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TSmaskedchan
post Mar 14 2016, 04:21 PM, updated 2y ago

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Principal: RM800, FREE for the first year
Subsequent years FREE if spend a min of RM80,000 per annum
Supplementary: FREE up to 4 supplementary card
5th supplementary card will be charge RM 400 per annum

Minimum annual income: RM120,000
Benefits
•Local RM 1 : Up to 5TP
•Overseas RM 1 : 5TP
•1x TP - Kindly be informed that effective 15th April 2016, all transactions for utilities, petrol, education and insurance transactions will earn 1 x TreatsPoints

Note : No TreatsPoints will be awarded for Government bodies


•Redeem 1,000 Air Miles: Enrich Miles (MAS) / KrisFlyer Miles (Singapore Airlines) / Asia Miles with 4,770 Treats Points.
•Enjoy up to 50% savings on F&B at Shangri-La Kuala Lumpur
•Validity of Treats Points: 3 years
•SELECTS American Express & Entré (a platform for Hotel & Car Rental)
•Charge your travel fares to the card to enjoy complimentary Accidental Death and Disablement coverage of up to RM2,000,000, as well as Travel Inconvenience coverage for missed connections, luggage delay and luggage loss.
◦Subject to terms & conditions of the Certificate of Insurance.

Complimentary Access at Plaza Premium Lounge

You can enjoy 5 times complimentary access per annum at participating Plaza Premium Lounge listed below :

Plaza Premium Lounge - Local Locations

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Terms & Conditions

Access to the Plaza Premium Lounge is only applicable for Principal cardmembers only
Subject to terms and conditions of respective Plaza Premium Lounge
20% savings from the published walk in rate should the 5 times complimentary access be exceeded*
20% savings for each accompanying guest to the lounge*
Enjoy up to 3 hours lounge use, include: food & beverages, internet access, international newspaper & magazines, international TV channels, left luggage, flight information subject to respective airport lounges **
* Except to Shanghai Pudong International Airport (PVG) No 77 VIP Lounge (International Departures, Terminal 2)
** Except to Shanghai Pudong International Airport (PVG) No 77 VIP Lounge (International Departures, Terminal 2) and Ibrahim Nasir International Airport, MALE - 2 hours lounge use



Plaza Premium Lounge - Global Locations

user posted image

Terms & Conditions

Access to the Plaza Premium Lounge is only applicable for Principal cardmembers only
Subject to terms and conditions of respective Plaza Premium Lounge
20% savings from the published walk in rate should the 5 times complimentary access be exceeded*
20% savings for each accompanying guest to the lounge*
Enjoy up to 3 hours lounge use, include: food & beverages, internet access, international newspaper & magazines, international TV channels, left luggage, flight information subject to respective airport lounges **
*Except to Shanghai Pudong International Airport (PVG) No 77 VIP Lounge (International Departures, Terminal 2)
** Except to Shanghai Pudong International Airport (PVG) No 77 VIP Lounge (International Departures, Terminal 2) and Ibrahim Nasir International Airport, MALE - 2 hours lounge use

Please be informed that Priority Pass privileges has discontinued effective 8 March 2016

•Retail Protection◦Purchase protection of up to RM15,000 per item and up to RM100,000 per card account per calendar year.
◦Return Guarantee exchange or refund of up to 90days (Maximum RM1,500 per item on purchase price, up to a maximum of RM6,000 per card account per calendar year)
◦Extended Warranty of up to Rm15,000 per item (Up to RM48,000 per card account per calendar year.)
◦Subject to terms & conditions of the Certificate of Insurance.
[/quote]


Official Link:
Maybank2u

Previous Thread:
Maybank 2 Cards Premier V1

This post has been edited by maskedchan: Jan 28 2019, 03:23 PM
TSmaskedchan
post Mar 14 2016, 04:21 PM

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Manchester United Visa Infinite (MUVI) card FAQS

For the Manchester United Visa Infinite (MUVI) card, earn 5x TPs whenever Manchester United WINS a Premier League match. Only English Premier League (EPL) matches are eligible. Other matches in the FA Cup, Champions/Europa League, EFL (Carabao) Cup are not eligible.

To earn the bonus TPs, spending has to be on the SAME DATE as the match kickoff in UK Time. For example, match is at 4.30pm 1 January (UK time), which is 12.30am 2 January (Malaysia time). Spending has to be done on 1 January Malaysia time to be eligible.

The following is a list of Manchester United's upcoming league fixtures in local time.
https://www.premierleague.com/clubs/12/Manc...United/fixtures
Just to reiterate, for matches that kicks off AFTER midnight, spending has the be done the day before. For those that want to maximise TPs by spending only when MU wins, look for early kickoffs before 10pm local time, that way you'll know the result before the day is over.

For TP reconciliation, note that you will be credited 2x normal TPs for your spending. The additional 3x bonus TPs will be credited to your account at a later date.

This post has been edited by maskedchan: Nov 8 2019, 10:04 AM
TSmaskedchan
post Mar 14 2016, 04:21 PM

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Reserved
herc
post Mar 14 2016, 04:23 PM

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hi, welcome to v2, lol

This post has been edited by herc: Mar 14 2016, 04:24 PM
CSS
post Mar 14 2016, 04:32 PM

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So, is it confirmed effective March 2016:

1. 5x PPL access for principle
2. 0x PPL access for supplementary cards (Reserve & VI)
3. Only one PPL access for principle Reserve/VI and can't use both cards for 2pax?
JC_jun
post Mar 14 2016, 04:33 PM

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V2 new thread new wish ::
Let's hope TP conversion rate stays same.


bearbear
post Mar 14 2016, 07:51 PM

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QUOTE(JC_jun @ Mar 14 2016, 04:33 PM)
V2 new thread new wish ::
Let's hope TP conversion rate stays same.
*
I think for now ok ba, if they change it i dont know what else they want to promote
kelvintt
post Mar 16 2016, 11:10 AM

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Saw this statement in their Maybank 2 Cards Premier page. The link is not working as of now.

"Kindly be informed that effective 15 April 2016, Maybank will be revising the TreatsPoints earning. Click here for more info."

I think they are going to cut down or take out point earnings for certain spending categories like what they did on other cards recently.
herc
post Mar 16 2016, 11:25 AM

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QUOTE(kelvintt @ Mar 16 2016, 11:10 AM)
Saw this statement in their Maybank 2 Cards Premier page. The link is not working as of now.

"Kindly be informed that effective 15 April 2016, Maybank will be revising the TreatsPoints earning. Click here for more info."

I think they are going to cut down or take out point earnings for certain spending categories like what they did on other cards recently.
*
previously rumor is including premium cards, hope they don't change much. if follow the way they amend for other cards, then its my doom day

This post has been edited by herc: Mar 16 2016, 11:27 AM
JC_jun
post Mar 16 2016, 12:33 PM

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I am starting to look for alternative cash back card,
psiloveu
post Mar 16 2016, 02:02 PM

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Maybank better announce fast.......time for me to rethink want to keep or cancel this card.
Wongchoy
post Mar 16 2016, 02:03 PM

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QUOTE(kelvintt @ Mar 16 2016, 11:10 AM)
Saw this statement in their Maybank 2 Cards Premier page. The link is not working as of now.

"Kindly be informed that effective 15 April 2016, Maybank will be revising the TreatsPoints earning. Click here for more info."

I think they are going to cut down or take out point earnings for certain spending categories like what they did on other cards recently.
*
That broken link is giving me goosebumps.
herc
post Mar 16 2016, 02:43 PM

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Question regarding the 6 digit pin, saw from maybank2u ..

CODE
CREDIT / CHARGE CARDS

Your existing Maybank Credit / Charge Cards will be replaced from 1 April 2016 onwards, in phases. Once you have received your new Card, you may activate and set PIN for the new Card through the channels below.

Source: http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

Existing card with pin-enabled also get replace?

This post has been edited by herc: Mar 16 2016, 02:44 PM
Tigerr
post Mar 16 2016, 03:28 PM

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QUOTE(kelvintt @ Mar 16 2016, 11:10 AM)
Saw this statement in their Maybank 2 Cards Premier page. The link is not working as of now.

"Kindly be informed that effective 15 April 2016, Maybank will be revising the TreatsPoints earning. Click here for more info."

