For ~RM250 per month, you get about RM30 rebate using esso per year. You decide if this is worth it or not. Could be useful for emergency cases if this gonna be your first card. You will only know the balance if you check from ATM or online.

You read up there, she already say no to CC, focusing on debit card now.

This post has been edited by Human Nature: Aug 23 2012, 06:22 PM

i know, i'm trying to convince her to get one

Haha, better dont la. We dont want people to get carried away with CC and get into problems.

nowadays CC is diff, or perhaps the user of CC is more clever now...

we use CC to get more benefits instead of letting them charge us...

i saw ur name quite frequent in this side of the forum, i'm sure u know

Ya but dont forget that CC debt is very high among malaysians too. Thats why Gov imposed GST

With GST introduction, I increased my credit card count from 2 to 10 now... How does the GST help reduce number of credit cards issued ???

GST created a new cash-back card segment and makes Ah Jib kor richer only.

and blame us for not smart in spending

Agree.... Before GST. I have 2 CC. Now i have 3 CC. GST make Ah Jib kor more money to spend only.

well, i believe most of us here in this section is spending smart...

increase in number of credit cards being own is not synonymous with not smart in spending

btw, we are more and more

I redeemed 3000 Smiles points for RM 45.

Now i'm using Petronas Mesra card..wish to know that other petrol station cards will offer better and worthy redemption or not..

Initially, want to try out UOB One card but then 60 swipes per year to waive the annual fee make me hesitate..=/

maybank amex gives 5% rebate capped RM50 per month on weekends + 5x points everydat, not widely accepted in petronas.
ocbc ti mc gives 5% rebate capped RM50 per month.

Yeah, but doesn't meet the annual income req. =(

Maybankard 2 American Express, weekdays also get 5X Treats Points points ? I thought only 1 TP ?

weekdays I usually use pb-esso cc at esso ... only weekend i pump at esso with amex exp

5x everyday for Mbb2 Amex

Err... 1% of RM30 is 30 cents

Wow this is good thread,

I have question, recently I get my
Maybankard 2 Visa Gold
Maybankard 2 Amex Gold

As the TS mention,

Maybankard 2 Amex - 5XTP equivalent to approximately 2.5% returns plus extra 5% cash back on weekends . No cap for TP but cash back capped at RM50/month including petrol.

With Maybankard 2 American Express, I will get 5X Treats Points points everyday at all Petrol Stations but Petronas generally don't accept Amex. The 5X TP is equivalent to about 2.5% cash back in terms of voucher.

Seems like Maybankard 2 Amex Gold is better in rewarding its customer.
Just to double confirm few things,

1. The cash back of 5% deduct through the statement?
2. I always pump at SHELL, can I still use Bonus Link + Maybankard 2 Amex Gold together to get extra points? Which card should I put first?

Thx in advance ......

For question no 2 yes you can use both to gain the benefit at the same time. U need to put in Bonuslink card first, if i am not mistaken.

Yes to both questions.
Cashback will be reflected in your statement on the 1st or 2nd of the month.
Bonuslink first.

TY very much both of you !