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 Credit Card v14, Please read the 1st post before posting

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zenquix
post Jan 15 2011, 11:35 PM

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QUOTE(winner @ Jan 15 2011, 11:09 PM)
Besides Amex Gold CC, other popular CCs that DO NOT provide complimentary travel insurance include OCBC Titanium MC, SCB JustOne Titanium MC and SCB Preferred World MC.
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OCBC Tit MC does have travel inconvenience benefit of RM5k. http://www.ocbccards.com.my/titaniumPrivileges.aspx

Alliance Platinum cards no longer have travel insurance. Neither does the Maybank Petronas Visa.
zenquix
post Jan 18 2011, 08:24 AM

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QUOTE(ronnie @ Jan 18 2011, 07:51 AM)
It's good if a lot of Merchant supports AMEX
5% cash rebate on ALL Weekend purchases is better than OCBC Titanium (since both is cap at RM50)
5X TreatPoints is equivalent to ~2.5% rebate (I wonder we can chnage to cash credits like Membership Rewards)
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Yeah. Agree the strong point of the promo is Amex. I find the 2nd card just meh.

Historically treatpoints do not have cash credits, but who knows.

This is actually very strong for those already holding a Maybankard combo.

If it is RM50 GST for 2 cards (Amex is waived according to the product sheet), it is already a savings of RM50.


Added on January 18, 2011, 8:27 am
QUOTE(ahucks @ Jan 18 2011, 08:14 AM)
nice, too bad only available on april... nice reward low interest card  thumbup.gif ....2 card 1 GST i like this concept...
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It's available now. Only Mastercard is in April.

This post has been edited by zenquix: Jan 18 2011, 08:35 AM
zenquix
post Jan 18 2011, 08:34 AM

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QUOTE(bingozero @ Jan 18 2011, 08:27 AM)
I wonder does Amex gold cc is replace by this card soon?
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Frankly Amex Gold CC is weak compared to this new Amex.

I was thinking of changing to Amex Plat but now have new contender. Too bad it doesn't have principal + supplementary lounge access @ KLIA and LCCT
zenquix
post Jan 18 2011, 09:19 AM

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QUOTE(PPZ @ Jan 18 2011, 09:17 AM)
you are applying now for that card? tongue.gif means that they will provide you 2 cc right? one is AMEX and one is mastercard.
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You can try calling to get them to change the application.
Yes 2 cards, 1 Amex and 1 Visa (mastercard not yet available until April) for only the GST of 1 card
zenquix
post Jan 18 2011, 02:22 PM

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QUOTE(alexwsk @ Jan 18 2011, 02:03 PM)
that settles it, i will wait for all 15% cash back b4 switching
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same.. will likely wait till April and get the Amex + Mastercard combo.

But I am still eyeing the Amex Plat CC for lounge access.. arghhhh...

zenquix
post Jan 18 2011, 03:50 PM

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QUOTE(PPZ @ Jan 18 2011, 03:09 PM)
you can get VISA now which the same as Mastercard. brows.gif
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Already have a MBB Visa. Which gives 2x for overseas spending (the only perk Maybankard 2 is missing)
zenquix
post Jan 18 2011, 04:22 PM

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QUOTE(PPZ @ Jan 18 2011, 04:05 PM)
i see. but in this case, maybankard 2 gold is the same compared to Visa and Mastercard.
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Yes so no point I get a Maybankard Visa + Amex since I have a better MBB Visa.
zenquix
post Jan 18 2011, 04:50 PM

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QUOTE(alexwsk @ Jan 18 2011, 04:47 PM)
i'm wondering how are they going to explain to BNM 2 cards for 1 GST hmm.gif
maybe MBB is subsidising 1 GST?
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Yes MBB is subsidizing the GST for the Amex. In product info it is marked as waived.
zenquix
post Jan 20 2011, 12:23 AM

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QUOTE(MilesAndMore @ Jan 20 2011, 12:21 AM)
Since only VISA is offered for Maybankard 2 now, any idea if i can get only the Maybankard 2 AMEX only for the time being and request them to send the MasterCard to me when it becomes available in April ? I do not want anymore VISA because i already have two VISA in my wallet now. I do have one MasterCard but i intend to cancel this card by next year which is why i want the Maybankard 2 MasterCard and not the VISA.
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You could try. But doubt they would do that.