I think they are going to cut down or take out point earnings for certain spending categories like what they did on other cards recently.
*
then it's time to cancel that card number just keep the VI standalone card as no need try too hard to spend that 80k in a year.
laymank
post Mar 16 2016, 03:54 PM

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QUOTE(Tigerr @ Mar 16 2016, 03:28 PM)
then it's time to cancel that card number just keep the VI standalone card as no need try too hard to spend that 80k in a year.
*
Still need 50K spending in a year.
JC_jun
post Mar 16 2016, 04:03 PM

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hong leong visa infinite
annual fee = free for life
enrich conversion:
RM 2.8 to 1 EM local
RM 1.8 to 1 EM overseas
https://www.hlb.com.my/main/personal/cards/infinite


CIMB Enrich World MasterCard (max cap 50k miles/year)
annual fee = RM 588
enrich conversion:
RM 3.0 to 1 EM local
RM 1.0 to 1 EM overseas
http://www.cimbbank.com.my/en/personal/pro...mastercard.html


CIMB Enrich World Elite MasterCard (max cap 150k miles/year)
annual fee = RM 1,288
enrich conversion:
RM 2.0 to 1 EM local
RM 1.0 to 1 EM overseas
http://www.cimbbank.com.my/en/personal/pro...mastercard.html


_________________
other amex

MAS American Express® Platinum Credit Cards
annual fee = RM 500 (first year waived)
enrich conversion:
RM 2.5 to 1 EM local
RM 1.25 to 1 EM overseas
(min spend RM10k above locally per year to get this rate)
(must be a director of company to apply this)
https://network.americanexpress.com/my/en/h...iness-card.aspx

American Express® Platinum Charge Cards
annual fee = RM 3,445
enrich conversion:
RM ** hard to calculate
RM ** hard to calculate
https://network.americanexpress.com/my/en/h...tinum-card.aspx
pspfan
post Mar 16 2016, 04:38 PM

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Premier card affected as well. same categories
Government, EPP utilities petrol Education and insurance. Just like the rest of the maybank plat cards. Other categories not listed will not be affected by the change

This post has been edited by pspfan: Mar 16 2016, 04:39 PM
herc
post Mar 16 2016, 04:52 PM

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QUOTE(pspfan @ Mar 16 2016, 04:38 PM)
Premier card affected as well. same categories
Government, EPP utilities petrol Education and insurance. Just like the rest of the maybank plat cards. Other categories not listed will not be affected by the change
*
Bye bye M2Premier bruce.gif bangwall.gif Probably can keep til Sep 2017 for memorial purpose

This post has been edited by herc: Mar 16 2016, 04:53 PM
JC_jun
post Mar 16 2016, 04:53 PM

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QUOTE(pspfan @ Mar 16 2016, 04:38 PM)
Premier card affected as well. same categories
Government, EPP utilities petrol Education and insurance. Just like the rest of the maybank plat cards. Other categories not listed will not be affected by the change
*
any official word?
pspfan
post Mar 16 2016, 04:56 PM

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QUOTE(JC_jun @ Mar 16 2016, 04:53 PM)
any official word?
*
yes. official word from my senior mgt mbb buddy
JC_jun
post Mar 16 2016, 05:03 PM

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so meaning to say, amex from 5x down to 1x,
what about visa infinite? 2x down to 1x as well (for thoese affected category)
herc
post Mar 16 2016, 05:04 PM

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world mastercard has revise? since it earn Treats Airmiles instead of TP.

Current conversion like ..
local RM2.544 = 1 EM/KF
oversea RM1.27 = 1 EM/KF

This post has been edited by herc: Mar 16 2016, 05:05 PM
kelvintt
post Mar 16 2016, 05:06 PM

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QUOTE(pspfan @ Mar 16 2016, 04:56 PM)
yes. official word from my senior mgt mbb buddy
*
Will this be the last wave of cutting card benefits?
bearbear
post Mar 16 2016, 05:09 PM

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cut so frequent, madness doh.gif
Yippie123
post Mar 16 2016, 05:10 PM

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QUOTE(JC_jun @ Mar 16 2016, 05:03 PM)
so meaning to say, amex from 5x down to 1x,
what about visa infinite? 2x down to 1x as well (for thoese affected category)
*
Those categories already earning 2 times since the beginning, Gov, Med, Insurance.

As long as they remain same earning for overseas spending and other categories im happy

This post has been edited by Yippie123: Mar 16 2016, 05:10 PM
alex_leo
post Mar 16 2016, 05:11 PM

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Just called MBB to reconfirm, they said all cards under MBB is affected including MBB 2 cards Premier.

MBB 2 cards Premier will the be same as Maybank 2 Platinum Card. I notified them that it is confusing that it was not stated on the MBB 2 cards Premier, so the CS said will report this up and hope to see better version to avoid confusion.

You may refer to the link below.

http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf


JC_jun
post Mar 16 2016, 05:12 PM

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QUOTE(Yippie123 @ Mar 16 2016, 05:10 PM)
Those categories already earning 2 times since the beginning, Gov, Med, Insurance.

As long as they remain same earning for overseas spending and other categories im happy
*
my concern is utilities and petrol
Yippie123
post Mar 16 2016, 05:15 PM

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QUOTE(JC_jun @ Mar 16 2016, 05:12 PM)
my concern is utilities and petrol
*
You must be paying company bills using your card ... If thats the case time for you to look for cashback card...

Education 1x... How about overseas education fees???
JC_jun
post Mar 16 2016, 05:15 PM

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QUOTE(alex_leo @ Mar 16 2016, 05:11 PM)
Just called MBB to reconfirm, they said all cards under MBB is affected including MBB 2 cards Premier.

MBB 2 cards Premier will the be same as Maybank 2 Platinum Card. I notified them that it is confusing that it was not stated on the MBB 2 cards Premier, so the CS said will report this up and hope to see better version to avoid confusion.

You may refer to the link below.

http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf
*
is Visa Infinite affected?

petrol and utilities remain 2x or become 1x?



JC_jun
post Mar 16 2016, 05:17 PM

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QUOTE(Yippie123 @ Mar 16 2016, 05:15 PM)
You must be paying company bills using your card ... If thats the case time for you to look for cashback card...

Education 1x... How about overseas education fees???
*
yup, pay company bill, pay parent house bill, pay own house bill, and my petrol 1 mth near to RM1k ....

starting to find cash back card now.
Yippie123
post Mar 16 2016, 05:19 PM

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I dont understand the tick and cross ... Haha.

Tick means you will earn that points, but Cross? You will earn no points or no change in existing earning ??? Comeon Maybank...... Is not rocket science.
kelvintt
post Mar 16 2016, 05:21 PM

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QUOTE(Yippie123 @ Mar 16 2016, 05:19 PM)
I dont understand the tick and cross ... Haha.

Tick means you will earn that points, but Cross? You will earn no points or no change in existing earning ???  Comeon Maybank...... Is not rocket science.
*
Cross means you will earn no point from that category anymore.
Wongchoy
post Mar 16 2016, 05:25 PM

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Ouch! Cannot use the card and pay cukai pintu and TNB liao:(
Yippie123
post Mar 16 2016, 05:29 PM

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QUOTE(kelvintt @ Mar 16 2016, 05:21 PM)
Cross means you will earn no point from that category anymore.
*
So why we need government 0 points? you could have just crossed it .......
alex_leo
post Mar 16 2016, 05:35 PM

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QUOTE(JC_jun @ Mar 16 2016, 05:15 PM)
is Visa Infinite affected?

petrol and utilities remain 2x or become 1x?
*
Yes
0x and 1x TP
crystal_kit85
post Mar 16 2016, 05:45 PM

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There's no purpose for paying RM800 to maintain this card if that's the case. The bulk of our payments are towards the categories that they have mentioned. Not so much premier after all and I just got my card last week.
Yippie123
post Mar 16 2016, 05:48 PM

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Calling DCTravel..... How about Diamante?
deity01
post Mar 16 2016, 05:50 PM

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QUOTE(kelvintt @ Mar 16 2016, 05:21 PM)
Cross means you will earn no point from that category anymore.
*
cannot be wattt...like petronas card, the petrol category there is a X..this means petronas card dont entitle points for filling petrol at petronas? not possible, right?
Yippie123
post Mar 16 2016, 05:54 PM

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QUOTE(deity01 @ Mar 16 2016, 05:50 PM)
cannot be wattt...like petronas card, the petrol category there is a X..this means petronas card dont entitle points for filling petrol at petronas? not possible, right?
*
Exactly ! Hahaha, now this is funny...
tishaban
post Mar 16 2016, 06:00 PM

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It was good for awhile, but I guess it couldn't last.

Once I lose the 5x TP for Amex and the 4.77 points per KF/AM/Enrich mile I'm out. Thanks Maybank.

muffdiver
post Mar 16 2016, 06:16 PM

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QUOTE(tishaban @ Mar 16 2016, 06:00 PM)
It was good for awhile, but I guess it couldn't last.

