1. the geran (photocopy also can) must be with u. coz u need to enter engine number, chasis number, etc.
2. not sure if can pay using amex at motortakaful.com, my experience can only using visa/master (feb 2011).
3. etiqa will send cover note in pdf format to your email. later will post to address.
4. NO. confirmed via email by etiqa

of coz. but need to confirm the merchant terminal there can accept amex (depends which branch u go).

BTW guys, i received all my 3 cars' insurance policy renewed via motortakaful within 2 weeks.
plus free 2x car sticker - 1 etiqa breakdown number, 1 just etiqa sticker

IF, u read my post above, already mentioned can use visa/master only that time. and i'm using master

coffee: CIMB Visa Infinite. you get free dome coffee and 15% off san francisco.

airport lounge: CIMB Visa Signature (klia only).

cash rebate, petrol, tol: CIMB Smart Drivers Package. petrol is for petronas ONLY. No reload fee for Touch ‘n Go.

This post has been edited by erry-: Apr 27 2011, 01:27 AM

i use the Fuel savings calculator @ citibank website for my standard usage (of rm1k, to compare with mbb2 amex):

petrol rm400 + others rm600 can received monthly rebates rm24 only.
while mbb2 amex can get back rm50 (weekend), plus 5x tp

the annual salary requirement (gold card) is higher than mbb2 amex gold?
plus, mbb2 amex is free annual fee while citibank shell gold need to pay rm195/year!

IT IS!

ONLY IF, spend min rm2.5k per month, with min rm750 shell + balance on others, can get back rm60 or 64 per month.

but again, with total rm2.5k per month, mbb2 amex can get back rm50 (weekend) + 12,500 TP.
that TP can redeem for rm50 voucher (9,300 to 11,000) so total cashback equal to rm100

but for me, the most important thing is free annual fee without any conditions ~

This post has been edited by erry-: Apr 27 2011, 01:40 AM

u CANNOT maintain supp without any principal card.
if u cancel/terminate principal, all supp will be cancelled too.

solution: just apply for new principal mastercard then cancel the visa principal & master supp ~

tesco cashier

tesco clubcard = rm2 for 1 point.
better jusco jcard = rm1 for 1 point.
but not sure if jusco can buy prepaid reload at cashier or not.

yes. but giant dont have reward card. tesco got clubcard

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Added on April 30, 2011, 8:47 pmfully utilised my amex2 cashback on 3 April. not happy!

and i might fully utilised my max rebate for may tomorrow!

This post has been edited by erry-: Apr 30 2011, 08:47 PM

yes i did have another card.

even my DA MC also will finised up the rm50 cashback at tesco/giant tomorrow

but still, got another cashback card, only not as high as 5% like mbb2 amex & da mc

what do u expect?

CL 'should be' equal to monthly income only, if not then how to pay?

my mbb visa (before adding mbb2) and pbb CL is even less than my monthly income
but then, if i reached both CL, i should have my monthly income times 2. not included other cards yet?

coz i wont ever let the bank charge the interest on me!

OCBC Ti can get 5% and 1% only. 5% for dining, groceries, bills & petrols.
once reach max rm50 cashback, then this card have no more function (points also dont have).
but, i'm not having this card (yet!), applied twice last year but failed
will try again this year later around august/september ~

my free-for-life cashback cards:

1. MBB2 amex plat (5% weekend rebate, max rm50) + 5x TP.

2. DA MC plat (5% - 10% sunday rebate, 10% burger king rebate all-year, max rm50) + 1x point.

3. eon thestore/pacific plat (3% - 6% at thestore/pacific and 0.5% elsewhere) - not going to thestore/pacific, but this card give free cashback during registration (so can waived gst), got annual usage bonus (to waived gst every next year), can access klia & lcct lounge, just MUST swipe 3x/month to CONFIRM waived annual fee on next year.

