The best way to maintain value is keep as treat point form as long as possible

Yeh, I understand the logic to keep in TP form. But this current uncertainy and prospect of paying RM25x8 in SST (mine's due in July) just made me feel better than sitting on lots of unrealised value.

Anyway, no regrets. I've got one more AF-free year to think how to use up my 600k remaining TPs before I have to cancel my principal.

Hi sorry if repetitive ques. My card approved on Jan 2020, my card expiry date is 01/24, so when will be my AF FOC period?
Thanks

it will charge u on dec 2021. provided u unable to spend 80k from dec 2020 to dec 2021 i guess

AF will be charged on Dec 27th 2020.
Spending count is from 1st Jan to Dec 26th 2020.

Will be charged this year..

Oh then wheres the first year AF waiver? More like few days waiver... plus this covid, guess i would need to cancel the card year end

Jan - Dec 2020 you no need to pay = first year waiver
Expenses from Jan - Dec 2020 will determine your AF waiver for second year.

As explained earlier. AF is charged first before use.

Applied for this a couple months ago online but got rejected. Then suddenly last week I got a call from their telesales asking me if I'm still interested... Sent my documents immediately, hopefully this means I have a good chance of getting it.

it is better this way.. else, we wont be able to opt not to pay the AF by cancelling the card after the AF charged after 1 year using..

https://www.malaysiaairlines.com/content/da..._conversion.pdf

now can get elite miles by changing to enrich point..

Got it, thanks Fruitie!

Hmm... not bad...
But you need to reach at least Enrich Gold or better Enrich Platinum (to enjoy OW lounges).
Gold requires 50k while Platinum requires 100k elite miles.
Based on the given rate, you need to redeem 100k enrich miles to get extra 10k elite miles.
As it is based on per transaction, you need to redeem 100k x 5 times = 500k enrich miles and 50k elite for Gold.

However, I am worried whether we can redeem 5 times as above, as the elite miles capping for each transaction is 10k.
Why they need to implement capping of 10k?
Also regarding T&C clause D3, member can move up only 1 tier?
If so, this is only useful for existing Silver member.
They can't attract new (active) members into Enrich (bad move).
Maybe someone can read the T&C in detail and enlighten us.

Do these cards offer anything additional to the Maybank Visa Infinite - seems to be mostly the same Tier Point earning rate, even comparing the VISA to AMEX and ofc the VISA is more widely accepted.

widely accepted plus point. also if u use MUVI, u got 5tp local spend when MU win on the same day

Yes exactly. i'm thinking whether to apply 1 for myself ;p

i don't get it why platinum card is only for big spender? is there any restriction?

It's not for big spender meaning there is a minimum monthly spend (although there is a minimum income) but it's suggested the big spender that would see the benefits of the AMEX Platinum compared to something like the Maybank Premier cards.

The reason given is that Maybank Treatpoints expire after 3 years; so if one is collecting 100000s of points every year, they might have so many they do not know what to do with them. AMEX Member points have no expiry, so big balances can build up and it doesn't matter, there is no risk to losing them.

This is usually a big consideration when comparing Airline points and AMEX points as the Airline points expire but also the cash-out options to vouchers or gadgets is very poor value compared to booking flights / flight upgrades (which one may not be able to do due to things like CoVid). In the Maybank Treatpoint case, if they are nearing to expiry I don't see why someone wouldn't just buy Robinson's (or KFC) vouchers and not worry about it.

Hello sifus,

Just got to know my application has been approved. Just want to ask a quick question here as it is my first credit card..

If the transactions (using my DEBIT card) is categorized under "RETAIL" when checking in Maybank2u, assuming I'm spending through the same merchants with my Amex/Visa will it be safe to assume those transactions will accrue me the 5x TP per RM1?

Reason I ask is because those are mainly online Visa transactions. Just hoping it would still net me TP.



This post has been edited by IntensiveBytes: Jun 12 2020, 10:56 PM

Likely yes, as long as not under those excluded list.
Best you test with small amount to ensure receiving TP.
However, only Amex gives you 5TP, VI gives 2TP for local spending.

Btw, no need to blackout your 5 digits retail spending, many big spenders here with monthly 6-7 digits

Thanks for the info boss! Are you sure it’s five?