HOTEL MEMORIES (PENANG)

2012: ANGGERIK LODGING, GELUGOR

A budget-friendly hotel located at Hilir Pemancar, Taman Tun Sardon, Gelugor, Pulau Pinang. It is known for its convenient lecation near local food stalls and the University of Science Malaysia (USM). 

I stayed at this hotel with my colleagues during the Community Level Health Screening program in Kampung Titi Teras, Balik Pulau, Penang on 15 April 2012.

2012/2013: SRI INDAR HOTEL, BUKIT MERTAJAM

A prominent budget-friendly hotel located at Jalan Sungai Rambai, Bukit Mertajam, Pulau Pinang. It gained popularity for its proximity to local industrial hubs like the Prai and Juru Industrial Estates. Established in 2009, today in 2025 it is widely known as OYO 510 Sri Indar Hotel. 

I stayed at this hotel with my colleagues during the Health Screening program at AEON Seberang Perai City (2012) and at SMK Bukit Berapit (2013).

2014: HOTEL SERI PAUH, PERAI

A 2-star budget hotel located at Taman Pauh Jaya, Perai, Pulau Pinang. It is located in the business neighbourhood of Jalan Baharu, Perai, Penang. The hotel offers proximity to a varity of local dining and shopping includes AEON Seberang Prai City, Sunway Carnival Mall, Mydin Mall, Penang Bird Park etc. 

I stayed at this hotel with my colleagues during the Penang Heart Week 2014 program at AEON Mall Bukit Mertajam from 21 - 24 August 2014.

2014: HOTEL PALM INN, BUKIT MERTAJAM

The hotel located at Taman Industri Permatang Batu, Bukit Mertajam, Pulau Pinang, near the Bandar Perda area. A basic, affordable and clean hotel offering good value for money. 

I stayed at this hotel with my colleagues during the Health Screening program held at Apartment Permata, Bandar Baru Perda, Bukit Mertajam on 22 June 2014.

2015 : OLD PENANG HOTEL, GEORGE TOWN

Located at Kampung Jawa Lama, within a 5-minute walk of Penang Time Square,an affordable and convenient base for exploring George Town historic core, shopping and food scene. 

I stayed at this hotel with my colleagues during the Colour My Heart Run program at Padang Kota Lama on 19 April 2015.

2016: APPLE 1 HOTEL, BAYAN LEPAS

A budget-friendly hotel located in the heart of Bayan Lepas, directly oppostie the Queensbay Mall. Its offers easy access to shopping, dining and other amenities.

I stayed at this hotel with my colleagues during the Bubble Dash Run program which took place in Bayan Lepas, Penang on 25 September 2016.

2017: BG BUSINESS HOTEL, BUKIT MERTAJAM

Located at Jalan Perniagaan, Jalan Perda Barat, Bukit Mertajam, Pulau Pinang, close to local business hub and attractions like the Seberang Perasi Arean Conventon Center and Bandar Perda Food Retention Pond. 

We stayed at this hotel during a Health Program at Apartment Mutiara at Bandar Baru Perdaon 9 April 2017. 

Among the sweet experiences during my travels to Penang, I will never forget them.

Compiled by:

Hj Zulheimy Maamor

Lembah Keramat, K.L

16 December 2025: 12.07 a.m

MEMORIES - MY COLLECTIONS OF MEMBERSHIP CARD ETC.

AUTOMOBILE ASSOCIATION OF MALAYSIA (AAM)

Established in 1932 through the merger of existing Malayan automobile clubs, acting as national motoring authority and official spokesperson for Malaysian vehicle owners. 

In its early days, the AAM provided essential information to motorists, including road maps of Malaya, town plan, details of rest houses and first-aid hints, as evidence in a 1939 handbook. 

In 1955, AAM introduce the country's first Motorcycle Patrol services.

In 1991, AAM launched its first breakdown and towing services in Kuala Lumpur, later expanding to other major cities. 

In 2010, AAM Automotive Centre (AAC) was officially launched in Batu Caves, offering a one-stop shop for automatic and collision repairs. 

