Journey To Financial Freedom

Rising BLR murdering your life!

2011-09-21T20:50:00.000-07:00

Don't gamble on your largest investment!

Fact 1: Your mortgage loan is the largest and longest commitment in your life!
How long are you going to serve your loan?
What's the percentage of your mortgage loan from your household income?
Check on it NOW before it is too late!

Fact 2: What we plan often turns out to the unplaned? Don't you think so?
Don't you want to stay in control on what we actually can control?
Or at least minimize our risk in deviating from our original planning?

Fact 3: Everything is rising! Yet our income remains ;(
Petrol, tol, bills, food, consumer goods etc are getting more and more expensive!
If one of them is fixed, is it a good news for you?

Fact 4: BLR never fixed or stay low!
Check on the historical BLR

What do you notice? and what can you say from the graph?
Is it now a good time to sign up for Fixed Rate?

Fact 5: Do you know for a RM 500k mortgage loan with a tenure of 30 years, due to the four increases of BLR since March 2010, the total interest payable increased by 27.6%?
Is this what you want?

If you want to
1) Have a GUARANTEED fixed housing loan installment
2) Know exactly how much you are paying for mortgage loan
3) Avoid the impact of inflation and the rise in BLR
4) Confirm tha date you will fully repay your loan and secure it
5) Real financial control and achieve stability
6) Have long term service
7) ultimately have a PEACE OF MIND

Kindly contact me to secure a fixed rate of 4.99% (Non ZEC) or 5.39% (ZEC) on your property or refinace your loan to SAVE MORE MORE MORE!

Contact me and I will make sure our conversation is beneficial to you!

Best Regards,
Kelvin

Refinancing

2011-09-21T20:48:00.000-07:00

What is Refinancing?

The term refinancing is defined as the process of acquiring a new loan from the same or different financier to pay off an existing loan using the same property as a collateral.

Normally, a borrower would refinance their property for some reasons such as reducing interest payment, changing borrowers and raising capital by doing cash out refinancing.

How does Refinancing works?

An example:

Year 2005
Market value: RM300,000
MOF: 90%
Loan: RM270,000
Tenure: 30 years
Interest rate: 5.99%
Installment: RM1,617.05 pm

Year 2010
Market value: RM500,000
MOF: 90%
Loan: RM450,000
Tenure: 30 years
Interest rate: 4.85%
Installment: RM2,374.61 pm

Loan outstanding as 2010: (RM200,000)

Method A: Cash Out Option
New loan outstanding: RM450,000
RM 200k settle loan. Remaining RM 250k for financial planning or other purpose
Monthly installment:
RM2,374.61

Method B: Non Cash Out Option
Loan outstanding: Remained at RM200,000
Monthly installment:
RM1,055.38 @ 30 years tenure or RM 1151.77 @ 25 years tenure
(Compared with RM1,617.05 before refinancing)

Is it another option for you to cash out money for your dreams or to save interest?

Contact me and I will make sure our conversation is beneficial to you!

Best Regards,
Kelvin

~Debt/Loan Cancellation Program~

2011-01-19T08:39:00.000-08:00

A solution to CANCEL ALL Your DEBT/LOAN!

Person who need my service:
Individual/company who is serving loan whether it is a hire purchase, mortgage loan, personal loan etc etc
Example of a very common usage of this service is MRTA/MLTA in mortgage loan.

Benefits of this program:
By signing up this program, you are able to CANCEL ALL Your DEBT/LOAN instantly**

The cost of this program:
The program is customize based on your budget and the features you want.

Example: Male, age 28, non smoker

Basic coverage (Good for investor)
RM 500 000 coverage (Death and TPD only)= RM 1575 p.a
RM 500 000 coverage (Death, TPD and Critical Illness)= RM 3135 p.a

or a more balanced and secured but cost saving method

RM 250 000 first payout on Critical Illness and another RM 250 000 payout when death/tpd= RM 2355 p.a
(If death/TPD without Critical Illness, RM 500 000 will be payout!)

#The coverage of the plan above are all "level" meaning that the sum assured is RM 500 000 throughout the term

If your budget is tight, you can get a reducing coverage plan (Good for low budget individual)
RM 500 000 decreasing coverage (Death and TPD only)= RM 1015 p.a
RM 500 000 deacreasing coverage (Death, TPD and Critical Illness)= RM 1735 p.a

If you have extra cash and wish to have " premium back" funtion (Good for individual that need a balanced investment-risk portfolio):
RM 500 000 increasing coverage (Death and TPD only)= RM 8880 p.a
After 30 years, total paid= RM 266 400
YOU GET BACK approx RM 597 886

RM 500 000 increasing coverage (Death, TPD and Critical Illness)= RM 15975 p.a
After 30 years, total paid= RM 479 250
YOU GET BACK approx RM 1 006 345

As you can see, there are various of plan out there.

Of cause, there are many more others features, mix and match that can be done to suit your budget and financial goals!

**T&C APPLYS
How Get This Consultation for FREE?
Call/Text Me @ 012 677 8390

When A Property Is Sold/Transferred

2011-01-11T19:05:00.000-08:00

To all my beloved Property Investor!

When A Property Is Sold/Transferred.

All transfers of property attract stamp duty regardless whether the acquirer gives consideration (value in money or kind example by exchange, as gifts from loves one) for the transfer or not.

The Malaysian government at times impose stamp duty exemption for certain property type for a certain period of time so as to encourage housing sale. Currently, no exemption is given.

Stamp duty for transfer of property is chargeable at the following rate:

Up to RM100,000 = 1%
RM100,001 to RM500,000 = 2%
RM500,001 onwards = 3%

So what this implement?

It means that your next kin (might be parents, spouse, children, relatives) need CASH to transfer your property when you are not belong to this world anymore.

Assuming that you have RM 1 mil worth of property, you need approximate RM 30 000 (simple calculation excluded legal fees etc) just to transfer the property!!!

What happens if your next kin need to bare the monthly loan repayment too?

If you are worried about this, kindly contact me. I will try my best to provide you solutions that will minimize your financial burden and worries.

Financial Pyramid

2011-01-10T03:43:00.001-08:00

Recently, I realized that most of us doesn't have a correct, secured and strategy in planning towards financial freedom. So, would like to share the financial pyramid so that we can revise our planning and work towards financial freedom!

The proper path towards financial freedom!
1) First, risk management
2) Wealth accumulation
3) Wealth creation

Estimated Average Cost of Treatment

2011-01-08T10:15:00.000-08:00

Are you prepared for it?

What can you do with RM 3 nowadays?

2011-01-08T10:11:00.000-08:00

Serious question!

