Today receive a call from CS, she explain to me how to spend in order to eligible for the free air miles, which I sent a sms few month back, something like spend 50k for 15k airmiles.

Then I ask her, are you calling to congratulate me for winning that? She say no, she calls to explain how am I going to spend to make myself eligible for it, LOL

Before hang up, she ask if any of my friend want to sign up new card, can call her.

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..

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..

Just received both cards yesterday. Applied at Gardens Centre with documents and approved after 2 days. Overall a smooth and fast process considering its a new application.

Hope they extend the Starwood privileges as I regularly dine there too.

New cards for a new year 

5k pledge is the lowest we've heard here. congrats

are you a "privileged" customer at other banks? just curious

good to know    i din't expect your answer to be so detailed. haha

Besides this 5k FD pledge, are you already having other FD pledge in Maybank?

That's a super good deal.

update my application
13-January - submit all application required documents
20-January - bank approved my request to apply card with FD
28-January - i received the letter
29-January - bringing the letter to maybank branch, tell them i want to pledge FD for credit card

so far process quite smooth, only the approval letter they use normal post so i arrive at my house after a week. I need to pay RM10 for stamp duty because i pledge the FD against credit card.

i got the latest islamic FD promotion, 4.13% p.a.

this is how they calculate:

months  rate
3  3.38%
3  3.58%
4  3.78%
1  5.28%
1  8.28%

so if we divide the rate into month, and add up together will get 4.13% as return, but actually the effective return is slightly higher: 4.1969%

meaning to say, if you deposit RM10k, after 12 months will get RM419.69 as total interest. But this 1 is not upfront interest.

FD need to pledge at branch, saturday i believe no branch open. This FD pledging cannot be done at card center.