this is so far the best proof that MBB is willing to absorb the RM50GST. But if they offer me this for my MBB Petronas or Amex Gold CC, it does not make sense because by spending RM3K with my Maybankard 2 Amex, I would be getting more in return than just RM50 to waive the GST.

You can request for any card you want as long as you meet the card requirements. Best you call CIMB and request for upgrade and see what they say.

Click here to read my article titled Malaysia Credit Card Annual Income Requirement and Credit Limit.

Since you have a good track record, and if you have been holding a credit card for more than 1 year, you can easily apply for any other credit cards without submitting any documents ( thus you can walk into any bank branch or sign up for credit card at the malls). If you want for Petrol, best is OCBC where it cam be used at any petrol station. Click on the link at my signature below - Comparison of Cash Back Credit Card to read more on OCBC and other cards giving rebate on Petrol.

As many said, you don't need a savings account in a particular bank to have their card. Same thing also, you don't need a savings account with a bank to view your transactions online. Click here to read my article Maybank2U for Maybank Credit Cards - You Don't Need a Savings or Current Account.,e think

This post has been edited by Gen-X: Mar 5 2011, 06:58 PM

haha, CL = Credit Limit BT = Balance Transfer

Thank you Human Nature. My Credit Cards blog full of grammar mistakes and typos but I think people into CC don't really cares unlike my other blog called Ringgit Wise Fool where I take the trouble to proof read it.

Answering your questions:
- the 5% cash back on any transaction is only for weekend capped at RM50. true? Yes for the Maybankard 2 Amex only. No cash back for Visa/MC..

- do i get Treatpoints on weekends too? or only during weekdays? You get Treat Points Everyday for the Maybankard 2. Amex 5X Visa/MC 1X. The question yet to be confirmed is - do we get 1X point with our Visa/MC for petrol? AMEX confirm YES

- the Treatpoints cant be redeemed for cash, but can be redeemed for vouchers. true? True, unless you at 1U, you can use the Treats Points to convert to Rcubed to pay merchants like cash.

- is AMEX accepted by Petronas? Easier just to answer NO. But it has been reported by others that few Petronas accept AMEX inside the counter.

- Maybankard 2 MasterCards will be available from April 2011 onwards. Meaning can only get the AMEX+Visa pairing now, while for AMEX+Mstercard pairing, after april? Yes

Please bear with me, assuming i can use cimbclicks to settle my credit card statement of other banks, is there any service charge? Or to avoid the above quoted problem, is it advisable to open a Maybank account? This question Miles or Chemistry please reply.

To read more on the Maybankard 2 Cards, click below link to read my article on it. In it you will find link to Rcubed, merchants' card to compliment your CC and voucher redemption. Have you thought of changing to ESSO where you get extra 1.5% cash back and with Maybankard 2 Amex it is like getting 2.5% (voucher) + 5% cash back + 1.5% (Esso petrol) = total 9% return with the MBB Dua AMEX.

http://creditcardsmalaysia.blogspot.com/20...an-express.html

This post has been edited by Gen-X: Mar 6 2011, 09:06 AM

That's good. Is it in your monthly statement?

Anyway, I have few things to report

1. MBB only issue one single statement for my credit cards. Got my latest statement last week and found out I got charged for Late Payment (RM5) and Interest (RM0.01) because I paid to my MC account number instead of my Petronas acct Called MBB CS last week and today checked online, the payment was transferred to the Petronas account and waiver for late penalty and interest were all done on the same day last week. I must say I am very happy with MBB

Wonder if above will tarnish my CCRIS

2. Two month ago asked HLB CS to deduct my points to offset GST for my HLB Plat card. When I got my last statement, got a shocked that the CS (a guy) only deducted half the points and offset RM25 and I got charged interest So called HLB CS (a lady) again last week and told them the problem and she said will do the necessary adjustment. Checked online today, HLB deducted my points to offset the other RM25 but interest still shown! So call HLB again to get it rectified. I am not surprised as from my previous experience, it will take me few phone calls to HLB to get matters in order.

3. I also just got my EON Bank Visa Signature statement and very happy to note that they gave me RM50 cash back for new card So for this year, I having the Visa Signature for FREE since annual fees is waived for the first year.

** Edited**

4. I almost forgot - since I was on the line with HLB CS, I asked about the Fortune card cash back. The CS confirmed that Petrol do get 1% cash back. And when you are issued a Fortune card, a new savings account will be opened with it (cannot deposit into existing account and I suppose this is because the interest earned is different) where the cash back will be deposited and you can go to counter and withdraw cash from the account.

Click here to read my article on Banks Customer Service Contact Numbers.

