QUOTE(Gen-X @ Oct 23 2014, 05:41 PM)
Bro, just sign up for it and enjoy for maybe 11 months 5% cash back. a month before anniversary go beg for annual fee waiver. If they not willing to entertain you, go convert TP to cash and cancel the card

Imperative that there is no outstanding balance and do not use the card after anniversary date.
Thanks for your advice Sifu. Already got the Card and registered for the 100% CB. Going to ask my wife to line up at various Merchants to swipe at 10.01 am.
The Card looks good, better than other CB for Petrol and Groceries in the market at the moment.
just wondering whether I should transfer my spending from other cards like OCBC to satisfy the RM50K spending requirement.
My other retail spending can reach RM40K per year = RM400 cash back
Petrol and Groceries perhaps RM12K to RM15K = RM600 to RM750
But if convert 40,000 RP to Cash, still get RM160 (compared to RM400) but get to enjoy the RM600 to RM750.
What do u think.
Also concerned if accumulate RP, Maybank pulls an Alliance trick on the RP Conversion. Kena Slash by 50%, sure to curse and swear