Yes, but do survey the price on Lelong also, some items Lelong are cheaper by 10%

My highest record was 200%, but with below conditions :
as an Aspire member on that time(now PW offered, but I rejected it)
FD amount > original CL + 200% temporary increase
Reason is buying air ticket for family trip.

Absolute max is 7 days but this only you call them in advance. Else before 12pm next day after your due date.

TPs earnings just being revised, TP redemption revised last year.
And if you don't have solid source, don't simply talk nonsense.

Whatever is written on the new revised T&C will be affected only, others you are still getting 5X.

Good as a back up card since some transactions still can get 5X of TPs.

Summary or not, this I don't know, but for other cash back cards, there's limitations also. We have to pick the best card that suits our needs.
For me, departmental shopping is not my primary spending pattern, so using AMEX will be the best option since most of them accepting AMEX(except Thestore), dining also not my primary, so have a good meal during weekends are good, since those restaurants that I usually go also accepting AMEX.
There's no best card for all, only "best" card that suit our spending that yields best cash back.

This post has been edited by supersound: Apr 18 2016, 09:14 PM

After M2 cards, Ikhwan seems to be the "best" card for lower income group.
Now HLB's STUPID card also may revise their cash back, so I need to get another card that can cover my mobile payment.
Maybank's Visa Signature are good for me, but I must force my self to spend rm4000 a month is something I have to rethink again.

Worst case, application rejected.

This I not sure, as some of the members here do get their application rejected.
Mine are approved sine I'm an Aspire member and keeping most of my money in their eFD.

Have to try and see how it goes, but make sure your DSR are low.

Redeem at card center is still 40000TP = rm100(or rm105 for AeonBig's gift card) as far as I know.

Maybe, but then my case are different, already having a Maybank account since 2+ years ago and having good track record.
As long as they still see your account active and have good track records, they will just sell you a card as far as they can.

Usually is the officer in charge has the say.
If your documents are ok, with their recommendation, sure you can get the card in no time.

I guess not, since those are under utilities

Well, comparing to other dining cash back cards, AMEX are not that really widely accepted, so if you can get another card for dining, this M2C basically are pretty useless.
But remember, after OCBC revise their Titanium card from 5% to 1%, there's no 1 single card that able to cover all cash backs. You need to choose the cards that can serve you the best on your typical spending.
As you said, the 5X TPs is something to make some of us still willing to keep the cards.

Is it good? I not sure, I'll close my HLB's accounts once they really revise that STUPID card's benefits.
But 1 thing for sure is, I need to start digging which bank's cash back cards will suit my spending the most

I dine less, so technically PBB world MasterCard suits me. But because of cash backs amount will be limited and high spending to get AF waived, I'll pass.
Rm33 a month are not that much, so I guess getting groceries cash back card will be my only option. Earn money by trading then only spend.

Well, then I have to choose which is the best for me. As said before, getting cash backs are a bonus for me when I spend, so I'm not losing anything even if this bonus will be taken away.
On the side note, for the first time when OCBC revise their cash back from 5% to 1%, I do feel very butthurt and like want to go to their branch and make huha out of it. But then after think twice, my rm1000 spent I only need to pay rm950 so I'm getting rm50 a month.
Next card was this MBB dual cards, the hurt fell are less since I can source for other cards.
So if any cards that I'm holding currently revise the benefits, I just leave it. If still have something, I'll keep it, else just cancel it, no need to huha too much.
Not to mention, my monthly spending only rm500-800 and the rest are helping others to spend.

https://www.pbebank.com/Personal-Banking/Ca...redit-Card.aspx
I'm talking on this card

Prior to heavy credit card usage last time, my wallet always got rm3000 and slowly depletes to rm1000(this is for emergency).
And now I'm on high credit card usage, wallet only has rm300 and will be slowly pickup weight to rm3000 where rm2200 will be use to pay PBB and HLB's credit card and balance give to father
Still Maybank cards are worth to keep as the payees I consider them as the most, easier when want to make payments.