This post has been edited by Gen-X: Mar 6 2011, 12:06 PM

This is great info, finally. So the diff between MBB2 Amex and MBB Visa is 1.4342% or

If spend USD1000 with MBB Visa you can save RM43.97 or

If spend USD1000, in terms of voucher MBB Visa RM15.33 (0.5%) and Amex RM77.75 (2.5%) Diff = RM62.42

Conclusion based on above transaction: AMEX MBB Dua better!

But from my previous transactions with AMEX on the same day less than an hour apart, the rate not constant and can vary close to 1% Need to wait for wshoh to confirm again.

HSBC rate low lah.

This post has been edited by Gen-X: Mar 6 2011, 06:06 PM

You are absolutely right. I forgot about MBB Platinum Visa/MC when doing the comparison. And thanks to you I went and applied MBB Platinum MC last year after you highlighted that it was giving 2X TP.

In my opinion, for overseas transactions, nothing beats MBB Platinum Visa/MC with 2XTP (unlike 1X TP for MBB Platinum Petronas and MBB 2 Plat Visa/MC). I would prefer to use MBB Platinum instead of waiting to get enough points to redeem for vouchers and I don't have any company reimbursing my expenses, haha

Click here to read about Malaysia Credit Card Annual Income Requirement and CL.

This post has been edited by Gen-X: Mar 6 2011, 10:03 PM

I won't say I have done intensive rsearch. I am just "crazy" into credit cards
What cards I have? Guess you too lazy to read all my posts, hahaha, Anyway, here are my cards (click below links to see photos or read article):
My Credit and Debit Cards in Nov 2010
EON Bank Visa Signature added to collection in Nov 2010
MBB Platinum MasterCard added to collection in Dec 2010.
Maybankard 2 Platinum Cards added to collection in Feb 2011

Well your collection pretty good too, CIMB and PB for BT, AMEX Auto Billing and CiTi Premier Miles for Airport Lounge.
Yah MBB Petronas change to MBB 2


Well the table in my post Malaysia CC Annual Income Requirement and CL do not list exclusive Premier Cards that need Privilege/Priority/Premier Banking accounts but in the article I did mentioned about HSBC Premier as follow:

There are still some exclusive credit cards out there available only by invitation such as CIMB Enrich World Master Card and RHB Visa Infinite and certain cards only available to Premier/Priority/Privilege Banking Customers such as HSBC Premier World MasterCard and Stand Chart Visa Infinite.

Now say you got a lot of money but for some reason you cannot proof your source of income (maybe you work in Singapore for example), there are still ways to get a credit card. One way is by opening a Priority/Premier/Preferred/Privilege Banking Account with banks where it automatically qualifies you for a Platinum credit card where the annual fee is usually free and the starting credit limit should be RM20K or more. But if you don't have a couple hundred thousand, you still can get a credit card with the credit limit you wish by pledging the same amount as the credit limit you want into FD with banks like OCBC Malaysia, Hong Leong Bank and Public Bank.

This post has been edited by Gen-X: Mar 7 2011, 07:13 AM

Wah RM288, makes me want to apply for it too. Years back I had a SCB Plat where I used less than RM20K with it and SCB refused to waive the annual fee in full so I canceled it. From then on never bothered with SCB. Nowadays is it easy to get annual fee waive in full for SCB Plat cards?

true, maybe will take your advise. No no no, must take your advise, free money.

Not necessary the case as in earlier calculation posted based on zenquix transactions. The AMEX even better than MBB Visa/MC. So with MBB Dua AMEX, I am sure it will beat other credit cards in terms of returns in voucher form. **Edited**

SCB VI annual fee auto waive if don't spend a single sen with the card? If not, can use the annual fee and also higher interest from other banks' FD promotion rates to go buy stuff.

*Edited*
Wah, this suggestion better, hahaha if it is applicable.

SCB waived my gold card annual fees but when upgraded to Plat, they only offered half. That was like 5 to 6 years ago.

You big spender ma I guess you have the highest CL amongst us and also the lowest CL (still having your UOB at CL RM1K or have you asked them to incresed back the CL)

This post has been edited by Gen-X: Mar 7 2011, 10:25 AM

Well, I click on the Apply Now and by the time I reached the 3rd page I cannot proceed further as it is mandatory I fill in my employer name and address Must go get a position somewhere so can get this part filled up, hahahaha

Yah lah, the world is cruel to the unemployed Too bad this is not Australia else I got some government subsidy, haha And how to apply 6 cards when 1 also cannot complete the application. Wait, you just gave me an idea, maybe I should state source of income as Standard Chartered Bank, hahaha

This post has been edited by Gen-X: Mar 7 2011, 03:13 PM

Too bad I can't use my dad's company but IF I really want the card I can still state my previous company since technically I am still a shareholder and helping them out on minor things without consideration. Just that when I reached that page I was like hmmm... The thing is besides the RM288 offer, I cannot think of another reason why I should get the SCB Plat card. Can someone tell me what I am missing with it... like a mini review. As for SCB business card, I think HLB Fortune beats it flat.

