The RM50 GST was abolished for all credit cards when the 6% GST on 1st April was implemented. It is now charged on annual fees instead. Since this card has RM0 annual fees, even with GST the annual fee is still RM0 =)

Last time was Government Service Tax = RM 50 per card, after implementation of Goods and Services Tax, the RM 50 is no longer applicable.
For cards that have no annual fees, then don't need to pay anything anymore.

Foresee Next from MBB, no more free annual fees card.
Need to spend certain amount to waive annual fees.

Since it still free now. Just keep and use when got chance

Just got my MBB Credit Limit increase Took approx 3 working days only.

if mbb start a survey for users to choose either to pay af or have the 5% weekends cb taken away, which one will you choose?

Since MBB is gonna restrict 5% on dining only and I max my MBB Amex for TM bills all these while, I think PBB Visa Signature will be a much better bet now as the capped amount is RM60 per month and at 6% cashback. Why did I miss this card all along? It seems to be a better choice than 5% Amex is offering , even without the restriction. Or did I miss something? This PBB VS can pay TM bills via Payonline and still entitled to 6% , right?

This post has been edited by michaelho: Jun 28 2015, 11:46 PM


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Income restriction, 30k vs 100k.
That's why not all can apply PBB VS.

the problem is not many earning rm100k pa. if you are qualified, just go for it.

even you qualified for 100kpa, but these few years bank negara strict rule caused the bank measure your credit card application according to normal loan application.
If debt ratio to net income is >65~75%, chance to get reject is very high...

So for high commitment ppl, please clear some of the outstanding loan. Oh yea, outstanding amount from balance transfer is consider as commitment as well <-- according to banker

This post has been edited by red_scorpion: Jun 28 2015, 11:58 PM

yeah thanks for info. I am aware of the income requirement. Will try my luck applying and use solely for TM bills if approve. Then it would only 3 cards for me :


PBB VS (if can get approval) : TM bills via Payonline
HLB WISE : Groceries / Petrol while Wife's Wise : Groceries / Syabas / TNB
HLB Essential : for every other things

This post has been edited by michaelho: Jun 29 2015, 12:08 AM

Hi, just tumpang ask ya, where you reload tng card using Amex?
I tried a few places but failed

You may refer to this thread

I always keep my debt ratio to income at -3.5%

Been approach on RHB visa,

weekend 5% petrol (apply to any petrol station)

and groceries on Tesco(x2 point on tesco club card)

weekday 2 % apply to both, too bad no utilities,

This card doesn't have AF, min Income 25k and above.

This might be my second alternative ~,~

Neither.

my my... was surprised with the number of replies, suspecting something is not right, and indeed maybank has gone bonkers

oh well, sticking with my ikhwan and cimb for now. the mbb2 i just keep it for emergency plus tied with my prudential. i just recommended the mbb2 to my own brother last week. might suggest him to take ikhwan instead if like this.

maybank.. maybank...

What card are you referring to?

Choose af because got chance to waive it

Based on past experiences on RM 50 GST, MBB won't waive GST! What makes you think that there'll waive AF. LOL

since im staying alone, i have not much spending to swipe!

except over paying Unifi, TNB bills... and next month, TnG.

now still looking where i can swipe my AMEX for Celcom...