What can you do with RM 3 nowadays?

Nasi lemak+ milo ice?

KFC?

McDonald?

A packet of cigarattes?

You MUST be KIDDING me!

Do you know how much a medical treatment for critical illness cost?

It just cost RM 3/day!

Best worth insurance plan in the market!

Free insurance analysis available! Contact me for assistance!

Facts that you should know EARLIER!

2011-01-08T10:01:00.000-08:00

Fact 1: Most of the financial plan nowadays are focusing on protection for NOW only.
Check-> What is your fund value when you retired? Are you able to pay for it at that time?

Fact 2: Most of the saving plan nowadays doesn't covers CRITICAL ILLNESS.
Check-> Does it pay a lump sum when you are diagnosed with CRITICAL ILLNESS?

Fact 3: Most of the people nowadays are not prepared for retirement.
Check-> How much do you have when you retired?

Fact 4: Medical expenses (including treatment, medicine, living expenses etc) are getting more and more expensive.
Check-> What is your annual limit of your medical plan? Who will pay for your living expenses if you diagnosed with CRITICAL ILLNESS?

Here, I would like to provide you a simple solution.

This multipurpose plan
1) Pays when life insured is death, TPD or diagnosed with CRITICAL ILLNESS.
2) Increasing protection "++" to overcome the power of inflation
3) Can served as extra Medical fund
4) If you are healthy, it can serve as Retirement fund too!

The illustration is for 35 years old non smoker male.
<35 years old will enjoy higher coverage
>35 years old will enjoy lower coverage

No Worries=(Protection*Now*Future)+Saving
If you have "Protection for now", but you don't have "Protection for future"-> Little worries, you can use your saving. Not efficient though ;(
If you have "No protection at all" as well as "No savings"-> Will lead you to Terrible Experience

36 Critical Illness

2009-12-31T00:45:00.000-08:00

What are the 36 critical illnesses ?

1. AIDS as a result of a blood transfusion
2. Alzheimer's Disease
3. Aorta Surgery
4. APALLIC Syndrome
5. Aplastic Anaemia
6. Bacterial Meningitis
7. Benign Brain Tumour
8. Blindness
9. Brain Surgery
10. Cancer
11. Chronic Liver Disease
12. Chronic Lung Disease
13. Coma
14. Coronary Artery Disease Requiring Surgery
15. Deafness
16. Encephalitis
17. Full Blown AIDS
18. Fulminant Viral Hepatitis
19. Heart Attack
20. Heart Valve Replacement or Repair
21. Kidney Failure
22. Loss of Limbs
23. Loss of Speech
24. Major Organ Transplant
25. Major Burns
26. Major Head Trauma
27. Motor Neurone Disease
28. Multiple Sclerosis
29. Muscular Dystrophy
30. Other Serious Coronary Artery Disease
31. Paralysis
32. Parkinson's Disease
33. Poliomyelitis
34. Primary Pulmonary Arterial Hypertension
35. Stroke
36. Terminal Illness

1。因输血而染艾滋病
2。老年癡呆症
3。主动脉手术
4。去皮质综合症
5。慢性再生障碍性贫血
6。儿童细菌性脑膜炎
7。良性脑瘤
8。失明
9。脑部手术
10。癌症
11。慢性肝病
12。慢性肺病
13。昏睡
14。冠狀动脉疾病手术
15。聋
16。脑炎
17。典型的艾滋病
18。暴发性肝炎
19。心脏病
20。心脏瓣膜修复与替换
21。肾脏病
22。失去双手或双脚
23。哑巴
24。主要器官移植
25。严重烧伤
26。严重头部创伤
27。运动神经元疾病
28。多发性硬化
29。肌营养障碍
30。冠狀动脉疾病
31。瘫痪
32。柏金遜症
33。脊髓灰质炎，小儿麻痹症
34。原发性肺动脉高压综合征
35。中风
36。晚期疾病

The Coffee Effect

2009-12-30T23:18:00.000-08:00

For Those Who Skip Lunch!

2009-12-30T19:40:00.000-08:00

Factors Affecting Motor Insurance Premium

2009-12-29T19:57:00.000-08:00

Most of us do pay for our car insurance. But, why some car has higher premium whereas some car is cheaper? Lets look at the factor contributing to the calculation of premium.

The Factors Affecting Motor Insurance Premium are:

Type of coverage: Comprehensive, Third Party Fire and Theft or Third Party

Third party: This type of policy covers death of, or injury to, other parties and damage to other people’s property. Under the law, the minimum requirement is that the policy provides cover for causing death of, or personal injury to, other parties.

Third Party Fire and Theft: On top of third party coverage, this type of policy further allows you to make a claim should your vehicle be stolen or damaged by fire.

Comprehensive: Provides cover for personal accident and accidental damage to your vehicle and against fire and theft, as well as third party death, injuries and property damage. Everything else being equal, this type of policy would thus cost more than other types of policies. You may add on optional benefits, such as coverage on additional accessories such as windscreen by paying a higher premium.

Sum Insured: Based on market value

Engine Capacity (CC): The larger the Engine capacity, the higher the premium

Loading: Such as vehicle age loading, driver age loading etc

No Claim Discount: The discount given for not claiming insurance due to accident. From 0% to 25, 30, 38.33, 45 and the max will be 55%.

Other benefits such as legal liability, named driver, car accessorize cover etc. The more benefits,the more you need to pay

And at last,you will need to pay RM 10 for the stamp duty.

Money – and more

2009-12-29T19:29:00.000-08:00

SOME avid collectors of ringgit notes with print defects would probably be interested in owning a RM50 note which was withdrawn from an ATM at the Penang International Airport.
The legal tender was found stuck among 20 pieces of RM50 notes which was withdrawn by remisier Norhazi Ismail, 45, at about noon yesterday.
Bearing the serial number, ‘PP1981485’ on the back, the note had an extra flap on the front left top corner.
“This banknote is legal as it came straight from Maybank. Also the paper quality, serial number, photo of the Agung and watermark are all intact,” he said.
Norhazi, a former bank worker, said this was the second time he had found such a note.
“In 1984, when I was working in the then Southern Bank in Bayan Lepas, I received the old RM100 note which had two faces of the King on it.
Norhazi said he would keep both the ringgit notes as he felt they might be collector’s items one day.

