[quote=MilesAndMore,Aug 6 2015, 12:01 AM]
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%

[/quote]
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!

[/quote]


for my case, i rather take HL essential card, which give me 1% rebate, on everything, not limited to any categories. I still holding amex, but i think i wont use it to collect the 5x point = 1.25% rebate. reason being is, i dont want to wait till 22,000 point then only get rm50 metrojaya (or anything else) voucher, which may take me few months to collect the points. with hl essential, i can take back the cahsback immediately next month.

where did u see the uob both, i wanna apply

I always see UOB booth at Tesco Kepong every weekend.

Seems like they're doing road show again.

I also saw them at Tesco Extra Sungai Dua

if apply to get free gift, then cancel... in the future apply again... will black list?

what i do normally is, i only cancel after 6 months, just for the sake of helping the sales personnel to get their commission la. i have no problem getting the card again after 6 months i cancel, but not within 6 months or so.

After the cooling period, then you can do so.

ok, 6 month for the salesperson, another 6 month cooling off

roughly 1 year plus.. i might try that

The extra 0.25% is a small difference indeed but there is this Malay proverb that goes like this : "lama-lama jadi bukit". It's a bit like putting your money in FD. You don't really need the money now and you just let it rolls. And i used my OCBC World MasterCard that gave me unlimited 1.20% cash back until a few months ago wherever AMEX is not accepted. Otherwise, AMEX is still my primary card even after the recent TP inflation and benefit cut. I am also using Hong Leong Bank Wise VISA and Mach by Hong Leong VISA now but those cards are strictly for my selected categories only.

This post has been edited by MilesAndMore: Aug 6 2015, 12:49 PM

does your OCBC World MasterCard collect annual fee for second yr onwards? 1.2% sounds better than essential, but not sure if it will be waived with 12 swipes a year.
From ocbc page,
- First RM1,000 Total Retail Spending- 1.2%
- Subsequent Total Retail Spending – 0.6%
so i think i will still stick to essential, easier for me..

This post has been edited by pvateme: Aug 6 2015, 01:15 PM

I did manage to get the annual fee waived for this year. It is strictly case by case basis, as far as i'm concerned.

It used to be giving unlimited 1.20% cash back but was revised to the current T&C a few months ago.

Hi, anyone withdraw extra payment in credit card to saving account or not?
How long it will take to finish the process usually? i tried to request the transfer and still not yet done after 3 working days.

Best if you use up the excess balance on your card. It is because you might end up paying cash advance fee for this situation.

Agree.

Putting in money to bank is easy.
Taking them out usually will have to go through red tapes.

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Just wait for few more days, it will be in quite fast. At least for my case.

Ah bugger, ikhwan amex can't be used for this?

i think you don't have to wait so long to re apply..

my application for ikhwan rejected when i apply during treatsfair (june 15)

i just applied (at garden) by splitting 2K into ikhwan, and got approved...and still maintaining M2C

i suggest you go to the garden to do this

anyone has idea what are the 3 bottles in the package?

my excess balance is around 10k... not easy and not worth to used up in amex...