4. pbb esso/mobil (0.5% unlimited) - seldom used already after get mbb2 amex (coz esso/mobil rebate is tier-based). for non-petrol, using eon now, coz can get annual bonus. might cancel this card later

5. uob preferred plat - use for selected places that offer discount for uob (1% - 3%). points convert to voucher ratio is ± 0.3% only. previously applied this card to use for klia & lcct lounge. might cancel this card later also

6. alliance plat credit (tier-based, first rm5k only, min 0.6% max 2%) - CANCELLED and REPLACED by alliance plat debit (1.5%, first rm4k only). cancelled bcoz alliance credit cant access lcct lounge while alliance debit plat can, plus debit dont have GST!

after minus the GSTs, total savings per year = ± rm1100 (excluding cash voucher redeemed from MBB, DA, and UOB!)



This post has been edited by erry-: May 1 2011, 04:47 PM

no offense, but for the card itself:

1. citibank-giant free annual fee for 1st year only. 2nd year onwards no guarantee/confirm free annual fee.
2. cashback is 2% only while for DA MC & MBB2 Amex is 5% (plus Amex got 5x TP) on weekend, also OCBC Ti is 5% everyday.
3. even if on weekdays, using MBB2 Amex can get 5x TP which is equal to ± 2.27% (11k TP for rm50 giant voucher) - still extra ± 0.27% than giant, while OCBC Ti 5%.



and for the rewards card, purchase topup at tesco rm500 can get back 250 tesco points. at giant, nothing ~

eh, it should be 2500 TP. plus 250 tesco clubcard points

This post has been edited by erry-: May 1 2011, 10:19 AM

yes only for visa.

http://www.directaccess.com.my/index.php?c...603&tpt=cimb_da

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Added on May 1, 2011, 4:50 pmneed to open hybrid current account with min deposit rm20k. rm12 will be deducted for atm annual fee. card will be issued immediately. can withdraw 24 hours after change the pin. no min amount required.


This post has been edited by erry-: May 1 2011, 04:50 PM

very3 happy credit card user today!

just come back from tesco ampang.

purchase it stuff, rm1312, pay with DA MC, and:

1. get 1312 points with DA.
2. get back rm50 with DA (5% weekend rebate max rm50)
3. get back rm130 tesco voucher (rm10 per rm100 on electrical & it stuff) - voucher expired 1/5/2012.
4. get 656 tesco points.
5. get to purchase 5kg jasmine rice for rm2.99 only, max 5, total rm14.95, but tesco give 32 points (follow normal price rm64.95 before rm50 off).

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Added on May 1, 2011, 10:37 pmwhy i didnt use amex, coz i reserved amex for 5% petrol and other stuff.
nvm the TP, coz current mbb2 got 30k+ TP already.

if i used amex just now, then all the weekend cash rebate for may is finished. a little bit rugi.
i prefer pump petrol next weekend with 5%, and for groceries, i already have rm130 tesco voucher right?

This post has been edited by erry-: May 1 2011, 10:37 PM

thanks for replying

This post has been edited by erry-: May 2 2011, 12:50 AM

u pay with ur credit card, means swipe/slot at the terminal?

if yes then the cashier can just staple merchant copy slip with the receipt!
the cashier can wrote the card info, but should not wrote the 3 digit number at the back.

yes another person CAN buys something with the information on your card, usually online. but they still need expiry date.
they CANNOT if ur card have mastercard securecode or verified by visa - unless they know the password?

This post has been edited by erry-: May 2 2011, 01:53 AM

ur welcome.

just keep checking ur card transaction via online banking, if found something fishy then inform the bank immediately ~

yes definately mbb2 amex as u said, but only, if AIA accept amex.

if not, OCBC Ti 1% is next (only if u still not reach the rm50 max cashback). same goes to SCB JustOne.

HSBC Gold - not worth it, 1x point only.

HSBC RM30 Cash Back Programme

http://www.hsbc.com.my/1/PA_1_1_S5/content...k_promo_tnc.pdf

HSBC can convert 12,500 points to RM50 and credited in next statement ~

AMEX DONT have installment plan.

since they asked u to check with mbb, means what u can do is swipe full amount with mbb VISA or MASTER only then call-and-convert-to-installment, which u will be charged 9% p.a 1 time for the total amount then it will be divided to period u choose (6/12/18 months).

better use DA or CIMB, their flexi-pay plan (call-and-convert-to-installment) give 10 months installment without any charge!