I am referring to low-end eating places & restaurants (less than RM 15 per person).

Ever since 1 July 2015, the interchange fee for credit cards is capped at 1.10 %. It does not matter whether the customers use Visa, MasterCard or American Express credit cards, and the merchants should pay similar fee to the cardholder’s bank.

Then again, the management of these low-end eating places & restaurants are still being oblivious of the lower interchange fee, and are still refuse to accept American Express credit cards as a payment method.

As a result of The Payment Card Reform Framework by Bank Negara, the price remains the same, but the customers are at the losing side, by getting lesser cashback. And yet, the merchant acceptance of American Express credit cards does not increase much.

Maybe, we should inform these merchants about the lower interchange fee, by giving them the official information from Bank Negara. Hopefully, more merchants will start to accept American Express credit cards.

At least, our sacrifice of getting less cashback will not be in vain.

This post has been edited by kart: Oct 11 2015, 10:05 PM

BP Healthcare, in Taman Cheras Makmur, Cheras.

- Swiped with Maybank 2 Card American Express.

- Maybank Credit Card Terminal.

- Minimum payment amount: RM 100.

MCC 5814 - Fast Food Restaurants:
McDonald's - AEON Taman Maluri, Cheras, Kuala Lumpur

Paid using Maybank 2 Card American Express, and obtained 5% dining cashback.

MCC 5814 - Fast Food Restaurants:

Chatime - Quill City Mall

Paid using Maybank 2 Card American Express, and obtained 5% dining cashback.

maskedchan
Requesting your kind help to update the following:

Thanks.

maskedchan

Sushi Zanmai - Sunway Velocity Mall, Cheras

- Shown as "SUSHI ZANMAI-SWY VELOCITY" in SMS transaction alert.

- Public Bank Credit Card Terminal.

- Paid using Maybank 2 Card American Express.

In the end, did you manage to pay with your other credit card?

Off-topic. The solution of the issue ("must settle xxx") is to ask the cashier to perform the settlement of all previous credit card transactions done before you, on that credit card terminal.

I encountered this issue in Aeon Wellness which use Maybank credit card terminal. Once the settlement was completed, I could pay with my Maybank 2 Card American Express.

maskedchan

Requesting your help to update the list.

MCC 5812 - Eating Places & Restaurants:

Pizza Hut Aeon Mahkota Cheras

- Address: Aeon Mahkota Cheras, Jalan Temenggung 21/9, Bandar Mahkota Cheras, Cheras, 43200 Selangor, Malaysia.

- Shown as 'PIZZA HUT-AEON CHERAS KAJANG MY' in Maybank2U Transaction History.

- Maybank Credit Card Terminal.

- Paid using Maybank 2 Card American Express (with PIN keyed in), and 5% dining cashback is obtained.

This post has been edited by kart: Jan 2 2017, 08:19 AM

^
kenlui
Thanks for pointing that out.

Using Maxis Pay with American Express Credit Cards, the payment is instantly reflected in Maxis Online Portal, as compared to paying through Maybank2u website with American Express Credit Cards.

Then again, we can gain more cashback, if we pay with other online cashback credit cards, rather than using American Express Credit Cards.


-----
At first, Sushi King (http://sushi-king.com) has disallowed debit card, as a form of payment.

Effective from 1 February 2017, Sushi King will not accept American Express Credit Cards. Sigh, we have lost one dining place, for us to gain 5 % weekend dining cashback from our Maybank 2 Card American Express.

This post has been edited by kart: Jan 27 2017, 10:01 AM

Oh, I understand your situation. PBB also refused to give me the most desired PB Visa Signature Card.

How about the following credit cards? Sorry, if you are already aware of the difficulties of using the following credit cards.

1. Hong Leong WISE Credit Card
- 5 % mobile cashback (paying through Maxis Pay), with mobile as the bonus category.
- Need to spend RM 2000 in a calendar month, with RM 1000 from your chosen categories.

2. UOB Yolo Credit Card
- 6 % online cashback (paying through UOB Payonline)
- Need to spend at least RM 800 in a calendar month, to qualify for 6 % online cashback.


You can request for recommendations in this thread, https://forum.lowyat.net/topic/4161836.

Otherwise, we are talking out of topic here.

This post has been edited by kart: Jan 27 2017, 12:06 PM

MCC 5812 - Eating Places and Restaurants:

Sushi Zanmai - MyTown Shopping Centre, Cheras.
Sushi Zanmai - Sunway Velocity Mall, Cheras.

____
Cinema:
TGV Cinemas, Sunway Velocity Mall, Cheras.

Departmental and Supermarkets:
Village Grocer, MyTown Shopping Centre, Cheras.

Miscellaneous
Touch 'n Go Hub, NU Sentral Shopping Mall, Brickfields, Kuala Lumpur.
____

All of these outlets accept AMEX.

This post has been edited by kart: Apr 16 2017, 11:41 AM

maskedchan

ACCEPT AMEX
Merchant Name : Sakae Sushi
Location : Sunway Velocity Mall, Cheras, Kuala Lumpur.
Type : Restaurants , Food and Beverages

- MCC 5812 - Eating Places & Restaurants:

- Shown as "SAKAE SUSHI-S VELOCITY KUALA LUMPUR MY" in credit card transaction history.

- Citibank Credit Card Terminal.

