Guys, I would like to know something regarding to Direct Access. How's the cash back procedure works? Is it direct deduct from the amount or carry forward to deduct in next month (like Citibank Shell cc)?

Just to make sure, DA doesn't count any reward points right?

Thanks.

there's no AF for AMEX Gold CC, it's free for life with no conditions attached

the one with AF is AMEX Gold charge card

This post has been edited by alexwsk: Aug 25 2009, 12:08 PM

They will deduct for hypermarket purchase.

hi guys.

would like to ask if there is any difference in signing up for a CC during a roadshows in shopping malls, rather than a visit to the banks?

Still abit doubtful if i sud sign for CCs.

Regards

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.

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Added on August 25, 2009, 12:22 pmThanks for correcting my oversight. I was looking at the charge card instead.

I don't have any MB card because I did hear a few horror stories before, basically billing mistakes. So how are their service nowadays?

This post has been edited by Optiplex330: Aug 25 2009, 12:26 PM

alexwsk have showed you the calculation below and the was pointing out the cash back of RM1 for every 200 MR. As for the 5X rewards daijoubu have given you the link or simply goto AMEX Home page and Click on AMEX Gold CC.

alexwsk, yah you are right, better to get cash back instead of RM50 vouchers requiring more than 10K MR.

Optiplex, there are several people having problem with auto debit with AMEX Gold CC, but I believe this will be sorted out soon.

And as aeronlim mentioned AMEX Gold CC, it is free for life I guess it might be kind of confusing as there are too many type of AMEX cards nowadays. we are all referring to AMEX Gold Credit Card without the MBB logo. AMEX even have Tol Free CS line for Gold cards where as most other CC cards don't have and it is truly 24 hours service.

I also have Alliance and do think the card is pretty good in terms of cash back for Visa/MC in general. Also my Alliance Plat gives me reward points which is compettive with other Visa/MC for voucher redemption on top of cash back. It is the only card that does not charge Admin Fees for overseas transactions plus giving you 2X reward points . But the CS sucks big time and unfortunately there aren't many discount/offers for Alliance at places I do spend my money.

winner did post about 2 weeks back a comparison for Justone and another card and Justone rate was high. Go search winner post in this thread. For overseas transaction fees, read first post of this thread and if you do have overseas transactions including for online transactions, better you get Alliance card and save some money on those stupid Admin Fees.

The cash back for DA Visa is direct deduct in the Statement and yah no reward points

This post has been edited by Gen-X: Aug 25 2009, 12:29 PM

So how do you pay AMEX (not MBB AMEX)? Sending checks through the post isn't exactly a attractive option.

As for overseas transaction. How does AMEX's exchange rate compares with MC/VISA? And how's the administration charges?

U can pay thru www.Maybank2u.com.my there's an option

Basically you can get free gift
If you use it as if you are using the cash which u hv in the bank, then go for it

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Added on August 25, 2009, 12:54 pmbeen using MBB cc since 2003, no prob so far
except longer waiting period to call CS (but it depends on what time u call, I hv no prob calling early in the morning)

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Added on August 25, 2009, 12:58 pmU can pay it using M2U, just like the normal MBB cc
as for the overseas charges, it's definitely higher than master and visa, 2.5% or above if not mistaken

This post has been edited by alexwsk: Aug 25 2009, 12:58 PM

For my DA VI, the cash back for 2% or 5% for Giant and TESCO, 0.5% for local trasactions and 1% for overseas transactions are reflected in total in my monthly statement where I just got the first one this month.

AMEX operations in Malaysia have been taken over by MBB few years back and since then I have been paying my AMEX Charged Card bills (drop into "box" only) and yesterday for first time AMEX Gold CC (use Electronic Cheque Deposit Machine where a copy of the cheque is printed out in the receipt) at MBB branches.

For overseas transactions not wise to use AMEX's AMEX as the Admin fees is high at 2.5% (not sure on MBB's and HLB's AMEX card rate). But recently I did use AMEX at Universal Studios LA as AMEX members get up to 10% discount for their photo package and USD5 off for every USD35 at their stores (which works out to be up to 14%).


I have been calling AMEX Tol Free line for AMEX Gold Card (Charged and Credit same number 24 hours) and I can't remember putting on hold for long time. And when I call the Tol Free line behind my MBB Petronas Platinum Card last Friday at about 11am to activate it, the call was picked up immediately.

Talked to the HSBC staff who handled my application for their credit card pledged by time deposit. Was told there is NO legal fee need to be paid. And i also received a call from HSBC credit card centre this morning that the card's ready and i shall get it the latest by Friday


I normally pump at 3 different Shell stations and my AMEX was never rejected.


Our AMEX Charge Card's bill is prepared by American Express regional office in Hong Kong. No mistakes thus far. A happy AMEX customer

Petrol rebate is deducted on the statement date.
Hypermarket and MPH rebate after 10th of the next month.

Shell-Citibank sucks by carry forward and deduct after accumulating RM20....

For hypermarket beside rebate, they also cut your points too...

Thanks for all the answer. It made me clearer. Yes, Citibank tactic is a type of $$ vampire. They left us to wait for 'every next month' deduction.

Let me go home and check my bill

i want to know about Extended Payment Plan like provided by hong leong cc. Is this an automatic included plan when u apply the card or else?
"payment tenure with our 0% interest installment plan for 6-month and 12-month"
does the above mean that i have interest free for 6 or 12 month for any item purchased?

same here.

thought shd have point.

I've got rebates at ISETAN, Guardian, KFC using my CIMB Mastercard. I've got bonus points too. Maybe it's different for Direct Access only ? If so better just use CIMB Mastercard.

For Mastercard got points, for visa (hypermarket rebate) will deduct points....