QUOTE(David83 @ Jun 28 2015, 04:57 PM)
Only rich citizens can afford to enjoy Astro! 
Yup, you get my point 
Credit Cards Maybankard 2 Gold & Platinum Cards V14, #PrayForM2Amex #ripM2Amex
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 Jun 28 2015, 05:41 PM
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Senior Member
11,554 posts Joined: Aug 2009 
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Jun 28 2015, 05:45 PM
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Senior Member
1,178 posts Joined: May 2007
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QUOTE(Prodigenous Zee @ Jun 28 2015, 05:18 PM) Let's not be stingy with one another.. i wouldnt even bother to post if stingy... Public Bank Visa Signature for Telekom bills + weekday dining (6% rebate on groceries, dining & online transactions) HLB Wise for TNB + mobile OR petrol (10% rebate on selected categories) UOB Vox for online transactions (5% rebate on online transactions) Maybank Visa Signature for groceries + petrol (5% rebate on petrol and groceries - petrol used here only if HLB Wise not approved) AEON Watami for insurance (3% quarterly rebate if >RM3,000 spent) Maybank AMEX for weekend dining and as backup (5% weekend dining rebate after 1st August)  try read few pages at free lounge access then u will understand y the codes |
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Jun 28 2015, 05:49 PM
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72,820 posts Joined: Sep 2005 From: KUL 
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QUOTE(bee993 @ Jun 28 2015, 05:45 PM) i wouldnt even bother to post if stingy... Please la. You really think you guys are so powerful that can make Maybank changed its PPL entitlement? try read few pages at free lounge access then u will understand y the codes |
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Jun 28 2015, 05:50 PM
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Senior Member
3,033 posts Joined: May 2011
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QUOTE(bee993 @ Jun 28 2015, 05:45 PM) i wouldnt even bother to post if stingy... I have read but still dont understand why need to use codes. try read few pages at free lounge access then u will understand y the codes |
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Jun 28 2015, 05:53 PM
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72,820 posts Joined: Sep 2005 From: KUL
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QUOTE(Tigerr @ Jun 28 2015, 05:50 PM) I have read but still dont understand why need to use codes. Agreed and the codes are so annoying. |
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Jun 28 2015, 05:53 PM
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Senior Member
1,351 posts Joined: Jul 2008 From: Planet Earth 
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Seems like Maybank Ikhwan is the best alternative for me. Mainly on petrol. HLB wise is too much for me, I dont spend that much (10 x RM50 transactions). UOB one card (gold), capped at RM300 for petrol, still maybank ikhwan wins.
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Jun 28 2015, 05:53 PM
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Senior Member
3,033 posts Joined: May 2011
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QUOTE(fruitie @ Jun 28 2015, 05:49 PM) Please la. You really think you guys are so powerful that can make Maybank changed its PPL entitlement? I went there dinner at green market with my family last night. quite empty n the food are not that great. I still like the singapore green market. Cost is only petrol n parking fees. How mbb can tahan.... I spoke to the cs. She told me each card got 12x a year but dont know start from when. This means my card n my 4 sub cards got each 12x a year |
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Jun 28 2015, 05:54 PM
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All Stars
24,369 posts Joined: Feb 2011
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QUOTE(Tigerr @ Jun 28 2015, 05:50 PM) I have read but still dont understand why need to use codes. The idea of using codes is it won't turn up on Google. Second, it will be harder for banks to read how one "abuse" the system. Making a particular benefit to last longer. |
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Jun 28 2015, 05:54 PM
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Senior Member
3,184 posts Joined: Jan 2008
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QUOTE(szaku89 @ Jun 28 2015, 05:53 PM) Seems like Maybank Ikhwan is the best alternative for me. Mainly on petrol. HLB wise is too much for me, I dont spend that much (10 x RM50 transactions). UOB one card (gold), capped at RM300 for petrol, still maybank ikhwan wins. that is if and only if maybank does not change those tnc for ikhwan card. last time m2c is the best as no tnc apply.just swipe on weekend. |
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Jun 28 2015, 05:56 PM
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All Stars
24,369 posts Joined: Feb 2011
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QUOTE(szaku89 @ Jun 28 2015, 05:53 PM) Seems like Maybank Ikhwan is the best alternative for me. Mainly on petrol. HLB wise is too much for me, I dont spend that much (10 x RM50 transactions). UOB one card (gold), capped at RM300 for petrol, still maybank ikhwan wins. Use UOB one to maximise cashback from petrol. After maximum cash back, only switch to Maybank Ikhwan or else you have no card to use for groceries. |
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Jun 28 2015, 05:56 PM
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Staff
72,820 posts Joined: Sep 2005 From: KUL
