Hello all, Wanted to share my experience. After 6 months of living in Taiwan, applied for a CC with Standard Chartered bank. The process was very smooth, at least for me. I just signed the application form (since it was all in Chinese), gave payslips and ARC. They filled all the details. no guara…

That’s good to know. [image] qwert_zuiop: (and you might need to switch the reward plan to the one with a higher reward) You mean the 4.5% one, the one that requires us to have 300k in a ESUN bank, right? [image] qwert_zuiop: if you’re aiming for the special “5000 points for $10k” optio…

[image] spicycrispychicken: You mean the 4.5% one, the one that requires us to have 300k in a ESUN bank, right? There are three different plans (their reward system is really complicated…) 2.5% for 100 merchants / categories 3.5% but you have to select 10 of those 100 (makes sense if you ch…

Wait so let me get this straight. One of the 100+ vendors is LinePay, and I can use LinePay to pay at the other 100+ vendors and I still get the same cashback amount? That really sounds like cheating, especially if they have a tier that makes you pick only 10 out of all haha. For the HSBC, so techn…

I know someone is going to come back with, why would you want to but… Has anyone ever applied and been approved by any of the smaller banks for credit cards. I remember many moons ago I tried but got rejected. It was an experiment but I got my app either rejected or kicked back by Entie, TBB, Cota…

[image] spicycrispychicken: One of the 100+ vendors is LinePay, and I can use LinePay to pay at the other 100+ vendors and I still get the same cashback amount? Yes. I’d fully expect them to drop LinePay from the list at some point in the future, though. That’s most likely just a limited prom…

[image] Niurou: Has anyone ever applied and been approved by any of the smaller banks for credit cards. I remember many moons ago I tried but got rejected. I think @Andrew and @Mataiou applied for some more “exotic” cards just for fun basically. Check the success story thread: […

[image] qwert_zuiop: I think @Andrew and @Mataiou applied for some more “exotic” cards just for fun basically. Not me, but probably @Mataiou ! I just got two of the gold card associated ones and the Costco Fubon card.

[image] qwert_zuiop: Other than that, many of those smaller banks are still stuck in the past and won’t even consider applications from foreigners… Yea I figured they might be easier to get as they were smaller but I found they were stuck in very old ways of thinking. (foreigner bad). A few …

[image] Niurou: A few of them actually ran my JCIC credit report but I’m not sure if that was perfunctory or not. Got the dreaded denial text. The others mailed the app back to me and didn’t even look at my credit. Of course, they run a complicated approval process where the foreignness of th…

I think the smallest banks card I have is from HSBC haha. Never went with super local banks, as really they either don’t have credit cards at all, or they have no business with having the headache of foreigners applying.

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qwert_zuiop February 15, 2026, 2:49am 1462

I think @Andrew and @Mataiou applied for some more “exotic” cards just for fun basically.

Check the success story thread:

Other than that, many of those smaller banks are still stuck in the past and won’t even consider applications from foreigners…