post 271

https://forum.lowyat.net/index.php?showtopi...post&p=66391098

what's so special about this card you failed to apply?

better yet, what's so special about this guy??? he's interested in you? this kind of persistence is ineresting

rejected twice from ambank and citibank. but what's the status of your application to maybank?

my lowest was RM7 for TGV early ticket price RM0.35 cashback

give or take 6 months before reapply.

do give UOB a try, no harm for you anyway. if you have more supporting documents, the better. e.g. epf statement, bank statements, 3-4 months of pay slips .. all to prove your avg monthly income is around 2.3k.

best card for you is still Maybank 2 Card Amex-Visa/Mastercard.

a tad difficult for annual income below 36k. if possible, you can pledge via fixed deposit?

each card's benefits may not suit anyone. also depends on your spending behavior

best, of course is HLB Wise with 10% cashback. but the entry barrier is high. stringent application and cashback is based on 3 categories. any spending outside of the category will gain you nothing in return (well, at least give you the RM50 per transaction count). Imagine, paying Unifi at RM150 (rounded to xRM50). This will give you 3X RM50 transaction count, but in the end, you gain nothing back.

next favorite is Maybank 2 Cards. 5% on any merchants during weekend transaction. mid-level entry barrier, but quite a good all-in-one card to have (i've been using Amex exclusively since my monthly spend is sub-1K/mth)

others, e.g. Aeon Watami. 3% cashback per quarter with cumulative of RM3k spending to be eligible. simpler card and entry barrier is low (more benefits during signup, e.g. 1st year AF waived + RM50 rebate). Benefits if you have large spending (RM3k to RM5k) in each quarter.

another good for petrol is UOB One with 5% cashback. some horror experience if pumping petrol after middle of the month (cashback quota depleted!).

so far, personally, Maybank 2 Cards combo is my only card in the wallet. I got no other cards. Happy with it for 1yr+, only heart-attack when I had to spend >RM1k per month (which effectively blew past my cashback).

This post has been edited by cybpsych: May 28 2014, 05:48 PM

UOB One's petrol cashback quota is limited to RM900k per month, first come first serve basis. most cardmembers already hit the threshold by middle of the month, so any petrol pump may or may not get any cashback.

read more details of this card's T&Cs

HLB Wise's high entry barrier due to stringent application processes/policies. furthermore, you are limited to 3 spending categories (MCC dependent).

yeah, happened to me on 2 separate months liao 1 month cuz i miscalculated my monthly spending (>1k), and this month due to motortakaful renewal (~1.4k).

still ok for me la since i'm not managing multiple cards anyway and no need to own more than current mbb2card

once my spending is expected to reach >1k/mth, for sure i need another card to reap better rewards.

wise+amex+watami is a great combo, esp watami's 0% BT can be used to spread wise/amex outstanding

The only tedious problem is the insurance. Etiqa accepts amex via phone call only, so you need to call every month to renew. Do call them up for info.

Your GE, most cards don't give you anything better. Even with insurances, u only hit 1k/mth, then no point getting watami.

The rest, you can rearrange your preferred merchants who accepts amex

even if the IVR menu doesnt list out, sometimes, pressing 0 (zero) will direct you to a human to answer the call.

that is what i did when i fed up pressing the IVR options, and most freakin' annoying is the call just cut off for no reason.

in any IVR "page", i'd just keep trying my luck pressing 0. some page accepts it, some will just ignore and ask you to make other selection.

Benefits:

• No Annual Fee with no conditions attached.
• Umrah Trip. One weekly Umrah winner (package for 2pax) will be selected to win an Umrah package (for Muslims) or holiday package (for non-Musilims) – non exchangeable / transferable. Every RM200 retail spending in one single receipt entitle for 1x entry. Campaign starts 1st August 2014 and ongoing. Winner selection will be done every six (6) months.
• 5% rebate on petrol and groceries on Friday and Saturday, capped at maximum of RM50.00 per customer per month (Principal Cardmember only)
• Charity Fund. With every spending the Bank will contribute 0.1% for charity purposes.
• FREE Maybank Touch ‘n Go Zing card
• TreatsPoints. Every RM1 spend locally and overseas earn 1 Treatspoints

not a bad addition to existing MBB2card users here.

1) use existing TPs to quickly offset the GST (i presume this is allowed/can be done). generate 5X TP from Amex, use it for ikhwan-i cards

2) additional RM50 cashback (petrol + groceries) for Friday & Saturday. Combine with mbb2card amex, 5% cashback for 3 days (Fri, Sat, Sun) to cover Petrol & Groceries

3) based on the T&Cs, Maybank has the absolute discretion to determine the category of the merchant (petrol and groceries). possibly this is based on MCC?

More readings below:

Maybank Islamic MasterCard Ikhwan Gold Card @ min. income RM30k pa
Maybank Islamic MasterCard Ikhwan Platinum Card @ min. income RM60k pa

CashBack T&Cs
Product Disclosure

strange, that's not what the CS told me

CS specifically told me any approved cards prior to 9 July will remains with RM50 GST.

I presented my scenario to CS: although my GST already charged back in Feb 2014, come next year and following years, my GST will be perpetually RM50.

agreed

still couldnt find any official notice/announcement to this change.

either mbb keeping mum about it or was waiting for today's OPR news first

wahhh paiseh paiseh

always a pleasure reading Gen-X's articles about CCs.

not to forget credits to the original posters (starting from post #336 who gotten the call from Maybank or dug out the PDS/T&Cs too.

from here, all hell broke lose, even waking up the slumbering Gen-X

true for those who always max Amex out quite a burden to those with small spending

alternatively, can get MasterCard Ikhwan Card-i which gives 5% Cashback (Fri & Sat) but only 1X TP. I guess still better than forced to pay RM50 for the disappointing Visa/Mastercard from mbb2cards. Cant cancel it without cancelling both combo cards.

This post has been edited by cybpsych: Jul 11 2014, 08:29 PM

primarily on base pay (wage)

but if your allowances/claims are consistent every month, banks may consider it as constant stream of income. better if these allowances/claims are printed on your payslips.

The link is for EzyPay, where 0% instalment setup during transaction. It's dependent to the merchant that participate Maybank ezypay.

Ur notes below, is conversion to instalment after sales, called EzyPay Plus. There's additional fee of 9% p.a. Read thru the t&CS in website.

guideline already been there for months now

http://gst.customs.gov.my/en/rg/SiteAssets...uary%202014.pdf

the MCC is between the merchant itself and the bank. it has nothing to do with us/consumer.

problem starts when bank's card promotion requires specific MCC to qualify.

only way is to contact the bank itself after each transaction. the bank will capture the MCC, but not disclosed to us (again, not mandatory to publish it).