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be warned, those who are using this card! although the prudential website says that annual fee will be waived if you spend $6k and above per year, they will deduct your stnd$ to offset your annual fee!!! this happened to me. i actually spend $15k on this card in the past year. not difficult since insurance premium is also inclusive. so i had some pts in the card. and they just deducted when the time came to pay annual fee! called up the hotline and the stupid CSR just keeping repeating her standard answer that becoz i have unused stnd$, they will offset that against the annual fee. i ask her if i spend $6k in the past yr? she said yes. BUT... becoz blah blah blah... pissed off.. ask for CEO email. refuse to give. ask to speak to manager. finally he agreed to reinstate my card and points. also said he will liaise with prudential to change the wording on their website. really waste time. guys, if u using this card, make sure you note when the pts expire and redeem them b4 it gets offset against your annual fee. and the best part is - i asked the manager why no one complain b4... he said.. he work there past 3 yrs... no such thing happen. he din even realise the website liddat say. wah.

Received a call today. From so called Standchart with a free loan and 5years platinum CCard. The marketer said can loan 4times of salary and only need to pay 1.8% insurance. No hidden charges, no agreement fees, no yearly fees, no interest, etc! A Ten days no obligation look see before one accept the loan or not. The courier guy will be coming to my place tonight to let me sign the documents. I tried asking to fax in the fine print or terms and conditions to me first, but the telemarketer said the courier will give me a personal copy tonight! Anyone has taken standchart loan thru this scheme? Is it worth it? I mean can I really loan 4times of my salary for 2-5 years at only 1.8%? The money can be used to finance other investment cheaply? yes/no?