- Paid using Maybank 2 Card American Express.

- No minimum amount is required for payment via credit card.

- 10% service charge is imposed.


ACCEPT AMEX
Merchant Name : Caring Pharmacy
Location : Sunway Velocity Mall, Cheras, Kuala Lumpur.
Type : Healthcare & Pharmacies

- Shown as "CARING PHARMACY-VELOCITY KUALA LUMPUR MY" in credit card transaction history.

- Ambank Credit Card Terminal.

- Paid using Maybank 2 Card American Express.

This post has been edited by kart: Aug 6 2017, 12:19 PM

ACCEPT AMEX

MCC 5812 - Eating Places and Restaurant:

Secret Recipe - AEON Taman Maluri:

- https://www.secretrecipe.com.my.

- Address: G19, Ground Floor, AEON Taman Maluri, Jalan Jejaka, Taman Maluri, 55100 Cheras, Kuala Lumpur.

- Shown as 'SECRET RECIPE-TMN MALURI KUALA LUMPUR MY', in credit card statement.

- RHB Bank Credit Card Terminal.

- Paid using Maybank 2 Card American Express Credit Card.

Thanks for the information.

Caring Pharmacy uses Ambank credit card terminals, which can accept American Express Cards.

Then again, merchant with Ambank credit card terminals (Giant Paramount, as you said), can choose to disable the tagging between American Express system and their Ambank credit card terminals, most likely due to expensive cost of such tagging.

In my opinion, any credit card terminals, be it from Ambank, UOB, RHB and so forth, can accept American Express Cards, provided that the merchant is willing to pay for tagging between American Express system and their credit card terminals.

Still, it is a concern for us, because there are lesser places now that can accept American Express Cards.

ACCEPT AMEX:

MCC 5814 - Fast Food Restaurants:

KFC - AEON Taman Maluri:

- Address: Ground Floor, AEON Taman Maluri, Jalan Jejaka, Taman Maluri, 55100 Cheras, Kuala Lumpur.

- Shown as '*KFC-TMN MALURI XXXXXXXXXXXXXXXXXXXXXMY', in credit card statement. XXXXXXXXXXXXXXXXXXXXX are 21 numbers representing KFC ID.

- Maybank-MPay Credit Card Terminal.

- Paid using Maybank 2 Card American Express Credit Card.

ACCEPT AMEX:

MCC 5814 - Fast Food Restaurants:

KFC - Quill City Mall:

- Address: Lot 2-21 & 2-22, 2nd Floor, Quill City Mall, Jalan Sultan Ismail, 50250 Kuala Lumpur.

- Shown as '*KFC-QUILL MALL XXXXXXXXXXXXXXXXXXXXXMY', in credit card statement. XXXXXXXXXXXXXXXXXXXXX are 21 numbers representing KFC ID.

- Maybank-MPay Credit Card Terminal.

- Paid using Maybank 2 Card American Express Credit Card.

MCC 5812 - Eating Places and Restaurant:

Black Canyon Restaurant - AEON Taman Maluri:

- https://blackcanyon.com.my.

- Address: G21, Ground Floor, AEON Taman Maluri, Jalan Jejaka, Taman Maluri, 55100 Cheras, Kuala Lumpur.

- Shown as 'BLACK CANYON REST.-MALURIKUALA LUMPUR MY', in credit card statement.

- Ambank Credit Card Terminal.

- No minimum spending amount is required.

- Paid using Maybank 2 Card American Express Credit Card.

Accept Amex.

MCC 5812 - Eating Places and Restaurant:

Padi House - Sunway Velocity Mall:

- Address: Block V0, Level 01, Unit 05-06, Lingkaran SV, Off Jalan Peel, Sunway Velocity, 55100 Kuala Lumpur.

- Shown as 'PADI HOUSE KUALA LUMPUR MYS', in credit card statement.

- Maybank Credit Card Terminal.

Accept Amex.

MCC 5812 - Eating Places and Restaurant:

Sai Kee Restaurant - Sunway Velocity Mall

- Address: Lot 4-01F, 4th Floor, Food Court, Sunway Velocity Mall, Lingkaran SV, Off Jalan Peel, Sunway Velocity, 55100 Kuala Lumpur.

- https://www.facebook.com/Saikee.MY

- Shown as 'SAI KEE RESTAURANT KUALA LUMPUR MY', in credit card statement.

- Maybank Credit Card Terminal.

- No minimum spending amount is required.

- Paid using Maybank 2 Card American Express Credit Card.

This post has been edited by kart: Sep 9 2018, 04:01 PM

Accept AMEX
Merchant Name : Watsons - Sunway Velocity Mall
Type : Pharmacy
MCC 5311: Departmental Store (as given by Maybank CS)

Cashier said that I should go to the leftmost counter to pay, because the cashier claimed that the Maybank credit card terminal only at the leftmost counter can accept American Express Credit Cards. It is weird, as all counters should use the same Maybank credit card terminals.

Anyway, I paid with my Maybank 2 Card American Express and I am still happy nonetheless.

So, do not be discouraged to use your American Express Credit Cards for payment, when you see that there is a sticker concealing the Amex logo, on the list of logos (such Visa, MasterCard and Touch n' go logos) shown below cashier display.

This post has been edited by kart: Sep 16 2018, 07:24 AM