No point la bro, now so easy to qualify for it.

I hold a Amex Plat, also never bother to use because the benefits are much lesser unless for some really big ticket indulgence item

It comes at no cost to me bro

Currently, take advantage of SC or Citi's promo lo.. But I hardly utilise my current M2C or Amex Plat, so applying the cards is no issue but no point la.. later hand itchy

But unless other cards give really huge benefits in the long run, I don't see much difference between those.

Same here .. Since you have Amex Plat, do check their website occasionally, as at times the Platinum members get a better discount / offer compared to Gold card holders

Not if you work there

We need to pay GST for M2C though

Economy is good, everyone going to watch movie so Visa's allocated budget ran out

It's usual since the advertising budget being channeled into subsidising the tickets isn't that much, to be honest.

What you can do is probably sit down and list out your average monthly usage (i.e. petrol@Esso=RM200 p.m, grocery@Jusco=400p.m, etc...) it will help in determining which card is best for you.

If you are able to max out the benefits (at average of 5% cashback, you will have to spend RM1000), it is recommended to get more than one card to better utilise all the benefits.

OCBC card is accepted by all merchants, because they are simply Visa / Mastercard issued by OCBC, it is no different than the Visa/MC offered by the likes of MBB, HL or Citi. However, as they are Visa/Mastercards, their cashback rewards are often lower due to the merchant charges being less than those of Amex (which is also why smaller businesses don't carry Amex), so there are pro and cons.

There are tons of benefits using CC, but if you are looking for specific ones, you are better off reading the individual cards' thread spread out around this forum.

It should be no problem if you want to cancel the Cc after 2 months of usage, but do check with the customer service on the regulations as you will be charged the service tax (RM50 per card) and on occasion, an annual fee (which is usually waived with some conditions, i.e. must be swiped X num. of times).

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Added on October 23, 2012, 10:15 amI've increasingly reluctant to use Agoda these days, as I find I can get even cheaper prices outside for the same hotels and most of them take the Amex card.

I've also resorted to simply calling / e-mailing the hotels to check if they can match of better the deals offered by Agoda (often they will), save on service free imposed by Agoda

This post has been edited by fuzzy: Oct 23 2012, 10:15 AM