Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Maybankard 2 Gold & Platinum Cards V11, Pls read post 1-3 & use Search Topic 1st
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 Oct 16 2014, 11:32 AM
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#1
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Junior Member
440 posts Joined: Sep 2013 
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Dear sifus, regarding the treat points, if lets say I bought a RM2500 thing one time using Amex,
1. Means I can get 12500 TP, and hence able to waive the GST? 2. 12500 TP can only waive the GST for Amex card, but not included the Visa? (I am new user) What does it takes to waive GST of both cards (RM100)? |
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Oct 16 2014, 11:56 AM
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#2
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(Human Nature @ Oct 16 2014, 11:43 AM) you may use the points to redeem the GST offset. if you would like to redeem for both RM50 + RM50, please refer to the treatpoints catalogue for the amount of points needed.the catalogue is listed at maybank's website.  QUOTE(victorywp @ Oct 16 2014, 11:52 AM) the tp is shared, if you have enough 25k tp, you can redeem for both gst rm100. Oh means 12500 tp x 2 = waive RM100 right??This post has been edited by akh2920: Oct 16 2014, 11:58 AM |
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Oct 16 2014, 12:00 PM
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#3
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(Human Nature @ Oct 16 2014, 11:58 AM) Ahhh yaya i've just noticed my mistake  my bad hahaOk I will refer to first table. Thanks!!  |
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Oct 28 2014, 09:11 AM
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#4
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Junior Member
440 posts Joined: Sep 2013
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Guy, I've just applied for mbb2 cards and just got approved
 Just wondering am I stupid to apply this after they increase the GST from RM50 to RM100? is it still worth?  |
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Oct 28 2014, 09:26 AM
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#5
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(David83 @ Oct 28 2014, 09:19 AM) Where or how you applied? Self application online? Card center called me (because i have an existing saving account). I just confirmed via email and give them my mailing address, and thats all..Actually it was second time already i received the call, first time GST was still RM50 but I rejected |
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Oct 28 2014, 09:58 AM
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#6
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(David83 @ Oct 28 2014, 09:40 AM) I see. Yaya actually I got first year waiver too Too bad if you applied through the roadshow booth, you may get GST waiver for first year.  But then still second and third year i need to worry about collecting points to waive the GST, since this is not my primary card and the annual usage might not be a lot... |
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Oct 28 2014, 10:58 AM
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#7
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(adele123 @ Oct 28 2014, 10:53 AM) Worry about the GST 11 months later. My other card is hlb wise card, that's why You will realise that… slowly, this mbb2card will be taking up a lot of your spendings. Bill payment, supermarkets, departmental, petrol. Unless you other card is hlb wise card or something else. Plan to use mbb2 card for miscellaneous spendings which is not covered by my wise card cashback category (especially some occasional but relatively big one such as car service)... |
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Oct 28 2014, 11:46 AM
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#8
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(supersound @ Oct 28 2014, 11:36 AM) What categories you choose for that STUPID card? If you choose petrol and groceries, it can make money for you. Each month I'm buying 10-15 bags of 2KG Milo and sell it back to coffee shops at rm30-31 Your prejudice ahh.... really  Not to mention 2.5KG Top which doing the same also. STUPID card only good on covering 3 categories, nothing more than that, so you still need another cash back card to cover everything. Once you are using MBB's dual card, with the cash back and TP that can change to cash vouchers, you will find out that it is actually better than STUPID card.  I choose petrol and groceries, besides default mobile category. Per month, I personally spend around RM600-700 of petrol, RM100++ on mobile, and RM100 on groceries. I reload touch n go using WISE card too (at mydin, around RM100 per month), under grocery category. Almost every month, I fetch my friends (who dont have transport) to go tesco/giant buy daily stuffs together, and use my card to pay first (extra RM200). Hence, my monthly cash back easily reaches the max cap RM100 per month. I need another cashback card to further maximize my cash backs, for those missed chances such as car service, weekend dining/entertainment, and so on. Hence, WISE+mbb2 = RM150 cash back per month. WISE card is indispensable for me, if compared to any other cards. This post has been edited by akh2920: Oct 28 2014, 11:47 AM |
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Oct 28 2014, 12:07 PM
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#9
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(supersound @ Oct 28 2014, 11:56 AM) Yup, STUPID shall be swipe rm990-1000, nothing more, nothing less. Yup, I would limit myself to swipe the card not more than RM1000 (for cashback categories) because reaching the cap, any further usage I would use second card instead (my MBB or UOB ONE) to maximize my cashback amount. (cheapskate right? Your utility bills also can use MBB to pay(except water and IWK) And T&G no such thing as around, either rm100 or more(rm50 they won't accept card transactions) BTW, I'm not prejudice against STUPID card, is I fed up the way they deny a cash back, like petrol cannot use counter and dining always having different MCC Worst case for me was, even swipe in the pump also can't get cash back )If I didnt remember wrongly, u are facing issue because u use it at oversea right? At local macam no people complaint also, myself didnt face any cashback problem so far... MBB2 is good, its just not as good as WISE because of lower cashback cap (by half), only on weekend, and Amex is still not as widely accepted as visa/mastercard... Nevertheless it is a very great second card. This post has been edited by akh2920: Oct 28 2014, 12:08 PM |
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Oct 28 2014, 12:27 PM
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#10
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(supersound @ Oct 28 2014, 12:13 PM) Local also got, it just never ends. My highest record was a transaction took me 9 days to posted and I missed the cash back, the merchant even got the money on third day I pumped petrol Fulamak sorry to hear that, 9 days is a lot... It could ruin one's spending plans. Mine so far maximum 2 days only... Not sure if u are one of a very few unfortunate ones So now my transactions done before 20th. Anything done before this they are very fast to post it, but after 23rd, it will be slower. Just try to swipe your STUPID card at Aeon/Jusco and see does your statement still stands. Aeon/Jusco's supermarket's MCC are under groceries(the right MCC for STUPID) but yet you still can't get cash back. Like Seremban's Jusco are not entitled. Luckily I dont like Aeon/Jusco, and prefer lower-class/cheaper places like tesco, giant, econsave, and mydin... This post has been edited by akh2920: Oct 28 2014, 12:28 PM |
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Nov 26 2014, 12:13 PM
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#11
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Junior Member
440 posts Joined: Sep 2013
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QUOTE(kinabalu @ Nov 26 2014, 12:12 AM)  I love Debit everyday Get rewarded when you spend minimum of RM200 with your Maybank Debit cards now. Enjoy 10% cashback on all payWave transactions cap at RM30 per month and also win yourself shopping vouchers! How amazing is that? You surely do not want to miss out on this!  To know better, please click : » Click to show Spoiler - click again to hide... « |
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