got
i used it since last year NOV.

amex CB max is 5%.
Where does 1.25% come from ?

5x TP - 1.25%

ｉ　ｓｅｅ
but i never take treat points into account.
is hard hit target and redeem things

With 5x, it is faster than you thought. I have redeemed a lot of vouchers from AEON and Harvey Norman.
Since 5% cash back was removed (and just recently reinstated), I hardly spend on this card yet I could get 120k of TP now.

So, it is really fast.

120K?

if spend 1k in a month to get 5% cash back and 5X points, u will get 5000 points only.

Wonder how u can get 120k now? accumulate from last time?
if no, u spend almost RM20000 without 5% and get 5x point which is 100k points.
Then, I no understand why no 5% cash back, u no spend,
now got 5% cash back with cap of RM50 which is spend around RM1000
How come u can spend more than this and u will no get 5% cash back and only 5x point.

Why u no spend last time to get 5X points and now u spend it?

I don't need to explain to you.

Though I cannot understand most of part of your questions and I'm too lazy to comprehend.
I already redeemed few times during TP conversion revision.

I can't control one's level of comprehension but I didn't say I spent it this month or now. I was saying I have 120k TP now despite earlier 5% was removed , I still spent with this card. As simple as this.
It simply means from the day 5% was removed until today, I had raked up 120k TP. I don't even know why I bother to explain to you.

This post has been edited by fruitie: Apr 8 2017, 03:20 PM

cybpsych

● Petronas @ Sungai Besi-Puchong Bypass (beside Kinrara Furniture Street) · NO reload service charge · Note: Reload at Petronas counter, not the TnG Spot booth (cash-only) · MBB Ikhwan Petronas Visa: 20170311

This is not true. I just reload yesterday 20170407 and the service charge RM1 per RM100 is still there.

This post has been edited by WhitE LighteR: Apr 8 2017, 04:42 PM

Please take note it is not service charge
it is credit card charges.

What is the difference?

Service charge is charged by TnG or e-pay regardless cash or CC.
CC charge is charged by that particular merchant (petrol station).

This post has been edited by David83: Apr 8 2017, 11:24 PM

Then should clarify in the post NO service charge, YES merchant charge

If using MBB Ikhwan Petronas for 8% cashback, we can also get it if we insert the card into the petrol machine itself instead of the Mesra counter?

For what transaction? Petrol?

Yes for petrol.

Oh shit nvm. Realised I'm in the wrong topic lol

The answer is YES.

I won't put the CC surcharge in post #1. it has been long debated.

I'll let new TS to do it, but definitely not here. nothing to argue about this further.

yup, I've been using at kiosks.

actually its depends individual spending pattern. good for you redeem what you want
i usually aim electronics and gadgets
after a while feel "tire", since bankers "inflate" points become tough to hit target
so, i rather try to utilise cash bank feature.
but i will review and start to take treat points into consideration.

Well, Maybank2Cards AmEx comes with cash back and TP is just a bonus.
I didn't specifically spend for TP that time, it is due to that I didn't have a general card for my shopping. That's how I got my TP.

So now, if you have M2Cards AmEx, you get both - cash back (if you spend on weekends) and 5xTP (if it falls under 5xTP categories).
For instance if you reload from Jaya Grocer, you will get 5% cash and 5xTP.

I will need to be very specific with my replies else someone with different level of comprehension may interpret them wrongly.

no worries.
i get what you mean.