I guess you are the first one here receiving the cards.

I applied for the cards through telephone on 21-1-11, without submitting any document. I called MBB CS hotline just now, and was informed there was no application status. I don't see any new cards in my M2U yet. I guess my application has lost in space already.

This Maybankard 2 Amex is better than OCBC Titanium MC. However, the only setback is that Amex is not widely accepted locally and worldwide.

If my memory serves me correctly, I saw people paying their TM and water bills at Kedai Tenaga.

With your current salary you are qualified for Maybankard 2 Amex Gold. If I were you, I'll apply for Maybankard 2 Amex immediately without any hesitation. The sooner you get the card the more you save. What's the point of having 5x points from Amex Gold cc since you can get an additional 5% cash back from Maybankard 2 Amex during weekends? Believe me, the RM50 service tax that you have already paid for Amex Gold cc will easily be covered back from the rapid saving from Maybankard 2 Amex.

Since you haven't taken a pay cut, why don't you apply for the card now?

Even though your salary with your new job few months later will be less than RM30,000 per annum, you are already an existing Amex Gold cc holder and you have a high chance to get it approved.

It GENERALLY depends on 2 factors, your current salary OR current CL. Bear in mind that SCB Preferred WMC does not guarantee a high CL.

Before getting SCB Preferred WMC, I have already possessed SCB JustOne Titanium MC. After obtaining SCB Preferred WMC, my CL was not increased and both my SCB cards share the CL.


I have also received the additional 3% rebate for online bill payment. And, it looks like OCBC gave me more than 3% rebate!


Since you have already received the card, why don't you try it first and keep us informed?

Gen-X, I suffer the same fate as you. I applied for Maybankard 2 Amex Platinum and Visa Platinum through telephone last Friday morning, WITHOUT submitting any documents. When I checked with MBB CS just now, my application has just been approved. To my surprise, they give me Gold cards instead!

I guess it could be due to my current record with MBB, as currently the only cc product from MBB that I own is Amex Gold cc. However, during my application through telephone, I have highlighted I only wanted Platinum cards. And just now, the CS officer told me that they could not change the cards to Platinum now. It looks like I have to ask them to cancel my application immediately. What the hell!

The current CL of my Amex Gold cc is considered quite high too. Anyway, let's see what will happen as I mentioned to them clearly I only wanted Platinum and would cancel the application otherwise.

21-1: Application through phone without submitting any documents
27-1: Called MBB CS but was information my application was not in the system
28-1: Called MBB CS and was informed my application has been approved, but they were Gold cards instead. I asked them to change both cards to Platinum
Today 29-1: Called MBB CS again. This time I was told my application was in process. No cards have been approved yet.

I guess they have removed the Gold cards in their system and they are now reprocessing my application.

In Malaysia, other than Klang Valley, acceptance of Amex acceptance is very poor. Only hypermarkets, petrol stations and big hotels as well as very few restaurants accept Amex.

Based on the latest rebate I received, it was actually 6% rebate and not 5% (3% + 2%) rebate as promised!

If you don't meet either one of the requirements for Platinum card, i.e, income or CL, you GENERALLY won't be able to be granted a Platinum card.

For Alliance Bank, besides Alliance Platinum credit card and Alliance Platinum debit card, Alliance Premium debit cardholders are also allowed to enter Plaza Premium Lounge.

Gen-X, Amex Platinum charge card and Amex Platinum credit card give unlimited free entries to Plaza Premium Lounges at KLIA, LCCT and Senai.

Instead of listing all merchants accepting Amex, you should tell us which merchants you think supposedly accept Amex but decline your card. Al-Ikhsan in big shopping complexes in the Klang Valley selling branded sports products is one of them.


It is Amex Gold charge card, not Amex Gold credit card.

We were talking about complimentary FREE access to airport lounges with no strings attached. If you refer to complimentary entries with conditions (like air tickets must be booked via the respective cards with specific amount), there are many more offering this such as OCBC Titanium.

You may need to get your credit report at BNM and see the status of your credit exposure. Banks normally assess your repayment ability based on some criteria.

I was a bit worried after reading your post. Just now I called MBB CS immediately. The officer informed me that my application is still "in process". I guess my application is hanging. If I do not receive any response after the fourth day of CNY, I would apply through fax then.

The problem is that, if you accept Maybankard 2 Gold now and request for an upgrade to Platinum later, you would probably be charged the RM50 service tax twice.

I can confirm that Amex Platinum main cardholders (both charge card and credit card) as well as supplementary cardholders are allowed to enter KLIA and Senai Plaza Premium Lounges free of charge. I saw the images of these two cards at the entrance of both KLIA and Senai airport lounges.

Although I have never been to LCCT Plaza Premium Lounge, the officers at KLIA Plaza Premium Lounge also told me that main cardholders and supplementary cardholders of Amex Platinum charge card and credit card are granted free access to LCCT Plaza Premium Lounge.

Somebody here mentioned that HLB Essential's cash back is no longer based on spending block of every RM100, and the cash back has no tier at all. Unlike other cash back cards, petrol expenses are not entitled to cash back under HLB Essential's cash back system.


With the introduction of OCBC Titanium MC and Maybankard 2 Amex, Citibank Cash Back Platinum is considered worthless.

Cash back rate of 1% is not attractive nowadays. You may refer to page 1 of this thread for card recommendation and its income requirement.

My recommendation for you is that you should get Maybankard 2 Amex Gold and use it as your primary card, if you earn RM30,000 per annum. You can then use your HLB Essential as a backup if Amex is not accepted by the merchant.

You need to be fully aware of how Alliance Younique's cash back system works. It is based on tiered system. The maximum cash back per month is RM68.25 or 1.365% only. If you spend only a few hundred per month, the cash back you get is peanut.