Nevermind I already check. 10% cash back is only for movie right? Dining will be 5%?

Any catch for using this card? So far seems good for me. Maybe will apply

Applicable everywhere, so long the MCC code is for dining.

Nope, for movie you will need another package. For me, I just want for dining, so I go for trendsetter package. I suggest you check out MACH thread.

No catch, RM 100 max cash back for one quarter based on calendar days.

K Thnx. I will go apply tomorrow.

Btw the 12 swipe annual fee waiver need call every end of the year or will auto waiver?

Is it call before fee is charge or before?

Sorry is first time I apply card need to call for annual fee waiver so have tihis question

I don't think you will need to call to ask them to waive it. So, it should be auto. I only started using it for 3 months, only next year I will know.
It's so easy to achieve 12 swipes.

First year, annual fees is waived.

Just to point out that all my transactions at restaurants/dining outlets are considered as DINING.

which card is this ?

Oops, have been browsing through too many threads , this is HLB Mach btw..

wah, kfc tesco kepong accept cc payment!

Uncle Victor you replied to me already wo...haha

double post~

This post has been edited by kelvinlzy: Jun 2 2015, 03:15 PM

eh, i replied you that one is at tesco kepong??? how come i don't remember???

ok, i also want to say this... you also replied me already wor (but both at 3:03pm). lol...

This post has been edited by victorywp: Jun 2 2015, 03:08 PM

Dang it. Looks like this curse is revolving around both of us..the same thing happened to us before lol..

yeah, it's dejavu! i also remember it happened to us at least once earlier. lol...

Please fill items below and then only post so that we are able to recommend you a credit card based on your needs and qualifications

1. Annual Income: RM25k

2. Free Lifetime Annual Fee: A Must

3. Card required for: Petrol, Medical (incase of emergency) , easy payment (TV,home theater, gadget...)

4. Existing credit cards if any: Nil

5. Looking at CC from: No idea

6. Others: Just applying for the sake of I need any emergency payment to be made, just like previously, I need to pay for some medical treatment, and have no cash, I mean that certain amount of cash..So i think i will be good if I have the contingency plan for it even though it sound dumb to have credit card as your contigency plan..

7. If let say I swiped 2k today..do I still need to pay the interest if I pay those 2k the next day I swiped it ?

8. If I never use the card, do I to pay any charges ? anything ?

9. Maybank 2 card & Maybank 2 Amex .. why some avoid Amex ? any disadvantage ?


Thanks for helping..

Sincerely: Credit card noobies..

This post has been edited by msafwan1773: Jun 2 2015, 06:04 PM

you may choose mbb2cards or cimb cr gold. both free for life and have easy payment plan with many merchants.

if you swipe today and pay the next day, there is no interest. in fact, you actually have 20 free interest days start counting from your statement date. means if you swipe on 15/6 and your statement date is 14/7, you don't need to pay interest up to 3/8. but if you swipe on 13/6 and your statement date is 14/6, you need to pay by 4/7 to avoid interest. 2 days difference (13/6 vs 15/6) can extend your interest free days from 4/7 to 3/8 (about 1 month longer).

if you don't use your card, you don't need to pay anything since these cards don't have annual fee and the rm50 gst per card has been abolished.

merchant is avoiding amex because of its higher fee towards the merchant. but users prefer to use amex because of its better rewards. so you as a user, just use amex whenever possible.

M2Cards cannot because it needs 30k per annum.

oh ya, you are right. cimb cr gold then...

This post has been edited by victorywp: Jun 2 2015, 10:00 PM

From July 01 onwards, AMEX merchant fee will be the same as Visa/MC at 1% as per BNM Card Framework. Expect more AMEX merchants to come

wow so good, so only overseas rate still sky high

i wonder how far this new framework has reach to the merchants. i'm afraid still not many merchant know about this.

This post has been edited by victorywp: Jun 3 2015, 01:14 AM