btw the treatspoint given if you spend on Amex Reserve is verygood....every ringgit you spent doesnt matter in oversea or local will get you 5 points... if you calculate this and convert it into ringgit...

means everytime you spent you get 2% back in Treatpoints accumulation...

Amex Reserve focus more on airmiles accumulation for travel junkies....

But if you guys not into travelling, the visa infinite co card is good enough as it gives priveleges under golf and fine dining offers....

SO this co premier card gives you the complete package lifestyle of highly affluent ppl that prioritize travelling, golf and fine dining

annual income not reach, cant apply else its best for collecting enrich point

one must be ultra rich to pledge 180k cash     

I've never submitted any income documents to Maybank before.

Pledged RM20K for MBB2 cards, then RM50K for VI

Now applied for this card which was approved without issues, and didn't have to sign any document/stamping etc. like previous.

So I think if you offer to pledge RM50K is sufficient ...

Both times 1:1, did the same with Citi and they also give 1:1

Before needed to pay the stamping fee and sign some papers - this time nothing required

do you know if online transaction considered oversea use? like amazon / any charges in other currencies.

Wah...then good deal hehe....don't want to change to mbb2 premier and change back again.....mafan..if keep also the rm800 annual fee too high