Adapted from: http://thestar.com.my/news/story.asp?file=/2009/12/30/nation/5384240&sec=nation

MBF Cards offers RM50 tax waiver for balance transfer

2009-12-29T19:23:00.000-08:00

PETALING JAYA: MBF card holders stand to receive immediate interest savings upon approval of their balance transfer with a waiver of the RM50 Government Service Tax under MBF Cards’ Power Balance Transfer programme, subject to terms and conditions.
The offer promotes savings and long-term benefits for principal credit card holders who transfer their credit balance to an MBF card, MBF Cards (M) Sdn Bhd said in a statement.
The offer is valid until end February next year.
Under the offer, card members can now transfer their outstanding balance from other credit cards to MBF Cards and enjoy 0% interest for 12 months by maintaining the approved balance transfer amount for a full year.
But MBF card holders can only enjoy the benefits of the revolving credit amount, capped at RM7,500, with a minimum monthly transaction of RM300.
In addition, “if the approved balance transfer amount is more than RM7,500, MBF Cards’ prevailing interest rate will apply to the amount in excess of RM7,500,” the company said.
Meanwhile, Maybank is also providing its cardholders an option with regard to the RM50 card service tax.
Maybank said its cardholders had been informed via letters as well as on the bank’s website that cardholders could redeem their reward points to pay for the credit card service tax.

Adapted from: http://biz.thestar.com.my/news/story.asp?file=/2009/12/30/business/5382573&sec=business

Great Eastern’s Smart Medic

2009-12-29T08:30:00.000-08:00

A comprehensive medical rider for investment-linked plans.

Enjoy High Annual and Lifetime Limits
Medical claims will be reimbursed in one lump sum, with a maximum annual limit of up to RM200,000 and a lifetime limit of up to RM1,600,000, depending on your selected plan.

Security of Comprehensive Medical Benefits
Smart Medic gives you comprehensive medical protection to guard against financial difficulties in times of medical emergencies. Key benefits include hassle-free Hospital admission, Pre and Post Hospitalisation treatments, Outpatient Cancer Treatment and Kidney Dialysis, Intensive Care Unit (ICU) and Surgical Expenses benefits. You will also have better peace of mind with the Emergency Accidental Outpatient Treatment and Day Surgery benefits that come with this plan.

Accidental Death Benefit adds to your protection
Your loved ones will receive an Accidental Death Benefit of up to RM20,000 which will be payable, depending on your selected plan, in the event of accidental death.

Daily-Cash Benefit to aid recovery
You have even less need to worry about the medical expenses in the case of hospitalisation at a Malaysian Government Hospital. This plan pays you a daily cash benefit of RM50 per day for up to 120 days per policy year.

Yearly Renewable up to the age of 80 years old
Smart Medic is available to anyone between 30 days attained age and 60 years old next birthday. It is renewable yearly up to the age of 80 years old next birthday, provided the company still offers this plan.

Greater assurance when you travel the world
When you travel abroad for a vacation or on business, you can rest assured that you are protected with Supreme Assist, an emergency assistance service for medical and travel assistance anywhere in the world.

Schedule of benefits

Premium Table

Get Paid With Higher Dividends! Up to 29% of your saving!

2009-12-29T07:51:00.000-08:00

What is Retirement?

Retirement means stopped working and it is time to relax!

If you retire at age 55, how long will you go?
How much do your need when retirement?
When are you going to start saving for retirement?
How long will your savings last you?

Don't worry.
Here ING offers you I-Retire.

Description:
It is specially designed for Malaysian for early retirement planning!

Who should get it?
Everyone who wants to live comfortable at old age. (For age 18-45 only)

What are the benefits?

20 years limited saving plan
Annual Cash dividends are payable starting end of 2nd policy year
Guaranteed retirement income starting age 55, all the way to age 85 as long as the policy remains in force.
Lump sum maturity benefit or Terminal dividends
2 times more protection- Lump sum payment + 20 years family income
Earn more than 20% dividends from your annual saving

How it works?
Start saving for 20 years.
Starting from end of 2nd policy year, your account will be declared cash dividends. You may cash out or leave it to accumulate interest.
For people younger than 34 years old, you may enjoy receiving cash dividends until age 54 although you have already finished saving for 20 years.
Starting age 55 to 85 years old, you will be given guaranteed annual retirement income+ cash dividends.
Protection: You are covered from death and total permanent disability. A lump sum payment will be payout in such event and a guaranteed family income will be payout for the following 20 years.
Optional protection: In case of critical illness, you do not need to save anymore while continue enjoying the benefits!

Example

A 25 years old male, non smoker
Yearly saving: RM 2443.73 (RM 213.83 monthly)
2nd policy year dividends until age 54: RM 600 (>20% of what you saved)
Surrender value after 20 years: RM 59400 (Dividends payout) or RM 66873 (Dividends accumulated)
Annual Retirement Income: RM 1200 guaranteed+ RM 1800= RM 3000
Maturity Benefit at age 85: RM 196000 (Cash dividends and Annual retirement payout) or RM 697000 (Cash dividends and Annual retirement accumulated)
Protection: RM 24000+ 20 years Family income of RM 1200 (RM 24000)= RM 48000
Critical illness waiver

ALL it cost is ONLY RM 7 per day!

Small Medium Industry Insurance

2009-12-29T05:25:00.000-08:00

Schedule of Benefits

MEDICAL : BASIC - HOSPITALISATION

PLAN 350 (RM)

PLAN 200

(RM)

PLAN 150

(RM)

PLAN 80

(RM)

1. In - Hospital Care

1.1 Hospital Room & Board

(i) Ordinary Room

350

200

150

( up to 120 days max per disability )

(ii) Intensive Care

500

350

( up to 20 days max per disability )

1.2 Hospital Miscellaneous Services

Full Reimbursement

1.3 Surgical Fees

Full Reimbursement

1.4 Anesthetic Fees

Full Reimbursement

1.5 Operating Theatre Charges

Full Reimbursement

1.6 In - Hospital Physician Fees

Full Reimbursement

( up to 120 days max per disability )

1.7 Hospital Service Tax

( on eligible Room & Board charges paid )

2. Ambulatory Care

2.1 Pre - Surgical / Medical Diagnostic Services

Full Reimbursement

( within 60 days )

2.2 Pre - Surgical / Medical Specialist Consultation

Full Reimbursement

( within 60 days )

2.3 Second Surgical Opinion

Full Reimbursement

2.4 Follow - up Treatment

Full Reimbursement

( up to 60 days )

2.5 Out - Patient Accidental Treatment

Full Reimbursement

( within 24 hours up to 60 days )

2.6 Daycare Procedure

Full Reimbursement

2.7 Ambulance Services

Full Reimbursement

2.8 Medical Report Fee Reimbursement

3. Compassionate Allowance

5000

3000

OVERALL LIMIT

100 000

50 000

30 000

10 000

(max per annum)

NOTE : Overall Limit - The maximum benefit payable within the policy year regardless of number of disabilities

