what is the point of you spamming, just add to previous post please.

We need to update the first page. The info on the Best Gold Card was posted before the launch of Maybankard 2 Cards.

The Maybankard 2 American Express Gold Credit Card which comes with the Maybank logo is now better than the older American Express Gold Credit Card without the Maybank logo. The MBB 2 Amex gives 5X Treat Points for every transaction and on weekends additional 5% cash back as compared to American Express Gold Credit Card where you get 5X Membership Rewards Points (different from Treats Points) for Groceries, Bookshops, telco bills and petrol and other transactions 2X.

click below to read about the Maybankard 2 Cards:
http://creditcardsmalaysia.blogspot.com/20...an-express.html

click below to read about the Aerican Express Gold Credit Card:
http://creditcardsmalaysia.blogspot.com/20...redit-card.html

As erry mentioned, minimum income RM30K/year for AMEX Gold.

this is good news. So we have now two insurance company. AIA (to be confirmed) and Etiqa


HLB Essential is basically a cash back card that gives you 1% cash back and if not mistaken it does not give you anything for Petrol.

Citibank Clear Card - if you drink coffee with partner at Coffee Bean and go movies at GSC and cathay then this card is good. But then again Petrol you get nothing. Some outlets do give discount with Citibank CC.

UOB One Card, check back few posts back, I did give link for where this card gives you Smart $ including Petrol at BHP.

If depends on your life style and where you spend your money. Get one card first and later after you have credit history records, easy to apply for other cards.

This post has been edited by Gen-X: Jan 31 2011, 07:17 PM

winner: I just check with Amex CS and my application still Gold Card, last week taken out from system, now back in But come to think of it, I will accept the Gold Card if they give it to me and then apply for Platinum Card again (this time fax in or thru branch) and get both cards like I did last time I hold both MBB Petronas Gold and Plat.


yah, go apply since you got records with MBB. Maybe your application will even be approved earlier than mine which is still hanging for whatever reasons.

Miles: congrats on your new cards. SCB VI not in your wish list

hye has explained a CS duty i.e. to forward your request to the relevant person for further actions.

EON kind of slow compared to other banks, the last time I applied EON Visa Signature, took about 3 weeks or more to actually get the card in my hand and that is after I email to them complaining about their service. But the odd thing is they never reply my email and I didn't follow up as card approved 2 days after I emailed them. You can read it at my blog and click EON at the Label Column.

As for your case, if you want the card, just activate it on condition they waive the late payment charges (if any). If they don't want to waive then complain, cancel the card and email them justifying why they should not charge you anything. And why must you wait till tomorrow to call them? Call CS now and get clarification.


OCBC processing is pretty fast and CS helpful. The last time I applied was during Raya not mistaken, Pos Malaysia was damn slow, Anyway, good to know that more people reporting OCBC approving application then most reporting application rejected.

To clarify, OCBC Titanium good for up to cash back RM50 only, after that it is useless.


above is just an opinion, get a card that give you best return based on spending pattern. Not necessary Gold Card, the UOB One Card is also pretty good with Smart $ or as erry mentioned AMBank. Or just go apply one that gives you waiver for GST if you want to out and after 1 year, easier to apply for other cards. But must warn you, make sure you confirm terms and conditions for the RM50 waiver like first 500 applicants or swipe X times within the 1st month.

This post has been edited by Gen-X: Feb 1 2011, 08:29 PM

In addition to what winner mentioned, you can consider Alliance Bank Platinum CC where you will get RM68+ for first RM5000 plus points. After RM5K, go with cards that give you 1% cash back like HLB Essential.

and you can consider Alliance Bank Premier Debit Card, gives you 2% cash back capped at RM180 i.e. up to RM9000.

So with Alliance by spending RM14K with Alliance CC and Debit Cards, total cash back RM248+ per month.

EON Bank CS are friendly but not helpful, this I would say from my personal experience except for one guy called Brian (if I recall his name correctly).
As zenquix mentioned, Alliance same, after 9pm or so they can do nuts eventho they mentioned 24/7 for Plat cards.

Happy Chinese New Year! Gong Xi Fa Chai.

someone else mentioned he managed to register for the 15% discount. Make sure you register.

I guess you did not read my blog on Maybankard 2 Cards where I did mentioned that Harvey Norman do accept AMEX and even did a comparison between American Express versus OCBC Titanium.

Click here to read about Maybankard 2 Cards benefits and merchants that do accept American Express.

it is approximately 2.5% for 5X TP based on voucher, 5% cash rebate capped at RM50 and ESSO Smiles Points 1.5%, read my post in my blog, it is stated there.

Not you lah, PPZ, asking questions I did mentioned in my blog. I know PPZ is new to AMEX but if he had read my post on Maybankard 2 Cards, he would have save his time wondering and get immediate answers.

haha, if not for the RM50 GST you wouldn't mind having too many credit cards (like me). Me on the other hand, never cross my mind to get the AMEX Plat CC because the AMEX's AMEX Gold CC gives me more in return than the Plat and turned down the offer to upgrade Plat CC twice. But then AMEX's AMEX Plat also started offering 5X MR for groceries, before I could even consider it, Maybankard 2 Cards was launched. This Dua didn't even need to consider, just apply but application still hanging.

As mentioned in previous post, my wife application for Dua was rejected. She has her own Alliance MC Plat (her 1st CC, got in Oct last year) with CL > RM15K and income > RM60K. I must go check her CCRIS. Maybe MBB don't want issue her card because I have 4 cards with MBB presently and supp her 2 cards already where she share my CL which is higher than her income.

