read the Cashback t&c here

https://www.maybank2u.com.my/maybank2u/mala...tinum_card.page

of course they can. nothing can stop them.

why? because profit margin.

each bank or terminal providers offer specific rates called MDR.

it will be deducted from merchant sales amount.

merchant get nett amount.

now if your margin already low, then deduct MDR, how much profit you can get?

also, AMEX MDR is usually higher than visa/Mastercard.

if you are the merchant, you want lowest MDR to maximize your profit.

merchant tends to change providers from time to time. this is normal practice cuz they want good rates. whoever can offer better/lowest rate, would likely get their businesses.

imagine big businesses or chain or merchants with huge sales volume. every savings counts.

weekend is weekend = day of week

not related to special day

quite recent though, file dated 11 April 2023.

dont think mbb know the real situation on the ground. the list is general, but can be both way:

1) branch know but purposely dont accept amex
2) branch dont know at all cuz onboarding handled by HQ with maybank


just do a blind test at your nearby branches.

should snap the photo of the terminal

then we can hunt for them at nearby 99sm

Maybank terminal does not guarantee amex acceptance.

if merchant not satisfied with amex MDR, they rather request their acquirer to disable amex

what card? which amex?

someone replied for the same question before....

not any kind of rewards for mbb cards

good to have extra payment acceptance

irrelevant for us who are chasing rewards

i know that

encountered new one today

sleek, black outdoor terminal.

can check petron miles points too.

support paywave. fast too. preauth few times using TNG visa

inside station, they also changed to newer white terminal. fast too. annoying loud beeps after done payment. lol

nobody knows for Guardian in general for whole nationwide

since you encountered your specific Guardian branch just now, why didn't just try directly with Amex? don't bother asking la. just act dumb and swipe/wave on the terminal lor.

try other guardian branch

so what did u reload at JG? pin or card?

it's never been terminal-dependent as amex works on any EMV terminal.

most merchant don't accept amex cuz they don't want to enable it (need to incur higher mdr fee from acquirer bank)

whoever said amex only from MBB terminal is wrong

not everyone behave the same.

some will look at your card and see the logo.

think the other way round

which has higher margin to pay for higher amex mdr?

blame their acquiring banks for imposing high amex mdr.

petron has been planning to modernize their opt and pos. they are kinda lagging compared to others.

not entirely their fault. it's all commercial deal. maximizing profits (as less as possible to banks hahaha)

fyi, bhp may be sold. got a Saudi investor eyeing to buy it.