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QUOTE(szaku89 @ Jun 28 2015, 05:53 PM) Seems like Maybank Ikhwan is the best alternative for me. Mainly on petrol. HLB wise is too much for me, I dont spend that much (10 x RM50 transactions). UOB one card (gold), capped at RM300 for petrol, still maybank ikhwan wins. Yes, I'm still trying to understand how HLB works.  Actually it's the AF that turns me off.QUOTE(Tigerr @ Jun 28 2015, 05:53 PM) I went there dinner at green market with my family last night. quite empty n the food are not that great. I still like the singapore green market. Cost is only petrol n parking fees. How mbb can tahan.... I'm not as hardcore as you, I will only go there when I need to travel. I spoke to the cs. She told me each card got 12x a year but dont know start from when. This means my card n my 4 sub cards got each 12x a year  |
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Jun 28 2015, 05:57 PM
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All Stars
24,369 posts Joined: Feb 2011
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QUOTE(noien @ Jun 28 2015, 05:54 PM) that is if and only if maybank does not change those tnc for ikhwan card. With majority of M2C user switching to Maybank Ikhwan, I don't think this card will last very long. last time m2c is the best as no tnc apply.just swipe on weekend.  |
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Jun 28 2015, 05:57 PM
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Senior Member
1,178 posts Joined: May 2007
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QUOTE(fruitie @ Jun 28 2015, 05:53 PM) Agreed and the codes are so annoying. u hv ur right for ur views n i hv my freedom to type codes or not. u find it annoying dont bother to read juz like i nt bother to read those reply like urs. and keep the thread for related matter.  |
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Jun 28 2015, 05:57 PM
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72,820 posts Joined: Sep 2005 From: KUL
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QUOTE(Ramjade @ Jun 28 2015, 05:54 PM) The idea of using codes is it won't turn up on Google. Second, it will be harder for banks to read how one "abuse" the system. Making a particular benefit to last longer. We are not abusing the benefits. Those are their features, not that we use any back door ways. I really don't understand this point. |
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Jun 28 2015, 05:59 PM
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All Stars
24,369 posts Joined: Feb 2011
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QUOTE(fruitie @ Jun 28 2015, 05:57 PM) We are not abusing the benefits. Those are their features, not that we use any back door ways. I really don't understand this point. Look at it this way. If you spend MAX RM1000/card, after that use another card and you always pay on time, how is Maybank going to earn? |
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Jun 28 2015, 05:59 PM
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72,820 posts Joined: Sep 2005 From: KUL
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QUOTE(bee993 @ Jun 28 2015, 05:57 PM) u hv ur right for ur views n i hv my freedom to type codes or not. u find it annoying dont bother to read juz like i nt bother to read those reply like urs. Ok, I will nuke those posts when it's necessary. and keep the thread for related matter. Thanks. |
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Jun 28 2015, 06:02 PM
Show posts by this member only | IPv6 | Post
#737
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All Stars
26,528 posts Joined: Jan 2003
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QUOTE(Ramjade @ Jun 28 2015, 05:59 PM) Look at it this way. If you spend MAX RM1000/card, after that use another card and you always pay on time, how is Maybank going to earn? This is a non-issue. |
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Jun 28 2015, 06:02 PM
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Senior Member
1,351 posts Joined: Jul 2008 From: Planet Earth
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QUOTE(Ramjade @ Jun 28 2015, 05:56 PM) Use UOB one to maximise cashback from petrol. After maximum cash back, only switch to Maybank Ikhwan or else you have no card to use for groceries. I don't buy groceries, doesn't have family yet. So no prob. QUOTE(fruitie @ Jun 28 2015, 05:56 PM) Yes, I'm still trying to understand how HLB works. HLB wise if you spent a lot and get rm100 cashback each month , I don't think the annual fees is a prob lol. Can get max rm1200 per year cashback right. But problem is I don't spend that much. Actually it's the AF that turns me off.I'm not as hardcore as you, I will only go there when I need to travel. |
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Jun 28 2015, 06:02 PM
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Staff
72,820 posts Joined: Sep 2005 From: KUL
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QUOTE(Ramjade @ Jun 28 2015, 05:59 PM) Look at it this way. If you spend MAX RM1000/card, after that use another card and you always pay on time, how is Maybank going to earn? Other banks will also have the same problem if this is considered as a problem. |
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Jun 28 2015, 06:07 PM
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Senior Member
2,757 posts Joined: Jan 2007
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QUOTE(Ramjade @ Jun 28 2015, 05:59 PM) Look at it this way. If you spend MAX RM1000/card, after that use another card and you always pay on time, how is Maybank going to earn? not every cardholder settles 100% of his/her statement balance promptly, banks can still make money. somemore banks earn money from renting out credit card terminal machines as well. banks may be earning profits from other activities that we may not notice, their intention is to maintain/increase its customer base and earn more money from these customers |
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