To add link to V12 & V13. Wonder if anyone ever go to those previous threads.

yah, do that.

Also Miles, last few post in the previous version it was mentioned that Alliance and UOB no longer providing Insurance for Travel i.e. no benefit in charging your air tickets with these card. Also AMEX Gold CC no Insurance for Travel. It was suggested that this info be on the first post and I second it.

there are so many card out there with different offer. I was thinking of doing something like summarizing travel insurance for my blog but yet to go about it as need a lot of research. Will post once I do find the energy to do it.

Just to update all:

CIMB cardholders shopping at Pavillion and Sunway Pyramid - CIMB giving Yu Yan Sang's hampers from 15 Jan to 15 Feb 2011 spending RM2,000 and above. Similar to Christmas offer, more you spend the bigger the hamper. Do note one hamper per day only.

KLCC - 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 iPhone 4. Go check out Citibank booth before you start shopping for more info.

You need to have al least RM18K annual income (or RM1.5K/month)to qualify. And you need to be 21 years old.

Having said the above, if you are 21 years and above, and don't have steady income. you can deposit money into fixed deposit and pledge it for credit limit. And if you have RM200K better still, you can open a privilige banking account and they will issue you a credit card. Go talk to your bank.

my recommendation is worry about credit card after you finish school.

OT: if the iphone is vital for your work, then the company should issue a unit to you. my recommendation for your case is get a second hand 2G or 3G unit which is cheaper than 3GS and should be good enough for your work and you don't need a credit card to sign up for DiGi iphone Plan (no phone just call/data plan or prepaid).

This post has been edited by Gen-X: Jan 17 2011, 08:06 AM

Information for UOB Card members - lunch and dinner set for 2 at RM88++ and RM168++ respectively at Westin, Parkroyal, Nikko and Pavillion.

Click here to see UOB Dinning Offer in pdf format.

I took up the offer at Prego Westin Hotel KL last Friday. The UOB dinner set comes with beef for main course and I don't take beef. So if interested to go take up the offer, do call the restuarant to check what's on the menu. Click below to read about my dinner


http://creditcardsmalaysia.blogspot.com/20...hotel-kl-i.html

This post has been edited by Gen-X: Jan 17 2011, 08:30 AM

This Maybank 2 cards is good especially the AMEX, even better than AMEX Gold CC. In is stated that 1 sign up, 1 statement and 1 Service TAX. 5X Treat points for anything is excellent but how about overseas coversion rate for the AMEX card i.e. 2.5%? It comes with Travel Insurance so it is good for air ticket pruchase as we get 5X points with any airlines.

However since it is Treat Points does not it mean we can't redeem like AMEX's 200MR points for RM1?

This post has been edited by Gen-X: Jan 18 2011, 08:24 AM

yah, no point getting the AMEX Gold CC with this new benefits - 5X Treatpoints for anything. Actually, no point having other cards (except OCBC Titanium) if merchant accept AMEX. But since not all accept AMEX, that;s why they give you Visa/MC for standby I guess. The single GST is excellent. Great thinking by MBB. With this Maybank 2 cards, next half of the year would make the credit card market more interesting.

Soon, OCBC Titanium and Maybank 2 Amex are the must have cards in your wallet.

This post has been edited by Gen-X: Jan 18 2011, 08:40 AM

No lah, he and his ma chais are reading my blog, haha

I just called Maybank CS and asked two questions only:

1) Can the Maybank 2 Amex redeem points for cash like AMEX? Answer given no for the moment as this card give Treat Points and not Membership Reward Points.

2) Admin charge for oversesas transactions is similar to AMEX at 2.5% or MBB CC? Answer given is that it is subjected to 2.5% admin fees.

This post has been edited by Gen-X: Jan 18 2011, 08:57 AM

What is other CC you have swipe with?

If not CIMB or MBB then apply for either. Alliance BT got 0% for new card holders?

