Hi all,

I'm getting a new credit card and im a first time applicant.

I intend to use the CC for restaurants,petrol,shopping and during travel overseas.

I've survey-ed around and found that the most suitable card for me (36k per year salary) is Maybank 2 card.

I want to ask:

1. Is it advisable to use Amex ALWAYS whenever possible both locally and overseas? - to earn the treat points?

2. If Amex fails, then use mastercard.

3. Is Amex currency exchange rate lower than Mastercard? - benefit for spending overseas.

Thanks all.