Long ago DA upgrade my Gold to Plat but I too had to submit documents to proof my income when I wanted to upgrade to WMC (that time no such thing as got HSBC RM40K CL get auto WMC else I just give HSBC statement).

well I did mentioned it in Mid January when I reviewed MBB Dua and mentioned the probability of error happening is less when we submit forms since we got to tick which card we want. Call CS and request they withdraw the application AND go download the form and fax to them.

Many have reported that they got they MBB Dua by simply clicking "I am Interested" online or just by enquiring about it thru the CS. If you do not want the card, then call CS now and tell them.

Actually, when we apply for a card thru the phone, the conversation is supposed to be recorded, at least that should be the case when we apply through MBB tele-marketing at Bukit Jelutong.

MBB press release said they targeting 500K new cardmembers. I believe MBB will eventually have 500,000 new Maybankard 2 cardmembers by year end but by mid next year their actual card base will only increase by 100,000 cardmembers compared to today as the remaining 400K Maybankard 2 card holders will cancel their MBB Petronas Plat/Gold, MBB Visa/MC Plat/Gold, MBB Sony, Amex Gold CC, Amex Gold Charged Card, Amex Platinum and etc etc. They should have made it a requirement that in order to have the Maybankard 2 Cards, one have to hold a MBB card, then guaranteed they will get 500K new card holders. Why the banks don't want nobody asked my opinion? hahaha

Click here to read my post on MBB wanting 500,000 new cardmembers with Maybankard 2 cards. Added my above comments to my post in my blog

This post has been edited by Gen-X: Mar 1 2011, 09:41 PM

Like that also can ar. Call CS if you really don't want the Visa. For day to day use, no diff between Visa and MC in general, very seldom we come across in Malaysia where the merchant only accept MC unless the merchant have MBF terminal.

Clcik here to my post on credit card CS contact numbers. If you don't want refer to my blog, call Amex Toll Free at 1800-88-9559 24 hours.

This post has been edited by Gen-X: Mar 1 2011, 09:47 PM

Hahaha, see many people interested to enter Premier Toilets at Gardens. All lazy take escalator to go upper floor. I was there last weekend, someone actually paid RM5 to enter the Premier Toilet to shit as I overheard him saying upper floor toilets occupied!
As long as you can show a credit card with the word Platinum you can go in for free. You can also enter with Isetan and Robinson card.

I replied your post earlier, didn't I or were you asking about MBB 2?

You are right, we should have template like in Phone Section and Garage Sale. From there we can recommend/suggest based on one's requirements.

I have my AMEX Gold CC registered with M2U but I cannot see my other cards. If I not lazy, I will go to MBB and try register again all my other MBB cards and see what happens.

This post has been edited by Gen-X: Mar 2 2011, 09:35 AM

yuunasue: you sure it is FedEx and not Poslaju? Where was the card sent to (location)?


just wanna confirm, petrol got 1% cash back with HLB Essential?


wshoh, thanks for sharing. I too have M2U for my Amex Gold CC and no SACA with MBB. So if I want to link my other MBB cards, I have to physically go to a branch that have personnel that knows how to link them or it is very easy were any idjit can do it?

Initially in the morning plan to go MBB branch but ended up writing a new post (where I can go on and on and on on something that is very simple, haha) on My Wife's Application for Maybankard 2 Cards. She received 2 pairs of MBB Dua today! I did mentioned about her application in my earlier post in respect of my My Application for MBB Dua where her application was "rejected". Will post it tomorrow after I fine tune as much as I can tonight on my grammar and typos

Click here to read about My Application For Maybankard 2 Cards.

Just as I guessed not in Malaysia. That explains it because there's no Poslaju in SG. Maybe next time you should mention it earlier. There is no diff between Petronas Ranking and MBB Dua as both "same" i.e. FREE. I have mentioned which card grants you entry to Private Banking Centres. Go check MBB website and you can confirm it yourself.

Why don't you call DiGi it is Toll Free. Or go chat with them. And then report back here

Thanks but I guess I'll definitely won't be going to the branch you mentioned just to register for MBB online. But you gave me an idea, if the staff don't know how to do it, I will ask them to call their Jalan Duta branch. I must go search their phone number. You can remember the officer's name?

This post has been edited by Gen-X: Mar 2 2011, 05:58 PM

that's what I thought too, Essential no cash back for petrol.
And I agree with you HLB Customer Service is good. Only once I called up after midninght and the not so helpful CS said only can report lost card, so I hang up and called back and another person answered and she could assist me. Anyway, I did post at my blog an article listing Customer Service Numbers for Credit Cards.

Click here to read my post CC CS Contact numbers.

Thank you Sir for the contact number.

Me too

This post has been edited by Gen-X: Mar 2 2011, 08:18 PM

I just updated my previous article on Citibank Platinum Cash Back Card where I added a brief comparison to the Maybankard 2 American Express credit card.

Click here to read my brief write up on Citibank Cash Back Platinum versus Maybankard 2 Cards American Express.

