Yes 2 ticket

Japanese restaurant:
Daikanyama, Changkat accepts AmEx.

ya, 1u GSC they accepted AMEX, just bought 2 tickets watch on 1st Jan 2013

i didnt know u can buy over the counter for forward date. today oni i know...

not too late to know, starting from now u can buy it over the counter there

starting from January I will be using my MACH card to buy movie ticket. 10% cashback

MACH card?? HL credit card?? 10% cask back when buy movie ticket??

Wrong place to discuss. Better go to the Mach thread. But yes, its HLB card. I used to buy TGV with Citibank (promo RM10/ticket till 31st Dec) & GSC with Amex (7.5% weekend cashback)

Effective benefit vs AMEX is +2.5% (plus works all week not just weekends).

For that +2.5% to be worth your GST, need to buy RM2000 worth of tickets =) I think I'll keep using AMEX, thanks.

If worst case (only weekday purchases allowed) then +7.5%, need to buy RM667 worth of tickets to cover GST, which is more doable in a year (not for me though).

Well like i always tell ppl, CC is very specific on the person personal usage. In my case most of the time i max out my AMEX cashback, leaving me with only 2.5% cashback. Also your analysis is flawed because u assume a few things:

1. That Amex cashback is still available.
2. You cannot calculate 10-7.5=2.5%, hence i need to spend 2k of movie ticket


Correct calculation is I only need to spend RM500 of movie ticket to get RM50 cashback vs Amex RM667

caltex@ ayeh keroh RnR accept AMEX
caltex @ tebrau city (opposite jusco) accept amex
petronas @ marchap arah utara accept amex

I agree is specific to person personal usage.

However, I disagree on your calculation. You're comparing having 10% cashback to not having anything (hence RM500). I'm comparing having 10% cashback to having 2.5% (since your amex is maxed out) cashback, so your effective gain is 7.5%, as mentioned in my last line.

Put another way:-

Situation one - you only have AMEX and cashback maxed out so we only consider 2.5% - this one we consider as 'normal'

Situation two - you have AMEX and cashback maxed out, so you get HLB for 10%. You gain 7.5% (because if you did not take HLB, you would still have gotten the 2.5%). Hence your amount necessary to be spent is RM667 to cover the RM50 (which you would not have needed to pay without HLB).

Your statement from top to bottom makes no sense.

"You're comparing having 10% cashback to not having anything (hence RM500)."

No, I am comparing 10% vs 7.5% as it should be. Where to get the result for RM50 cashback is RM500 vs RM667.

"I'm comparing having 10% cashback to having 2.5% (since your amex is maxed out) cashback, so your effective gain is 7.5%, as mentioned in my last line."

"Effective gain"? I think you need to define to me what you mean by "effective gain", because as far as i know effective gain means after you minus all the cost, your final amount is known as effective gain. BUT there is no such thing as "effective gain" when comparing two product. This is not call effective gain.

If 10%-7.5% (as in your first calculation) = 2.5% is what you call effective gain. Explain to me then, this is 2.5% of what?? How do you calculate in monetary form this 2.5% gain?

"Situation one - you only have AMEX and cashback maxed out so we only consider 2.5% - this one we consider as 'normal'"

No, this is call weekday spending on Amex

"Situation two - you have AMEX and cashback maxed out, so you get HLB for 10%. You gain 7.5% (because if you did not take HLB, you would still have gotten the 2.5%). Hence your amount necessary to be spent is RM667 to cover the RM50."

Again, what?? 10-2.5=7.5% gain.... So i need to spend 667 to cover rm50??

"(which you would not have needed to pay without HLB)"

????

This post has been edited by WhitE LighteR: Dec 28 2012, 03:02 PM

Effective gain for me means you must compare two scenario, not just look at one only. In this case, you already got an AMEX card, then you add on HLB. If you didn't add on HLB, will you get any gains from AMEX? Of course right? So the real gain you getting from paying from the HLB is not the 10%, but its the 7.5% difference between HLB and AMEX.


Yes, you do. Your RM500 to cover RM50 is only valid if you assume that, if you don't have HLB, you won't be covering anything (0% cashback). That is not true because you still would have AMEX.

Ok, I don't want to talk to you d. This is just plain stupid.

it looks like there is confusion between "having M2C vs having MACH" and "having M2C vs having both".

anyone try using AMEX at groupon malaysia? I tried before before can't...weird because at the payment page..they put note that they accept AMEX that issued in malaysia...

Previously working, now no longer accepted

Just go and try pump petronas in Sg Penchala, it is accepted AMEX transaction. Long time didn't pump at Petronas since get the 2 cards

Just got a letter,

All insurance + gov payees are now 2x points only.