can, as long as it is shown in the statement of CC A. Click below link to read more on Balance Transfer at my blog My Credit Cards:

http://creditcardsmalaysia.blogspot.com/20...0-interest.html

or here to goto latest posts

or click http://creditcardsmalaysia.blogspot.com/

hahaha, So true, Got a suggestion to solve your problem - stick a note to your cards.

This post has been edited by Gen-X: Jan 20 2011, 12:35 AM

no matter how many card you have with MBB, the CL for all cards are combiined and not just for the Maybankard 2 cards (where these 2 cards share a single statement).

For exmaple, I got MBB Petronas Visa, MBB Plat Master Card and American Express Gold CC (without MBB log) and all these 3 cards have separate statements and different due date but they share the same combined limit.

AMEX no problems as places you mentioned except for Petronas. If you can wait for a day or two before applying, read my review on Maybankard 2 AMEX whre I'll be publishing soon. Watch for my signature below to check if it is out..

Treat points is different from AMEX's Membership Reward points. i.e. Cards with Maybank Logo gets Treats Points and AMEX Cards without any logo gets Membership Reward Points.

I was at 1U when I read your post above. Got my wife to apply for her Maybankard 2 and got the free bag. Thanks for the info.

Finally, finished my article and review on Maybanard 2 Cards for my blog at http://creditcardsmalaysia.blogspot.com/

Below is the main gist of the entire article and for those not wanting to waste time reading it at my blog:

Benefits of Maybankard 2 Cards which I feel is worth repeating:

I) 2 Credit Cards for a single GST of RM50 or shall we say RM25/each.

II) Free Lifetime Annual Fees - no conditions, no need to swipe minimum times or spend a minimum amount annually.

III) Travel Insurance - this is great as can use the card to purchase tickets and get 5X rewards points and 5% cash rebate (max RM50 but still better than nothing).

IV) 5X Treats Points anywhere in the world plus monthly cap of RM50 cash back for every Saturdays and Sundays. Note that it was mentioned Principal card holder only, better check if Supp cards also enjoy the 5% cash back when you apply for it.

V) The Visa or MasterCard,you can keep in your drawer as it only gives 1X point for every Ringgit. (But if you want 0% installment plans by merchants, then this card may be of use).


Comparison between Maybank 2 American Express Card and OCBC Titanium MasterCard

MBB 2 Amex gets 5X Reward Points Everyday, Anywhere and Anytime vs. OCBC TMC Nothing, Nil, None, Zero;

MBB 2 Amex Free Lifetime Annual Fees vs. OCBC TMC need to swipe 12 times;

MBB 2 Amex GST must pay (but with 5X points only need to spend RM2K to get 10,000 Treats Points to offset GST ) vs. OCBC TMC must pay but auto waived if spend RM10K annually;

MBB 2 Amex 5% cash back on weekends anywhere vs. OCBC TMC 5% cash back anytime but not everywhere;

MBB 2 Amex offers Travel Insurance vs. OCBC none; and last but not least

MBB 2 Amex overseas transactions are subjected to 2.5% Admin Charge but with 5X maybe this is acceptable vs. a lower overseas conversion rate with OCBC TMC (do note again that the RM50 cap which may limit the usefulness of OCBC Titanium MasterCard for overseas spending).

BOTH MBB 2 Amex and OCBC Titanium cash rebate is capped at RM50/month


Please be warned that my entire article is kind of long with lots of other stuff unrelated to Maybankard 2 cards. So if you have the time to spare or just want some leisure reading over the weekend, click below link to go directly to my post on Maybankard 2:

Click here to read my review of Maybankard 2 Cards.

yes, Supp can can also. Last time I use my card to get 1 free and my wife use her supp to get another free.

yes, you are right. It is a good practice to do that when applying for another CC where they want a copy of your existing CC front and back. The back is to verify that the card signature is the same as in the application form.

Installment plan and BT exit penalty is also a strategey by banks to prevent card holders from cancelling thier cards. Alliance BT exit penalty is damn high at 5% of the approved Balance Transfer Amount.