Actually last week I went to MBB to get my MBB cards link to M2U but had to wait so did not do it. Today went to a different branch as wanted to change autodebit for my wife's celcom acct and there was a MBB branch there. Walked in and was greeted by a young friendly exec and I told him I want to link my MBB cards. He has never done it before for people without SACA but he say will try. When he went into the system he could detect the system showed I had 2 accounts where my all my Platinum cards and my Amex gold Charge Card were linked to my Old IC AC and my Amex Gold CC linked to my new IC. So I told him to link all my Plat cards (Petronas, MC, M2Amex and M2Visa) to one new account since I am going to cancel the Gold Amex CC.

Well, this young chap managed to link all four of my Plats on the first try, After he said he done it, I went to ATM to register for M2U with my MBB Plat MC. After this, went back to the guy and he printed out my records to show me all four cards linked to M2U. After this I went online with the branch's PC and registered "first time login" and when I click Account Info - all four cards were shown


So, as what wshoh said, MBB can link all your cards to M2U even without you having SACA. I guess the young guy that serviced me was more computer savvy

My wife decided to get a MBB Debit Card for her online shopping so she opened a SA with RM250 and linked her MBB Dua card to her account.

This post has been edited by Gen-X: Mar 3 2011, 11:42 AM

I also did not need to mentioned "my friend" did, it, the Exec was jsut very helpful.

As for CL, you haven't got OCBC and PBB card yet, wait till you get them and you tell me if they offer lower CL than MBB haha


For those who have read my post regarding My Application for Maybankard 2 Cards, I just posted the sequel to my earlier post at my blog. Boy, with her cards and mine, I am contributing income to the government by paying a lot of GST when I don't even got a job Any banks need an adviser for their CC Dept, please contact me

Click here to read My Wife's Application for Maybankard 2 Cards.

you wouldn't have any problems getting other CC since your card is more than 18 months. No documents are required. Just go to the malls where there are tons of agents willing to accept your application. Even if you go to the bank, with your MyKad and current CC they will accept your application.

Click here to read my article titled CC Annual Income and Credit Limit where I have a table showing which cards having FOC annual fees.

The CL range is based on your financial standing and your CCRIS report.

Did you read my post in my blog regarding my wife's MBB Dua application where I did mention here CL range ( not in RM but reference to Rolex and diamond, haha) Click here to read more about it. . Knew someone sure ask about CL so mentioned about it.

Call CS now and said you applied for Platinum Cards.

As for CL, not necessary they will increase your CL when you got a new card approved AND MBB standard where all your MBB cards share same CL.

Besides you not wanting the card you want and also people reporting that they were issued AMEX Gold CC instead of Maybankard 2 Cards.

If you had read my post in my blog, I have informed all that my application was being process for MBB Dua Gold when I wanted Plat. Luckily I followed up on my application.

To those going to apply for credit cards with MBB, my advise is to follow up on your application 3 days after you apply and not more than 7 days to check what is in MBB's system. Call Amex 1800-88-9559 and tell them "I have applied for the MBB Dua, can you please check my application status i.e. is my application being process and if yes when it started and secondly what card is being process. Good to be kiasu.

This post has been edited by Gen-X: Mar 4 2011, 01:13 PM

Why would Amex (not Maybank card) Forex rate be higher than our local banks? Can you enlighten me how Amex's conversion rate works? If not mistaken Amex got their own bank in US but not here.

From my tabulation in 2009, Amex does not necessary charged 2.5%. When I was in US in 2009 at Universal Studios where I used my Amex 3 times, and the rates varied between 1.57% to 2.53% Click below link to my blog to view the transactions.

Click here to see some overseas conversion rates in 2009 for Alliance, HSBC, MBB, AMex and UOB. To note Alliance no more competitive as now they do charge admin fee of 1%

In my opinion - If you are using any other Cards besides Maybank Visa/MasterCard, Maybankard 2 American Express may be even better than non MBB CC with the 5X TP. Once again see above table in the link.

What I want to see is someone posting their overseas transactions on the same day same time using both Maybankard 2 Amex and Maybankard 2 Visa, so that we can confirm once and for all which is better to use after considering the 5X and 1X TP.

Anyway, I just got my MBB statement, and the difference between MBB MasterCard vs Visa in SG was negligible unlike Alliance Visa vs Alliance MasterCard. Will post my transactions in SG with Alliance MC, DAWMC, MBB Visa and MBB MC in my blog once I incorporate it into my earlier post on Overseas Transactions in 2010. Click here to see conversion rate in SG in 2010 using MBB, Alliance, OCBC and CIMB.

This post has been edited by Gen-X: Mar 4 2011, 05:08 PM

Maybe my statement is misleading. I am not talking about admin fee but on the forex rate itself i.e. Amex Forex Rate higher than MBB, SCB, HSBC, UOB, ABB, etc? Or these banks rate is based on Visa/MasterCard Forex Rate (where I suppose they would also charge an admin fee) and then the banks charge a 1% on top of the converted amount by Visa/MC. I really don't know how we are actually being charged when a Bank states that there is an Admin Fee of 1%

After reading above, I make myself confuse, hahaha

tgeoklin- mind to elaborate on how our transactions overseas are converted finally to RM.

