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Credit Cards Maybankard 2 Gold & Platinum Cards V12, TP inflation,400TP=RM1 starting 1 May 15

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victorywp
post Feb 18 2015, 10:45 AM

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QUOTE(kart @ Feb 18 2015, 05:34 AM)
So, the hotel accommodation (3 choices of hotel) is free of charge, and without hidden charges or, terms and conditions? RM 800 or RM 1000 is the value of the free hotel accommodation, not the price we have to pay at Palace Vacation Club?

The brochure states that you must come with your spouse. I am single, so can I come instead with my sibling, or one of my parents? Look like I will be disqualified due to this. 

It is so hard to believe that we can get free hotel accommodation, without buying anything at Palace Vacation Club. If it is too good to be true, it is usually not.
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yes, you need to bring your spouse along. why hard to believe? actually besides this golden horses, i also get other vacation club invitations and i got to stay at the sepang gold coast for free, best western hotel for free, etc. golden horses also i stayed few times for free already. lol...

QUOTE(LostAndFound @ Feb 18 2015, 10:25 AM)
Yeah zero cost, but its only one night. You pay parking, normally.

No hidden charges. The real charges is that you waste your time 2 hours or more listening to them. Don't believe the 1 hour nonsense.

I took a few of these talks, in the end I don't feel worth it as one night staty is more mafan than holiday. Prefer my house. In the end the supposed value of the room is RM 800, so what? My house more comfortable, no need go through jam, pack stuff for a trip. Better give me free spa =p
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the first time i hear, yes it took more than 1 hour. but the second times onwards, it took less than that. because you already learn their strategy and you know how to overcome it. lol...
victorywp
post Feb 18 2015, 10:48 AM

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QUOTE(Alec.Yong @ Feb 18 2015, 08:57 AM)
Finally I've redeemed all my Banking TPs .... tongue.gif

BTW, the traffic was smooth, all the way from my office to One U... tongue.gif  drool.gif
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instead of reporting the traffic, you should be reporting whether you can use your debit card and successfully deducted your banking axcount tp first? already forgotten your purpose ka? laugh.gif
victorywp
post Feb 18 2015, 11:48 AM

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QUOTE(raptor_cZn @ Feb 18 2015, 11:35 AM)
Guys, wanna ask a question.

Let's say that you have never used the Visa/MC card before, only the AMEX one since the day you got the cards.. will you be charged the RM 50 service tax on the Visa/MC card?

Something strange is happening when I logged in m2u to check. It seems that there is a RM 50 service charge on my AMEX but on my other card its still 0.. no statements since I have never used it at all  unsure.gif
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yes, any cc (even non-activated) also will be charged with gst.
victorywp
post Feb 18 2015, 12:55 PM

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QUOTE(karl7077 @ Feb 18 2015, 12:39 PM)
All sifu, just received this 2 card, can I activate only 1 card(visa) instead of 2 becoz dont want to pay additional RM50
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you have to pay the rm50 even if you did not activate it. if you are just concern about the gst, why not apply after april?
victorywp
post Feb 18 2015, 12:57 PM

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QUOTE(kazekage_09 @ Feb 18 2015, 12:41 PM)
I see.. so i missed the opportunity already. With the inflations and other more, will maybank 2 cards still be the best cc? I just found it not that attractive anymore lol
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still good for weekend transaction 5%. although devalue, but 1.25% still better than many other cc.
victorywp
post Feb 18 2015, 01:43 PM

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QUOTE(karl7077 @ Feb 18 2015, 01:11 PM)
So i need to pay RM100 gst although not activate both card
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yes, the gst is charged (by gov not bank) once your cc is approved.

QUOTE(endau02 @ Feb 18 2015, 01:13 PM)
thinking of garmin dvr.. looks not bad.

can i redeem gst 50 bux now where my gst comes end of the year?
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cannot, you may redeem for past gst (if you have not redeem yet) but not for upcoming gst.

but perhaps no more rm50 gst for cc after april.
victorywp
post Feb 18 2015, 03:33 PM

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QUOTE(raptor_cZn @ Feb 18 2015, 03:31 PM)
I have a similar question to this.

What I notice now is that there is a RM 50 Service Charge posted on the 15th this month. While the other card there is nothing yet...

Want to know also usually when the service charge is posted, will it be at the same time for both cards?
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ar you a new 1st year user or 2nd year user?
victorywp
post Feb 18 2015, 11:34 PM

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QUOTE(apitzhnu @ Feb 18 2015, 11:16 PM)
Just check wif them, aiya they mark up 5% before u can redeem it via TP

I'm planning to redeem my TP durng PC Fair next week which fall end of month (28th FEB)

Since it just one day before 1st March, is it adviseable??
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usually merchant mark up 5% only if you choose to pay under 0% ezy payment scheme.

i think no need take the risk to wait til last day la, go redeem your tp elsewhere.
victorywp
post Feb 19 2015, 09:29 AM

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QUOTE(aijiet @ Feb 19 2015, 01:18 AM)
RM0.00 Maybank Cards: Keep winning RM500 & RM100 Shopping Money repeatedly for your daily spending! SMS SUPER<space>12-digit NRIC Number to 66628 now! T&C apply

Anyone register for this??
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wah, new promo again! great, will check the t&c when free.
victorywp
post Feb 20 2015, 08:34 AM

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QUOTE(David83 @ Feb 20 2015, 07:50 AM)
On the spot redemption? Or vouchers?
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from the way he wrote should be ots i suppose.
victorywp
post Feb 20 2015, 09:13 AM

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QUOTE(BRY7 @ Feb 20 2015, 09:07 AM)
I'm wondering if I should upgrade to the M2Premier now after this round of inflation.