Once I lose the 5x TP for Amex and the 4.77 points per KF/AM/Enrich mile I'm out. Thanks Maybank.
*
Looks like the 5X drop to 1X TP is only affecting Govt, Utilities, Petrol, Edu and Insurance. If this goes the same for shopping and other purchases. I will definitely cancel M2P

Same also like what you said about if Maybank reduces the 4.77 points per Enrich. No way am I going to keep it if that is also take away.
aspartame
post Mar 16 2016, 06:51 PM

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Means for other spending like restaurant, hotel, flight, shopping etc Amex Reserve 2 still pay 5 pts and Visa Infinite 2 pts for local and 5 pts for overseas right? That is, no change at all except those categories listed like petrol, governemnt, education etc. Roughly about 30% treat points "earning power" reduced? shakehead.gif

This post has been edited by aspartame: Mar 16 2016, 06:55 PM
bearbear
post Mar 16 2016, 07:54 PM

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they are sure trying hard to lose the customer base
Wongchoy
post Mar 16 2016, 08:58 PM

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Tell you all an open secret. HLB VI is now a good card for those who are affected by the latest MBB fiasco!
terence_say
post Mar 16 2016, 09:04 PM

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Will cancel the card soon
Maybank revise card benefits faster than any other card issuer, I look like a fool if I continue to use Maybank card
Tigerr
post Mar 16 2016, 10:09 PM

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QUOTE(Wongchoy @ Mar 16 2016, 08:58 PM)
Tell you all an open secret. HLB VI is now a good card for those who are affected by the latest MBB fiasco!
*
wise is my main card followed by Uob one card n then only mbb cards

This post has been edited by Tigerr: Mar 16 2016, 10:43 PM
tishaban
post Mar 16 2016, 10:32 PM

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QUOTE(Wongchoy @ Mar 16 2016, 08:58 PM)
Tell you all an open secret. HLB VI is now a good card for those who are affected by the latest MBB fiasco!
*
Again it depends on your primary objective. Most of us have moved away from Enrich and are focusing more on Asia Miles or Krisflyer so the HLB VI doesn't do anything here. The Wise with cashback might be a different story though, at least there is real cash involved.

bearbear
post Mar 16 2016, 10:35 PM

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QUOTE(Wongchoy @ Mar 16 2016, 08:58 PM)
Tell you all an open secret. HLB VI is now a good card for those who are affected by the latest MBB fiasco!
*
i think MBB know their game and is pushing the limit, well how many % of your spending are affected? I would say mine is less than 10%.

Their conversion to miles is still the best, though i really don't know how long more this will last judging by the rate they are reducing the benefit

This post has been edited by bearbear: Mar 16 2016, 10:36 PM
HarpArtist
post Mar 16 2016, 10:50 PM

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mbb advantage is the many merchant that offer discount with their cards. if not for that would have cancelled their cards long ago...worth it to keep a free for life card for those discounts I think.

amex plat is basically a useless card now with the PPL access going straight from unlimited to 0 but they never refused an AF waiver before...so keeping that for discounts.
herc
post Mar 16 2016, 11:44 PM

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QUOTE(bearbear @ Mar 16 2016, 10:35 PM)
i think MBB know their game and is pushing the limit, well how many % of your spending are affected? I would say mine is less than 10%.

Their conversion to miles is still the best, though i really don't know how long more this will last judging by the rate they are reducing the benefit
*
80% of mine
Wongchoy
post Mar 16 2016, 11:56 PM

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QUOTE(bearbear @ Mar 16 2016, 10:35 PM)
i think MBB know their game and is pushing the limit, well how many % of your spending are affected? I would say mine is less than 10%.

Their conversion to miles is still the best, though i really don't know how long more this will last judging by the rate they are reducing the benefit
*
What I know is my insurance and govt bills is RM25k pa. TNB is 8-10k pa . Following the changes, 80k TPs is heading for oblivion !
digidigi
post Mar 17 2016, 12:07 AM

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95% of mine.. Bye bye maybank
JC_jun
post Mar 17 2016, 01:12 AM

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it will affect 80% of my AMEX transaction.

JC_jun
post Mar 17 2016, 02:09 AM

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1 alternative for petrol


Affinbank BHPetrol - 10% weekend BHP, cap RM50


http://www.affinbank.com.my/Consumer-Banki...MasterCard.aspx
terence_say
post Mar 17 2016, 07:48 AM

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Curious that all this recent changes affect Maybank Dianamte as well?

Anyone has the answer ?
tishaban
post Mar 17 2016, 07:51 AM

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For me RM12k-15k annually are with utilities/petrol/government, maybe slightly more. So potentially 25% of my spend.

For me one alternative might be the Amex Gold Credit card which still earns 5x Membership Rewards for petrol (~RM1.2 per AM/KF/Enrich).

psiloveu
post Mar 17 2016, 07:58 AM

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QUOTE(tishaban @ Mar 17 2016, 07:51 AM)
For me RM12k-15k annually are with utilities/petrol/government, maybe slightly more. So potentially 25% of my spend.

For me one alternative might be the Amex Gold Credit card which still earns 5x Membership Rewards for petrol (~RM1.2 per AM/KF/Enrich).
*
You may need to think about the new revision before change to AMEX Gold puke.gif




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psiloveu
post Mar 17 2016, 08:03 AM

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QUOTE(tishaban @ Mar 17 2016, 07:51 AM)
For me RM12k-15k annually are with utilities/petrol/government, maybe slightly more. So potentially 25% of my spend.

For me one alternative might be the Amex Gold Credit card which still earns 5x Membership Rewards for petrol (~RM1.2 per AM/KF/Enrich).
*
Premier Dual Card TP revise bye.gif bye.gif bye.gif bye.gif bye.gif bye.gif bye.gif

http://www.maybank2u.com.my/WebBank/CVP-PremiumCard.pdf


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tishaban
post Mar 17 2016, 08:15 AM

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QUOTE(psiloveu @ Mar 17 2016, 07:58 AM)
You may need to think about the new revision before change to AMEX Gold puke.gif
*
Amex Gold is still free for life, so at least I won't worry about having to meet a minimum annual spend. The biggest problem with Amex gold is splitting the spend ie. my points will be spread across Treatspoints and Membership Rewards, never a good idea unless you have 6-figure or higher spend.

The new chart sucks. I will still keep the M2P card until I get hit by the RM800 annual fee in August, then time to cancel...

psiloveu
post Mar 17 2016, 08:16 AM

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QUOTE(Wongchoy @ Mar 16 2016, 08:58 PM)
Tell you all an open secret. HLB VI is now a good card for those who are affected by the latest MBB fiasco!
*
If you are spend a lot at oversea.......Alliance VI is another choice, equal to RM1.20 spent for 1 miles (but only for enrich miles)
raist86
post Mar 17 2016, 08:22 AM

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Crap... I have close to 10k utilities per month charged to my amex... Guess have to go for cashback card... Any options to recommend?
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post Mar 17 2016, 08:50 AM

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QUOTE(raist86 @ Mar 17 2016, 08:22 AM)
Crap...  I have close to 10k utilities per month charged to my amex... Guess have to go for cashback card... Any options to recommend?
*
I think no point going for those cash back card and what not to save RM50 or RM100 per month. The value of these card is in the points for miles to enjoy luxurious business or first class travel. Will still stick to Premier 2 cos it is still the best despite cutting and maybank knows it. I just hope other banks will step up and launch an aggressive campaign to wrestle away all those higher limit cards via better miles accrual system. I just dont understand. The margin for credit card debt should be high enough for more competitive packages..but no....so far...all also like shit
raist86
post Mar 17 2016, 08:53 AM

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Cos malaysian banks are not competitive enough unlike US banks..

From 50k tp to 10k tp... Geesh. What a big drop.
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post Mar 17 2016, 08:58 AM

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QUOTE(raist86 @ Mar 17 2016, 08:22 AM)
Crap...  I have close to 10k utilities per month charged to my amex... Guess have to go for cashback card... Any options to recommend?
*
Wow! that's a lot of utilities!

Depending on your goal and willingness to take the trouble in order to maximize the cashback. Most if not all, cashback credit cards are capped at RM50 per month, with the exception of HLB WISE at RM100 per month.

And also, channel of paying for the utilities, i.e. via Online, Paying at the Grocery Stores, Autodebit, etc will also rewards you with cashbacks. But then you must be willing to apply for all the cards and apportion your payment accordingly. It will be a lot of hassles.

If I am you, this is like a project that I will need to carefully plan. And if you are into travelling, consider those premium travel cards like sugggested above which will help you fast track to the dream vacation you want on business/first class flights.


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post Mar 17 2016, 09:39 AM

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for those AMEX usage only 10-30% affected, and if the amt not high, can continue stay with premier.
like my case is RM4k per mth in utilities, then getting a 10% cash back worth a lot. imagine if i apply it under my name, my wife, my parents name, 4x RM100 x 12mth = RM4,800

then getting another card for petrol, at least another saving RM700 per year.
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post Mar 17 2016, 10:01 AM

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One good alternative will be SIA Krisflyer Gold

1. 5x Msia PPL access
2. 3000 krisflyer miles upon sign up
3. RM2 = 1 miles awarded; if you spend 60k & above, you will be awarded with basically RM1 = 1 miles

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post Mar 17 2016, 10:09 AM

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QUOTE(bearbear @ Mar 17 2016, 10:01 AM)
One good alternative will be SIA Krisflyer Gold

1. 5x Msia PPL access
2. 3000 krisflyer miles upon sign up
3. RM2 = 1 miles awarded; if you spend 60k & above, you will be awarded with basically RM1 = 1 miles
*
I have that.

Just that Im more into AM than KF, and the bonus miles come in on anniversary, where the AF kicks in too n made me hesitate.
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QUOTE(herc @ Mar 17 2016, 10:09 AM)
I have that.

Just that Im more into AM than KF, and the bonus miles come in on anniversary, where the AF kicks in too n made me hesitate.
*
no waiver regardless of spending?
herc
post Mar 17 2016, 10:14 AM

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QUOTE(bearbear @ Mar 17 2016, 10:11 AM)
no waiver regardless of spending?
*
this is Maybank, so sorry, nope sad.gif

I actually can bet on the anniversary thing, got this KF card few months ago, and suppose AF only kicks in by Sep 2017, if bonus miles can credit in Sep 2016 (less than 12 months usage) then I will go for it.