I want to join too, can ar

This post has been edited by Gen-X: Mar 4 2011, 05:37 PM

Going back to your earlier comment above. The thing is many here know for a fact that AMEX charges the highest admin fee for overseas transactions BUT with 5X TP, they will definitely use the Maybankard 2 Card for business expenses instead of their Maybankard 2 Visa since they will be reimbursed. Question to ask is are these people willing to use the Maybankard 2 Visa over the Maybankard 2 AMEX to save the company some money? If I am the boss of my company, I will issue a memo to all to use only MBB Visa or MBB MC for overseas transactions, ahahaha. If you read the postings here and in AMEX Thread on overseas transactions, most people spending their own money will use Maybankard 2 Visa over the Maybankard 2 Amex.

For me, the best card to use overseas are my MBB Platinum MC where I get the lowest conversion rate and 2X TP or my EON Bank Visa Signature giving me also 2X points plus 1% cash back

If comparing Maybankard 2 Amex to to other non MBB cards, yah, above may be true considering the 5X TP.

Your flow chart easier to understand I will now admend it as follow

Day Forex USD/MYR --> Visa/MC x (admin fee) = A --> A x (local bank admin fee)?

Day Forex USD/MYR --> Amex x 2.5% ??


Anyway, I take my word back on the EON Visa Signature, I never had to chance to use my Visa Signature for overseas transactions together with MBB Visa/MC but I just check on a USD transaction did in January as follows:

EON Visa Signature Transaction on 2 Jan 2011 Posting Date 3 Jan 2011

VS USD533 MYR1674.42 Rate = 3.141595

Qanda USD/MYR 3 Jan 2011 rate = 3.04526 Therefore with Eon VS the diff is 3.1634%
BNM USD/MYR 3 Jan 2011 rate = 3.0645 Therefore with Eon VS the diff is 2.5157%

Wah, the EON VS conversion rate very high

I must use the EON Visa Signature with MBB together for overseas transaction next time to see diff but I guess MBB would still be better even if I were to consider EON VS 1% cash back.

This post has been edited by Gen-X: Mar 4 2011, 08:28 PM

Just posted my experience in signing up for M2U for my Maybank platinum credit cards i.e. MC, Petronas and MBB Dua where all 4 cards are linked into a single M2U username without me having a Current or Savings Account with MBB. As for my wife, she opened a Savings Account as she wanted the MBB Debit Card and her cards are linked to her M2U account.

Click here to read my article titled Maybank2U for Maybank Credit Cards - You Don't Need a Savings or Current Account.

You can go to CC V14 starting from post #106 to read more about the Fortune card.

Below is what I commented in CC V14 in respect to HLB Fortune, I just copied it and paste here with some amendments for your easy reference.

1) As mentioned by winner, hye and myself - the HLB reward system is complicated. And based on what I understand, I have shown you that it only gives the most 0.1% extra (can be even 0.001% because it is based on daily interest at 10%p.a.) from your transactions. I would said even Alliance You:nique or Alliance Plat can be better than HLB Fortune.

2) In order to withdraw the cash earned and 10p.a. interest on your cash back, you need to go to the ATM, and you only can withdraw RM10 and RM50 notes from ATM so balance still with HLB and what you earn from them cannot be utilized in full.

3) as far as I am concerned, the Fortune = Essential with promotion.

4) Fortune card do not appeal to those earning RM30K and above. It will attract those who spend minimum RM38K a year and if you are earning like RM40-RM50K pa, I doubt you will benefit much from the annual bonus because if you do then you'll be spending more than you can afford to or you charged all your company expenses to the card.

5) Complicated Bonus - RM280m RM880 and RM1,800. To enjoy maximum returns from the annual bonus, you are going to complicate your life.

bonus RM280 for spending RM38K to RM67,999 - or returns of 0.4118% to 0.736842%
bonus RM880 for spending RM68K to RM107,999 or 08148% to RM1.294118%
bonus RM1,800 for spending 108,000 you will get 1% or less

so actually from the above, the more you spend, most likely you end up getting less % in returns! If you spend RM216,000 a year, then your bonus is equivalent to 0.5%, spend more than that, the % reduces further. So not necessary good for big spenders i.e. more than RM10K/month. If you know exactly how much you going to spend with the Fortune card, say for example insurance premiums > RM38K/yr best if exactly RM68K/yr, then the card may be good.

If above makes you confuse, then it is a good reason not to get the Fortune card, hahaha


Would recommend that you look into OCBC Titanuim MasterCard where you get 5% for petrol, dining, groceries and utility bills and the rest 1%. Click below link to my article on OCBC Titanium MC where I have a table comparing OCBC Titanium to HLB Essential and Citibank Platinum Cash Back.

Click here to read more on OCBC Titanium and see table comparing cash back cards.

This post has been edited by Gen-X: Mar 5 2011, 02:28 PM