my alert comes a day later..yesterday use my amex at jusco at around 4pm..got the sms today during lunch..

this has been discussed many times before and I have mentioned in Post#2 that many reported that they don't earn the 5% cash back with their online transactions as it depends on the timing the merchant processes the transactions.

Actually hye did start a thread just for the purpose to identify which online merchant does earn us the 5% cash back click here to read more. fruitie is one of the few people who have taken the trouble to share with us that she did get 5% cash back for Pay Pal and flickr. Important thing to note also, for overseas transaction, you have to take into account the different timezone. Hopefully all members who transact with their MBB 2 AMEX on weekend can update in this said thread to benefit others.

I guess if you frequently do online transaction with a particular merchant, it may be worthwhile trying out a transaction with them on a Saturday or Sunday to find out if you do earn 5% cash back (you have to take note of the time difference too).

As pointed out by hye once again, it depends on when the merchant processes the transaction. You think people in Australia work on Weekends?

Come on lah, the tuition fees in Australia is definitely more than RM30K and you want to earn RM50 from it? As to which card to use, it depends, you want to pay more upfront and redeem for point later or pay less upfront and earn less points.

Which card to use? Maybank Visa Infinite  click below to read my latest article.

http://creditcardsmalaysia.blogspot.com/20...ybank-visa.html

and also click here to read my article on Credit Card for Education Bills

Having said above, make sure you double check if the school charges any surcharge fee (especially if they uses a 3rd party service), if yes, it would be cheaper if you just buy a bank draft.

RM50 GST is not a lot. I'm not justifying the GST but you should weigh carefully your chase for rebate / points vs what you need to pay. Especially when you are using the card overseas ... I personally will not do it because I can get back the rebate via local spending which I will be charged in RM vs in overseas currency (which costs more) as per what you were considering.

You are still talking about using your MBB2 AMEX overseas right ? What determines whether or not you are entitled for the 5% weekend cash rebate is the transaction date. The transaction date must falls on either Saturday or Sunday. Posting date will however, determine you will get the rebate this month or next month.

For example, you bought something in USA on 31st December 2011 which is a Saturday, thus making you eligible for the MBB2 AMEX weekend 5% cash rebate. However, the payment was only posted to your account a few days later and the posting date is recorded as x Jan 2012 in your account. The 5% weekend cash rebate will be credited to your account only next month and is counted towards your 5% weekend rebate for January 2012 instead of December 2011.

Bro, tell you what, since you want the points, go swipe RM1K and see if you get the 5% cash back on weekends with the online payment and then post the outcome at the thread hye started to benefit all. And from then on, you and me can know the right answer once and for all. The remaining RM1K swipe with the Visa  or MC to compare.

All my CVV/CVC/CID for my cards are "blocked" from visibility with stickers too! My practice since my 1st card with HSBC.

ixole and jchong, you guys just did some transactions right, please share the details.

What is your statement date? If your statement date falls before 24th January, then it'll appear in the next bill cycle. No interest will be charged even though you didn't make the min amount payment for this transaction.


If your statement date is after 24th January, the transaction made on 24th will be counted in this bill and you have the obligation to clear by the due date given. Otherwise, interest will be started to be imposed on the outstanding even min amount is paid.

It depends on whether the transaction has been posted in the current bill or not because some merchant may not as efficient as others.

Statement date is 12th January and your transaction date is 24th January.

Any swipes made and posted by 12th January will be counted in the current bill and have to clear by 1st February.

Any swipes made after 12th January will be billed in the next statement. No need to pay any amount until the bill ready by 12th February.

Sorry for the lengthy confusion.