This post has been edited by herc: Mar 17 2016, 10:16 AM
raist86
post Mar 17 2016, 10:20 AM

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in actual sense, our m2p card earning rate has dropped quite abit after factoring in all the categories that don't earn 5x on amex.... even VI don't give x2 on those categories anymore..

the way i see it, it's like RM 4.77 to 1 mile... it's as good as increasing the redemption point requirement for m2p.
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post Mar 17 2016, 10:23 AM

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QUOTE(raist86 @ Mar 17 2016, 10:20 AM)
in actual sense, our m2p card earning rate has dropped quite abit after factoring in all the categories that don't earn 5x on amex.... even VI don't give x2 on those categories anymore..

the way i see it, it's like RM 4.77 to 1 mile... it's as good as increasing the redemption  point requirement for m2p.
*
yes, if you value EM as RM0.10, then RM0.10/RM4.77 = 2%, still high la.
but what if you value EM as RM0.05? then it becomes 1% cash back

today, i just applied pbb visa signature 6%, and now otw to HongLeong for WISE 10% card
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post Mar 17 2016, 10:49 AM

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i have all the available cash back cards and fully utilized for my spending, so now dunno where to spend for the balance.

TP collection half way, no up no down, sighs.
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post Mar 17 2016, 10:58 AM

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QUOTE(herc @ Mar 17 2016, 10:14 AM)
this is Maybank, so sorry, nope  sad.gif

I actually can bet on the anniversary thing, got this KF card few months ago, and suppose AF only kicks in by Sep 2017, if bonus miles can credit in Sep 2016 (less than 12 months usage) then I will go for it.
*
Just called Amex, they just need 1.5k spending for 6 months to waive the KF Amex card.
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post Mar 17 2016, 11:01 AM

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QUOTE(Fortunekl @ Mar 17 2016, 10:58 AM)
Just called Amex, they just need 1.5k spending for 6 months to waive the KF Amex card.
*
That's a good news! Case by case or can get any black n white?
anwa
post Mar 17 2016, 12:09 PM

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Does anybody know the goverment and education is it worldwide or only Malaysia? Genxyz in his blog seems to say that he now can't pay his children's overseas tuition fee as that education. Would not that be under foreign spend?
Likewise insurance, is it only local insurance?
What if I have UK or Australian investment insurance? Would that be under foreign spend?
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post Mar 17 2016, 12:12 PM

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QUOTE(anwa @ Mar 17 2016, 12:09 PM)
Does anybody know the goverment and education is it worldwide or only Malaysia? Genxyz in his blog seems to say that he now can't pay his children's overseas tuition fee as that education. Would not that be under foreign spend?
Likewise insurance, is it only local insurance?
What if I have UK or Australian investment insurance? Would that be under foreign spend?
*
local insurance and overseas insurance will still be insurance.
Local hotel and overseas hotel will still be hotel.

Foreign spending is when you swipe physically at foreign country in foreign currency.
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post Mar 17 2016, 12:26 PM

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QUOTE(laymank @ Mar 17 2016, 12:12 PM)
local insurance and overseas insurance will still be insurance.
Local hotel and overseas hotel will still be hotel.

Foreign spending is when you swipe physically at foreign country in foreign currency.
*
I think better to call CS to confirm. As I know, as long as u charge non-MYR, then it's considered as foreign spending.

Overseas insurance is considered as insurance. But, I can also say that oversea insurance is considered overseas ma. :-)
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post Mar 17 2016, 12:30 PM

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QUOTE(Fortunekl @ Mar 17 2016, 10:58 AM)
Just called Amex, they just need 1.5k spending for 6 months to waive the KF Amex card.
*
Not too bad then but forced to use SIA only.
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post Mar 17 2016, 12:33 PM

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foreign spending may not be 5x point.

i have many experience, pay customs duty at singapore, only earn 2x TP (mbb did stated that payment to gov body only get 2x TP)

just 2 months ago, i reload my OysterCard at london, payment is to TFL (transport for london) a gov body, only get 2x TP.

i did my tracking day by day, so i can tell this is true.
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post Mar 17 2016, 12:40 PM

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QUOTE(JC_jun @ Mar 17 2016, 12:33 PM)
foreign spending may not be 5x point.

i have many experience, pay customs duty at singapore, only earn 2x TP (mbb did stated that payment to gov body only get 2x TP)

just 2 months ago, i reload my OysterCard at london, payment is to TFL (transport for london) a gov body, only get 2x TP.

i did my tracking day by day, so i can tell this is true.
*
Thanks for the data point, in other words Maybank is looking at the merchant code/category, not what currency it's being charged.

So if your merchant code is government then you won't get 5x treat points no matter what currency it's charged in.

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post Mar 17 2016, 12:42 PM

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Conclusion, better whack all before 15th april lol
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post Mar 17 2016, 12:48 PM

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QUOTE(bearbear @ Mar 17 2016, 12:42 PM)
Conclusion, better whack all before 15th april lol
*
Exactly, withdrawing FD pay advance n whack soon, lol
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post Mar 17 2016, 12:58 PM

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QUOTE(tishaban @ Mar 17 2016, 12:40 PM)
Thanks for the data point, in other words Maybank is looking at the merchant code/category, not what currency it's being charged.

So if your merchant code is government then you won't get 5x treat points no matter what currency it's charged in.
*
then. I charged my malaysia uob one card at Singapore cold storage didn't qualify me the grocery cash back.....
anwa
post Mar 17 2016, 12:58 PM

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QUOTE(laymank @ Mar 17 2016, 12:12 PM)
local insurance and overseas insurance will still be insurance.
Local hotel and overseas hotel will still be hotel.

Foreign spending is when you swipe physically at foreign country in foreign currency.
*
QUOTE(JC_jun @ Mar 17 2016, 12:33 PM)
foreign spending may not be 5x point.

i have many experience, pay customs duty at singapore, only earn 2x TP (mbb did stated that payment to gov body only get 2x TP)

just 2 months ago, i reload my OysterCard at london, payment is to TFL (transport for london) a gov body, only get 2x TP.

i did my tracking day by day, so i can tell this is true.
*
QUOTE(tishaban @ Mar 17 2016, 12:40 PM)
Thanks for the data point, in other words Maybank is looking at the merchant code/category, not what currency it's being charged.

So if your merchant code is government then you won't get 5x treat points no matter what currency it's charged in.
*
This is interesting because I paid Australia Tax Office with the Visa Infinite and got 5xTP despite it being government. That's the reason I ask because important to know with these changes whether it affect foreign spend (ie all foreign spent is 5xTP regardless insurance, gov, education).
I guess when 15 April comes along, can do a test spend first. Anybody with overseas children tuition, maybe can try pay small amount RM100 or something and see what happens and report back?

This post has been edited by anwa: Mar 17 2016, 01:00 PM
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post Mar 17 2016, 12:58 PM

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QUOTE(bearbear @ Mar 17 2016, 12:42 PM)
Conclusion, better whack all before 15th april lol
*
pay 2 years utilities bill in advance?
JC_jun
post Mar 17 2016, 12:59 PM

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I use AMEX, it becomes 2x TP
digidigi
post Mar 17 2016, 01:18 PM

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QUOTE(Tigerr @ Mar 17 2016, 12:58 PM)
pay 2 years utilities bill in advance?
*
Great idea!!!
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post Mar 17 2016, 01:31 PM

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QUOTE(digidigi @ Mar 17 2016, 01:18 PM)
Great idea!!!
*
shocking.gif shocking.gif shocking.gif
DeliciousKixs
post Mar 17 2016, 01:52 PM

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QUOTE(digidigi @ Mar 17 2016, 01:18 PM)
Great idea!!!
*
But mind that if you're paying behalf company. You can't Claim back 6% GST for overpaid
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post Mar 17 2016, 04:00 PM

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Astro and handphone bills considered utilities?
JC_jun
post Mar 17 2016, 04:54 PM

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formed a strategy, this is my own case

Utilities (TNB) roughly RM2.8k per mth, i save RM250 x 12mth = RM3000 per year
RM100 - HLB WISE card, 10% for utilities max cap RM100
RM100 - HLB WISE card, 10% for utilities max cap RM100 (2nd card register using wife name)
RM 50 - PBB Visa Signature, online spending 6%, max cap RM50

Petrol roughly RM 800 per month, by estimation i can save RM 40 x 12mth = RM 480 per year
RM 20 - citibank cash back platinum -5% petrol cap RM20
RM 20 - uob one card platinum - 5% petrol cap RM25 weekend



aspartame
post Mar 17 2016, 06:08 PM

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QUOTE(aspartame @ Mar 17 2016, 04:00 PM)
Astro and handphone bills considered utilities?
*
Also, is Unifi considered utility? Under maybank2u, I think it is. So what exactly does utilities include? Thanks
Wongchoy
post Mar 17 2016, 06:45 PM

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QUOTE(aspartame @ Mar 17 2016, 04:00 PM)
Astro and handphone bills considered utilities?
*
QUOTE(aspartame @ Mar 17 2016, 06:08 PM)
Also, is Unifi considered utility? Under maybank2u, I think it is. So what exactly does utilities include? Thanks
*
ASTRO is under Cable TV
Hand phone, TM and unifi is under Telco but it is interesting to point out that OCBC Titanium used to refer TM trnx as utility! So this is still very much everyone's guess for the moment
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post Mar 17 2016, 09:49 PM

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Die Liao. I swipe 10k a month for my petrol and TNB Bill. Gonna lose a lot of treats points. Any alternative??? 😭😭

Kf one not too bad but Sia hard to claim free seats I heard?

