CCRIS record would show, actually.

And yes, if your income is not at a certain level, getting approved for newer cards seems hard if you are holding too much already.

Amex Ikhwan also can get 5% cash back?

Nope.

No cash back, no nothing.

Except for 5X treat points.

treat points better than cash back?

But for the past 6 months, I applied HLB, OCBC, CIMB and UOB..all approved..
Really need to consider to cancel my M2C due to very low usage since the weekend 5% CB is gone..although its free and low interest rate..

Definitely not.

What I lack is a PBB VS for online utilities only

Cash back is mostly covered by Ikhwan & Signatures for gas + groceries.

Online is CIMB. So I got half of all the CB card in market already except for UOB One, SC CB Gold and Citibank CB Plat.

Wow u mean u have Maybank Islamic MasterCard Ikhwan Platinum/Gold and Amex as well?

Now I having Maybank 2 card platinum and OCBC titanium (sucked)...

Thinking of get Maybank Islamic MasterCard Ikhwan Platinum to enjoy the 5% cash back

Franco (The Curve) doesn't accept M2C Amex Platinum. sob...

hmmm... i always see UOB CC salesperson... perhaps can apply

btw citibank card giving me reli bad experience. charging me for fees on my supplementary card even though i wrote in a letter to cancel... up to date the card still active

Yeah..not first time hear Citibank service very bad..

im aso a fresh grad...after i working for 5 months.. maybank called and offer me m2c.. due to my salary direct bank in to mbb, i just need to confirm my mother's name and phone number.. no document needed.. after 2 weeks, been call to collect card at my selected branch... very effective.. although i already cancel this card and go for wise.. hahaha

I have both the Ikhwan plat and the accompanying Amex Ikhwan.

If cb 5% - 10%, then it is better. Lesser than that, I prefer tp as can redeem frequent flyer air miles.

5% for dining and weekend is actually quite pathetic for the cashback terms.

And do note that there is a difference between AMEX charge card and AMEX credit card, which in the case of Maybank 2 cards, it is AMEX credit card.
AMEX credit card did pale in comparison with various other cashback cards available

Yes. I am very well aware of the difference between AMEX charge card and AMEX credit card. As a matter of fact, i have used many different versions of AMEX. I started off with an AMEX credit card that comes with a Maybank logo. Then i changed to the green AMEX charge card. After that AMEX introduced the gold AMEX (without Maybank logo). That is the original AMEX card that comes with 5x Membership Rewards Points. Then Maybank came up with Maybank 2 Cards. Almost all AMEX Gold credit card (the original AMEX with 5x MR) jumped ship.

Many years ago there was no such thing as weekend 5% cash back with any AMEX card, be it charge card or credit card (both with and without Maybank logo).

The point i am trying to stress is, AMEX is and will still trump most VISA and MasterCard in term of rewards return on the market.

And as one fellow member has pointed out, one of the main reasons banks have been cutting down on credit card benefit is due to the recent cap introduced on "Merchant Discount Rate" (MDR). It is almost a certain thing that this is not the end of it. Instead we may see more banks make further cut on credit card benefit in the near future. Many banks in fact have increased silently the number of rewards points needed to redeem a shopping voucher (Citibank, HSBC, CIMB Bank just to name a few). So for most VISA and MasterCard out there, the effective cash back is only around 0.20% to 0.40% compared to 1.25%- 1.3125% for MBB2 AMEX.

This post has been edited by MilesAndMore: Aug 5 2015, 11:01 PM

Not true. There's hlb wise offering 10%, ikhwan offering 5%, uob vox also 5%, AEON Watami 3%. I don't see where MBB2 amex beats them in cashback as the cards I mentioned definitely gives more than 1.25%

Did you miss the bold text most ? And how many credit cards offer 2-10% cash back ? Just a few. Hence the bold text most. And many of these 2-10% cash back are only for select categories and there is also a cap on the cash back you can earn.

MBB AMEX 2 on the other hand, still gives you unlimited 5x TP at all places accepting AMEX except government bodies, education and insurance payment. Therefore this still makes MBB AMEX 2 the best all rounder credit card!

But, Most of THESE CC do come with an Annual Fee + (6% GST) or Monthly Fee or tied on with T&C in Order in to Obtain their Max Cash Back. Just M2 Amex the One & Only Card, Which's Lifetime Fee Waiver (no annual fee without any conditions) & still gives Us up to 5x Unlimited TP

This post has been edited by fly126: Aug 6 2015, 03:51 AM

Bro, Do You Now Still Keep Your Amex Charge Card...???

No. I canceled the charge card before the government started charging RM50/RM25 credit card service tax a few years ago. In fact i stopped using it already as soon as i received my Maybankard 2 Cards. That was definitely a good card. Back then it came with 3-year annual fee waiver and it gave unlimited 2x Membership Rewards Points. At that time one needed only around 16,500 Membership Rewards Points to redeem RM100 (5x RM20) Jaya Jusco vouchers. That was around 1.212% cash back for every Ringgit spent. Almost old regulars here had either the Green or Gold Charge Card (or the Gold AMEX with Maybank logo - very ugly design, withdrawn from sale some time ago). And at least two people here have(had ?) the Centurion Charge Card. Back then turbo membership rewards points, platinum charge card annual fee, who has the Centurion charge card were the main points of discussion when it comes to American Express on this card. And we also didn't have a dedicated credit card sub-forum then.

This post has been edited by MilesAndMore: Aug 6 2015, 01:14 AM