It sounds great. Finally some Shell stations accept this cc. I've just pumped full tank at Petronas and purchased groceries for the whole week as I don't wanna miss the 5% rebate on Friday!

Anyone can answer this question?

American Express® Gold Credit CardEveryday is More RewardingAnnual fee:
Lifetime fee waiver
Minimum annual income:
RM36,000

Points collected from this card is TREATPOINTS OR MEMBERSHIP REWARDS? If ME Points, is it good? Treatpoints 8000 can redeem RM50 shopping vouchers. How about ME points?

AMEX Gold CC points are Membership Rewards (MR) points. As for your question on RM50 shopping vouchers, here are some examples:

7,500 points for RM50 Coca Restaurant
8,500 points for RM50 DOME voucher
9,000 points for RM50 Robinson, Metrojaya, TGIF voucher
9,500 points for RM50 Guardian, Watson, Parkson voucher
10,000 points for RM50 Petronas, Tesco voucher

For more info, go to Amex website and click on Membership Rewards

The reason why I want Amex Gold CC is purely because of 5x reward points for petrol, groceries and books (presently Amex charged card having promotion 8x for petrol and groceries but ending soon). There is no gimmick here, other CC gives you 5X or 10X points only on certain days in a month (how to remember?) where as Amex you get 5x everyday of the month.

Why is the 5X membership reward so good? Well AMEX allows you to convert your MR to cash rebate. For every 200 MR you can get rebate RM1

Click here for Amex Cash Rebate

Here are some examples.

GROCERIES

Spend RM200 on groceries you get 1000 MR and convert to cash rebate you get RM5. That's 2.5% rebate on your groceries. No limit per month and no AF

PETROL

Petrol RM1000 a month = 5000 MR, with Amex cash rebate i can get RM25 or 2.5% Better than DA by 0.5%

I pump at Esso, every RM1000 i get RM15 petrol or 1.5%

Therefore with the Amex cash back redemption and Esso points, I get 4% rebate for petrol. Free money which is 100% tax free (as of date).

Note: if you redeem vouchers instead of cash rebate, the actual % you get in return will be higher.

i thk can pump at all shell, but must go inside counter and tell the cashier how to punch the terminal

but i heard u guys said DA only for degree +++.. im only diploma le...
Genx i dun spend much and my income very low. and i only got diploma cert. im only plan to use the CC more on petrol. my petrol every month average only RM200. which card should i take can i get any advice from u guys? let say if i take You:nique cash rebate and i pay my bill on time do i need to pay any extra charges? and what charges for annual? in a year i swipe 12times den i no need to pay the annual? then how bout PA for cash rebate and what does PA mean?  where can i find the full term and condition? i wanna read bout it so i can understand more. hehe

May I know why 3 since most all the time use only 1 card?

I have a sub-card and both primary and sub are use by 2 person.

I don't get the logic of having more than 1 card for single person, can anyone explain?

Tq.

Anyone one of you guys ever go to Disco and Ah Long agents approach you to change 1k swipe of CC into RM950 cash?

I'm sorry zazaza2009. But you need one of these to buy Bentley. 

Told you olredi. Don't use it to measure people. Tinkerbel, can you advise him ?

What is happening now? Want to boycot me again with your 3 mouseketeers formation? Take another bus la you all.

I think those cards are subbed and given by rich parents or uncles, and are not earned by self. Pls explain.

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Added on July 8, 2009, 10:44 am
What nut? Peanut, Chezelnut or Nutmeg?
Guess you are also same boat with them la, you are doing a good job, roll over !

Hi vamp, your answer to your PM,

My plat is enough for me, I want your collection but what is the use because I only use 1 card to pay all my things. Maybe you are a wild CC colectors like stamp collectors does with the Black Penny collection.

What is the quali for Amex charge card and fees? I heard that Amex is not accepeted in some retail outlets, pls advise. Tq.

Not true..

MBB Amex is still considered charge card, and it does not belongs to the Visa/Mastercard that is so-called as "credit card".
MBB Amex cant be used on machines that does not have Amex acceptance

Hi all,
I've a fraud case back in early 2008 with MBF card coz I lost my card without realising it, so I guess someone took the card and swipe extensively at all Petrol Kiosk in Puchong back then (in a day he/she might swipe up to RM700 splits into multiple transaction), till I receive a call from the bank stated I've outstanding bills only I got to find out the issue.

Immediately I filed for a police-report and appeal to the bank stated these are not my transaction, appeal went on and on and they still said its my responsibility to settle the amount as I didn't take care of my own card :-(, fine then, during my 3rd appeal, I received a court-case letter from the said bank, to avoid any troubles, I just made the full settlements.

I thought everything went fine, till recently I went to applied SCB Platinum, I'm meeting and actually exceeding their eligibility by quite a margin, and yet it failed stated I've a record at CTOS, last 2 days I made myself available and went to get my printout for both CTOS and CCRIS, I've perfect record for CCRIS, but this mentioned case is in CTOS, but has been closed and remark with "Debt fully settled".

Since my SCB application failed, I requesting a credit-limit increase on my current HLB Gold Visa, I'm just asking the limit to be increased from RM9500 to RM15000, yet it still failed and I requested for a reason, but CS told me they can't do anything, all the application is subject to the management approval or things like that...I can't believe it as I'm holding this card for close to 4.5 years, and nv ever has a late payment and all the time I'm settle the full amount.

Anything I could do? I've got myself both recent print-outs from CCRIS and CTOS...recently I've a transaction online and believe it or not, I need to transfer money to my HLB account to clear up the limit issue so that the new transaction can go thru successfully.

I'm looking for a replacement card for the HLB now and will nv ever turn back...

* b00n
I've provided release-letter from the said bank (not CTOS printout) before, and I felt insulting by keeping appeal to get something that I deserved in the first place, I requested them to check the CTOS as I'm very sure even there's a record, its from my case and it has been settled and I've got the release letter, still my application failed

anyone here know whats the different between charge card and credit card?

maybank ppl call me ask apply for amex charge cards...

really apreciate the info...

Hi, I've requested a replacement of my HLB Visa card few months ago, but they want to charge RM50 so I just ignore, the card has some cracks but still usable..

thanks.. i heard having a current account (house loans purposes) can help getting a cc is it true?

Well I dont think i am going to apply after all. I am beginning to have some doubts as my age might be an issue to them (didnt think about that previously). I am in my mid 20'.

yup, minimum age 21 for most banks if not all

My credit card was fraud during the month of May. When through a lot of hassle as most of my time I am not in Malaysia. As once the credit card acc is freeze and close, u can no longer see it in the online banking and thus it's hard to fill the dispute forms. Don't know what's wrong with the fax system as after 3 days of calling for the fax baru lah nampak bayang... hahahaha....
finally manage to settle the dispute and took my new card last month during my trip back to bolehland.....

**take note** ppl traveling to Sri Lanka, pls becareful of your credit card, as i am not sure how on earth my card got fraud!! I had only used it in 2 mainstream hotels and 2 international airline offices for the entired 3 months stay(also one transaction at Maldives)...
as most of my colleagues encounter this credit fraud in Sri Lanka...