I work more than 5 years also never pay tax b4

Yes electronically canot

I dont think joint accounts can be linked to credit card.. And different principal cant share treatpoints.

Nope, GST are charged based on numbers of card. So if you have 2 sets you will get charged 2x.

Lol missed that.

Yeah the cash rebate will be shared, as well as the credit limit..

Good question..
Since its a direct debit, i think should be billed on the spot. But i dont think this option accept Amex.

Why not u try and let us know?



Call them and ask.
If u need to use the card now, ask them whether they will cancel the card straight or u can continue use the card until new card arrive (usually 1 week)

I think i just found a way to make some cash back from the card, and Maxis users.


Maxis M Money

Anyone heard before?
Its an electronic wallet (failed one actually) a joint project between Maxis and Maybank (and Old Town White Coffee), back 6 years ago.


Anyway back to it....
Looks like you can Cash-In (reload) using credit card (MBB 2 Kard) either via Maxis MASA, or e-Pay merchants..
And then you may use the credit to either pay for Maxis/Hotlink bill or option to Cash-Out at Maxis MASA Centre..

Lets count the costs..
Cash-In via e-Pay = 0.5% fee of Cash-In amount or Min RM.050 for each transaction
Cash-Out directly to Bank Account = RM0.15/transaction

So with weekend 5% cash back + 5x TP earning - RM0.50 (for RM100) = earning cash back roughly RM7.

Can also opt to Cash-Out at Maxis MASA, not sure got charges or not..

Chances are slim coz u do not have any loan history.. But u can always try..

Not sure about other merchants, but im sure SenHeng or SenQ can..
Just like can use to reload Touch n Go card...

Anyway, its just my theory.... It may work..
I might go try this weekend if im free.. Even if after Cash-In cant Cash-Out via cash, can still use the credit to pay Maxis bill.

Techically, as requirements from BNM all credit cards issued will be charged RM50 GST.
And its the same with Maybank 2 Kard. Just that Maybank is offering auto/free waive for Amex (or either one) of the card.
If u check ur statement u will see both cards actually charged RM50 but one of them will automatically credited.

And yes canot cancel either 1 must have both, that is the condition for the RM50 GST thingy.


Harvey Norman selling iphong meh?

I doubt so.....Most probably its just credit card agent trying to fish customers by doing cold call..

Yes and she is credit card agent (in-house/Internet)...

If you were "selected" you wouldnt even need to send ur details isnt it?

And this makes no difference than u walk in to any branches to apply credit card.. Unless she says give u free GST waiver.

My Maybank 2 Kard even better, just appear out of no where and ask me to go collect card.

I dont think this one applies to Maybank Amex..
30% is not bad but i rarely eat obriens

I assume u have existing Maybank account either savings/currect/ or loan?

Anyway if u want the card then just go ahead...

What card is not "free" ????
The only free thing Maybank will give is 10K TP for offset the GST (if they offered to u). Else just nothing free except u dont need to personally go apply for one.

They giving u Gold or Platinum?