hahaha, I thought you were the one who give me the link on where to use the Voucher when I asked last time. The voucher has a code and I guess when you book the MAs Holidays just have to enter the discount code.

yes, we can use EM to redeem for stuff like credit cards.

i just get the voucher and i see the voucher doesn't seem have a code..
just a simple 4 digit serial number.. like this i can just try my lucky and enter the code?

Go try and report back Or if you can get MAS Holiday's Contact Number, call them and ask.l

Bro, just for the heck of it, I did some comparison between Credit Cards versus Bank TT versus Money Changer (Mid Valley) vs Spot Rate

From the attached image:

AUD/MYR Spot Rate on 22 December 3.30pm - 2.8385

AUD/MYR Bank TT on 22 December 3.35pm - 2.8897. Diff between Spot Rate 1.8%!

AUD/MYR Money Changer on 22 December 3.32pm - 2.892. Diff between Spot Rate 1.885%!

Right now AUD/MYR Spot Rate - 2.8342, down from 3.30pm

From above example, better to TT because we get discount off the bank's official rate when converting more than RM20K.,


What about Credit Card? From Money Master website, i.e. Money Changer at Mid Valley, on 12 December, AUD/MYR 2.935

Well, I did 2 transactions on 10 Dec and both posted on 12 December.

AMEX RESERVE AUD/MYR - 2.99. Diff versus Money Master - 1.87%
MBB VI AUD/MYR - 2.98. Diff versus Money Market - 1.53%

So from the above, using MBB VI or MBB AR credit cards we are still paying more BUT not necessarily 2.5% extra for AUD/MYR case (for USD may be a complete different story as Money Changer Rate very close to Spot Rate) because no way we can get Spot Rate.

This post has been edited by Gen-X: Dec 22 2014, 06:52 PM


Attached thumbnail(s)

After i read through all the post, conclusion is it will be faster to get application status if we apply in card centre rather than branch. Currently holding MBB2Card gold. Now working in Singapore, so i think it will be easier for me to achieve 80k spending and collect TP as my spending is in SGD

p/s: Plan to get iP6 next month, so it will be better to get the card to swipe for ip6.. the TP is yummy..

This post has been edited by chicken12345: Dec 22 2014, 06:53 PM

Hi captain.

I was asking him because he asked cash or cc is better.

For me it will be cc.

1. Even with 2.5%, I am still better off with business class seat redemption via Enrich Miles. Say I want to fly to Japan which cost 34000EM plus tax which MAS is selling at 4k+. This will require MYR30600 spending and if we benchmark with 2.5%, I am only paying 700+ plus tax for a 4k+ seat. If there is promo it would be even better.

2. With money changer you are also buying the currency ahead. Example recently I bought 100 TWD at rate of >11.5 MYR. TWD dropped during the trip and VI charge me around 11.4 MYR for 100 TWD.

I guess we just have to accept that there is a small degree of surprise element when we use cc oversea. Whether good or bad it will be just pure luck

Yes, if RM happens to strengthen while we overseas and use our CC, that's the best

Bro, I went and did the comparison because I remembered when I transacted with my AR and VI in December, AUD/MYR spot rate was already 2.8xxx and I was surprised to learned I was imposed 2.98/2.99 for my transactions posted on 12 December (which is more than the rate I TT back in August 2014).

Anyway, by doing the comparison, I can tell myself that I am only "paying extra" of around 1.5% to 1.8% instead of 2.5% like what is stated in MBB T&C, haha

Please pm me too her phone number.. Thanks

Ops.. saw ur reply...

This post has been edited by chicken12345: Dec 22 2014, 09:27 PM

are you prepare to have exchange rate 2.70 and above?
if you change money at money changer from SGD to MYR, the best rate now is 2.63
you still to fork out 0.07++ every RM1...
RM80k mean you will fork out RM5600 for only 400000 TP
you need to calculate whether will it worth it for the TPs..

if you convert to Enrich Miles, then still worth abit...
but if you exchange for voucher, i don't think it will be much worth compare to you getting a CC in Singapore..

Thanks for ur reply. I'm just looking for enrich miles or krisflyer. Won't go for any voucher.

Just one question, if let say I ask the merchandise to quote in sgd, the bill will still reflect as rm right?

It depends whether the merchant does settlement with a DCC acquire or not.if they do, you will be charged instantly in ringgit.

hey guys , just applied not long ago and got their msg that my application has been approved. May i know they will send the cards to my home address or have to collect at their branch ? how long would it take usually 1-2weeks ? .. thank you

Hmm.. after consideration, Ambank WMC would be another good option instead of Premier2, as WMC forex exchange rate & the charge are better. However, the conversion rate for Enrich point is 5TP to 1Enrich compared with 4.5TP to 1Enrich for Premier2.

Something to consider...

Hello all!

Any news if maybank going to extend its dining privelege? Havent had a chance to dine anywhere yet.

tried a transaction with AR in Singapore, rate 2.713

The dining privileges is until 30th June 2015 as per their website so you still have plenty of time. I think they will most likely extend it again.

TT rate is 2.6745. This is an extra 1.44% charged. Considered quite OK?

mastercard : 2.64

visa: 2.647

not as OK as i would have liked

this rate is before 2.5% charges from Visa/Master/Amex?

Before. Looks like spot rate to me though. With commission, the rate is around 2.72 for the past week.