It is less than RM 1k actually.
Anyway, will book directly with the hotel as the rate is cheaper than Agoda, let me check again.

If it is your card anniversary date - Government Service Tax. Read page 1 for more info.

cheaper after 6% or 7.5% discount? If yes, yah, better book direct AND if you check out on a weekend and pay at the hotel using your Mbb 2 AMEX, you can earn up to 7.5% returns That's what I will do for my local stays, I may book the room giving them my Visa or MC number and when I check out I use my AMEX

This post has been edited by Gen-X: Sep 16 2012, 02:30 PM

Hey hey hey, that is what I do too all the time Everytime I go to KL (usually Friday), my dad will check-in first and give his Citibank VISA as room security deposit. Then when we're checking out on Sunday, I will give the receptionist my MBB2 AMEX (or sometimes my mom's if I've maxed out my weekend cash back)

wise men think alike

Extra 3% charge if using credit card and I'm not checking out on weekend. So, I'll pay by cash.
Thanks for the recommendation.
If pay by Agoda needs to pay service charge but hotel doesn't charge me service charge.

Hi all, how I pay Unifi bill via M2U??

Referring to previous pages, it's under utilities right?? but I cant see any utilities link in my MBB page, and I click "bill payment", then click "make one of pay" (something like this), then there have few link to choose, and I have choose Telekom National but this is TM payment not Unifi payment

May I know the schedule of step by step to make a Unifi payment via M2U??

I have tries few times but still cannot make it, how do I find the link for Unifi payment.

Categories there choose "all payee", then choose telekom berhad - unifi.. You will see on it..

Did you consider the forex rate differences?

Nope, can you enlighten me for MBB 2 AMEX case? I.e what is the effective "savings".

My Pay Pal Account in RM so I got no idea on other type of top up.

ah you paid in RM? Then it doesn't matter. Though Amex cannot be used to pay an RM bill on paypal.

If it is in a different currency the extra 1% forex rate from Amex rate will really make Amex bring in less savings than Visa/MC

1) weekdays (RM)
MBB2 Amex - eff 2.5%
Visa/MC - eff 6.5% (normal). eff 7% (2x pts if considered overseas - plats only)
VI - eff 7% (2x pts), 8.5% (5x if considered overseas)

2) weekends (RM)
MBB2 Amex - eff 7.5%
Visa/MC - eff 6.5% (normal). eff 7% (2x pts if considered overseas - plats only)
VI - eff 7% (2x pts), 8.5% (5x if considered overseas)

3) weekdays (forex)
MBB2 Amex (2.5% forex rate) - eff 0%
Visa/MC (1.25% forex rate) - eff 5.25% (normal). eff 5.75% (2x pts if considered overseas - plats only)
VI (1.25% forex rate)- eff 7.25% (5x overseas)

4) weekends (forex)
MBB2 Amex (2.5% forex rate)- eff 5%
Visa/MC (1.25% forex rate) - eff 5.25% (normal). eff 5.75% (2x pts if considered overseas - plats only)
VI (1.25% forex rate)- eff 7.25% (5x overseas)

So Amex only comes top in one type of transaction vs a normal Visa/MC up to plat level. Assuming MC/Visa 6% discount on Agoda

This post has been edited by zenquix: Sep 16 2012, 09:47 PM

Fantastic detail calculations on the effective savings and comparison Conclusion, don't go with MBB 2 AMEX for booking your hotel room with agoda but instead go with the MBB Visa/MC 6% discount UNLESS you can pay with your MBB 2 AMEX on weekends in RM.

Yah I always select RM for my agoda using my credit cards. Paying with Pay Pal for agoda booking was a reply to fruitie's consideration in using this option.

As for the second sentence, I got no idea if AMEX can use to pay RM bill on paypay. My Pay Pal account Primary currency in is MYR and I top up using direct debit from my bank account.

This post has been edited by Gen-X: Sep 16 2012, 09:58 PM

i dislike paying in RM on Agoda.. (though they seems to force the option). They offer very poor forex rates compared to booking in the local currency.

if you do credit card linking in paypal, only Visa/MC can be used to pay for transactions in RM.

This post has been edited by zenquix: Sep 16 2012, 10:13 PM

Agoda always automatically bill our MYR credit card in MYR now even if you view the price in USD till the last checkout page


No. AMEX cannot be used to pay RM bill through Paypal.


Agreed!!! It is no longer possible to choose to be billed in USD since sometime last year

This post has been edited by MilesAndMore: Sep 16 2012, 10:22 PM

Hi, I just received these cards on Friday. I'd made first swap today. BTW, I got a question: how come my CC account doesn't automatically appear in my M2U (I'd sign up M2U last year when opened a saving account)?

This post has been edited by prole: Sep 16 2012, 10:38 PM

Of course it doesn't. If it's AMEX, it is very likely that you'll see it in M2U tomorrow after 8am as they usually are very fast in updating AMEX transaction. Otherwise, you'll see it a few days later. However, do note that your available credit limit is already decreased the moment your transaction is approved.

well, if it is not there then go to the branch and request for it to be linked.

This post has been edited by Gen-X: Sep 16 2012, 10:40 PM

Thanks for the replies.

Today I went IKEA to buy bookshelf, but IKEA reject my MBB 2 AMEX. So my 5% is gone :-(


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Sorry mate. Read your post wrongly just now. I thought you were asking how come the transaction on Friday has not appeared in your M2U. I didn't realize You were actually why you can't see your MBB2 cards your M2U until Gen-X replied

I don't think you read wrong, if you note, he edited same time you replied to his initial post. So your reply was correct

This post has been edited by Gen-X: Sep 17 2012, 12:29 AM