In October 2016, AAM announced the closure of 11 branches nationwide as part of a recovery plan to reduce losses.

In March 2019, the Office of the Sports Commissioner (PJS) revoked AAM's status as the official sports body for motorsports, cancelling its registration.

AIA HEALTH SERVICES SDN BHD

Provides healthcare marketing and management services to support AIA Bhd, which offers a variety of health and medical insurance plans. However, I am no longer an active member of this insurance after retiring.

 

AKOJAYA SDN BHD

My wife and I used to be distributors of Akojaya products, a Malaysian company, an importer and distributor of household tableware, glassware and related products. Established in 1981, supplies a wide range of products to the Malaysian Market.

NATIONAL TRANSPLANT RESOURCE CENTRE (NTRC)

Pusat Sumber Transplan National, an important institution under the Ministry of Health Malaysia that manages and coordinated organ donation activities in the country. It is located in Kuala Lumpur, currently operating out of the Wisma Sejarah Building. The admin office is at the Hospital Kuala Lumpur. 

COURTS MAMMOTH - HOMECLUB CARD

Was once a member of the Mammoth Courts Homeclub, but is no longer active. It is the official rewards program owned and managed by Courts  (Malaysia) Sdn Bhd, formerly known as Courts Mammoth. 

IWANI HALAL FROZEN FOOD MEMBERSHIP CARD

A membership that provides special prices on their products and selected items. The membershipis available for a fee. The outlets is in Taman Permata, Hulu Kelang, Selangor and Taman Greenwood, Batu Caves, Selangor.

REALREWARDS MALAYSIA

A household multi-merchant coalition loyalty program. It allows 4 million members to earn and redeem points across a network of business partners including retailers, restaurants and insurance providers. 

Points can be redeemed for merchandise, goods or services via the RealRewards Online Catalog or at in-store redemption partners.

REVELL SDN BHD (SOUTHEAST ASIA)

Revell Sdn Bhd is a direct selling company based in Malaysia that distributes health supplements, homecare and cosmetic products. There are a corporate member of the Direct Selling Association of Malaysia. 

My wife and I were once Revell distributors, but we are no longer active.

SATINNI MATCH PLUS (M) SDN BHD

A Malaysian company involved in the distribution and supply of fashion, leather products, houseware and premium gifts and souvenirs. The company operates in Melaka. 

My wife was a Satinni agent and used to be active, but now she is no longer active due to age.

SMARTLINK2U PREPAID IN 2015

Smartlink2u was once a specific mobile plan available in Malaysia. It appears to have been one of many competing prepaid options in the Malaysian market at that time. Today in 2025, it appears to be no longer in business as a prepaid mobile service. 

TESCO RHB BANK AND CLUBCARD

Tesco have been rebranded as Lotus's Stores Malaysia. The former Tesco Clubcard program has been replaced by the My Lotus's Loyalty Programme. 

TOUCH & GO MALAYSIA

Touch 'n Go (TnG) was established in 1996 as Rangkaian Segar Sdn Bhd to provide Malaysia's first card-based electronic toll payment system. Officially launched on March 18, 1997, it began at the Jalan Pahang and Jalan Cheras Toll Plaza. 

1999-2000: SmartTAG was introduced to allow motorist to pass tolls without stopping. 

2018: Touch n' Go eWallet officially launched.

AEON MEMBER PLUS VISA CARD

A 2-in-1 prepaid card and loyalty card designed for frequent shoppers at AEON-affiliated outlets. In 2025, AEON is also transitioning the naming of its standard credit cards to include Member Plus branding.

Amongs the benefits and rewards of AEON Members cards are AEON Points for every RM1 spent at AEON Stores, AEON Big, AEON Wellness, Points Redemption, Free Parking and others.

AMWAY DISTRIBUTOR AUTHORITY CARD

This card was issued to me in 2003 as the AMWAY distributor, authorised to conduct business as independent distritutors for Amway. 

BIOSHOP CORPORATION (M) SDN BHD

A private limited company based at Taman Melawati, Kuala Lumpur, involved in the health care products industry. 

