if your primary reason to get a 2nd card for shopping, perhaps Citibank Rewards/Cashback cards would be better?


Since your Wise already maximized, it's hard to "downgrade" the benefits to other cards This is the only card that gives >5% cashback, and since your spending behavior already adjusted to meet Wise's benefits, it's better to keep it. Unless, of course you planned to STOP using Wise (about 2 months earlier) and cancel it due to high AF for Wise Platinum.

Keep your current Wise for your usual petrol + mobile + dining spending. Please cancel the AMEX Gold.


M2C Amex is the better card to complement Wise. Limitation to M2C Amex is the 5% cashback only limited to weekends transactions. Moving Wise to Amex means you need to swipe all your usual transactions exclusively on weekends.

'sides, M2C has signup promo with RM100 rebate (note: 2x RM50 GST is currently imposed to new application). This is literally ZERO commitment for year 1 considering M2C has no AF. Furthermore, most likely, current credit card GST could be abolished by 1 Apr 2015. Let's hope Maybank doesnt introduce AF for M2C (which will be taxable at the rate of 6% GST next year).

Motortakaful/Etiqa online never accepted amex wan. probably outdated page/form.

jpj kiosk accept amex though, but since jpj office doesnt open on weekends (if i'm not mistaken), can only earn 5xTP. better than nothing.

didnt you highlighted this back in October?

back in Jan 2014, someone went to Yong Shook Lin MBPJ payment counter and paid using Amex.

nope, doesnt accept amex as well.

this one-liner is not helping anyone.

paid via online or call to Etiqa? using Amex? how would you know you gotten 2X TP since you just renewed it?

https://www.posonline.com.my/ or https://payonline.uob.com.my/

AMEX not accepted on both, so read the T&Cs/FAQs fully (e.g. POSonline has this 2% will be charged upon credit card usage)

for easier tracking, yes, just pay the statement balance, each card.

not to worry the -RM8.19. even if you pay the full statement balance, it will be normalized once next statement is out.

Yes. Swipe ur Amex card anywhere that accept Amex during weekends.

check some of the listing here https://forum.lowyat.net/topic/2819336

not sure if those are still accepting Amex.

did that. the only benefits is prettier cards i dont need those extra benefits though.

from Gold to Plat, need to fill up forms/submit income documents at card centre. i did it at MV/Gardens maybankard centre.

The Great Maybank Sale Campaign Winners full list is out

http://www.maybank2u.com.my/WebBank/GreatMbbSale-Win.pdf

Sale Item - Buffalo Smart Cooker (A1)
Sale Item - Samsonite Asphere Spinner 55/20 (A2)
Sale Item - Smart Tag with preloaded Touch n’ Go Card of RM700 (A3)
Sale Item - Samsung 40” Full HD SMART TV (B1)
Sale Item - Samsung GALAXY Grand 2 & GALAXY TAB 4 7.0” (B2)

my Gold's GST was charged on Feb, but I upgraded to Plat on Apr. No GST charged after upgrade.

no, GST is not imposed to your account balance (e.g. savings or FD or CC)

GST only imposed to goods or services, hence any Annual Fees or whatever fees (for services rendered) will be taxable.


This is why it's a good time to get M2C now due to no AF and RM50 rebate.


One question remains: Will banks forced to introduce AF to all CCs? considering M2C has no AF, will MBB introduce AF after 1-Apr? This, we dont know.

This post has been edited by cybpsych: Jan 13 2015, 08:44 AM

actually the GST guideline for banking/financial institution already stated it clearly what is taxable and non-taxable.

questions remained uncertain on what the banks will do to their cards. on one hand to increase card usage/spending, on the other to curb excessive debt/overspending due to cards.

i wonder BNM will intervene later

Visa Online Shopping Campaign
15 January 2015 - 14 April 2015

Terms & Conditions

read the T&Cs? http://www.maybank2u.com.my/WebBank/loveCb011014_tnc.pdf

also, 100% cashback promo and 3X swipe promo (new signup) are two separate campaigns.

since T&Cs already there, havent you read thru?

Hint: Section 4.1