MEDICAL : OPTIONAL RIDER - OUTPATIENT CLINICAL

(RM)

1. Primary Care

(i) Panel GP Clinic Visit

Cash Free

(ii) Emergency Non-Panel Clinic Visit

Full Reimbursement

2. Preventive Screening

Pap Smear ( at Panel GP Clinic only )

Full Reimbursement

( max once per policy year )

3. Specialist Care

With referral from Panel GP Clinic

100

( max limit per visit )

4. Diagnostic Services

X Ray & Laboratory Tests

250

With referral from Panel GP Clinic or Specialist

( max limit per visit )

GROUP TERM LIFE - BASIC

PLAN 1

(RM)

PLAN 2

(RM)

PLAN 3

(RM)

PLAN 4

(RM)

PLAN 5

(RM)

1 Death (all causes)

100 000

80 000

60 000

40 000

20 000

2 Permanent Total Disability (all causes)

100 000

80 000

60 000

40 000

20 000

3 Permanent Partial Disability (all causes - as per Scale of Indemnity)

100 000

80 000

60 000

40 000

20 000

GROUP TERM LIFE : OPTIONAL RIDER - CRITICAL ILLNESS	PLAN 1 - PLAN 5
1. Critical Illness	Lump Sum payment of 50% of the Basic Sum Assured upon diagnosis of a critical illness. Full sum (100%) is payable if death/disability occurs during the remaining period

MEDICAL & GROUP TERM LIFE : OPTIONAL RIDER ¨C EXECUTIVE SCREENING
1. 18 KS Screening A comprehensive and general blood & urine screening profile covering 41 test (max once per policy year)	Cash Free

EXCLUSIONS

Medical

Cosmetic surgery or treatment
Experimental procedures
Treatment for injuries while committing a crime or while under the influence of alcohol / narcotics
Treatment for self inflicted injuries
Treatment for drug abuse or alcoholism
Private nursing care and house calls by doctors for any reasons
Treatment and test relating to sexual dysfunction, infertility, pregnancy ( except for miscarriage due to a motor vehicle accident ), childbirth, sterilization and circumcision
Sex transformation surgery and sex hormone therapy
Treatment for sexually transmitted diseases, AIDS or AIDS related complex
Alternative therapies such as acupuncture, chiropractic, osteopath, reflexology etc
Vitamins, Food Supplements, Herbal Cures, Anti Obesity / Weight Reducing Agents including any off the counter medications
Soaps, shampoos, vitamin creams and vitamin ointment
Psychotic, mental, nervous disorders and behavioral conditions including neurosis, physiological or psychosomatic manifestations
Treatment for congenital, hereditary diseases / deformities
Diseases or disabilities of a newborn child contracted prior to or during birth or within the first 14 days hereafter
Blood and topical allergy testing
Routine physical examination, health check-ups
Speech and Occupational Therapy
Eye Refraction
Supply of any material ( glasses, lens etc ) for the correction of visual acuity, except for cataract surgery or eye injury
Non accidental dental treatment and / or surgery
Use, acquisition or rental of external appliances such as artificial limbs, hearing aids, aero chambers, equipment for nebulising, orthopaedic pads except during hospital confinement
Treatment for the exposure to ionising radiation, radioactivity contamination and from the use of atomic, biological, nuclear and chemical weapons
Treatment for any sickness or injury as a result of terrorism, military, naval or air force operations, direct / indirect participation in strikes, riots and civil commotion or insurrection
Illness or injury sustained during air travel except as a fare paying passenger
Non-medical services provided by a hospital such as television, telephone, fax, radio etc
Outpatient physical therapy or physiotherapy cannot be referred at GP level. Must be referred by Specialist and treatment must be provided by a registered physiotherapist. Member must have Hospitalisation Coverage subject to its limitations
Outpatient rehabilitation therapy, chemotherapy, radiation therapy, kidney dialysis, chronic illness unless Member has Hospitalisation Coverage subject to its limitations
Preventive vaccinations except for mandatory vaccinations for children

EXCLUSIONS

Group Term LifePermanent Total & Partial Disability (all causes)

Suicide or self inflicted injuries while sane or insane or deliberate exposure to unnecessary danger
Injury sustained while under the influence or narcotics or illegal drugs
Injury sustained while on full-time active duty in the armed forces, naval or military
Injuries sustained during participation of dangerous sports such as hunting, mountaineering, racing ( other than foot racing ), diving , parachuting etc
Injury sustained during air travel, except as a fare paying passenger on a recognized airline
Pregnancy which term includes abortion, miscarriage or related complications
War invasion, terrorism, civil was, rebellion, revolution, insurrection, military or usurped power or direct / indirect participation in riots, strikes and civil commotion
Atomic, biological and nuclear energy reactions, radiation and contamination

Annual Premium Schedule (RM) - NON CASHLESS PREMIUM

MEDICAL
BASIC : HOSPITALISATION	PLAN 350	PLAN 200	PLAN 150	PLAN 80
Employee Only	616.00	426.00	324.00	198.00
Employee & Spouse	1540.00	1065.00	810.00	495.00
Employee & Children	1540.00	855.00	650.00	395.00

Employee & Family

2464.00

1704.00

1296.00

792.00

OPTIONAL: OUTPATIENT CLINICAL

Premium Per Employee / Dependent

345.00

GROUP TERM LIFE - CASHLESS PLAN
Age ( Nearest Birthday)	Premium Rate per RM 1000 ( PTD & PPD )	Premium Rate per RM 1000 ( PTD,PPD & CI )	Age ( Nearest Birthday)	Premium Rate per RM 1000 ( PTD & PPD )	Premium Rate per RM 1000 ( PTD,PPD & CI )
16	1.37	1.58	41	2.36	3.85
17	1.37	1.58	42	2.64	4.33
18	1.37	1.58	43	2.96	4.78
19	1.37	1.58	44	3.35	5.37
20	1.37	1.58	45	3.75	5.93
21	1.37	1.64	46	4.21	6.66
22	1.37	1.64	47	4.72	7.42
23	1.37	1.64	48	5.25	8.21
24	1.37	1.64	49	5.83	9.09
25	1.37	1.67	50	6.47	9.89
26	1.37	1.71	51	7.26	10.98
27	1.37	1.76	52	8.14	12.24
28	1.37	1.77	53	9.15	13.61
29	1.37	1.82	54	10.22	15.03
30	1.37	1.84	55	11.39	16.29
31	1.37	1.91	56	12.61	17.77
32	1.37	1.97	57	13.84	19.44
33	1.37	2.03	58	15.02	21.05
34	1.37	2.08	59	16.24	22.67
35	1.37	2.10	60	17.61	24.62
36	1.57	2.43	61	19.31	26.41
37	1.69	2.64	62	21.40	28.81
38	1.82	2.87	63	23.78	31.78
39	1.96	3.06	64	26.47	35.73
40	2.14	3.49	65	29.51	39.50

MEDICAL & GROUP TERM LIFE

OPTIONAL : EXECUTIVE SCREENING

Premium per Employee / Dependent

80.00

Please note that, except for for companies located in the Free Trade Zones, all business organizations are subjected to 5% Services Tax on insurance premiums which are borne by the organization.
Premium rate is based on policy commencement date & individual date of birth. If difference is less than 6 months, the lower age is applicable. Otherwise, the higher age is applicable for any difference of 6 months & above.

