infinite should be reduced as well. This card has just been in the market for a short while but the requirement already reduced. Time for infinite to reduce as well. But don't reduce the benefits.

Help people swipe only la.

Collect points lo.

Uncle all want pay cash but lazy want bring so much.

Give me earn a bit lo....

Can swipe at luxury stores also. Easy to reach 30k la. Even 100k is easy per annum.



Have a feeling the benefit will revise after this.

:/

Starwood dining and overseas usage, mostly.

VI got concierge services, can help you get almost anything legal

If reduce, benefits also will reduce.

So cross your fingers and hope nothing changes with VI.

Coz I just put in a request to get a VI from MBB

Doubt they'll give it to me thou. But a loyal customer can hope

But spending for RM30K a year to entitle for 2nd year free of annual fee is a bit harsh.

what if cancel and apply again?

30k is probably achievable for me.

Just to throw some numbers out for fun.

To obtain MYR 88 CB, you'll need to spend MYR 1750 at 5% for 87.50

MYR 1750 x 12 = MYR 21,000 already.

Assuming you have family, a hot gf/bf/spouse, that's another 9k to reach the requirement

30k is reasonable. 50 was tough.

Do 1 time, maybe okay.

Try again next time, probably bank won't approve you anymore?

rm550 of AF translates to rm45.8 a month.
Spending on petrol and groceries capped at rm1750 to get rm88, but by using HLB's STUPID card and lower end Ikhwan card, first rm1000 I got rm100 which already getting cash back more than this, not to mention the second rm750 that will be getting rm37.50, that's rm137.5 in total. With this, already can say this card are not that worth to keep if a person's goal are cash back only.
Now to the TP, getting cash backs but no TPs and even spending local only get 1X TP which worst than MBB's dual card, at least the AMEX still getting 5X TPs on all transactions, again what's the value for this card?
Limited cash back categories, AF, low TP are something will push me out on this card

I don't own a STUPID card and I don't feel comfortable wasting time to hit the swipes requirement.

I travel a lot overseas. Expenditures will be reimbursed, so 5x TP is no problem for me.

Gas is covered as well, so I am not bothered about TP for groceries or petrol.

Ikhwan don't get TP for petrol and groceries as well.

As for Amex, you won't be using it for petrol or groceries, so it's a non factor as well?

Not to mention, Ikhwan has a validity period from Friday to Saturday while VS is everyday can use for CB. Easy to get CB for my petrol expenses.

40,000 TPs = MYR 100 CB to my account.

With my overseas spending, I can rake up points easily to convert back to CB.

This post has been edited by chiahau: Oct 7 2015, 09:57 AM

Aiya, everyone has their own preference la.

Like my case, I travel for business very often. Once every month to overseas but I won't really be benefited for this because I have a corporate credit card supplied by Company that we need to charge business expenses to it. Only my own expenses I will use this VS if I apply for it.

As for my petrol, Company gives me a fixed allowance every month, I use or don't use I have RM 700 every month. So well, just choose whatever is the best for you.

this include Auto debit on insurance, telco bill, unifi right?

Gotta calculate my spending! it abit hard for me to achieve...

I think only thing not covered is BT

The rest considered spending.

how's the rejection rate for this card will be?
since both of our application being rejected by Ikhawan...

yes, boss.
printing out my BE form and heading to nearest MBB branch. or shall i go 1U card centre?

sometime have to help boss swipe for dinner/lunch when customer visits... hope can break 30k in second year, else cancel / suck it up!

Your company very good leh. HR also dapat petrol allowance.

Signatures have to wait 2 weeks either way

Go to nearest branch ba.

And print latest EPF just in case.

Approval rate : no idea. I got mine from MBB direct. They offered since my CL is around 20 region already.

just another "free for first year" benefit in case i cant get waiver or hit 30k

He's asking about VI la.

Not VS

mine was like 2 days. Did in 1u card center.

Mine was because it was offered by the bank.

So they took their sweet time before sending the card over to the manager before the manager pass it back to me.

That was few months ago la, so can't be 100% sure anymore.

Yours different ma. Pledged FD for other cards and took up their loan, they sure treat you well.

Anyway, good for everyone now.

If I get my VI, it shows that they are really good to me lo

Just dropped them my latest EPF, far from 180k but a man can always hope