Hi Vervain, for your 1st question, yes, and you're only liable for any applicable GST on the the next anniversary of your card approval date.

As for your 2nd question, it's indeed a good habit to make full payment on any day as long as it's before the due date to avoid prevailing interest charges and by doing so, it shows that you're a good paymaster in bank's internal record as well as CCRIS. CCRIS will capture payment pattern base on minimum payment, partial payment and full payment reported by financial institutions on each month.

Unless the insurance provider is Etiqa, as Maybank's websites do have the autopay bill form for Etiqa.

Maybank Islamic MasterCard Ikhwan Platinum Card = 5% rebate on petrol and groceries on Friday and Saturday, capped at maximum of RM50.00 per customer per month (Principal Cardmember only)

The above means you will get to enjoy 5% cashback on petrol and groceries transaction only on Friday & Saturday capped at RM50 per customer per months means maximum RM1000 for said transaction per month.

Maybankard 2 Platinum Card Amex = 5% Weekend cash back for any retail transaction capped at RM50 per month per cardmember which translate to maximum RM1000 for said transaction.

This post has been edited by QPheng: Mar 13 2015, 03:34 PM

Just an advice, whether you choose to share your credit limit with the supp card or impose a certain amount of credit limit to the supp card, just make sure that you're fine that the shared credit limit spend by the supp card are within your tolerance in case the supp card choose not to pay for whatever reason.

Honestly, nowadays, there is nothing to show off when it come to Platinum card, moreover a Gold card.

An Infinite card and above card level may do the work provided the benefits of the card are applicable to the cardholder.

As benefits are not benefits if it's not being utilise.

For Visa Infinite, some bank offer lifetime fee waiver when the customer meet certain criteria, some bank require a certain amount of spending per annum in order to waive off the charges and lots of bank willing to waive off the charges for high AUM customers for retention purpose.

The card that couldn't get waiver will be Amex Platinum charge card, customer need to pay 1st and they will credit 100k or 200k points to their account as loyalty rewards.

And of course we can't miss Centurion Card, upfront fee payment that come with lots of perks, mostly airline and hotel voucher or branded discount.

So Infinite or WMC that doesn't require to pay the fee in whichever circumstances are really good card to keep for the benefits of dining discount, tickets purchase, Premium Lounge access, complimentary green fee for golf and so on...

You're right that if the credit card anniversary date is after 1st of April 2015, the GST RM50 will no longer be applicable.

Means to say that 6% on RM800 annual fee the new tax will be RM48, RM2 discount compare to current GST of RM50

Agree with you that credit card usage suppose to be within our means and the usage shall compliment us in a constructive way such as cash back or reward points in return compare to cash term.

No point to pay more in term of financial charges or all kinds of fee just to carry the card for the so call "Prestige" that doesn't bring much benefits other than showing off which is meaningless if it only function is to dish out the cardholder pocket money rather than benefits them in term of savings.

Yes you can, as according to Maybank website for SenHeng Promotion, full or partial TREATS/ Membership Points (MR) redemption is available but do take note that there will no TREATS/ MR points earning if payment is made with full points redemption.

Aeon voucher is good considering there is no expiration date compare to other voucher.

However, I still find those TP is best use to redeem for Enrich Miles and further use the EM during MAS offer of 30% off or 50% to Europe or Australasia by Business Class.

Or economy class conversion rate during promotion period may even beats 250TP = RM1 conversion.

So considering lump sum of TP, the little difference in conversion % do make up a lot of difference in $$ sense.

Can I know which Amex card do you select for making payment to Maxis via Maybank website?

I realize that when I select the Amex Platinum credit card, Maxis bill payment option is available, whereby when I select Amex Reserve, the Maxis bill payment is not available for payment.