I will apply in April.
zenquix
post Jan 20 2011, 01:45 PM

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QUOTE(chemistry @ Jan 20 2011, 01:43 PM)
Can somebody explain the definition of tuduhan?
Charge card = kad tuduhan ? rclxub.gif
[attachmentid=2005566]
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lol charge = tuduh

someone must have use translate.google.com hahahah
zenquix
post Jan 20 2011, 02:56 PM

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QUOTE(hebe87 @ Jan 20 2011, 02:01 PM)
For principal cards, govt tax is RM50 for both AMEX and Visa/Master..

For supplementary cards, govt tax is charged separately, ie RM25 for AMEX and RM25 for Visa/Master. (according to the T&C file available at M2U)

So anyone knows, for principal cards, I must apply 2. But for supplementary cards, can I apply only 1 card?
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QUOTE(chemistry @ Jan 20 2011, 02:22 PM)
I got answer from CS.
For supplementary card, it is the same way as Principal, ie. 1 GST for 2 supp cards (Amex+Visa/MC)
And no, you cannot apply only 1 supp card, it must come in two.
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Actually hebe87 may be right.

From the terms and conditions
QUOTE
8.2  The annual Service Tax of RM50 for 2 Principal Card and RM25
for each Supplementary Card will be charged to the Card Account
upon Card open and renewal anniversary of Cardmembership
This post has been edited by zenquix: Jan 20 2011, 02:56 PM
zenquix
post Jan 20 2011, 05:45 PM

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QUOTE(winner @ Jan 20 2011, 05:42 PM)
And the funniest thing is that I do not own any CIMB/DA MC. I only have DA VI. But CIMB/DA sent me the promotion flyer which is only for MC. sweat.gif
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Trying to entice you to apply maybe hahhaa
zenquix
post Jan 20 2011, 07:19 PM

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QUOTE(pandazhun @ Jan 20 2011, 07:15 PM)
any 1 know where to find for the list for merchant with OCBC titanium rebate programme?
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There isn't 1. Maybe if LYN has a wiki page, we can all update and make a comprehensive list of merchants not giving the rebate.

This post has been edited by zenquix: Jan 20 2011, 07:21 PM
zenquix
post Jan 20 2011, 07:56 PM

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QUOTE(pandazhun @ Jan 20 2011, 07:39 PM)
thx mate, that's bcoz I have no idea how to check the Code given by OCBC, Just received my card today so wondering how do I check my statement online?
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You need to get your PIN number first. Then you can register for the online account.

The code given by OCBC? If it is the merchant category code you mean, we can't see it. It is assigned to the merchant's machine by the banks (Visa/Mastercard) and is not visible to consumers.
zenquix
post Jan 21 2011, 01:31 AM

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QUOTE(thtan @ Jan 21 2011, 01:30 AM)
I ever asked if I could pay even the downpayment for a house using CC, they said no. Cars dealers as afaik, they don't accept it.
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Usually big developers do. I know Sunway accepts CCard for downpayment
zenquix
post Jan 22 2011, 12:52 AM

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did anyone get clarification on the supplementary cost for the Maybankard2? Still trying to find an good avenue to raise RM25 for each card concern...
zenquix
post Jan 22 2011, 01:50 PM

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QUOTE(chemistry @ Jan 22 2011, 12:29 PM)
One RM25 GST, two supp cards. If you don't want to use Visa/MC, just keep it in drawer.
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There is a dispute on this as the T&C states RM25 per card.
zenquix
post Jan 22 2011, 06:34 PM

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QUOTE(Robin Liew @ Jan 22 2011, 06:32 PM)
WTA, the cc given when taking housing loan like for PBB, after settlement of loan, the card will be cancelled?
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no. settled a car loan but my PBB card still active.
zenquix
post Jan 28 2011, 03:44 PM

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QUOTE(chemistry @ Jan 28 2011, 03:20 PM)
Heard several members here have got approved but yet to receive the cards. Sabar...i'm sure they'll share with us soon.
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first thing that needs to be confirmed is whether supplementary spending count towards the 5% cashback...
zenquix
post Jan 28 2011, 06:57 PM

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QUOTE(locoroco2 @ Jan 28 2011, 05:27 PM)
anyone has any idea of the % of foreign transaction fees for Visa transaction charged by Bank in malaysia? i mean if I charged my card in foreign currency to buy something online...

The Visa currency exchange rate prevail as of any date can be obtained below correct?
http://corporate.visa.com/pd/consumer_serv...er_ex_rates.jsp

Is there any other charges applicable for oversea transaction other than foreign transaction fee?

appreciated ur kind input.
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banks will generally add a additional x% of admin charge to it anyway.

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