Public Bank FD Xtra Campaign

public fd extraGood news for those of you who have plenty of money and nowhere to park it. Public Bank and Public Islamic Bank have team up again to come with high interest Fixed deposit plan in Malaysia. This promotion was previously available and now being launched again due to overwhelming response.

For a limited time, you can save up with Public Bank’s PLUS Fixed Deposit or Public Islamic Bank’s Term Deposit-i and enjoy a high interest of 3.83% p.a for the first 6 months and a 4.28% p.a for the following month as a rollover bonus.


This promotion is opened to Malaysians who are 18 years old and above who are existing or new Public Bank customer.  Non existing individuals such as corporation, sole proprietary, partnership are also eligible for the promotion.

The two products which are under the promotion of the campaigns are Plus Fixed Deposit from Public Bank and Term Deposit-i from Public Islamic Bank.

How to Enter

To enjoy a 3.83% p.a interest or profit rate for the first 6 months. An individual will have to place a minimum of RM 20,000 capped at RM 10,000,000 and non-individual will have to place a minimum fixed deposit of RM 50,000 capped at RM 20,000,000 within the campaign period.


There are no overdraft availability for the products that qualifies under the promotion interest rates. One can enjoy a 3.83% p.a for the first 6 months and can enjoy higher 4.28% p.a as a rollover bonus on the next 6 months if he or she does not uplift the fixed deposit. The interest shall only be credited once on 6 months. These promotion may not be valid if a person makes withdrawals and partial withdrawal is not allowed during the campaign.

This promotion interest rates are only valid for any fixed deposit placement from 27 October to 28 February 2015 which is quite a long time, so hurry up to apply for it today if you are keen !



Citibank Visa Credit Card RM 300 Cash back promotion

citibank credit card promoCitibank is now back with up to RM 300 cash back promotion.  To enjoy the cash back, you will need to apply for a Citibank Visa credit card online. Once the credit card has been approved, successful applicants will need to register themselves for electronic statement and electronic advice in order to be eligible for the cash back promo.

RM 50 Cash Back

Applicants will need to swipe their credit card 3 times within 60 days of successful application (campaign period) to enjoy a RM 50 cash back.

RM 250 Cash back

Applicants will need to shop (retail purchase)  with a minimum of RM 1500 amount (campaign period) with their successfully applied credit card.

What’s the catch ?

This promotion is only valid for new Citibank Visa credit card holder with online credit card or SMS application. So if you have an existing Citi Visa card, you will have to apply a new card to be eligible for the promotion. Among the cards are not limited to Shell-Citi card, Citi Platinum Visa , Citi Cash Back Platinum Visa Card, Citi Rewards Platinum Visa Card, Citi Choice Visa Card and Citi Clear Visa Card. Electronic statement and advice enrolment is required so applicants will have to make sure they are enrolled before swiping their cards.

Cash back will be credited into eligible participant’s credit card statement

This promotion campaign is only valid from 18th of August till 31st of October 2014. Hurry up to apply if you are keen ! This offers only valid for online and SMS credit card application. The link to apply for the card is available Here while SMS application can be sent to  36700. Once a request has been submitted, Citibank will follow up and get back to you within the following day.


Best Credit Card in Malaysia









Best Credit Card Comparison

Before applying for a credit card, there are a few details customers should familiarize in order to select a card that suits the expenditure pattern. This is the main informationcustomers should get before deciding:

  • Annual fee
  • Cash Back
  • Rewards Points
  • Credit Card interest rate
  • Petrol rewards
  • Travel rewards
  • Balance transfer

Currently banks are providing customers with Cashback Credit Card or Rewards options.

Cashback Credit Card

A cashback credit card is quite simply a credit card that gives rebates in cash. Instead of collecting rewards for spending with the card via treat points and freebies, the bank will give a cash rebate.

Reward Points

Reward Points per RM basically means the points that will be credited into the card for every purchase. Excluding a few cards, the general conversion for most banks (and its cards) is RM1 = 1 Point.

Types of Rewards

  • Vouchers  : Ranging from shopping vouchers, food vouchers
  • General items : Household items such as kitchenware, travelling bags
  • Specific Items  : Items such as Petrol and Air Miles redemption (usually for specific cards with petrol and air miles features on them)
  • Credit Card Service Tax Waiver / Redemption and Annual Fee Waiver Redemption : Some banks offer to redeem the points in exchange for a government service tax redemption


Credit Card No Annual Fee

Most credit cards today waive of the annual fee however customers may need to double check before applying for the credit card.


Best Credit Card comparison for Cash Back

Hong Leong Wise Gold provides a 10% cashback from Hong Leong Wise which is the only credit card that rewards customers with 10% cash back.

  • Interest Rate : 15%
  • Balance Transfer : 6.99%
  • Cashback: 10%
  • Annual Fee: Free

Best Credit Card comparison for Rewards

Standard Chartered Worldmiles MasterCard delivers the fastest redemption for an air ticket at the lowest cost.

  • Special Offer: Save 15% at Asiatravel
  • Interest Rate: 15%
  • Balance Transfer: 2.99%
  • Cashback: No
  • Annual Fee : Free

Best Credit Card comparison for Low interest

Citibank Cashback Platinum provides a 5% cashback on petrol, groceries, phone bills and medical.

  • Interest Rate: 8.88%
  • Balance Transfer: 6.99%
  • Cashback: 5%
  • Annual Fee: RM195

Best Credit Card comparison for Petrol Rewards

Standard Chartered JustOne Platinum MasterCard provides rebate when customers charge fuel to the credit card. Customers will enjoy 10% Petrol CashBack at all petrol stations nationwide.

  • Interest Rate : 15%
  • Balance Transfer : 2.99%
  • Cashback : 10%
  • Annual Fee : RM250

Best Credit Card comparison for travel

Air Asia Citibank Gold Visa provides perks in the air and on the ground.

  • Interest Rate : 8.88%
  • Balance Transfer : 6.99%
  • Cashback : No
  • Annual Fee : RM180

Best Credit Card comparison for Islamic

AmIslamicBank Al-Taslif Visa Gold Card-I provides customers with  a new money manager and enjoy online banking, 0% easy payment plan on retail expenditure and automatic bill payments with AutoBillPay.

  • Balance Transfer : No
  • Cashback: No
  • Annual Fee : Free

Best Credit Card comparison for Balance Transfer

Maybankard Balance Transfer Program enables customers to save more with lower interest rates, choose the plan that meets the needs and enjoy a long repayment period of up to 36 months.

  • Interest rate includes upfront 3% fee
  • Interest Rate: 0%
  • Minimum Transfer: RM1000
  • Max. Duration: 36 months


Best Credit Card comparison for Premier Card

Citibank CitiPrestige provides 25% discount off business-class tickets and Insurance and up to RM1 million travel coverage. Customers also enjoy privileged access to 2,400 Golf courses all over the world.

  • General: RM1 spent = 1 Point, RM1 spent abroad = 2 Points
  • Interest Rate: 8.88%per year
  • Income : RM 1,000.00per year