BONUS LINK

Malaysia's first multi-partner consumer rewards program, allowing over 9 million members to earn and redeem points across a vast network of merchants. Among the privileges to members are earn up to 5x points on fuel and Shell select purchases , use points instantly at over 1,000 locations including Shell, Parkson, Focus Point and 99 Speedmart. 

KAD RIA - PUSAT PAKAIAN HARI-HARI

Kad Ria (or KadRia app) is the official membership program for loyal customers of Pusat Pakaian Hari-Hari which offers various exclusive benefits.

HERO MARKET MEMBERSHIP CARD

Free for life, with no registration or yearly renewal fees. You can sign up either at a physical store of through their mobile app. 

HINODE SHOP FRIENDLY CARD

A customer loyalty program, offers various benefits across all Hinode Shop outlets in Malaysia. Hinode shop is a retail chain specialising in affordable gifts, souvenirs and home decor accessories with a "Japanese decorative theme" in some stores. It has been established in Malaysia for over 30 years.

HYPERSHOE PRIVILEGE CARD

A major footwear retailer in Malaysia with approximately 40 outlets, primarily concentrated in the Klang Valley. 

KAD CERIA - JABATAN WILAYAH PERSEKUTUAN

A discount program managed by the Department of Federal Territories, designed to help residents of Kuala Lumpur, Putrajaya and Labuan manage cost of living by providing discounts on daily essentials. However, I have never used this card once since it was given to me, I don't remember what year.

PETRONAS MESRA CARD

The primary loyalty programme for PETRONAS customers in Malaysia, allowing you to earn and redeem points on fuel and convenience store purchases. 

SENHENG PLUSONE CARD

A physical and digital loyalty program that offers exclusive benefits like an extra 1-year warranty and S-Coin cashback on purchases at Senheng and SenQ outlets nationwide .

POPULAR CARD

The primary membership program for POPULAR Bookstore. Members received 10% discount storewide at over 150 branches across Malaysia, Singapore and Hong Kong.

WATSON MEMBERSHIP CARD

Provides access to exclusive health and beauty rewards,point accumulation and discounts across various regions including Malaysia, Singapre and the Philippines. 

PETRON MILES

The loyalty program for Petron Malaysia that rewards customers for fuel and select non-fuel purchases. Membership is free and has no membership fees. 

OTHER CARDS

Compiles by:

Hj Zulheimy Maamor

Lembah Keramat, K.L

17 December 2025: 9.42 p.m

MEMORIES - MY COLLECTION OF BANKS ACCOUNT & ATM CARDS

PHILEO ALLIED BERHAD

Established as Allied Bank,it was subsequently renamed PhileoAllied Bank after being acquired by PhileoAllied Berhad in the mid-1990s. It started operations as a Malaysian-owned bank after taking over the single Kota Kinabalu branch of UOB.

In the late 1990s, PhileoAllied Bank was instructed to merge with a weaker Multi-Purpose Bank (now Alliance Bank). PhileoAllied Bank was sold to Maybank in January 2001.

I opened a PhileoAllied Bank account at the New Town branch, Petaling Jaya on 13 January 2000 to credit my monthly salary into this bank account.

DIRECT ACCESS / SOUTHERN BANK BHD

"Direct Access" was the name of the first direct banking service launched by the former Southern Bank Berhad in Malaysia in the late 1990s.

However, Southern Bank Berhad was acquired and fully integrated into CIMB Bank in March 2007. The "Direct Access" service is no longer a standalone offering, but rather part of the broader suite of CIMB's banking services. 

Southern Bank Berhad (SBB) once the 9th largest bank in Malaysia with a strong retail and SME business, was fully acquired by CIMB Group Holdings Berhad in a significant merger that concluded in March 2007. 

I am a Direct Access Mastercard holder while working with the Institution of Engineers, Malaysia. I opened a Southern Bank account at the Taman Seri Rampai branch, Setapak, Kuala Lumpur on 5 March 2007.

EON BANK BERHAD

EON Bank Berhad was established after Edaran Otomobil Nasional (EON) acquired a 46.85% stake in the Sarawak-based Kong Ming Bank in 1991.