Note :PTD - Permanent Total Disability PPD - Permanent Partial Disability
CI - Critical Illness

I.ExpatCARE

2009-12-29T04:55:00.000-08:00

I.ExpatCARE is a yearly renewable international healthcare product, offering in-patient and out-patient care as well as extra benefits inclusive of physiotherapy, preventive care, wellness benefits and maternity care, both to individuals and corporations.
I.ExpatCARE Individual

The I.ExpatCARE is offered to Malaysians and permanent residents of Malaysia (based on the Inland Revenue of Malaysia’s Guidelines) as well as full time foreign employees of a company incorporated in Malaysia.

Individuals aged between eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE together with their legally married spouse and unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed).
I.ExpatCARE Corporate

The I.ExpatCARE Corporate is open to Malaysian employers (company incorporated in Malaysia) to cover their
#
Expatriated Malaysian employees (and dependents) on foreign assignment outside Malaysia
#
Non-Malaysian full time employees (and dependents)

All current and future full time employees aged eighteen (18) years to fifty nine (59) years (to the nearest birthday) are eligible to apply for the I.ExpatCARE Corporate. The legally married spouse of the Insured Employee and their unmarried children (aged thirty (30) days to nineteen (19) years or twenty three (23) years, if still pursuing higher education and is not gainfully employed) are also eligible for coverage.

Features

	Comprehensive Medical Coverage
		In-patient Care
		The I.ExpatCARE provides in-patient care coverage for admission to a hospital, which includes room & board charges, doctor’s fees (surgeon & anaesthetist’s fees), medical facilities charges as well as special cancer treatment, kidney dialysis and organ transplant charges.

		Out-patient Care
		Benefits here include consultation fees for a General Practitioner or Specialist for common sickness, bodily injuries, diagnostic tests and medication. Out-patient cancer treatment, kidney dialysis and day care surgery are also part of this benefit.

		Extra Benefits
		In addition to the above, the I.ExpatCARE includes benefits such as physiotherapy, medical aids (hearing aids, orthopaedic appliances etc.) and treatments performed by complementary medical practitioners (chiropractor, osteopath, acupuncturist and homeopath) that have been prescribed by a doctor. Maternity coverage (except Elective Caesarean Surgery) is also included.

	Geographical Coverage
		The I.ExpatCARE offers you a choice between three (3) geographic areas of cover
		Worldwide cover (Zone A)
		Worldwide cover excluding United States of America (USA) and Canada (Zone B)
		Worldwide cover excluding USA, Canada, Switzerland, European Union, Japan, Hong Kong and Singapore (Zone C)

		However, during business trips or holidays not exceeding ninety (90) days, medical expenses incurred in the excluded countries as a consequence of an accident or a medical emergency will be covered up to the limits of the plan purchased. If the medical condition concerned already existed prior to travel to the excluded countries, then the medical expenses related to that medical condition are not covered.

	Choice of Plan
		I.ExpatCARE offers you five (5) attractive plans designed to suit your budget and healthcare needs.

	Fantastic Coverage
		The I.ExpatCARE provides you insurance coverage ranging from RM 950 000 (approximately USD 250 000) to RM 14 250 000 (approximately USD 3 750 000) per annum. This rich coverage promises you accessibility to quality medical care overseas. Simply a fantastic deal ! * Converted at a fixed rate of USD 1.00 = RM 3.80

Schedule of Benefits

Benefits	Plan Description
	Planet	Star	Galaxy	Orbit	Universe
Overall Annual Limit per Insured and per Policy Year	RM 950 000	RM 2 850 000	RM 4 750 000	RM 7 125 000	RM 14 250 000
1. In-patient Care(with overnight stay)	Pre-certification required
1 Hospital Accommodation Hospital Room & Board Intensive Care Unit (ICU)	As charged (but no more than the standard private room rates) As Charged
1.2 Doctor’s Fees Surgical Fees Anaesthetist’s Fees	As Charged
1.3 Medical Facilities, including Operating Theatre Hospital Supplies & Services	As Charged
1.4 Special Cancer Treatment and Kidney Dialysis	As Charged
1.5 Organ Transplant	Prior approval from the Insurer’s Medical Adviser is required. As Charged subject to a maximum limit of RM 475 000.
2. Out-patient Care(Sub-limit for all Out-patient Care per Insured per Policy year)	RM 9 500(Reimbursement Basis)	RM 28 500(Reimbursement Basis)	RM 47 500(Reimbursement Basis)	RM 71 250(Reimbursement Basis)	RM 142 500(Reimbursement Basis)
2.1 Doctor’s Fees	As Charged
2.2 Hospital Diagnostic Tests	As Charged
2.3 Prescription Medicines	As Charged
2.4 Out-patient Cancer Treatmentand Out-patient Kidney Dialysis	As Charged
2.5 Day Surgery (out-patient surgery)	As Charged
3. Extra Benefits(Sub limit for all Extra Benefits (except 3.7) per Insured per Policy Year	RM 4 750(Reimbursement Basis)	RM 14 250(Reimbursement Basis)	RM 23 750(Reimbursement Basis)	RM 35 625(Reimbursement Basis)	RM 71 250(Reimbursement Basis)
3.1 Physiotherapy	As Charged
3.2 Medical Aids	As Charged
3.3 Treatments performed by Complementary Medical Practitioners	As Charged
3.4 Preventive Care & Wellness Benefits	As Charged
3.5 Insured Child’s Daily Guardian Benefit	As Charged
3.6 Ambulance Fees	As Charged
3.7 Maternity Care and Delivery	As Charged [separate maximum of RM 28 500 (Reimbursement Basis)]

Exclusions

	No benefit shall be payable for any of the following services, products or conditions or injuries resulting from:-
		Consequences of a voluntary or intentional act committed by the Insured or his / her dependant or consequences of hazardous competitions;