Cashback card too troublesome and hard to keep track. I swipe almost 20k+ a month including utilities. Still good for dining though haha sigh

This post has been edited by Vinci777: Mar 17 2016, 10:19 PM
Yippie123
post Mar 17 2016, 11:11 PM

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In short, it cuts those that use the card to pay for company bills..
azi
post Mar 18 2016, 12:07 AM

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anyone here can report / share what is the latest promo / freebies from applying for this card?

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post Mar 18 2016, 09:18 AM

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QUOTE(azi @ Mar 18 2016, 12:07 AM)
anyone here can report / share what is the latest promo / freebies from applying for this card?
*
can walk around the malls, always see them offering luggage nowadays.
jtl
post Mar 18 2016, 11:39 AM

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Just curious - anyone here applied for this card (and got approved) without meeting the minimum annual income?
psiloveu
post Mar 18 2016, 12:07 PM

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QUOTE(jtl @ Mar 18 2016, 11:39 AM)
Just curious - anyone here applied for this card (and got approved) without meeting the minimum annual income?
*
some applied with existing MBB card limit more than 30K
some applied with pledged FD

Me is one of above criteria laugh.gif
jtl
post Mar 18 2016, 12:09 PM

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So means there is a possibility of approval with existing MBB card limit above 30 k eventhough minimum income not met?
psiloveu
post Mar 18 2016, 12:10 PM

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QUOTE(jtl @ Mar 18 2016, 12:09 PM)
So means there is a possibility of approval with existing MBB card limit above 30 k eventhough minimum income not met?
*
u can try......no harm to request laugh.gif
Wongchoy
post Mar 18 2016, 12:57 PM

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QUOTE(jtl @ Mar 18 2016, 12:09 PM)
So means there is a possibility of approval with existing MBB card limit above 30 k eventhough minimum income not met?
*
Yup. They will either approve the application outright or will require some sort of a collateral, eg RM5k FD pledge for a card member with 25k CL.
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post Mar 18 2016, 01:20 PM

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QUOTE(jtl @ Mar 18 2016, 12:09 PM)
So means there is a possibility of approval with existing MBB card limit above 30 k eventhough minimum income not met?
*
u can email to card services to get the offer letter , after receive the offer letter , u can walk in to any branches to pledge ur FD and they will process ur application.
herc
post Mar 18 2016, 05:42 PM

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sighs, been surveying for few days and cant find the next best alternative card to use after Apr 15.

Anyone can enlighten me? 30k of company utilities bills per month.

P/S: Next to use will be Maybank KF Amex, kind of reluctant because I am more to AM than KF.

This post has been edited by herc: Mar 18 2016, 05:53 PM
genkis3
post Mar 18 2016, 06:09 PM

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any alternative cars for swipe utilities ? especially TNB .
Yippie123
post Mar 18 2016, 06:56 PM

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QUOTE(herc @ Mar 18 2016, 05:42 PM)
sighs, been surveying for few days and cant find the next best alternative card to use after Apr 15.

Anyone can enlighten me? 30k of company utilities bills per month.

P/S: Next to use will be Maybank KF Amex, kind of reluctant because I am more to AM than KF.
*
Honestly they didnt mention M2P into their table. Even those card thats affected, there are some with Cross to it that i assumed they mean no changes...

You are safe to use until they revise the table. Thanks to those who computed the table. LOL
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post Mar 18 2016, 07:07 PM

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QUOTE(genkis3 @ Mar 18 2016, 06:09 PM)
any alternative cars for swipe utilities ? especially TNB .
*
HLB Wise, PBB VS
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post Mar 18 2016, 07:57 PM

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QUOTE(Yippie123 @ Mar 18 2016, 06:56 PM)
Honestly they didnt mention M2P into their table. Even those card thats affected, there are some with Cross to it that i assumed they mean no changes...

You are safe to use until they revise the table. Thanks to those who computed the table. LOL
*
There is another table with all the premium cards. All are affected.

I will apply for KF amex this weekend. I almost hit the spending required for the premier 2 cards 4 months into my 2nd year. I guess the amex Reserve can keep in cold storage liao
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post Mar 18 2016, 08:20 PM

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QUOTE(bearbear @ Mar 18 2016, 07:57 PM)
There is another table with all the premium cards. All are affected.

I will apply for KF amex this weekend. I almost hit the spending required for the premier 2 cards 4 months into my 2nd year. I guess the amex Reserve can keep in cold storage liao
*
Ah i must have missed that one. It seems like Diamante is the only way to go ?
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post Mar 18 2016, 09:39 PM

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QUOTE(bearbear @ Mar 18 2016, 07:57 PM)
There is another table with all the premium cards. All are affected.

I will apply for KF amex this weekend. I almost hit the spending required for the premier 2 cards 4 months into my 2nd year. I guess the amex Reserve can keep in cold storage liao
*
Do they charge the AF then reverse back? Or just nothing?
DeliciousKixs
post Mar 18 2016, 10:51 PM

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Diamanté also got revision, cause it's under visa infinite category
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QUOTE(herc @ Mar 18 2016, 09:39 PM)
Do they charge the AF then reverse back? Or just nothing?
*
No charge and no reverse
karcity
post Mar 18 2016, 11:15 PM

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QUOTE(genkis3 @ Mar 18 2016, 06:09 PM)
any alternative cars for swipe utilities ? especially TNB .
*
Why need to look for alternative m? MBB 2premier still has treat points for utilities right?
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QUOTE(DeliciousKixs @ Mar 18 2016, 10:51 PM)
Diamanté also got revision, cause it's under visa infinite category
*
But it didnt say Diamante in specific right? Since it says MU VI, VI in specific ?
karcity
post Mar 18 2016, 11:21 PM

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QUOTE(herc @ Mar 18 2016, 05:42 PM)
sighs, been surveying for few days and cant find the next best alternative card to use after Apr 15.

Anyone can enlighten me? 30k of company utilities bills per month.

P/S: Next to use will be Maybank KF Amex, kind of reluctant because I am more to AM than KF.
*
All the while how did you pay your utilities bills?
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post Mar 19 2016, 01:10 AM

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QUOTE(karcity @ Mar 18 2016, 11:21 PM)
All the while how did you pay your utilities bills?
*
I suppose use amex via m2u?
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post Mar 19 2016, 01:33 PM

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QUOTE(karcity @ Mar 18 2016, 11:21 PM)
All the while how did you pay your utilities bills?
*
Amex reserve via m2u, or tnb kiosk
karcity
post Mar 19 2016, 02:36 PM

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QUOTE(herc @ Mar 19 2016, 01:33 PM)
Amex reserve via m2u, or tnb kiosk
*
Still get 1x treat points right?
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post Mar 19 2016, 04:51 PM

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QUOTE(karcity @ Mar 19 2016, 02:36 PM)
Still get 1x treat points right?
*
Ya. Why not pay at Sam grocer it's 5x.
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post Mar 19 2016, 07:16 PM

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QUOTE(CAFE21 @ Mar 19 2016, 04:51 PM)
Ya. Why not pay at Sam grocer it's 5x.
*
Sam grocer captured as groceries? Accept amex? Any daily limit?
CAFE21
post Mar 19 2016, 08:02 PM

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QUOTE(herc @ Mar 19 2016, 07:16 PM)
Sam grocer captured as groceries? Accept amex? Any daily limit?
*
Ya..it's groceries not sure they accept Amex, but I think yes. Not sure about the limit thing. Will check out when I go next time. Pls update if u get the info. BTW, did u sign up for the SPG gold?
herc
post Mar 19 2016, 08:26 PM

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QUOTE(CAFE21 @ Mar 19 2016, 08:02 PM)
Ya..it's groceries not sure they accept Amex, but I think yes. Not sure about the limit thing. Will check out when I go next time. Pls update if u get the info. BTW, did u sign up for the SPG gold?
*
Thanks in advance.

No I dun have spg gold, just had HH gold, for fun.
CAFE21
post Mar 19 2016, 09:20 PM

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QUOTE(herc @ Mar 19 2016, 08:26 PM)
Thanks in advance.

No I dun have spg gold, just had HH gold, for fun.
*
HH gold free with visa infinite? Any benefits?
TSmaskedchan
post Mar 19 2016, 09:42 PM

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QUOTE(CAFE21 @ Mar 19 2016, 09:20 PM)
HH gold free with visa infinite? Any benefits?
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Yes. Free. Benefit refer to hhonor website
karcity
post Mar 19 2016, 10:07 PM

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QUOTE(herc @ Mar 19 2016, 07:16 PM)
Sam grocer captured as groceries? Accept amex? Any daily limit?
*
RM500 per transaction per counter per day.
anwa
post Mar 20 2016, 11:59 AM

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Called up CSR to further inquire about the upcoming points earn changes.

