Agreed! Whilst many other companies have stepped up their game, MBB seem to be regressing.

My experience with the waiver is as follows. I knew my card anniversary waa some time in June, so I called CS in May to confirm if I had hit the 50k (just to double check). They were very blur and couldn't confirm the actual date the fee would be charged, or if I would be eligible for waiver. So I ended up calculating myself by going through my past statements. In June, the fee popped up in my statement but was auto reversed on the same day.

I've put a reminder in my calendar to cancel my card next year, as the 5% cashback, while nice to have, doesn't justify the fee or hassle. Sticking to my trusty combination of AEON, HLB Wise, PBB VS (+2 supps), CIMB CR (+2 supps) UOB Vox and UOB Lady's. Those are generally low maintenance and give me sufficient cashback to cover my spending patterns. Pity none of them cover petrol, but I can live with that.

Do you mind sharing total spend excluding the balance transfers? What BT plan did you sign up for? The recent 1% promo? I didn't know BT is counted as part of the RM50k spending requirement. Last year mine was automatically waived too because I paid all my property service charges and insurance on this card and hit about 75k. However this year I transferred everything to HLB Fortune, and don't think I can even hit RM10k. Thanks in advance.

Thanks for your very very detailed sharing.

I think I'll just give up my Maybank VS this year. I also use about RM500 per month on petrol and groceries, but I've got other CB cards to deal with groceries, and can always get Ikhwan for petrol and just manage timing better.

It was good while it lasted! But without any benefits apart from the 5% cashback, its hard to justify holding on to this card.

Wow that's pretty amazing. Thanks for sharing experience. I always just assumed that MBB very strict. I will try it out, and if not, will look for alternatives.

Yes I've done it several times (last one was a couple of weeks ago), and MBB CS have never given me any problems or even queries regarding it. They don't even ask why.

I am unsure what you mean by "not good practice". If the banks do not complain or prohibit it in the T&C, then it shouldn't be a problem.

Yeh, I agree. I apply for cards to maximize their benefits, but if AF too high or non-waivable such that it outweight the benefits, just cancel and apply other cards since the market is always changing. Anyway, good things don't last forever as we have seen with recent claw back on cashback cards, so its always good to take advantage when the opportunity arises.