the worst credit card in Malaysia together with OCBC Gold credit card which earns you miseralbe 0.2% cash back.

A total of 22 credit cards were evaluated and reviewed plus one special evaluation in the conclusion.

The credit cards review in this showdown to compare the benefits in coming up with my Top Ten list consists of Alliance Bank Platinum and Visa Infinite; Citibank Prestige MasterCard World, PremierMiles AMEX, Platinum and Cash Back Card; AmBank Visa Infinite and World MasterCard; CIMB Visa Signature, CIMB World MasterCard and Visa Infinite; Hong Leong Bank Visa Signature; HSBC Visa Signature; Maybankard 2 Cards and Visa Infinite; OCBC Titanium MasterCard; RHB Visa Signature; and versus UOB One Card, Platinum and Visa Infinite.
I know some of you guys have been waiting for this credit card ultimate showdown, so without further ado, please click on the link below to find out the BEST TOP TEN CREDIT CARDS in Malaysia 2014:

The Best Top Ten Credit Cards in Malaysia – Ultimate Showdown 2014

And once again, if you have yet to go get the Maybankard 2 Cards, which I keep repeating is the best credit card for local transactions, what are you waiting for? Use the Maybankard 2 AMEX at GIANT, TESCO, AEON, Parkson, Metro Jaya, Harvey Norman, Courts, MPH, Borders, Kinokuniya, Petronas and most other petrol stations, Telekom, TNB, Local Council Assessment, Hotels, Air Asia, Malayais Airlines, Tai Thong Group of restaurants, Sushi Zamai, Pasta Zamai, Rakuzen, Alexis, luxury brand outlets and many other outlets including UNIQLO. And if the AMEX is not welcomed, then your MBB 2 Visa or MC get to taste some actions :)

Credit Cards Maximum Effective Cash Back Rates

About a week ago I published my article Avoid The Shit Hole Of Debt by Getting Free Financial Tuition From Me (click link below) where I touched on numerous matters relating to credit cards, including debts owed by Malaysians running into the billions and how all Malaysians can get FREE financial tuition immediately from FREE :)

Click here to read my article Avoid The Shit Hole of Debt by Getting FREE Financial Tuition From Me

Well, today I just published another article relating to financial education where I will introduce to you a new term called “Effective Cash Back Rate”. I am sure many of you are have seen banks advertising their credit cards offering 5% cash back, 8% cash back and even 10% cash back, but don’t be fooled by them. Always read the terms and conditions before you sign up for a credit card; and, more importantly visit my blog occasionally for FREE and unbiased (really? hahaha) reviews and comments on credit cards.

Come to think of it, most of us now have a smart phone, and if you are not on an internet plan, there’s free wi-fi every where. So before signing up for a credit card, the smart thing to do is use your smart phone to check if I did any review on the credit card that you are about to sign up PLUS go to the bank website to see the terms and conditions.

Without further ado, please click on the link below to see the comparison of Maximum Effective Cash Back Rates of Maybankard 2 Amex versus OCBC Titanium MasterCard versus Hong Leong Bank Wise Visa Classic and Platinum. And if you are thinking of getting the CIMB Cash Rebate Platinum for online transactions whereCIMB advertised that you’ll earn 5% cash back, you won’t want to miss this article.

Credit Card Effective Cash Back Rate

Once again, from the above article, you will see that a higher ranked credit card is not necessarily better than an entry level credit card. So, next time if a guy/gal brags about having a Plat or Premium credit card (especially those where they have to pay annual fee), we know that he/she is just having “shiok sendiri” sensation which is worthless whereas we the smarter ones are earning more than him from our lower ranked MBB 2 Cards or OCBC Titanium MasterCard, hahaha. But if your friend is a nice and humble guy, you should teach him how to earn some pocket money instead of making the banks richer – all you need to do is ask him/her to go take my FREE Credit Card Tutorial that I have designed for newbies.

In the above article, I also worked out the Maximum Effective Cash Back Rate of the Alliance Platinum Credit Card which is good for those who love cash back cards and spend more than RM2K-RM3K a month. The Alliance Bank’s credit cards and debit cards are also pretty good at places where our MBB 2 AMEX is not welcomed. The Alliance Bank Premier/Premium Hybrid Account Debit Card earns you a flat 2% cash back for up to RM9K spending  plus you get to enter LCCT Plaza Premium Lounge with it.