1. For utilities, it only effect things like TNB, Indah Water, does not effect telco/internet (celcom, tmnet, maxis) - still 5 points.

2. For petrol accross the board 1 point down from 5 points. However card like petronas platinum, will still earn the bonus points as stated when pump at petronas.

3. For gov and education, will include those from overseas as long as the terminal (?merchant code) is gov or education. However, many gov and education institution overseas may not use the relevant terminal/code and thus will still get 5 points. Looks like will have to do testing, eg if paying for children's tuition overseas, I think test swipe minimal amount first and see how many points posted. I will be doing that for Australia Tax Office too.

So overall, I think the effect on me will be my petrol (RM200/month, lost of 800points/mth, 5points to 1point) and insurance (RM3000/month, lost of 3000points/mth, 2points to 1point). Don't have much electricity/water payment. Over a year that's about 9-10k enrich points lost. Got to figure out if worth the effort to apply / swipe other cards (HLB VI?). Likewise for upcoming LHDN payment...better quickly pay before 15 April..at least get 2 points instead of zero.
fruitie
post Mar 21 2016, 01:50 PM

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QUOTE(herc @ Mar 19 2016, 07:16 PM)
Sam grocer captured as groceries? Accept amex? Any daily limit?
*
Yes, accepts AmEx and counted as groceries. I guess RM 1,000 per transaction?
I always frequent Sam's Groceria though if I have the time I will ask.

I know for their TnG limit is RM 500 per reload, you can reload few times.

This post has been edited by fruitie: Mar 21 2016, 01:50 PM
herc
post Mar 21 2016, 03:52 PM

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QUOTE(fruitie @ Mar 21 2016, 01:50 PM)
Yes, accepts AmEx and counted as groceries. I guess RM 1,000 per transaction?
I always frequent Sam's Groceria though if I have the time I will ask.

I know for their TnG limit is RM 500 per reload, you can reload few times.
*
thanks for ur help. Tho i dont visit Sam's much, but if it works, its worth the effort to visit.
fruitie
post Mar 21 2016, 03:54 PM

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QUOTE(herc @ Mar 21 2016, 03:52 PM)
thanks for ur help. Tho i dont visit Sam's much, but if it works, its worth the effort to visit.
*
OK. I just paid my bills last week and all my bills for March are settled. So, if I pass by there, I will check it out.

I'm like an Ambassador for Sam's Groceria in this section. laugh.gif
CAFE21
post Mar 21 2016, 07:35 PM

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QUOTE(herc @ Mar 21 2016, 03:52 PM)
thanks for ur help. Tho i dont visit Sam's much, but if it works, its worth the effort to visit.
*
Just check with them just now. RM500 cap per counter per trans. Need to go few counter if a lot. Today their card terminal is down at kl Sentral. If u sign up for the membership programme get additional 1% "cashback". RM1000 spend is RM10 voucher.
CAFE21
post Mar 21 2016, 07:37 PM

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QUOTE(fruitie @ Mar 21 2016, 03:54 PM)
OK. I just paid my bills last week and all my bills for March are settled. So, if I pass by there, I will check it out.

I'm like an Ambassador for Sam's Groceria in this section. laugh.gif
*
Which card u use to pay PTPTN? How nice if SAM accept PTPTN payment. Next mth onwards dun know which card to use for govern trans.
fruitie
post Mar 21 2016, 08:06 PM

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QUOTE(CAFE21 @ Mar 21 2016, 07:35 PM)
Just check with them just now. RM500 cap per counter per trans. Need to go few counter if a lot. Today their card terminal is down at kl Sentral. If u sign up for the membership programme get additional 1% "cashback". RM1000 spend is RM10 voucher.
*
You can even pay the membership of RM 12 with your credit card and will be calculated as groceries too. tongue.gif The membership is for lifetime and once you sign up, you will get a RM 10 voucher.

Remember to sign up before making any transaction, because the points cannot be backdated.

QUOTE(CAFE21 @ Mar 21 2016, 07:37 PM)
Which card u use to pay PTPTN? How nice if SAM accept PTPTN payment. Next mth onwards dun know which card to use for govern trans.
*
They are using ePay, how can have PTPTN? laugh.gif
I haven't started using any CC to pay PTPTN yet.
Reventon
post Mar 21 2016, 09:18 PM

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Hi , wanna ask how to redeem enrich miles with amex premier tp ?
psiloveu
post Mar 21 2016, 09:21 PM

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QUOTE(Reventon @ Mar 21 2016, 09:18 PM)
Hi , wanna ask how to redeem enrich miles with amex premier tp ?
*
Call the cs number at behind of the card, tell cs u want to redeem. They will calculate how many pts can be used for redemption. Give your enrich card number, done.
Reventon
post Mar 21 2016, 09:27 PM

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Is the redemption live ? I mean instant or need a few working days ?
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post Mar 21 2016, 09:34 PM

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QUOTE(Reventon @ Mar 21 2016, 09:27 PM)
Is the redemption live ? I mean instant or need a few working days ?
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Need a few working days. Not instant.
bearbear
post Mar 21 2016, 10:39 PM

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ok gonna apply a standalone VI & Krisflyer Amex this week.

My premier already hit required spending for AF waiver, time to go cold storage. Need to be cheapskate nowadays calculate to last cents yawn.gif
terence_say
post Mar 22 2016, 10:18 PM

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I had successfully transfer my TP from Maybank 2 card platinum to my Maybank MU VI

No any special trick, all by luck, i believe their system allow this trasfer, only problem is the officer willing to do it or not.

Anyone intend to do so can try to call.


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post Mar 22 2016, 10:40 PM

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QUOTE(terence_say @ Mar 22 2016, 10:18 PM)
I had successfully transfer my TP from Maybank 2 card platinum to my Maybank MU VI

No any special trick, all by luck, i believe their system allow this trasfer, only problem is the officer willing to do it or not.

Anyone intend to do so can try to call.
*
good for you, i tried for my friend a few times also cannot.
raist86
post Mar 23 2016, 10:00 AM

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guys, i've called the cust service to check on a few things.
They told me Telco such as telekom, maxis, p1 all is considered under utilities. When asked for black and white, say don't have b&w, it all depends on the code on the CC terminal.

Gawd, hate this kind of uncertainty. it's like playing jackpot when we're paying our bills. Strike jackpot, you get 5x. if not then it's x1.
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post Mar 23 2016, 10:36 AM

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QUOTE(raist86 @ Mar 23 2016, 10:00 AM)
guys, i've called the cust service to check on a few things.
They told me Telco such as telekom, maxis, p1 all is considered under utilities. When asked for black and white, say don't have b&w, it all depends on the code on the CC terminal.

Gawd, hate this kind of uncertainty. it's like playing jackpot when we're paying our bills. Strike jackpot, you get 5x. if not then it's x1.
*
but the CS is stating the fact.

you can own a retail shop but reusing the old card terminal used when you started as restaurant, your terminal MCC will remains at restaurant cause the bank would not know your business nature has changed and the owner would most probably didn't care to register/update merchant account due to cost and paperwork, after all, there is no impact in card processing for the customer and bank.
raist86
post Mar 23 2016, 10:55 AM

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yea.. that part i know.

but if you're paying bills like autopay with telekom, maxis, digi and celcom, it'll be treated as utilities and hence x1 only..

well have to try out for 1 month to confirm this. If this is really the case, just gonna switch out the autobilling to other VI cards.
psiloveu
post Mar 23 2016, 10:58 AM

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QUOTE(raist86 @ Mar 23 2016, 10:55 AM)
yea.. that part i know.

but if you're paying bills like autopay with telekom, maxis, digi and celcom, it'll be treated as utilities and hence x1 only..

well have to try out for 1 month to confirm this. If this is really the case, just gonna switch out the autobilling to other VI cards.
*

since your utilities bill amount is high, can consider HLB fortune card......If you can hit more than 100K spending per annual, the cash back is more than 2% biggrin.gif
TSmaskedchan
post Mar 23 2016, 11:19 AM

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QUOTE(psiloveu @ Mar 23 2016, 10:58 AM)
since your utilities bill amount is high, can consider HLB fortune card......If you can hit more than 100K spending per annual, the cash back is more than 2% biggrin.gif
*
i think the people using premier card not after cash back..
they are more interested in air miles..
psiloveu
post Mar 23 2016, 11:33 AM

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QUOTE(maskedchan @ Mar 23 2016, 11:19 AM)
i think the people using premier card not after cash back..
they are more interested in air miles..
*
I understand the main purpose of holding premier dual, but he did mention to get a cash back card for replacement, so i suugest him to consider hlb card.

Btw, for utilities expenses, hlb or alliance vi can be the choices for airmiles convertion, right?


