OK thanks, that makes me feel slightly better now.

Yep, actually offer letter stated higher CL but it looks like they just added the FD from my MBB2 cards into a combined limit.

Stamping fee is RM10, MBB2 I had to pay the same too- this is for the agreement.

Doesn't affect the AF as far as I know, still need to pay if less than RM50k per year spent.

In my article My Son Is Going To The USA Again On Business Class, besides showing that we can get equivalent 19.19% and 12.33% cash back with the MBB VI and MBB 2 AMEX respectively when we redeem Enrich Miles converted from Treats Points for Business Class Ticket, I also mentioned that one can be issued the Maybankard Visa Infinite if we sign up for Maybank Private Banking and if can't prove our income, we can pledge FD.

The Maybankard Visa Infinite earns the card holder 5X Treats Points overseas but only 2X for local spending.

So this card is great for those who spend substantial sum of money overseas (online or in person) like in the case of rjb123 where he spend RM12K-RM15K per month on overseas transactions.

And this card is also great for Miles where he flies overseas like every other week.

But , the Maybankard VI is not good if you spend your money locally.

1. With overseas 5X Treats Points, for the VI it works out to be RM0.90 spent = 1 Enrich Mile. But for local spending where you only earn 2X TP, it works out to be RM2.25 spent = 1 Enrich Mile. Whereas our Maybankard 2 AMEX which earns us 5X TP and with conversion rate of 7000 TP = 1000 Enrich Miles works out to be RM1.40 spent locally = 1 Enrich Mile.

2. To redeem stuff other that Enrich Miles, the Maybankard VI has no advantage over the Maybankard 2 AMEX because we need the same number of points to redeem for the same item.

3. If you fly economy class with Malaysia Airlines, it may not be worth it to redeem our Treats Points for Enrich Miles. In my article titled Toshiba i5 for RM999 and Enrich Miles Redemption, I showed that we get the same "worth" when comparing redeeming Enrich Miles for air ticket versus cash voucher. Not only that, we still need to pay for surcharges and taxes when we use Enrich Miles to redeem for air ticket. For example, I still need to pay RM1,140 for surcharges and taxes when I redeem for a FREE return ticket to Melbourne. But with Air Asia, I can get return trip for less than RM1K including taxes and whatever surcharges during promo.

And if you pledge RM50K FD with Maybank, you will get Board Rate where as you can use this same money and go deposit elsewhere and earn yourself more than RM225/year.

Click here to my Fixed Deposit Page to see FD Board Rates offered by commercial banks versus FD Promotions where we can get up to 3.98% until end of October 2013.

MBB 12 Months FD board rate 3.15% versus Affin Board Rate 3.6%. That's RM225 extra money.
If compare MBB 12 months board rate versus KFH 12 Months Junior Promo FD rate 3.98%, that's RM415 FREE Extra money.

And for MBB VI annual fee 2nd year onwards, it is automatically waived with RM50K spending. Really automatically waived, no need to call CS or whatever. The real benefit on the Maybankard VI is the excellent 4500 Treats Points =1000 Enrich Miles and use the redemption to get "FREE" Malaysia Airlines Business Class when there is a promotion. I must stress only use the Enrich Miles to redeem for MA Business Class ticket when there is a promotion. For example, with best deals we can get a one way Business Class to US for 51K Enrich Miles compared to usual 200K+ Enrich Miles during peak period and last minute booking. Yes, 200,000+ Enrich miles for a one way Business Class ticket to LA.

This post has been edited by Gen-X: Oct 22 2013, 12:31 AM

Thanks for the Head-Ups....

thats good, after making pledge FD, do they still look at your income?

I've only ever used FD to apply CC, never provided any proof of income documents.

Maybankard 2 is advertising heavily in The Star (a few full page color ad) ... Focus on the 5X TreatsPoints

great then, will Apply for VI soon

ya full page x 3 or 4.

economics going bad... that why need powerful advertisement to boost their product

Guys, if u need to get a replacement card for whatever reason, its free. Just call the maybank call-line.

I walked into the taman desa branch the other day and they said i would need to pay 50 bucks for a replacement..figured the clown tried to swindle some money from me.

yup, replace mine once or twice.. how dats possible asking for money? even replace atm card they will deduct from ur acc only.

pls help ! i cannot find the list of merchants / privilege offered for maybank card.

hi guys... been eyeing my eyes on this card but havent applied since i already have OCBC Titanium.

anyway, whats the best promotion available when applying this card? any free gifts etc?

do refer to first page and no, MBB dont give up free gift during sign up...

Since they are loosong customer on 3 year validity on treatpoint

can someone please tell me how to check the points expiry?? cause in statement just mention total collection this month and total.

still got 2 years plus to go

This post has been edited by Human Nature: Oct 23 2013, 01:05 PM

do refer to first page



http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal

The expiry date follows your old card or is it renewed for 5 years from replacement date? My Amex is looking pathetic already but I figured that I will just wait for the renewal date. Dunno the card can last until that date or not. I may call them to get a replacement.