		Consequences of insurrections or riots if by taking part the Insured or his / her dependant has broken the applicable laws;

		Consequences of brawls, fights and all kinds of disturbances and measures taken to combat them, except in case of self-defence;

		Consequences of the preparation of or participation in crimes or misdemeanours;

		Consequences of drug-addiction and alcoholism;

		Direct or indirect consequences of any action relating to what is commonly designated as “Nuclear Risk”. This exclusion is not applicable to medical radiations required by covered medical treatment;

		Events related to bets or challenges;

		Expenses resulting from any kind of competition with motor vehicles;

		Flight risk: the insurance covers the use, as a passenger, of all planes, hydro-planes or helicopters duly authorised to transport persons, as long as the Insured is not a member of the crew and does not exercise in the course of the flight a professional or other activity, in relation with the plane or the flight;

		Consequences of war or acts of war, and terrorism to the extent mentioned in the Policy Contract;

		Dental treatment / care;

		Vision care (Spectacles, frames, contact lenses), sunglasses and orthoptic treatment;

		Treatment that is considered experimental / investigative according to accepted professional medical standards and treatment that is not medically indicated;

		Psychiatric treatment;

		Private nursing care or services provided by nursing home for purely recuperative purposes;

		Non prescribed medical treatments;

		Periodic preventive health examinations except those explicitly mentioned in the table of medical benefits;

		Complementary (and or alternative) medical treatments other than those explicitly mentioned in the table of medical benefits;

		Rejuvenation and spa-cures, cosmetic treatments and convalescent rest;

		Facilities for the aged, primarily giving custodial, educational and rehabilitory care;

		Expenses resulting from maternity and childbirth during the first ten (10) months after the individual inception date of cover;

		Non prescribed drugs;

		OTC (“over-the-counter”) medicines; lifestyle products, dietary products, vitamins, food supplements and food products, baby food, mineral waters, tonics, cosmetic products etc.;

		Fertility treatments (IVF, ICSI, AI and all other similar treatments) as well as (in)fertility treatment investigation expenses;

		Expenses related to sterilisation;

		Contraceptive and birth control drugs, even if prescribed by a physician;

		Costs related to abortion except in case of absolute medical necessity;

		Cosmetic / aesthetic treatment except restorative treatment following accident;

		Refractive error corrective eye surgery (keratectomy and keratotomy, including LASIK and LASEK procedures);

		Remedial teaching;

		Logopaedic treatment and speech therapy;

		Elective caesarean delivery expenses;

		Sex change operations and related treatment expenses Adapted from: https://www.ing.com.my/ICWNet/2.0/ing.application.web/ICWDefault/eb_port_iexpat_care.aspx

What Is Your Retirement Value?

2009-12-29T01:19:00.000-08:00

Are You Ready For Retirement?

Would you like to retire poor or rich?

How much do you need for your retirement?

Show you guys some calculation now and lets figure it out your own retirement value!

Some assumption made in these calculations:
1.The EPF contribution is 20% and will continue until retirement age
2.The post retirement expenses is 70% of your annual salary now
3.The monthly savings will continue until retirement age
4. EPF crediting rate= 4.5% p.a.
5. Investment/Saving crediting rate= 4.0% p.a.
6. Inflation = 4% p.a.

CASE 1

Name: Ahmad
Age: 24 years old

Retirement Age: 55 years old
Monthly Income: RM 2000
Yearly Income: RM 24000

Monthly Savings: RM 200
Currently EPF amount: RM 0 (Fresh-grad)

Ahmad total saving at age 55 years old will be RM 586922
This amount of money should last him until his age is 66.
In order to live comfortably until age 85, He need RM 1 million extra!

CASE 2
Name: Alvin
Age: 30 years old
Retirement Age: 55 years old
Monthly Income: RM 4000
Yearly Income: RM 48000
Monthly Savings: RM 300
Currently EPF amount: RM 38908

Alvin total saving at age 55 years old will be RM 807649
This amount of money should last him until his age is 65.
In order to live comfortably until age 85, He need another RM 1.78 million!

So guys,
What is your retirement value?
Get me out and we will calculate it together!

Shell Citibank Credit Card

2009-12-28T22:11:00.000-08:00

Up to 5% REBATE on Shell fuel purchases.

Exclusive Citibank Gold Privileges:

Charge your ticket to your Gold card and
get free travel insurance of up to RM500,000.

	Up to 1.5% rebate on any other non-fuel purchases

	FREE Annual Fee for the 1^st year • Just use your card 3 times within 60 days to enjoy it Adapted from: http://www.citibank.com.my/MYGCB/APPS/portal/loadPage.do?tabNo=3&htmlPageName=prod/cat_land/CreditCards.htm

ING推介簡易財務方案‧退休，總應該舒服生活

2009-12-28T19:39:00.000-08:00

（吉隆坡）90%大馬人在55歲退休時公積金戶口內只有大約10萬令吉，而四份之三的國人將會在退休後3年內花光他們的公積金存款。
而且，由於城市地區物價不斷飛漲，即時是現有的50萬令吉存款，在20年後的購買力也只相當於目前的14.5萬令吉而已。
事實上，大部份大馬人（86%）對舒適的退休生活並沒有太大的信心，只有大約5%左右的國人已做好充份準備，有能力隨時退休，並在退休後享有同等的生活素質。

這些數據，會不會嚇著您了？

95%國人無能力隨時退休
ING保險公司於今年11月初正式推出一項簡易的財務計劃，協助大馬人更從容地應對退休後的生活需求。
ING財務暨風險總監阿努莎他瓦拉惹於11月12日在媒體發佈會上透露，這項名為INGeasi for Retirement的計劃，是ING所推出的第3項以INGeasi為品牌的簡易財務計劃。ING甫於去年8月推出專為女性而設的INGeasi for Women，以及今年3月份推出迎合每一名家庭成員需求的INGeasi for Family。
她說，大部份國人在退休後都是依靠公積金儲蓄過日子，甚至有近半的退休人士（44%）需要依靠子女們來維持他們最基本的退休生活。INGeasi for Retirement就是瞄準這些希望能在退休後享有財務自主的大馬人，並為他們提供3種不同的配套以迎合不同的退休需求。

1. Life As Usual如常生活：這項配套主要是為尋求在退休時繼續維持相同生活方式的大馬人而設。在此配套下，ING在退休者55至85歲期間提供每年保證收入、現金紅利，以及保單滿期時的期終花紅。此外，保客還可以享有生命與永久及完全殘疾保障等福利。

