• Free for Life
• 2% Rebate* at PETRONAS service station
• 0.5% Rebate on other retail transaction
• Discounts and privileges at over 500 outlets all year round
• Discount for LIVE celebrity concert tickets

Why?

This is because you pay only 30 days later when you purchase something. Therefore, you are actually earning the puny little interest.

Benefits of using Credit Card

• Emergency Cash
• Free (hunt for it, you will get some free annual waiver)
• Safe, there is protection and if you do not use them you basically do not need to pay them. Malaysia have a law of only paying small sum if there is a fraud. But you have to prove that you did not use them for sure.
• Points / Reward - Most credit card have a point system or reward points that benefit the ussage of credit cards. More you spend the more points you get for some freebies.

Stay tuned for more tips

1. Your previous statement balance less all payments in your current statement.

AirAsia Vouchers can be used to pay for AirAsia flights, fuel surcharges and other AirAsia products.

Exclusive AirAsia-Citibank Gold Privileges
Charge your tickets to your AirAsia-Citibank Gold Card and get free travel insurance of up to RM500,000 that covers loss of luggage, luggage delay and missed flight connections.

Get up to 5% rebate on Shell fuels and up to 1.5% rebate when you shop anywhere else!

• Enjoy up to 5% cash rebate on your petrol purchases at all Shell stations nationwide.
• Earn up to 1.5% cash rebate on your card spend everywhere else around the world.

The rebates earned will be reflected in your next credit card statement. It’s our way of ensuring your money goes the distance.

Rebate for Citibank Gold Card

Rebate for Citibank Classic Card

NOTE: The rebate for this card is based on Carried Forward Balance.

• A debit card where your purchase is instantly deducted from your account.
• It’s also your personal ATM card so that you can access your money 24 hours, 7 days a week, locally and globally (from any UOB ATM and over 840,000 Visa/PLUS ATM machines).
• Linked to an everyday banking account that pays competitive interest rates.
• No minimum repayment nor monthly charge.
• Joining fee of RM100 is waived.
• A great loyalty programme with shopping & dining privileges at the coolest stores.
• Easy to use, flexible and fun !

You must have U Account with UOB

• A minimum initial deposit of RM50
• You must have U Account with UOB
• You must be a full-time student in an undergraduate programme at an accredited educational institution*

Wave and Go allow you to make payment by waiving your credit card at participating Visa Wave outlet. It is faster and more convenient (capped at RM150)

Enjoy rebate up to 3% on your retail transaction.

The cash rebate is awarded subject to an opening balance of RM1 and above in your current statement.
The cash rebate does not apply to cash and cash-based transactions, payments under instalment program, settlement of annual fee, outstanding balances or charges imposed by the Bank, carry forward balances and credit transactions effected by the Bank.
Maximum amount of cumulative rebate payable per account per annum (1- calendar year) is RM1, 000. Cash rebates shall be awarded when the accumulated cash rebate for the particular month reaches RM5. Cash rebates shall however be carried forward to the next month if the minimum of RM5 is not met.

Some of the places where you would enjoy benefits (valid until at 31st December 2008):-

Glo

• Free entry for all UOB VOX Cardmembers (except on eve of public holidays)
• 20% discount on bottles purchases (non-promotional).

Modesto, Johor

• 10% OFF the total bill

MardiGras

• 15% Discount on food & drink (Non-alcoholic)
• 10% Discount on all bottles purchases (non-promotional)

Olive Lounge

• 10% OFF total bill

Restaurant Coffee Trap and Party

• 10% Discount on food and beverage (not valid for promotional items)

Cosmic Bowl

• 20% Discount for every game purchased

Mega Lanes

• 10% Discount on bowling game fees (for normal adult rates)

Fitness First

• Free 1 month membership and 50% off joining fee

Here are some of the UOB One Card Partnerts:

Carrefour - 4%
BHPetrol - 2%
GSC - 5%
Sushi King - 10%
Tai Thong Retaurant - 3%
San Francisco Coffee - 10%
Kamdar - 5%
UOB PayOnline - for utility bills 0.5%
and More

Wave n Go - Make payment at participating merchant outlets by waving your UOB One Card that comes with the Visa Wave feature. No signature required and transaction is capped at RM150.

Annual Fee Waiver - 6 transactions  within a year is what you need to have your annual fee waived. If not acheived, normal annual fee apply.

Concierge Services - be assured all your needs will be attended professionally when you travel with your UOB ONE Card.

Travel Accident & Invoncenience Benefits - Enjoy travel accident coverage of up to RM2,000,000 and travel inconvenience benefits for flight tickets charged to your UOB ONE Card.

Personalized Travel Service - Enjoy personalised services. Whether it’s reservation, ticketing, or customising holiday packages; even credit card surcharges are waived with UOB Travel Planner.

Exclusive Discounts All Year Round - Our newsletter, U-Treats, is packed with exclusive discounts and promotions that you can enjoy at participating merchant outlets.

Zero% Payment Plan - Enjoy financial flexibility with 0% Interest-Free Installment Payment Plan (IPP) at our partner merchant outlets. Or convert your purchases in affordable 12 month interest-free payments with Easy Payment Plan (EPP)

*A 5% processing fee on the retail transaction amount will be levied on every successful EPP transaction. Conversions to EPP on the chosen transaction(s) have to be made within 20 days from the purchase date. Terms and condition apply

Balance Transfer Program - Consolidate all your spending by transferring your outstanding credit card balance from other banks to UOB ONE Card to enjoy interest rate as low as 0%

Smart Protector Enhanced - Get coverate of up to RM300,000 in the event of unforeseen circumstances with a premium of RM0.65 per RM100 outstanding balance per month.

• Annual Fee Waiver Offer for Classic Card application
• Annual Fee Waiver Offer for Classic Card with Balance Transfer or Cash-on-Call at point of card application 
   

Travel Insurance Coverage
This Hong Leong Bank Classic Credit Card comes with a travel insurance coverage up to RM350,000.

Requirement

• Minimum annual income of RM18,000
• Copy of I/C (both sides) 
• Copy of other bank’s credit card (both sides)

HSBC Smart Privileges Credit Card is a great entry level credit card.