High chances that they will say no, but I don't think there's any harm in trying. It's just gonna be a 5 minute phone call.

Follow Malaysian timing. If you are aiming for the cash back, posting date does not matter. Refer to the FAQ on the first page.

You are the one who determines it. They will ask you which one you want.

Yup. All new cardholders are entitled to it. Just make sure you swipe both cards 3x within 60 days.

You are asking whether it's more worthwhile to buy the same can of Milo for RM2.00 from Shop A or for RM1.50 from Shop B. It's kind of a silly question, because the two products are essentially the same (an RM50 discount). Why would you not choose the one that costs less?

If you're talking about after 1st April though, that's a different thing. RM50 GST is set to be abolished.

M2U home page -> Quick Link (top right) -> Rewards

Nothing to be lost about, because there really isn't any relation between the two. Inflation happens all the time, so the points redemption amount also has to be refreshed every few years.

AMEX charges 2.5% on top of the conversion rate. Check out the latest posts here to get an idea of how much the overall extra charge will be. For me, the overall admin fees totalled up to about 3.5%. Therefore, it's only worth it if you use it on weekends to get 5% cashback. At least that can help offest the extra charges.

To be honest none of this really matters anymore as the RM50 GST will be abolished once the 6% GST kicks in, which is only 2 months away. I'm assuming that the salesperson is not actual Maybank staff, as the RM50 GST is per card, meaning for these two cards you will have to pay a total of RM100/year. Before June last year, Maybank was kind enough the waive the GST for the AMEX card, therefore you only had to pay RM50 GST for Visa/Master. But Maybank has stopped doing this since.

Calling customer service to ask for a waiver is possible, but it is totally up to the bank whether they want to grant you this waiver (EDIT: seems like Maybank is very strict about not entertaining requests for GST waivers). This card already has awesome cashback rewards and comes with no annual fees. So personally for me (assuming 6% GST wasn't kicking in) the RM100/year is really low and easily covered through cashbacks.

This post has been edited by Prodigenous Zee: Feb 11 2015, 07:20 PM

I only started using this card recently, so no. Hopefully I won't have to

I stand corrected. I edited my original post to reflect this

From the industry guides list on the GST website, you will find the guide on commercial banking. The relevant information is on page 5 of the document (page 7 in PDF). Although there is no direct quote saying that the RM50 GST will be abolished, it does say that the the GST will be charged on annual fees instead.

Swipe both cards 3 times within 60 days of activation and get RM100 cashback.

5x TP is 24/7, weekday or weekend As for the conversion, there is a 2.5% conversion fee that is charged (Section 13.5). Unlike Visa/MC, AMEX does not have an exchange rate tool that the public can use. You can check out the foreign exchange rate thread to see what rates people have gotten before. (shortcut)

Wah, some people want to cut this card because of the points inflation? Talk about overreacting man.. 1.25% cashback on points is still pretty good.

According to the TnC, the cashback will be awarded 4-8 weeks after the end of the 60 days from your application approval date. Assuming you applied mid-December, your 60 days would have ended just last week. Meaning the cashback will be awarded within 3-7 weeks from today. If it is not there by May, please call them up as they will only entertain disputes on this campaign until the 31st of May.

This is the TnC of the campaign in question. Swipe both cards 3 times within 60 days of approval and you will get RM100 cash back 4-8 weeks after 60 days is over. Take note that this is technically not a GST waiver, but a cashback that will be credited into your account. Maybank is pretty strict about not doing GST waivers.

Can you elaborate on 1.5% CB using Petron Miles card? The website says it is RM1 = 1 Petron Miles point, followed by 950 points for RM10 of fuel. That is only 1.05% CB. Are my calculations wrong?

EDIT: Found what you were referring to. Silly me, didn't notice that the cashback was different for the different redemption tiers. Max one is 3000 points = RM45, which is 1.5% CB. Apologies.

This post has been edited by Prodigenous Zee: Feb 27 2015, 07:02 PM

Transact & Win Campaign Winners

To be precise: you have to actually fail the payment first before calling them to unblock it. This whole process is very annoying, because once the card is rejected PayPal doesn't show the card anymore. So the whole process becomes: attempt payment -> fail payment -> call Maybank -> back button on browser a few times -> reenter PayPal payment screen

I'm not sure what grounds you have to file a complaint. It's mentioned in the TnC that the winners are selected at random, not based on the amount of entries. Sure, having more entries increases the chances of winning, but it doesn't guarantee anything. If there are a million eligible entries, your 600 entries barely scratches the surface.

The problem with contests like these is that the bank will never disclose the entire list of eligible entries. Therefore as consumers we will always be at a disadvantage, as the contest is not transparent.

You've got 9 days to go, Tainted. Cashback promotion ends on 22nd March.