Any suggestion?
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if you earn 180k pa and air miles is more important than 5% weekends cb for you.
victorywp
post Feb 20 2015, 09:26 AM

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QUOTE(BRY7 @ Feb 20 2015, 09:19 AM)
To be honest, I rarely use the card as I'm working overseas. So I'm only using the card when I'm back in Malaysia. How much is the Annual fee if the cardholder doesn't manage to spend 80k a year?
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rm800
victorywp
post Feb 20 2015, 10:04 AM

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QUOTE(BRY7 @ Feb 20 2015, 09:48 AM)
Is the 80k/annum combined spending of Principle and Supplementary or just Principle?
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i was not qualified to answer you. lol...

maybe you can find the answer in mbb2premier thread or ask any question there: https://forum.lowyat.net/topic/3135958
victorywp
post Feb 21 2015, 06:37 PM

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QUOTE(DarReNz @ Feb 21 2015, 05:56 PM)
that day I just went to parkson and said I wanna redeem vouchers, the guy straight away say maximum I can redeem is RMXX without me asking I want how much hahahha

a lot of ppl must have redeemed as well anyway they still have lots of vouchers at pavilion
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max at parkson pavilion is not rm500?
victorywp
post Feb 22 2015, 01:48 PM

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QUOTE(janson_kaniaz @ Feb 22 2015, 01:04 PM)
will vouchers like aeon be affected by GST? I'm thinking whether to buy next month or after April. if I buy after April, will I have to pay for GST? otherwise, I will buy with amex next month. not sure getting 5% rebate after gst is worth it anymore since the GST will be 6% sad.gif
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sure affected by gst, so buy next month better.
victorywp
post Feb 22 2015, 03:38 PM

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QUOTE(hidayat14 @ Feb 22 2015, 03:27 PM)
i have one question about the current balance transfer promotion for maybank2ard

i have one citibank platinum and older maybank2ard gold card. i am planning to do balance  transfer on both card to my new platinum maybank2ard. can i do that?
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citibank to mbb yes. mbb to mbb no. can't bt within same bank.
victorywp
post Feb 22 2015, 03:46 PM

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QUOTE(Human Nature @ Feb 22 2015, 02:29 PM)
I don't think there will be a 6% GST when we purchased the shopping vouchers. It will only be imposed when we use the vouchers to purchase items, else there will be double taxation.

Or am I missing something?
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oh ya, he was talking about cash voucher. because recently i was very much bothered by this gst thingy as it's getting closer. i won't be able to use my mbb2amex to reload into my tng card on weekends and use the tng card to pay for my items on weekdays already, as it would cost me 6%+6%. sad.gif

This post has been edited by victorywp: Feb 22 2015, 03:47 PM
victorywp
post Feb 22 2015, 09:00 PM

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QUOTE(janson_kaniaz @ Feb 22 2015, 05:29 PM)
that's the thing. are you sure reloading will be taxed?

not just tng, any card with reload option like starbucks. i heard it won't be taxed.
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oh ya, you are right again. i know starbucks card and all won't be taxed. buy i have forgotten about tng card too (stupid me). the toll/other merchant will charge the 6% so reloading the credit to the card will not. lol... thanks for the reminder.
victorywp
post Feb 22 2015, 09:09 PM

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QUOTE(adele123 @ Feb 22 2015, 08:12 PM)
got my card in march 2014. gst got charged in may 2014.

checked feb 2015 statement, gst got charged. i guess good news, before points inflation though earlier than expected.. lol.
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you are lucky to have it posted on feb so you can redeem your tp based on the rate before fluctuation. very lucky.
victorywp
post Feb 22 2015, 09:16 PM

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QUOTE(David83 @ Feb 22 2015, 09:01 PM)
But I remembered that toll charge is GST exempted.
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if toll charge is exempted from gst, then reloading tng card surely won't be charged by gst either. yeah!

QUOTE(janson_kaniaz @ Feb 22 2015, 09:04 PM)
I just hope someone can confirm that shopping vouchers won't be taxed smile.gif
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yes, shopping vouchers won't be charged by gst. even if you purchase voucher, for eg. at tesco, they won't allow you to use clubcard to collect point, stating the reason that you will get double point if they allow. so you will only get the clubcard point when you use it to buy things. with the same rules, gst won't be charged when buying vouchers, but when you use it to buy things.
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