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

Last month MBB already write letter inform all Amex merchant about this already.

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.

Wahh thx bro for the concise answer..

So, from your opinion I have to choose AMEX ? is it the fee on the merchant is wayy to high than without AMEX ?

My income slightly more than 30k+- ... will apply it using my account statement.. 

Can I apply it online or walk in only to Maybank HQ or any maybank branch ? read the m2card thread saying that only HQ.. 

not that you have to choose amex during application. since mbb2cards comes with 1 amex and 1 visa/master, you can only choose to get a visa or master (amex is compulsory to have). but i mean choose to use amex whenever possible, only if no choice then you use your other card (visa/master).

you can actually walk in any mbb branch to apply, unless you want to get the card on the same day, then you may need to go to selected places.

ouh ic..haha I didnt really understand yet credit card term..haha..thx for explaining..

So k ...i will walk in to maybank branch only...

thx again

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: NO
3. Card required for: Petrol, Education, Cash Back/Rebate Only, Installment

4. Existing credit cards if any: Nil.

5. Looking at CC from: Anybank

how's your expenses per month?

1.9k

how much per category from the 1.9k divided based on the categories you chosen?

300 Petrol, 600 Car Loan, 200 Insurance, 600 Food,200 Entertainment

1) mbb2cards
2) uob one
3) cimb cash rebate

hi sifus,

annual income - 70k
looking for the cash back card.

monthly spending around 1.4k (petrol, insurance, bla bla)

currently holding:
1. uob plat one (using this as the main card)
2. ocbc titanium - I haven't think of the best way to destroy the card, any1 can suggest me (basically I m gonna cancel this card soon)

300 Petrol, 600 Car Loan, 200 Insurance, 600 Food,200 Entertainment

If anyone went to Mid valley last weekend in conjunction with the Minions-HSBC event, the sales was keep promoting how good is HSBC cards with 8% cash rebate in any day. Is it true?

So HSBC > MBB2 Cards now?