Following the Asian Financial crisis and subsequent banking sector consolidtion efforts by Bank Negara Malaysia, EON Bank Berhad was acquired by Hong Leong Bank in 2011. The entire business transfer was completed on 1 July 2011, and EON Bank became a dormant company . I was EON Bank Visa cardholder in the year 2005. 

There is a separate entity called AEON Bank (M) Berhad, launched in May 2024 as Malaysia's first Islamic digital bank. However it is not related to the former EON Bank Berhad. 

KWONG YIK BANK BERHAD

Kwong Yik Bank Berhad was founded on 15 July 1913 in Kuala Lumpur, and was Malaya's first local bank, aimed at serving the local Chinese community. 

In 1996, Rashid Hussain, a prominent figure in Malaysian finance, acquired a 75% stake in the bank from Malayan Banking Berhad..

In 1997, Kwong Yik Bank Berhad menged with DCB Bank Berhad (Development and Commercial Bank). Following with further merger with Sime Bank in 1999 and Bank Utama in 2003, the entity evolved into the modern-day RHB Banking Group, which is a major, fully integrated financial services provider in Malaysia today. 

BUMIPUTRA-COMMERCE BANK BERHAD

Bumiputra-Commerce Bank Bhd is no longer an active banking entity, it was a key transitional institution that was ultimately absorbed into the current CIMB Group structure. 

Bumiputra-Commerce Bank was formed in October 1999 through the merger of two existing banks : Bank Bumiputra Malaysia Bhd dan Bank of Commerce (Malaysia) Bhd.

The acquisition of the Bumiputra-Commerce Group by CIMB was announced in June 2005, and the restructuring exercise was largely completed in January 2006, marking the official launch of the new CIMB Group.

1. Bank Bumiputra Malaysia Bhd, established in 1965
2. Bank of Commerce established in 1924 in Kuching by Wee Kheng Chiang, formerly known as Bian Chiang Bank, served as the earliest origin point for the current CIMB Group. 

POST OFFICE SAVINGS BANK 

Locally known as Bank Simpanan Pejabat Pos, traces back the history in the 19th century, leading to its transformation into the modern-day Bank Simpanan Nasional.

The concept of saving banks within Post Offices began in British Malaya to encourage thrist among lower-income citizens. The first ones, such as the Perak Savings Bank (1888) and Selangor Savings Bank (1893), were managed by the respective state treasures before being taken over by the Postal Department. 

In 1948, The Post Office Savings Bank was formally established through the merging of several state-level post office banks under the Post Office Savings Bank Ordinance 1948. It operated as part of the Postal Services Department. 

In 1974, Malaysian Government established Bank Simpanan Nasional (BSN). The BSN Act 1974 repealed the former ordinance, and BSN Offficially took over all functions and responsibilities of the Post Office Savings Bank on 1 December 1974.

I first open my BSN Account at the Sibu, Sarawak Branch on 4 May 1984

AMANAH SAHAM NASIONAL BERHAD

Malaysia's largest unit Trust Management company, a wholly-owned subsiadiary of the state-owned investment management company Permodalan Nasional Berhad (PNB). Established in 1979, its primary goal is to promote long-term investment and financial well-being among all Malaysians by offering a variety of unit trust funds. 

BANK KERJASAMA RAKYAT MALAYSIA BERHAD

Commonly known as Bank Rakyat, is Malaysia's largest Islamic cooperative bank and the second-largest Islamic financial institution in the country. 

Established in 1954, its original name was Bank Agong Kampong Bekerjasama-sama Persekutuan Tanah Melayu dengan Tanggungan Berhad. 

MAYBANK (MALAYAN BANKING BERHAD)

The largest Malaysia's financial institution. Founded in 31 May 1960 by Singaporean businessman Tan Sri Khoo Teck Puat, began its operation from its first branck on Jalan Tun H.S.Lee Kuala Lumpur. 

Maybank become the first Malaysian Bank to set up ATMs and introduce computerised savings and current accounts services. 