2. No Worries無憂無慮：無債一身輕，此配套協助投保人在退休時清償所有的債務，無憂無慮地安渡下半生。他們將在55歲退休時一次過獲得一筆現金，同時還可以享有生命與永久及完全殘疾保障等福利。

3. Unleash釋放自己：這項配套最適合那些希望在退休時繼續追求夢想的大馬人，無論是環遊世界或享受昂貴的跑車，它都能讓保客提出保單現金，實現他們的退休願望。
此外，此配套還提供生命與永久及完全殘疾保障等福利，投保人可自行決定保費數額和所需保障。

阿努莎深信INGeasi for Retirement能廣受消費者的歡迎。她說：“我們擁有所需及正確的金融工具，確保這項退休財務計劃取得成功。除了深具靈活性及簡易的保單特點，大馬人還可以通過互動的退休計算器找出最適合他們本身的退休生活方式。”
每一家保險公司都有本身的退休保險計劃，但INGeasi for Retirement的最大特點在於它簡單明白，沒有累贅的金融術語，以簡易的概念讓消費者更清楚掌握退休後所需的保障。

放眼大馬保險業老大地位
ING資深總監蔡高洺也在記者會上指出，這項新財務計劃將協助ING達臻它今年8億3000萬令吉首年保費的目標。他告訴媒體，這項計劃預計將在首12個月內貢獻2400萬令吉保費收入，並寄望下來數年能夠貢獻公司10至15%的保費收入。
首年保費收入方面，ING目前是全馬第3大保險公司，佔有國內市場約11%份額。通過新計劃的推介及提升代理人的生產力，ING放眼明年杪之前能將市場份額提高至15%，一舉登上大馬保險業龍頭老大地位。
ING保險公司是總部設在荷蘭的國際金融服務機構ING集團的子公司。ING集團業務遍及全球40多個國家，為個人、企業與機構客戶提供銀行、投資、人壽保險與退休等資產管理服務。

詳情請瀏覽：www.ingeasi.com.my

Credit Cards? Cut it off?

2009-12-28T18:31:00.000-08:00

Attention!!
There is NO RUSH to cancel your Credit Cards before 1st January 2010 as RM50 service tax for principal credit and charge cards and a RM25 for supplementary cards would be imposed on the anniversary date of Credit Cards. But for NEWLY approved Cardmember after January 2010, the Service Tax will be charged to your account the same month the card is issued.

PETALING JAYA: Debit and petrol cards do not fall under the purview of the RM50 service tax imposed on credit or charge cards.

The Association of Banks in Malaysia said other cards not included were closed community charge cards used at workplaces, schools and clubs, as well as loyalty and e-money cards like Touch ’n Go.

“The service tax will be collected by banks and other card issuers from credit and charge cardholders and paid to the Customs and Excise Director-General.

“In this respect, the amount of service tax payable will be set out in the cardholders’ monthly statement separately,” it said in a statement yesterday.

The association added that the tax was chargeable when the credit or charge card was issued, on the anniversary date or upon renewal.

The tax will not be charged for replacement cards issued in connection with lost or spoilt cards and fraud.

“Banks and other card issuers are allowed to enter into arrangements where cardholders may apply for redemption or reward points or rebates they earn through using their cards for the payment of the service tax,” it said.

Member banks and other card issuers will be contacting their cardholders in respect of the imposition.

Starting Jan 1, there will be a service tax of RM50 a year on each principal credit and charge card, and RM25 on each supplementary card as announced in Budget 2010.

For enquiries on the service tax on credit or charge cards, contact toll-free hotline ABMConnect at 1-300-88-9980 from Monday to Friday or e-mail banks@abm.org.my.

Adapted from: http://thestar.com.my/news/story.asp?file=/2009/12/29/nation/5378573&sec=nation

(吉隆坡) 大馬銀行公會表示，從1月1日起，銀行及信用卡公司將征收服務稅，所征收的稅額將個別列在持卡者的月結單中。

“一旦銀行或信用卡公司發出信用卡或賒賬卡，服務稅將在週年使用期征收服務稅，或在更新信用卡及賒賬卡時征收服務稅。”

取新卡須付服務稅

大馬銀行公會發表文告說，若一名人士在明年1月20日取得新信用卡或賒賬卡（有效日期為1年，至2011年1月19日），那麼他在取得新卡時，必須繳付50令吉的服務稅。

公會舉例，若一名人士在明年3月8日取得一張為期5年的信用卡或賒賬卡（在2015年3月7日到期），那麼他必須在明年3月8日取得新卡時，繳付服務稅，並在往後每年的週年使用期繳付50令吉服務稅。

“至於現有的持卡者，若銀行或信用卡公司於去年5月18日發出為期5年的信用卡或賒賬卡（2013年5月17日到期），那麼第一週年使用期，即2009年5月18日無須繳付服務稅，因為政府在明年1月1日起才開始征稅。這名持卡者在明年的5 月18日才須繳付50令吉的服務稅，至2012年5月18日。”

文告指出，轉賬卡（Debit Card）、汽油卡（由石油公司發出的卡如“汽油特惠卡”（fleet card）及Smart Pay）、在職場、學校及俱樂部使用的社區賒賬卡、忠誠客戶卡（如Bonus Link）及電子現金（如一觸即通卡）無須繳付服務稅。

“因遺失、損壞或信用卡遭盜用而取得的新卡，無須征稅。”

文告說，若信用卡或賒賬卡從普通卡提昇至金卡、被‘降級’（從金卡降至普通卡）、轉換卡（從回教卡改至傳統卡）等，都必須征收服務稅，除非新卡和舊卡的週年使用期相同。

任何詢問，可致電1-300-88-9980（週一至週五），或電郵至banks@abm.org.my。

Adapted from: http://www.sinchew.com.my/node/143927?tid=1

Get Cash Rebate For ALL Your Spending- UOB ONE CARD

2009-12-28T01:48:00.000-08:00

With UOB ONE Card, you'll get cash rebate everyday at the leading hypermarkets and all other spending. Cash rebate accumulated can be redeemed on-the-spot to pay off your subsequent purchases at over 1,000 participating merchant outlets. Whether it's grocery, petrol, utility, or just about anything; you can now stretch your ringgit.

Get Smart$ Cash Rebate For ALL Spending
Grocery at Tesco, Giant and Carrefour	2%
Petrol at BHPetrol	2%
Utilities/ Bill Payments via UOB PayOnline	0.5%
Purchases at Other ONE Card partners	Up to 15%
Purchases at Smart$ merchants	Up to 10%
ALL other purchases	0.3%

DON'T MISS THIS!

Apply Online Now & Get A THERMOS Drinking Jar
Apply for UOB ONE Card online and enjoy annual fee waiver, plus get a FREE THERMOS drinking jar! Click here to apply NOW

* Terms and conditions apply.