As for being given money for being unemployed, those countries the tax damn high.

Yah, someone mentioned in my blog he got 2 free passes and it is a one time gift i.e. not renewable.

Yah, that is true. MBB WMC best for overseas. I was offered it too but I can't remember what the tele-marketing girl said about annual fee waiver.

The richer you are, the more benefits. click here to read about it at Ringgit Wise fool.

This post has been edited by Gen-X: Mar 7 2011, 06:22 PM

nowadays most card comes with annual fee 1 or more years waived. But if it is not, it will be charged upfront.

Thanks for the feed back.

But the thing is my cards already have following benefits

a) DA Visa Infinite give me 0.5% cash back already and I don't even use it.
b) Alliance Debit card also gives me 2% cash back but no money in account, haha
c) OCBC Titanium and MBB 2 AMEX I no need to mention lah
d) For no cash back cap - AMEX Gold Charge Card gives me 1.5% cash back with Turbo points. I don't have problems using AMEX somehow as merchants I go to mostly accept AMEX. But this year not going to enroll into Turbo since MBB 2 AMEX returns better.
e) For overseas I have either MBB Plat lowest conversion rate with 2XTP or
f) For overseas EON Bank 2X points plus 1% cash back and Medical Insurance and Travel Insurance RM2M
g) For access to Airport Lounges, I have Alliance Plat, UOB Plat, RHB Plat, RHB Premier Debit and EON Visa Signature

I cannot think of any extra benefit I can gain from SCB, that's why I am thinking to get it or not and then have to go cancel it and have to pay RM100 GST for two years.

This post has been edited by Gen-X: Mar 7 2011, 10:36 PM

Not this fan, I agree to most of the contents posted by you which are direct and factual.

Just wanna reconfirm that you are saying that we get another 5% off rate quoted for hotel rooms using pay pal? I know Miles mentioned before he used his HSBC and got 10% off for hotel in NY, USA.


I just posted my review of the HLB Fortune Visa Cash Back Credit Card in my blog.

Click here to read my comments on HLB Fortune CC, as usual full of me blah blah blah

You mentioned you took 3 hours to read my posts at my blog and you missed the above info

click here to read my post on My Wife's MBB Dua application where I did mentioned time frame.

And to get fax number and email address click on Maybankard 2 Cards post where I have a link in the above post.

noted, thanks.


thank you. next time I want to book any hotel I better seek your advise first


Well, since 1st Jan 2011, I am damn free hahahaha

All HSBC Classic, Gold and Platinum free annual fee with 12 swipes. And yah, take the Gold and save RM50 on GST.

click here to my article titled Malaysia CC Annual Income Requirement and CL, where I got a table showing what card are free with and without conditions.

Is the card free? If yes you get 2% rebate on your insurance premiums why not? And in respect to transfer payment with CC, it should be like any other insurance company where you just need to fill in a form, you can get the agent to meet up with you or you go to ING yourself.

This post has been edited by Gen-X: Mar 8 2011, 03:54 PM

DM3, I suggest you go read the terms and conditions, I too lazy to go read it today. I am sure Citi not so generous to give you 8% cash back.

But for spending RM4K a month, you have many options. CIMB is promotion not a permanent feature, better you go get OCBC Titanium (free annul fee and GST waiver) for groceries for example since you got Citi for fuel.

Even HLB Fortune/Essential 1% cash back better than Citi but both have annual fees and I personally I don't like cards that don't have auto annual fee feature. And both these cards no points system so are the banks willing to offer you waiver for GST?

Click here to read more on HLB Fortune Cash BackCC.

pizza hut home delivery if use MBB card can win iPad last month I think, not sure if contest applicable to Maybankard 2. Anyway, Pizza hut home delivery accept Amex so you can get 5X TP and 5% cash back on weekends Just make sure when you call tell operator to tell the delivery boy to bring the terminal.

This post has been edited by Gen-X: Mar 8 2011, 09:27 PM

I didn't call to activate mine but it is usable. Applies to all my Maybankard, I don't call to activate even tho it is stated in the letter that comes with card

Just ignore it and save your money

Just out of curiosity, yours Gold? If yes can other Gold cards confirm if they receive theirs thru normal mail or Poslaju. And what is the CS number behind the card.

This post has been edited by Gen-X: Mar 8 2011, 10:15 PM