Very important to remember - for most Visa and MasterCard, you get nothing, zip, zero nil for pumping petrol unless it is co-brand or it is stated x% in the terms and conditions of the card. It has been years already that CC don't get points except for AMEX's American Express. Not to sure on MBB or HLB American Express.

This post has been edited by Gen-X: Feb 3 2011, 10:05 PM

well, since you don't believe and you giving advise to others, why don't you go and pump at ESSO with your MBB CC and then find it out for yourself and report back here

the fact is few years back it was announched in the media that CC no longer get points at petrol stations. Since then no Visa and MC (non co-brand) get any points.

This post has been edited by Gen-X: Feb 4 2011, 08:50 AM

well looks like you got to wait, haha but then again you still get 5X TP. With 2 ipads, you get more than 15000 TP, more than enough to offset GST already.

By the way, heard of MiFi, if not read my post on iTouch iPhone iPad below:

http://ringgitwisefool.blogspot.com/2011/0...phone-ipad.html

well it is good that more people give comments so that others can see from many angels as each of us have different opinions. I myself sometimes post wrong info and others will correct it. The person reading comments should always double confirm and not take what is written here as 100% correct.

as for erry, he does give info that is good but may be outdated and that may mislead others, for the case of smiles points where he mentioned his petrol station gave extra promotional points months ago and people like PPZ and jack2 got the impression that they get 2.5% with Smiles Points. But can't blame erry when people don't pay attention to what is written.

This post has been edited by Gen-X: Feb 4 2011, 10:48 AM

don't pump too much because I am sure you won't get anything with MBB visa Have a save trip.

I got my MBB Petronas Visa last year( about 5 months) back and was charged GST already, then got the MBB Mastercard 2 months back, this month GST is in the Statement.


Got a booklet from UOB for their Preferred Platinum Cards where they have offer at the following merchants:

Valiram group outlets get 5% SMART$ Cash except for their Rolex outlet. Coach do get 5% Smart$ Cash with UOB Prefererd Platinum.

BHP 1% for the first RM70 per transaction up to maximum RM400 per month.
Firefly 2% but only applicable at Firefly Airport Ticketing offices only.
Sushi King 10% for transaction RM50 and above.
San Francisco Coffee Co 10%
GODIVA 5%
Charles & Keith 5%
Pedra 5%
Watatime 1% but not applicable to Rolex watches (click the link above to my other blog to find out why).
Golden Screen Cinema 5%
Harvey Norman 2%
SenQ 1%

Please note I got no idea if above applies to UOB ONE Card as the booklet I got is for UOB Preferred Plat cards.

UOB Platinum card members getting 2% SMART$ Cash at Harvey Norman is not too bad but the Maybankard 2 Amex gives better returns with 5X points. To read more about my article on UOB Preferred Platinum offer click link below to my blog, but there is nothing useful to read other than what is already mentioned above unless you are buying Coach hand bags.

http://creditcardsmalaysia.blogspot.com/20...e-with-uob.html

For buying Rolex watches, must get the Maybankard 2 Amex as I can't think of any other creditr card giving better returns for purchasing Rolex in Malaysia. If buy in Singapore then maybe have to consider the conversion rate as Amex admin high at 2.5%. Click below to read about my post on Rolex and other info, once again article full on me blah blah blah

http://ringgitwisefool.blogspot.com/2011/0...-rolex-no8.html

ronnie, next time if can use two diffrent cards so we can see the difference.

I still waiting for my next statements to comapre Alliance MC vs DA MC vs MBB Petronas and MBB MC for transactions in SG next month.

I just got a call from someone at 0327225678 claiming they from EON Bank call Centre offering me Financial Plan where it provides protection up to RM450,000, blah blah blah.

First thing caught my attention was she mentioning that this offer is for new EON Platinum Card members, those who read my blog will know what card I have with EON Bank. So I listen to what she has to offer as I know she not from EON Bank. She kept stressing it was a Financial Plan and told her I not interested but she asked me further what was my concern and that got me pissed off. Asked her again, where she calling from and she said EON Bank approved Call Centre, so I taruk her and told her not to BS and finally she said Chartis. Taruk her again and ask her name of plan stated in policy she offering and she said Protection Plan so correctted her to say that she is not offering Financial Plan and should be truthful upfront and mentioned Insurance Plan from Chartis.

Chartis seems to be calling me often offering this and that plan. Problem with Insurance Plan with a specific credit card is that you cannot, i repeat cannot transfer policy premium payment to another credit card and this may be a problem if you want the cancel the credit card later.

Well I have M2U online for my Amex Amex Gold CC and cannot view my MBB Petronas and MC account. I did call up CS once and was told need to go to branch and ask them to link it. Have not done so yet.

that is indeed very good rate.

I think that number is legit.

Well I got a call from that same number yesterday claiming from Maybank where a girl was following up on my online registration for Maybankard 2 Cards which I did more than 3 weeks ago. Told her I applied already and she she ok.But the odd thing is she said I register via Facebook which I don't have.

Not only that, I got a call from that same number on 5th Feb 2011 which was a Saturday to confirm that I sent in application via fax.

So if you want the MBB 2 cards, then ask him/her to sent you the cards

Maybankard 2 Cards Gold American Express also get 5X TP and 5% cash back on wekends.

To read more on MBB 2 cards, click here.

This post has been edited by Gen-X: Feb 8 2011, 04:02 PM

well, I wouldn't say all, mine still hanging eventho apply for it 3 weeks already over the phone Better still, got call from MBB staff yesterday to follow up on my registration 3 weeks ago online for them to call me.