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raist86
post Mar 23 2016, 12:40 PM

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After calculation, cashback tbh is lower value to me than airmiles. So applying for alliance vi. Hope they approve me asap.
Wongchoy
post Mar 23 2016, 12:53 PM

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QUOTE(raist86 @ Mar 23 2016, 10:00 AM)
guys, i've called the cust service to check on a few things.
They told me Telco such as telekom, maxis, p1 all is considered under utilities. When asked for black and white, say don't have b&w, it all depends on the code on the CC terminal.

Gawd, hate this kind of uncertainty. it's like playing jackpot when we're paying our bills. Strike jackpot, you get 5x. if not then it's x1.
*
From what I'm told, the impacted category for utilities will be MCC4900-utilities which affect water and electricity. Telco services with MCC 4814 is not affected.
raist86
post Mar 23 2016, 01:53 PM

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QUOTE(Wongchoy @ Mar 23 2016, 12:53 PM)
From what I'm told, the impacted category for utilities will be MCC4900-utilities which affect water and electricity. Telco services with MCC 4814 is not affected.
*
guess just have to try it out after 15th april and see.. even the CS themselves are in the dark and not fully briefed.
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post Mar 24 2016, 01:46 AM

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QUOTE(raist86 @ Mar 23 2016, 12:40 PM)
After calculation, cashback tbh is lower value to me than airmiles. So applying for alliance vi. Hope they approve me asap.
*
Bro wouldn't alliance visa platinum would be better??

2x points for petrol, groceries and utilities. Spend 3000 for 1000 enrich instead of 4770 using Maybank.

This post has been edited by Vinci777: Mar 24 2016, 01:49 AM
ryogamy
post Mar 24 2016, 01:56 AM

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I think maybank and other banks will continue cut down all benefit for credit cards, because the bank negara cut down the interchange fee until 2020, after 2020, will getting lower, so all credit card benefit will drop again ><

raist86
post Mar 24 2016, 07:31 AM

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QUOTE(Vinci777 @ Mar 24 2016, 01:46 AM)
Bro wouldn't alliance visa platinum would be better??

2x points for petrol, groceries and utilities. Spend 3000 for 1000 enrich instead of 4770 using Maybank.
*
VI has x5 for overseas spending. on top of that, comes with Priority Pass..


CAFE21
post Mar 24 2016, 09:53 AM

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QUOTE(raist86 @ Mar 24 2016, 07:31 AM)
VI has x5 for overseas spending. on top of that, comes with Priority Pass..
*
Alliance VI comes with priority pass? Is it limited or unlimited usage? HLB VI RM2.80 = 1 ENRICH MILES.
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post Mar 24 2016, 10:29 AM

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QUOTE(raist86 @ Mar 24 2016, 07:31 AM)
VI has x5 for overseas spending. on top of that, comes with Priority Pass..
*
Yea its not a bad alternative. But it means retail spend not sure if utilities are considered though. But the 5x overseas still lower than M2U VI/Amex, same goes to local trx. However it only need rm30k for free waiver. Alot easier haha

QUOTE(CAFE21 @ Mar 24 2016, 09:53 AM)
Alliance VI comes with priority pass? Is it limited or unlimited usage? HLB VI RM2.80 = 1 ENRICH MILES.
*
Yes PP. Free 6 times for first year then u need to spend 150k p/a for 12 times and 300k for unlimited times
CAFE21
post Mar 24 2016, 10:41 AM

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QUOTE(Vinci777 @ Mar 24 2016, 10:29 AM)
Yea its not a bad alternative. But it means retail spend not sure if utilities are considered though. But the 5x overseas still lower than M2U VI/Amex, same goes to local trx. However it only need rm30k for free waiver. Alot easier haha
Yes PP. Free 6 times for first year then u need to spend 150k p/a for 12 times and 300k for unlimited times
*
Ouch..that's a lot 150k.
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post Mar 24 2016, 03:35 PM

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QUOTE(CAFE21 @ Mar 24 2016, 10:41 AM)
Ouch..that's a lot 150k.
*
Maybe for the meanwhile I'll get Alliance Visa Plat to maximize enrich points from petrol and utilities. biggrin.gif
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post Mar 24 2016, 03:49 PM

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Received a letter from Maybank saying Priority Pass will be discontinued. Plaza Premium Lounge can use 5 times locally plus overseas(singapore, hong kong, shanghai, vancouver, london, macau, india, oman etc) however, no mention of whether supplementary card holder of visa infinite can enter?
CAFE21
post Mar 24 2016, 03:53 PM

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QUOTE(aspartame @ Mar 24 2016, 03:49 PM)
Received a letter from Maybank saying Priority Pass will be discontinued. Plaza Premium Lounge can use 5 times locally plus overseas(singapore, hong kong, shanghai, vancouver, london, macau, india, oman etc) however, no mention of whether supplementary card holder of visa infinite can enter?
*
I called them about the supp card. Answer is cannot. But last time also say cannot but some tried using supp card to enter but it was not charged later on. Maybe just wait n see who tested.
fruitie
post Mar 24 2016, 04:09 PM

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QUOTE(hksze1985 @ Mar 22 2016, 02:06 PM)
maybank had added in more overseas ppl for visa infinite card holder access ..

[attachmentid=6219945]
[attachmentid=6219947]

Terms & Conditions

Access to the Plaza Premium Lounge is only applicable for Principal cardmembers only
Subject to terms and conditions of respective Plaza Premium Lounge
20% savings from the published walk in rate should the 5 times complimentary access be exceeded*
20% savings for each accompanying guest to the lounge*
Enjoy up to 3 hours lounge use, include: food & beverages, internet access, international newspaper & magazines, international TV channels, left luggage, flight information subject to respective airport lounges **
*Except to Shanghai Pudong International Airport (PVG) No 77 VIP Lounge (International Departures, Terminal 2)
** Except to Shanghai Pudong International Airport (PVG) No 77 VIP Lounge (International Departures, Terminal 2) and Ibrahim Nasir International Airport, MALE - 2 hours lounge use
*
QUOTE(aspartame @ Mar 24 2016, 03:49 PM)
Received a letter from Maybank saying Priority Pass will be discontinued. Plaza Premium Lounge can use 5 times locally plus overseas(singapore, hong kong, shanghai, vancouver, london, macau, india, oman etc) however, no mention of whether supplementary card holder of visa infinite can enter?
*
QUOTE(CAFE21 @ Mar 24 2016, 03:53 PM)
I called them about the supp card. Answer is cannot. But last time also say cannot but some tried using supp card to enter but it was not charged later on. Maybe just wait n see who tested.
*
Quoted above from PPL thread: https://forum.lowyat.net/index.php?showtopi...post&p=79211421
bearbear
post Mar 26 2016, 12:15 AM

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I tried to apply standalone VI at KLCC today and the customer service tol me that she is not sure if it can be done as I already have one with my M2Premier.

I insist it can be done thus it was submitted and will wait to hear from them.

have to say I am disappointed with KLCC branch, I was given a number and the counter that service me told me she cant do anything as I am existing user. had to wait again and total of 30 mins of queue. I visitted 1U outlet many times and never wait for.more than 10 mins
DeliciousKixs
post Mar 26 2016, 01:55 PM

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QUOTE(bearbear @ Mar 26 2016, 12:15 AM)
I tried to apply standalone VI at KLCC today and the customer service tol me that she is not sure if it can be done as I already have one with my M2Premier.

I insist it can be done thus it was submitted and will wait to hear from them.

have to say I am disappointed with KLCC branch, I was given a number and the counter that service me told me she cant do anything as I am existing user. had to wait again and total of 30 mins of queue. I visitted 1U outlet many times and never wait for.more than 10 mins
*

The gardens team are quite professional. I applied all my cards over there.
rjb123
post Mar 28 2016, 04:09 PM

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Any issues with overpaying utilities before the TP rates change?

Looking to pay maybe 6-12 months in advance for TNB, Maxis etc. before April.
herc
post Mar 28 2016, 04:17 PM

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QUOTE(rjb123 @ Mar 28 2016, 04:09 PM)
Any issues with overpaying utilities before the TP rates change?

Looking to pay maybe 6-12 months in advance for TNB, Maxis etc. before April.
*
no problem.
rjb123
post Mar 28 2016, 04:18 PM

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QUOTE(herc @ Mar 28 2016, 04:17 PM)
no problem.
*
Good stuff.

Going to pay lots of stuff in advance then, make the most of the current rates smile.gif
BrandNewStart
post Mar 28 2016, 06:07 PM

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QUOTE(rjb123 @ Mar 28 2016, 04:09 PM)
Any issues with overpaying utilities before the TP rates change?

Looking to pay maybe 6-12 months in advance for TNB, Maxis etc. before April.
*
I thought maxis not affected ? Or is it?
CAFE21
post Mar 28 2016, 08:39 PM

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QUOTE(BrandNewStart @ Mar 28 2016, 06:07 PM)
I thought maxis not affected ? Or is it?
*
Telcos not affected.
blackchides
post Mar 29 2016, 09:43 AM

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Sorry, to be sure, maxis and unifi wont be affected?
bearbear
post Mar 29 2016, 10:08 AM

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QUOTE(bearbear @ Mar 26 2016, 12:15 AM)
I tried to apply standalone VI at KLCC today and the customer service tol me that she is not sure if it can be done as I already have one with my M2Premier.

