QUOTE(shiroikun @ Jul 16 2015, 05:09 PM)
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
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....
QUOTE(fruitie @ Jul 16 2015, 05:11 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.

Yes, take 1st and worry later.
This card so far I swipe for my parents and relative a lot.