True if you just scan your IC straight off. Good to be kiasu as far as IC is concern, don't want later find out somebody took a loan with your IC.

Nowadays with 3 in 1 printer that print, scan and copy, first make copy of you IC in black and white. You have the option to set the quality of the print. Then crossed the IC with words like Maybank CC Application Only. Same thing with your CC but this time also blank out the CCV. Then only scan and sent the doc via email.

CNY is less than 2 weeks away, so here's an updated list of freebies with your credit cards:


Subang Parade - with minimum spending of RM88 with Alliance card, you will get 1 Red Packet + 1 Lucky Draw Form + Alliance Bank Mug

1U - use your MBB credit cards or American Express for this CNY shopping and you get a festival table runner when you spend minimum RM300 maximum two receipt on the same day. With RM200, you'll also get from 1U a decorative lantern and a pack of Ang Pows. but the 1U Ang Pow Red Packet is not all Red! Updated my post on CNY Shopping with a photo of it. Click link below.

Pavillion and Sunway Pyramid - CIMB giving Yu Yan Sang's hampers from 15 Jan to 15 Feb 2011 spending RM2,000 and above.

KLCC - Free Ang Pow Packets if spend RM150 above. Rabbit Origami Ang Pow Packet with RM300. Spend RM500 and above gets you 6 Chinese Horoscope sauce plates. Citibank members also enjoy special gift redemption for using their cards - Spend above RM2500 get you a La Gourmet flask and with RM10 chance to win a iPhone4.

1 Mont Kiara, Mahkota Parade and QueensBay Mall - Maybank card holders get a free bowl with a spoon and a pair of chopstick for spending above RM200 and if you spent more than RM2,388 with MBB card, you'll get a can of abalone and a can of pacific clams. Ad in The Star today.

Ikano - Hong Leong Bank mystery gift daily to the first 50 card members for spending above RM150 and free shopping bag to the first 150 card members spending RM350 above
. Ad in The Star on 21 Jan 2011.

Midvalley - HSBC cardholders that spend minimum RM138 and RM388 at specialty stores (that means exclude departmental stores I suppose which s always the case at MidValley) you'll get a pack of Ang Pows and Chinese calendar respectively. MasterCard holders stand a chance to win RM888 shopping spree daily from your favorite specialty store when you spend a minimum of RM188 in a single receipt with your MasterCard card at any specialty store from 13 January to 6 February 2011. Original charge slip must be attached to the contest entry form and to be submitted to the MasterCard booth at South Court, Ground Floor.

Click link below: updated info at the bottom of post.

http://creditcardsmalaysia.blogspot.com/20...hopping-at.html

This post has been edited by Gen-X: Jan 23 2011, 12:02 PM

usually they'll ask for my mother's maiden name. As hye said, you call them so don't worry and you'll be asked the same things again the next time to call. Usually I'll start off the conversation by giving my card number straight away.

For Direct Access, you are required to create you own security pin up to 10 characters (can be less) and CS will usually ask what the the X character of your pin. Also there are other questions like favourite food or restaurant and memorable street, I think this system is the most secured unlike other banks security check where they just ask general questions like what was mentioned earlier.

Good question, yes American Express cards are accepted at pharmacies like Guardian and Caring, not sure about Watson as I seldom visit it. Got to add this info to my blog on Maybankard 2 Cards. But if you do spend a lot at Caring, better fo with AMEX Pantai card where you get up to 20% discount. Usually I use my Direct Access at Guardian because of the weekend rebates with points but with 5X Treat Points and 5% cash back, American Express Maybankard 2 is better.

To read more on the latest Maybankard 2 Cards and to see a comparison between Maybankard 2 cards vs OCBC Titanium MasterCard please click on link below to my blog:

http://creditcardsmalaysia.blogspot.com/20...an-express.html


This post has been edited by Gen-X: Jan 23 2011, 09:33 AM

For petrol yes - 5% cash back and Amex does give points for petrol unlike Visa and MasterCard.