In 2000s : Maybank launched Maybank2u.com in June 2000, becoming the first bank in Malaysia to introduce internet banking services. 

RHB BANK BERHAD

RHB Bank Berhad traces its origin back to 1913 with the establishment of Kwong Yik Bank Berhad, Malaya's first local bank. 

The modern day entity, RHB Bank Berhad was officially formed in 1997 through a significant merger. 

1983: establishment of Rashid Hussain Securities, acquired a 75% stake in Kwong Yik Bank in 1996.

1997: Kwong Yik Bank Berhad merged with DCB Bank Berhad to form RHB Bank Berhad, followed by a merger with Sime Bank Berhad (formerly United Malayan Banking Corporation) in 1999 and the merger of Bank Utama Berhad into RHB Bank in 2003. 

ARAB-MALAYSIAN FINANCE BERHAD (AMFB)

The former name of a major Malaysian Financial institution that is now part of the larger AmBank Group. Incorporated in 1980 and subsequently listed on the Kuala Lumpur Stock Exchange (KLSE) in 1991. AMFB's business was vested into MBf Finance, and it was renamed as AmFinance Berhad (AmFinance).

CIMB BANK

CIMB is an abbreaviation that stands for Commerce International Merchant Bankers. The name originated in 1986 when a predecessor entity, Pertanian Baring Sanwa Multinational Berhad, was renamed to Commerce International Merchant Bankers Berhad after Bank of Commerce acquired a controlling stake.

CIMB Bank earliest predecessor, Bian Ching Bank founded in 1924 in Kuching. In October 1999, combining the Bank of Commerce and Bank Bumiputra Malaysia Berhad to form Bumiputra-Commerce Bank Berhad. 

In 2005, Bumiputra-Commerce Group was acquired by CIMB and was renamed Bumiputra-Commerce Holdings. 

In March 2006, the final major merger in Malaysia involved the acquisition of Southern Bank Berhad. 

In September 2006, CIMB Group was officially launched by the then-Prime Minister of Malaysia. 

UOB BANK BERHAD

UOB Bank (United Overseas Bank (Malaysia) Berhad), began with the acquisition of Chung Khiaw Bank's Malaysian operation, with a heritage dating back to 1951. UOB Bank introduced its first ATM in 1982, followed by the country's first drive-thru ATM and its new Menara HQ in 1984. 

BANK ISLAM MALAYSIA BERHAD

Established on 1 July 1983, as Malaysia's first Islamic bank, following the enactment of the Islamic Banking Act 1983. It is a full-fledged, pure-play Islamic bank that provides Shariah-compliant banking and financial solutions to both Muslim and non-Muslim customers nationwide. 

BANK MUAMALAT MALAYSIA BERHAD

Bank Muamalat Malaysia Berhad was established on October 1, 1999, as the first full-fledged Islamic bank in Malaysia. It was formed to meet the growing need for Shariah-compliant financial services in the country.

15 November 2017 : The bank was accepted as a member of the Global Alliance for Banking on Values (GABV), becoming the first Islamic bank in the world and the first in Southeast Asia to join the alliance.

TABUNG HAJI

The history of Lembaga Tabung Haji (TH), began in the early 1960s with the aim of providing Malaysian Muslims a Shariah-compliant way to save money for the Hajj-related affairs. 

1959: Royal Professor Ungku Abdul Aziz bin Ungku Abdul Hamid, a prominent Malay economist, proposed the establishment of a Hajj savings corporation to the government to protect pilgrims from unscrupulous middleman and ensure their savings were free from riba' (usury).

1963: The Perbadanan Wang Simpanan Bakal-Bakal Haji (PWSBH) was established.

1969: PWSBH merged with the Hajj Affairs Office (established in 1951 in Penang) to form the Lembaga Urusan dan Tabung Haji (LUTH). 

1995: LUTH was renamed to its current name, Lembaga Tabung Haji (TH), and is governed by Tabung Haji Act 1995 (Act 535).

Compiled by:

Hj Zulheimy Maamor

Lembah Keramat, K.L

16/12/2025: 11.33 p.m