mind to share your cs contact? might want to apply 1 soon.

thank you.

I supposed you pledged FD for VS? Or you didn't eventually and got it?

Nah.

Got a huge loan with them under my name.

Decided to ask for it nicely from the person handling my case.

Since I am an existing user for their financial services, my paycheck goes through there and etc, they gave it to me in the end

Just in time for the M2C revision.

Good for you.

My loan is not with them though my salary goes to them.

Anyway, I will not pledge for FD unless it is really necessary, let's see how it goes later.

Those cards with high amount of annual fee, don't think it's a good choice to pledge FD as you only can enjoy 1 year benefit and it will trouble you when you want to cancel the card after a year because they won't waive the annual fee for you

Honestly, they ain't too fussed about giving me the VS.

It's me who is hesitant to proceed as the AF seems hefty and I don't think my spending does reach 50k P.A. for auto waiver

But seeing how M2C removed the 5%, might as well take it and worry about AF next year

But you get to enjoy it one year. Imagine if you could maximize the cash back and get RM 88 per month, one year already earned RM 1056.
Minus the AF of RM 800, you still earn in a way.

you need to max every month CB only able to get the extra RM256 for a year.... not easy to get that RM256.

Additional, if you pledge FD you only enjoy the board rate which 3%+ p/a which I know not worth it as there are plenty of FD rate >4% nowdays

This post has been edited by shiroikun: Jul 16 2015, 05:10 PM

If I get it, I will say take first and worry later.

I'll ask my colleague to apply one since MBB2Cards no longer has any benefits. She is an expatriate and earns >120k per annum. I can suggest this to her.

This post has been edited by fruitie: Jul 16 2015, 05:12 PM

alright....

3,3 for 12 months

0.3% for 20k is a lot!

That's 1 week worth of meal for me.

Plenty are above 4, but even if 4,3 interest rate, you only get an extra RM 200.

But if you maxed out your CB for VS, you already got RM 1056 (256 after AF 2nd year) in comparison....

Yes, take 1st and worry later.

This card so far I swipe for my parents and relative a lot.

Life for the sake of swipe to swipe will be over for me soon

when it come to over then u will know how to earn more n spend more....

has anyone here managed to get public bank VS but got rejected for MB VS?

currently having 5 cards but I need a card for petrol since mb2cards will have the rebate reduced to dining only for Amex.

vs af is rm550. vi af is rm800. Both need to spend 50k for auto waiver.

Ok, I mixed it up then can earn more.

For Wise card Petrol 10% cash back, i always swipe at pump, never swipe inside - if swipe inside wont get CB right?

How about this MBB VS petrol cashback? Swipe inside also can get CB or must swipe at pump outside only??

only hlb wise have the rules to swipe outside to be entitled for the cb. it's because of its high 10% cb given.

So do mbb offers free access to Green Market KLIA2?

why not you ask in this thread for all your ppl/tgm enquiries? https://forum.lowyat.net/topic/3611150