Welcome Vouchers
Double the job of using your UOB ONE Card through the complimentary vouchers exclusively for you!

* Every new UOB ONE Card cardmember is entitled to one set of complimentary vouchers.

ANNUAL FEE WAIVER
Apply for UOB ONE Card now to enjoy annual fee waiver for the first 2 years and perpetual annual fee waiver*!
* Cumulative 12 transactions per year for UOB ONE Classic Card/ 1 transaction per month and
cumulative RM3,000 spend per year for UOB ONE Platinum Card.

OTHER FEATURES AND BENEFITS

Wave And Go
Make payment at participating merchant outlets by waving your UOB ONE Card that comes with the Visa payWave feature. No signature required!
- Each Visa payWave transaction is capped at RM150.

Supplementary Cards
A joy shared, is a joy doubled. Share the benefits of your UOB ONE Card with your loved ones.
- 'ONE Cardmember' is entitled to 2 supplementary cards.
- RM30 annual fee is chargeable on each supplementary card account yearly.

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

UOB Dining Privileges
Tantalize your taste buds with fantastic deals at 1,000 exquisite restaurants across Malaysia, Singapore, Thailand and Hong Kong with UOB Dining Privileges. Plus, indulge in the Monthly Hot Picks in store for you at the best eateries around.

UOB Travel Planner
Enjoy personalised services from reservations, ticketing to customising holiday packages with UOB Travel Planner. All credit card surcharges on travel tickets/packages purchased via UOB Travel Planner using your UOB ONE Card will be waived.

0% Payment Plan
Enjoy financial flexibility with 0% Instalment Payment Plan (IPP) at our partner merchant outlets. Or convert your purchases into affordable interest-free instalment payments up to 18 months with Easi Payment Plan (EPP).
- Terms and conditions apply.

Balance Transfer Program
Consolidate all your spending by transferring your outstanding credit card balance from other banks' credit cards to your UOB ONE Card to enjoy low interest rates.

Smart Protector Enhanced (Optional)
Get coverage of up to RM300,000 in the event of unforeseen circumstances with a premium of RM0.65 per RM100 outstanding balance per month.
* Terms and conditions apply.

UOB ONE PLATINUM CARD EXCLUSIVE

Concierge Service
Journey with peace of mind because all your needs will be attended to professionally when you travel with UOB ONE Platinum Card.

Pre-tip Assistance

Restaurant Referrals and Reservations

Information & Referrals On Local City Event And Attractions

Business Services Assistance

General Arrangement

Global Visa Platinum Privileges
Whether you prefer pampering spa retreats or enjoy access to your preferred green and complimentary tee-off whenever you feel the need for a swing, you can always enjoy 5-star Visa Platinum Privileges with UOB ONE Platinum Card.

Adapted from: http://www1.uob.com.my/webpages/p_cards_credit_One.htm

PB ING Credit MasterCard PayPass Card

2009-12-28T00:20:00.000-08:00

Cash back on your insurance premium and other purchases!
Our Cash MegaBonus offers you 2% back in cash for every Ringgit you charge to your Card for your ING Insurance Premiums. It also offers you Unlimited Cash MegaBonus of up to 0.6% for every Ringgit you spent for other transactions to the Card.

Retail transactions exclude casino and petrol transactions, cash advances, balance transfer, government-related payment and utility bills payment via www.pbebank.com, PB Telebanking and ATM.

The Cash MegaBonus you earn will be accumulated over 12 months and credited directly to your Card Account when your Card is renewed in the 13th month. There is no minimum qualifying criteria of the Cash MegaBonus.

Automatic Travel Insurance
Enjoy more protection wherever you are in the world! Get FREE Automatic Travel Insurance of up to RM300,000 when you charge your full travel arrangements to your Card. You can even claim for inconvenience benefits due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellations and Repatriation expenses.

PBeBank.com and PB Telebanking Services
Access banking services any day of the year from wherever you are in the world.

More privileges!
The full list of privileges that PB ING Credit Cardmembers can have access to:

24-hour Customer Service
Our Customer Service Consultants will also be on call 24 hours a day to attend to any queries you may have on our products and services.
Preferential fees on Cash Advances
Cardmembers are accorded preferential fees on Cash Advances:
5.0% at Public Bank Group ATMs and branches nationwide
* subject to a minimum cash advance fee of RM20.00 per withdrawal
Insurance Rebates
You can enjoy preferential rates on Householder's Insurance, Golfer's Insurance and Making of Wills/Creation of Trusts/Trust Management. For more details, please contact Lonpac at 03-2262 8688 or PB Trustee Services at 03-2176 6624.
Supplementary Cards
You can apply for Supplementary Cards to extend the privileges and convenience of your MasterCard Cardmembership to your loved ones.

Adapted from: http://www.publicbank.com.my/en/en_content/personal/cards/master_ing.html

RHB Platinum Business Credit Card

2009-12-28T00:10:00.001-08:00

Overview
If your world is business and your business is around the world, the RHB Platinum Business card is definitely for you.

Key benefits of the RHB Business Card includes:

Cash rebate of 1% for retail charges (except for Petrol, Government & Charity transactions).
Lower interest rate of 1.25% p.m.
High travel insurance coverage of up to RM2 Million.
Streamlines and simplifies travel & entertainment expenses.
Access to MasterCard Concierge Service and MasterCard Moments benefits.
Better record keeping with duplicate monthly statement for both company and cardholders.
Segregate business & personal expenses.

Other benefits of the RHB Business Card includes:

Travel Insurance Coverage up to RM2 Million when tickets are purchased using the credit card. Also extends to spouse and dependent children (aged above 6 months and below 20 years)
Purchase Protection Plan up to RM30,000 per annum (principal and supplementary cardholders) for retail purchases against loss, damage and theft up to 21 days from date of purchase
Biz Cash – every Ringgit charged will entitle a 1% cash rebate, credited monthly to the card account to offset against the card bill
Company name on cards (optional) to enhance corporate prestige and recognition
Consolidated Statements sent to every individual cardmember with a duplicate of each statement sent to the company
Cash Advance makes getting money easier and more accessible with up to 50% of the given credit limit
Smart Instalment – enjoy 0% interest-free instalments from over 70 merchants for up to 48 months. Terms and conditions apply
Dial-An-Instalment – enjoy instalment payments at a lower interest rate of 0.75% per month for absolutely anything within a minimum purchase of RM500
Worldwide Card Acceptance giving you and your business a better edge
Smart Pay offering a convenient and simpler way to pay your company bills at participating merchants automatically