or to start spending.. haha.. 

Just thought of sharing this whether u have or don't have this MBB cards yet. Maybe this can give u some information and would be interesting to know if this is the same for u.

Personally, I use Maybank 2 Cards Premier the most and yet my credit limit is not the highest as compared to other cards I hold. I think Maybank is very stingy (careful) with the credit limits!

1. I got my cards 2 years ago when I declare an income of slightly over RM120k (the eligibility requirement). Credit limit was given at RM40k then. Before that, I have been using the Maybank 2 Platinum Card since 2011 and it has always been at RM30k but then I never submitted any request for more limit.

2. Last year, I declared less than RM120k income, but when I request for a permanent credit limit, I was given an additional RM10k limit to RM50k.

3. This year, still declaring nothing more than RM120k, I am given yet another RM10k as well to a total of RM60 limit.

What is your experience with permanent credit limit request with Maybank?

Happened so that this is tied with this 2 cards but for comparison, my basic Citibank Clear card which I use only 3 or 4 times a month just to buy Coffee Beans - buy 1 free 1 has double the limit of Maybank. And I thought "Visa Infinite" card and all would be easier on the credit limits.

Yes. You can either use 3 months payslips / EPF or use EA form.

Request for permanent increase twice a year. Once after u got your EA form. The other using your payslips.

Payslips is relatively easy I guess. This is what u can do:

Make 3 months where u really transfer the money into your savings for each month consecutively:

Gross pay
RM 10,000.00
Deductions
RM 1,891.65
Net pay
RM 8,108.35
Company contribution
EPF
RM 1,200.00
LHDN
RM 1,091.65

This means to show the bank you have RM10k income, bank in Nett RM8108.35 to your savings, RM1.2k to your EPF and another RM1,091.65 for your PCB. Do this 3 months. Transfer within the first week every month the exact amount.

OR

If you have decent amount from your EA form (Say already 120k there), just submit that ONE piece of EA form is enough already!

Temporarily credit limit under medical or overseas? Or under retail transaction?

Just call and they approve it for temporarily cl?

You don't really need temporary increase..
There's one time I bought something about RM40k+ and my credit limit is 30k.. The trick? Just transfer money to your credit card and the limit increases to 40k =) Without even need to call the bank. Of course this means you need to have cash on hand

wow, saver or standard award?

tat's awesome, SIN-FRA-JFK??

WOW! super hard to get the route, u like hitting jackpot d bro, grats n enjoy ur flight!

1 way or return?

Hi all, just a quick question.. where does the amex reserve stand in amex portfolio, is it considered a platinum card? Secondly, can we get access into the centurion lounge with this card? thank you.

It actually matters coz the Amex Reserve has a limit while the Amex Centurion does not have one

Basically to enter the Centurion Lounge, I think the Amex Platinum Charge card allows that.

Centurion is not really super hard to get invited. I have few friends who are just upper middle class but they received a call to join the Centurion club 1 year ago or so.
https://www.thecenturionlounge.com

Amex Platinum Charge Card and Centurion only to be eligible.

Sydney's Amex lounge is not the Centurion lounge.

Upper middle class = Basically people who can afford to splurge?

Just saying that the criteria for a Centurion is not fixed unlike MBB Visa Diamante for example.

You can get your way for a Centurion if you can rake up those charges and pay them on time.

And afford the heft invitation fees.

I think that definition = You can search #RKOI at instagram.

That's the level of Centurion holders probably 

Yes

Hmm... obviously they failed to note that it was a supplementary card.... interesting potential loophole....lol

In general, VISA has lower rate compare to AMEX. So I always go for VISA first since both get me 5X points, but VISA has a better conversion rate.

so when overseas is it better to use AMEX or VISA ? both will have 5x yes ? And how does one check the conversion rate beforehand ?