I insist it can be done thus it was submitted and will wait to hear from them.

have to say I am disappointed with KLCC branch, I was given a number and the counter that service me told me she cant do anything as I am existing user. had to wait again and total of 30 mins of queue. I visitted 1U outlet many times and never wait for.more than 10 mins
*
Anyway after my small little drama at KLCC, maybank never call back but can see new VI appeared in M2u.
herc
post Mar 29 2016, 10:39 AM

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QUOTE(blackchides @ Mar 29 2016, 09:43 AM)
Sorry, to be sure, maxis and unifi wont be affected?
*
Best u call CS to check.

The category listed by Maybank is kind of general because they did not specified MCC code, hence no one know how they grouping each other. ie, waterbill in Kedah, is captured as Utilities by Hong Leong but Government Payment by Maybank coz its state-owned.
jtl
post Mar 29 2016, 10:54 AM

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QUOTE(bearbear @ Mar 29 2016, 10:08 AM)
Anyway after my small little drama at KLCC, maybank never call back but can see new VI appeared in M2u.
*
Just curious, why would you need a VI standalone if you already have the Premier? Are the benefits different?
kelvintt
post Mar 29 2016, 11:03 AM

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QUOTE(jtl @ Mar 29 2016, 10:54 AM)
Just curious, why would you need a VI standalone if you already have the Premier? Are the benefits different?
*
It gives you another 5x separate entries to PPL.
diablo2
post Mar 29 2016, 07:00 PM

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QUOTE(kelvintt @ Mar 29 2016, 11:03 AM)
It gives you another 5x separate entries to PPL.
*
Also separate annual minimum spend requirements for fee waiver, RM80K for M2Premier and RM50K for the standalone VI.

Maybank refused to waive the annual fee for my Maybank VS though my spending on M2Premier alone was in excess of the minimum spend for both cards combined.
And with all the reduction in benefits, it was a no brainer to cancel the VS.
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QUOTE(diablo2 @ Mar 29 2016, 07:00 PM)
Also separate annual minimum spend requirements for fee waiver, RM80K for M2Premier and RM50K for the standalone VI.

Maybank refused to waive the annual fee for my Maybank VS though my spending on M2Premier alone was in excess of the minimum spend for both cards combined.
And with all the reduction in benefits, it was a no brainer to cancel the VS.
*
get another standalone VI or another pair of M2Premier then
jtl
post Mar 30 2016, 08:20 AM

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From experience, how long does it normally take from the time you see the cards in your M2U to physically receiving the cards?
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post Mar 30 2016, 08:24 AM

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QUOTE(jtl @ Mar 30 2016, 08:20 AM)
From experience, how long does it normally take from the time you see the cards in your M2U to physically receiving the cards?
*
within a week, I got mine after 3 days.
jtl
post Mar 30 2016, 08:59 AM

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QUOTE(kwokwah @ Mar 30 2016, 08:24 AM)
within a week, I got mine after 3 days.
*
Thanks
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post Mar 30 2016, 10:53 AM

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anyone tried to get Accor Hotel Platinum upgrade status?
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QUOTE(camper_davidyong @ Mar 30 2016, 10:53 AM)
anyone tried to get Accor Hotel Platinum upgrade status?
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What do you mean? There's a promotion whereby you could make use of VI for Accor Plat fast track?
TSmaskedchan
post Mar 30 2016, 11:49 AM

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QUOTE(minthiam @ Mar 30 2016, 11:28 AM)
What do you mean? There's a promotion whereby you could make use of VI for Accor Plat fast track?
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i believe he post at wrong thread!!! bruce.gif
Felice821
post Apr 1 2016, 11:29 AM

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I paid my exam fees online AU$2080 with AMEX Reserve. So should the TPx5 or only x1?
Wongchoy
post Apr 1 2016, 01:06 PM

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QUOTE(Felice821 @ Apr 1 2016, 11:29 AM)
I paid my exam fees online AU$2080 with AMEX Reserve. So should the TPx5 or only x1?
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Should be 2xTPs. Oops u should have used VI for it earns 5x.
Felice821
post Apr 1 2016, 01:11 PM

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QUOTE(Wongchoy @ Apr 1 2016, 01:06 PM)
Should be 2xTPs. Oops u should have used VI for it earns 5x.
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VI? I thought Reserve points higher. No?
TSmaskedchan
post Apr 1 2016, 01:24 PM

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QUOTE(Felice821 @ Apr 1 2016, 01:11 PM)
VI? I thought Reserve points higher. No?
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both card earn 5x TPs for oversea transaction..
since your might fall under education..might be only 2x TP if use VI while AMEX only 1x TP..

anyway should use VI since lower exchange rate compare to AMEX..

kelvintt
post Apr 1 2016, 01:40 PM

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QUOTE(maskedchan @ Apr 1 2016, 01:24 PM)
both card earn 5x TPs for oversea transaction..
since your might fall under education..might be only 2x TP if use VI while AMEX only 1x TP..

anyway should use VI since lower exchange rate compare to AMEX..
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I think Amex is 2x for education, while VI still 5x for overseas trx. The TP revision to 1x for edu only take effect from 15-Apr onwards.
DeliciousKixs
post Apr 1 2016, 02:00 PM

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QUOTE(Wongchoy @ Apr 1 2016, 01:06 PM)
Should be 2xTPs. Oops u should have used VI for it earns 5x.
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Both cards earn 5x treat points oversea, regardless education
TSmaskedchan
post Apr 1 2016, 02:09 PM

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QUOTE(DeliciousKixs @ Apr 1 2016, 02:00 PM)
Both cards earn 5x treat points oversea, regardless education
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there are someone reported only earn 2x TPs for oversea education...
Felice821
post Apr 1 2016, 02:10 PM

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QUOTE(DeliciousKixs @ Apr 1 2016, 02:00 PM)
Both cards earn 5x treat points oversea, regardless education
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Then I need to call CS. The trx only got 1xTP and I made the trx mid March.
jtl
post Apr 1 2016, 10:22 PM

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When you guys received your cards, did you receive a welcome kit? What was in it? I received my cards with a brochure detailing the benefits of the M2C Platinum and Gold. No material on the Premier cards at all
Vinci777
post Apr 2 2016, 12:09 AM

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QUOTE(jtl @ Apr 1 2016, 10:22 PM)
When you guys received your cards, did you receive a welcome kit? What was in it? I received my cards with a brochure detailing the benefits of the M2C Platinum and Gold. No material on the Premier cards at all
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Same as mine. Supplementaries as well. Looked cheapskate lol. Other cards would have a thick booklet at least haha
lkc7947
post Apr 2 2016, 01:16 AM

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QUOTE(Vinci777 @ Apr 2 2016, 12:09 AM)
Same as mine. Supplementaries as well. Looked cheapskate lol. Other cards would have a thick booklet at least haha
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Attached Image
Same here. Just received mine yesterday. After I applied only I know there will be a revision. Damn it!!!
Augus7
post Apr 2 2016, 05:37 AM

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I think this whole travel insurance thing if we charge an airline ticket to the credit card is a sham. I have the Maybank2Premier, recently i missed a domestic flight and called them for insurance claim (flight replacement perhaps), but they only say for overseas flight. WTF man, it was not even mentioned in T&C
JC_jun
post Apr 2 2016, 08:16 AM

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QUOTE(Augus7 @ Apr 2 2016, 05:37 AM)
I think this whole travel insurance thing if we charge an airline ticket to the credit card is a sham. I have the Maybank2Premier, recently i missed a domestic flight and called them for insurance claim (flight replacement perhaps), but they only say for overseas flight. WTF man, it was not even mentioned in T&C
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It is stated in the policy
http://www.maybank2u.com.my/iwov-resources...rtInsurance.pdf

Read the section of missed connection.


In fact, most of other card's insurance or travel insurance do the same.
MyStiC
post Apr 2 2016, 09:16 AM

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Hi guy, I have a non-utilised debit that I have gotten from the cash back campaign for my Amex gold which I dont use anymore. Is there any way I could offset it to my M2Premier credit?
fruitie
post Apr 2 2016, 10:29 AM

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QUOTE(MyStiC @ Apr 2 2016, 09:16 AM)
Hi guy, I have a non-utilised debit that I have gotten from the cash back campaign for my Amex gold which I dont use anymore. Is there any way I could offset it to my M2Premier credit?
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You can ask CS to transfer it to your premier card.
aspartame
post Apr 2 2016, 10:43 AM

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QUOTE(jtl @ Apr 1 2016, 10:22 PM)
When you guys received your cards, did you receive a welcome kit? What was in it? I received my cards with a brochure detailing the benefits of the M2C Platinum and Gold. No material on the Premier cards at all
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Could be a mistake? It doesn;t make sense to send brochures of platinum and gold but card is reserve. Might s well dun send.
Alec.Yong
post Apr 2 2016, 11:37 AM

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QUOTE(lkc7947 @ Apr 2 2016, 01:16 AM)
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Same here. Just received mine yesterday. After I applied only I know there will be a revision. Damn it!!!
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Your VI card is the old stock?wink.gif
Tigerr
post Apr 2 2016, 04:07 PM

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