Yes, normal house telephone and Streamyx can be direct auto debit by using Express Pay, they will reward you 5x point for subscribing it.

For the annual fee, the Free for 3 Year is for AMEX Gold Charge Card, now the latest AMEX Gold Credit Card is free for life and the 5x reward is given by without any condition, no need to phone call them to activate the service and waive the annual fee.

Indeed there still some disadvantage on AMEX (merchant not that popular as VISA and MC) but it is a great potential card that gives you a lots of rewards.

I think there is no much different with the old one, all the benefit and privileges are the same, maybe will attract many MU fans lor

It seems like the 5x treat point are the same, but add in some Islamic terms such as Syariah, takaful blah blah, i heard this type of card can't used to purchase beer and pork something that Islam prohibited right?

AMEX CC is giving MR points, even in M2u the point are mixed together (i think is their system haven't update to separate it), but the monthly statement will clearly separate it to 2 different statement, it will divided to : Maybank Statement (in yellow color) and AMEX statement (in blue color background). Check this out on your next month bill

It is better for submit after 3 month cooling off period, by the way, you can apply for other bank credit card at the same time.

I think Travel Money from RHB is basically used for other country transaction, you will get extra rewards for that, but I also not so clear. As far i know is the card holder can get cash rebate for petrol, i think they probably will renew the contract and let the user keep on have this privilege, last year they renew this promotion, so no worries.

If you are looking for cash rebate cc, suggest you apply for the cards below

Citibank Shell VISA Credit Card (up to 5% rebate on Petrol)
CIMB Petronas Mastercard / Islamic Mastercard (2% rebate on petrol, 0.5% other purchase)
Alliance Bank Younique Mastercard (select cash rebate option)
SCB Justone Mastercard (this is the one i see most people discussed in this thread, feeling )
American Express Gold Credit Card (200 point = RM 1 rebate, recommend this as many of outlets can get 5x point)


Yeah, nowadays so many competition among banks and petrol price raised (even hard to feel that, but it is true, petrol really raised ), extra points and cash rebate will be one of bank's credit card features to attract customers

You can try to apply if you are maybank card holder, last time when my salary is about RM 1400 (lower than the requirement for classic card), Maybank send me a letter ask me to take the letter to their branch to claim the credit card.
Or you can try to apply to those banks you interested at the same time, the agent are willingly to help you as apply more bank the commission will be more.

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Added on September 10, 2009, 9:22 am@Micheal_G

For the RHB credit card, You can choose to active and then cancel if you feel that the privilege of the card is not good, or not to activate and watch the situation first.

For the Ambank Real reward, i think it should be Free for life, depends on which information you get are the most updated, the annual fee normally is charged for their customer service provided to you. But nowadays it is easy to get your annual fee waived, when you see there is an annual fee on your bill, just call them and ask for annual fee waiver.

The benefit of the Real Reward card is let the customer earn Real Reward point when buying, you can link this card with your Real Reward card to get extra points.

This post has been edited by aeronlim: Sep 10 2009, 09:22 AM

I think the disadvantage of the Islamic card was this, it is even worse when you don't have enough cash in your wallet