As for KFC with RM4.5, we CIMB and Direct Access card holders use it at KFC because as we get discount and or rebate by using the card issued by CIMB only. Yah, it'll be odd if you swipe using a CC for RM4.50 but some of us including myself wouldn't care less of what other thinks because if we pay by cash we don't get the discount and or cash rebate.

As for the OCBC MC Titanium, it does not mean that you should go swipe RM1K with it to benefit from it. It should be the other way round, spend RM1K or less with the OCBC the get most out of it. This statement of RM1K only applies if you use the OCBC MC Titanium for groceries, petrol, dining and utility bill payment where you get 5% cash rebate. Because OCBC Titanium cash rebate is limited to maximum RM50 per month, you won't gain anymore rebate once the RM50 is reached.

For example:

Your petrol monthly RM600, so your cash back RM600 x 0.05 = RM30
Dining and go RedBox (ronnie confirmed got 5%) monthly RM200, so your cash back RM200 x 0.05 = RM10
Phone Bills RM80 per month, so you cash back RM80 x 0.05 = RM4
Groceries RM300/month, so your cash back RM300 x 0.05 = RM15

From above, you spent a total of RM1,180 and with 5% cash rebate you should get RM59 BUT since OCBC Titanium cash back is capped at RM50/month, you wont get more than this.

Hope the example above is of help.

read it at my blog, click below to read more on Maybankard 2 Cards:

http://creditcardsmalaysia.blogspot.com/20...an-express.html

As long as CIMB and Direct Access is offering 0% BT plans I would not consider any other BT plans simply because CIMB is efficient and fast in processing BT application and making payment. Best of all they will create a separate account which makes it easier to monitor outstanding balance for BT and not have to worry about payment hierarchy.

not difficult if you can meet the requirements to qualify for the card. Maybe those you saw are supps

This post has been edited by Gen-X: Jan 25 2011, 03:14 PM

their website perhaps? And there is this thing call google

but since I so free, here you go

http://www.directaccess.com.my/index.php?t..._promotion_list

This post has been edited by Gen-X: Jan 25 2011, 03:17 PM

1. Direct Access unit was previously set up by Southern Bank where they offered free annual fees for CC and other banking facilities over the phone. Was very successful as it was FREE. Main target were graduates and subsequently targetted professionals. When Southern Bank was forced to merged with CIMB (I still pissed off over this, wonder how much my Southern Bank shares would be worth today if it was not forced to merge ), CIMB retained the name and products.

2. If you ask me, better to go with CIMB card as not many people knows that Direct Access is part of CIMB. Only last week end went to Burger King and had to show them the back of my Direct Access where there is CIMB written on it to get 10% discount.

3. Watson no rebates. Petrol since this year no rebates. Burger King 10% discount everyday and Sunday extra 10% rebate. KFC 10% rebate on Sundays only. Every Sunday Guardian, Cold Storage, Giant and Tesco 5% rebate. No other rebates other than these. These rebate are promotion and offer will end on 30 June 2011 unless it is extended.

4. CIMB and Direct Access got 0% Balance Transfer Plan and also 0% Installment Plans for Education, Hospital and Insurance. However, these plans are also not permanent and for limited time only.

5. Without offers or promotions, CIMB standard non co-brand cards are as good as useless with 1X reward points only. hahaha

So if you want rebate card, go for OCBC Titanium or Maybankard 2 Cards.

Click here to read about Maybankard 2 Cards. Minimum income RM30K

Click here to read about OCBC Titanium Cards. Minimum income RM36K..

This post has been edited by Gen-X: Jan 25 2011, 04:10 PM

It may be easier to apply thru the phone if you are a current MBB card holder. But for 1st time card application, better fill in the form and fax over to avoid errors which may haunt you later on. By filling up the form yourself, the possibility of an error is less. If you read the AMEX thread, I did mentioned that luckily I followed up with my application which was done over the phone where a problem did materialize.

Nowadays it is standard for the industry that when applying for a credit card, one no longer needs to give any documenttion to proof income if you have another credit card that is more than a year old.

For my case, as a current MBB card holder, I apply over the phone without needing to fax over any documentation. i.e. no need IC and cards too.