I know Alliance got 0% BT, what I am asking is that is the offer open to new cardholders?

timetravelller: just to inform you, Alliance BT have exit fees of 5% of amount balance approved. Go apply the new Maybankard 2, better than Allaince in terms of reward points and cash back and you can do 12 months 0% BT too.

Yes, Maybankard Dua Visa/MC Plat do not get 2X overseas. Keeping my MBB Plat MC for overseas as Maybankard Dua Amex overseas fee still 2.5% But if on weekends, yah use the AMEX Dua overseas and still end up getting more in return then any other cards.

I called MBB marketing department and apply for the Maybankard 2 over the phone like I did last year for my Plat Mastercard. The only thing is if you want to apply by phone, you must be willing to spend money and follow up with the same marketing girl. I normally follow up with all my card application anyway to make sure the status. Easier to just download the form and fax over. Another thing is if you want to apply for supp card together, then go download the form and fax the form over.

To read about me applying for MBB card over the phone where I posted the number, click link to my blog:
http://creditcardsmalaysia.blogspot.com/20...-signature.html

Going to cancel my MBB Petronas Visa Plat and AMEX Gold CC, will have some work to do as need to go to DiGi and do autodebit to the new Maybankard 2 AMEX from AMEX Gold CC.

This post has been edited by Gen-X: Jan 18 2011, 05:25 PM

you are right on.

Don't know if you guys remember, when the GST was first announced a high ranking officer at MBB said they not waiving it and something like they want "quality" customers. Guess they learned their lesson when many good customer cancel their cards as Malaysians in general always look out for things that is value for money (in other words kedekut). They have started to waive the GST and now 2 cards for price on 1. I guess the 1 statement is a loop hole to go about this ruling.

This post has been edited by Gen-X: Jan 18 2011, 05:14 PM

Aiyah, you already paid for the Ikhwan GST, just get over it. The sooner you get the Maybankard Dua the sooner you will accumulate 5X points for anything and the Ikhwan don't give you cash back where as Maybankard Dua does.

I already applied for the MBB 2 and will cancel my AMEX Gold CC after all my autodebits are successfully transfered to the new card. As my Gold CC annual anniversary is in August, that gives me ample time.


come to think of it, less people with AMEX good for me as chances of getting 15% cash back or winning contest or qualifyinjg for offers higher

yah, to those people saying AMEX not widely accepted stay away from AMEX please and don't join the bandwagon to getting more Treats Points so that MBB fair not so crowded, haha

RHB Platinum Credit Card cardholders can get Samsung Galxy Tab for RM1,999 at SenHeng and senQ. Click below for more info

http://www.rhb.com.my/Whats_New/cards/galaxy_tab/

what can I say, you are smart

that robin flew into this section about a month back, initially thought he was smart where I assume he made a handsome profit from a property, but after his first post, when I read his subsequent posts/questions I would be like huh? Is this guy for real?

This post has been edited by Gen-X: Jan 19 2011, 01:43 PM

Last year got invitation as OCBC cardmember to Rolex shop at Pavilion and someone mentioened wanted to go. Got same invitation again yesterday, this time for UOB card members. If you want to go you need to make reservation. Check out my blog for more info on this event on 26th Jan 2011 7pm to 10pm.

http://creditcardsmalaysia.blogspot.com/20...ny-message.html

that's really good news. Conversion form. Too bad I already applied for the Maybankard Dua. David83, check this out.

upfront = pay first

lets say you want to do RM6K installment plan for 12 months with 1.5% upfront so

Upfront payment = 1.5% x RM6000 = RM90

Installments 12 monhts = RM6000/12mth = RM500/mth

so your coming statement, you will need to pay Upfront fee + 1st month installment = RM90 + RM500 = RM590.

Second month no more interest as you have paid in the first month, therefore payment due is RM500 only.

you very ma fan la, got customer like you headache lah I, hahaha

well, worst come to worst, get the visa now and then get the MC in April, cost you RM25 for GST only. Or maybe can use conversion form and convert from Visa to MC later (I learned something today MBB got such thing as conversion form). Anyway, once you get the answer do let us know.