Wasted one whole day at 1U MBB card centre just to do those.

I have lots of kids.

Insurance, school fees, medical bills, family holidays, tax, property management fees, utilities, property assessments. Very easy to hit.

Actually what transactions count as 2x or 5x? I've searched in this thread and the old one and the answers not very consistent.

So with VI

Taobao in MYR is 5x?
Airbnb in MYR or foreign currency both 5x?
Amazon?

How to tell if the payment gateway is local or overseas.
Thanks

paying income tax?

if u asking me is no no, I won’t compare like paying 1.5 percent extra then get what equivalent 10 percent return value on airfare, coz in reality without this card I won’t spend real money on those airfare, so the point I getting should be free at the beginning, just me la.

And some people use the airfare publish by airline directly as a guide for equivalent return, but some airline just charge unreasonably high fare which you won’t pay for it, and it include the premium for point accumulation and status tier, so I will take some discount

I pay my income tax using CC as the surcharge is only 0.8% and I can subsequently use balance transfer to spread my payments over 6/12 months.

Benefits for me are cashback / TP, and ability to 0% BT, while putting cash in FD and earning interest.

In general I always try to pay with CC and never cash, unless there is a significant surcharge.

Pay via PayPal in foreign currency, but given only 2TP due to local gateway.
Can pay with Amex but charge additional 0.25%

Pay via PayPal in RM for local company.
Gateway in Sg, given 5TP.
Can't pay with Amex in RM.
Problem is how to know which gateway?

I pay my income tax using CC as the surcharge is only 0.8% and I can subsequently use balance transfer to spread my payments over 6/12 months.

Benefits for me are cashback / TP, and ability to 0% BT, while putting cash in FD and earning interest.

In general I always try to pay with CC and never cash, unless there is a significant surcharge.

Does the contactless Amex Reserve? I've tried to "Paywave" multiple times, and each time it gets rejected. Anyone has any success?

Ppl that can spend that amount won't likely bother that much to schedule all expenses on MU match day right

Maybank just called me i won Rimowa!!!

AMEX - it's per what you written and the fee is 2.5%
VISA- 1% levied by Maybank + 1.25% by VISA

Most of the time, VISA wins. Because of the mechanism, Amex fee end up could be slightly higher than 2.5%

Last but not least, also depends if there's any promotion or contest by Visa or Amex. Don't mind paying slightly more

Hope MU tapau Arsenal

Let's say for Agoda booking right, is there any difference between using Amex and Visa Infinite?

Payment gateway is oversea = so 5x TP

Currency - Agoda auto-convert (and rip you off 4-5% on exchange rate) to MYR. So, no additional fees charged by Amex or Visa right?

As long as overseas gateway, you will get 5x

For local hotel or anything to pay in RM, just use Amex, no difference.
For overseas hotel, I always prefer paying directly to the hotel in local currency, using VI.

Personal experience:
Shopee (with old gateway in SG), getting 5x TP when paying in RM.
Paypal, pay in RM, when received statement, noticed that Gateway in SG, getting 5x TP too
Paypal, paying in foreign currency, received statement, Gateway in MY, getting 2x TP :'(
Agoda:
For local hotel, the price shown in RM, you can compare between booking.com and other hotel booking site or even call to that hotel to check the rate.
Both agoda and booking.com accepting Amex, just use it.
Most of the hotel >4 stars accept Amex too.

For overseas hotel, as what you mentioned above.

I just changed my old Amex Reserve into the new Reserve + contactless. Tried paying twice by "waiving" but unsuccessful. Both big retailers though, one is Guardian and another is Ikea.

Looks like plenty of works still undergoing.

I have tried contactless several times, never worked.....

Indeed. Not sure why Amex wave have to be different than visa / Master.

Yeah, I have reloaded with my AmEx Reserve this morning.

Boring weekend, no Premier League match. I wanna whack BP because I have things to spend in coming week. Looks like gotta postpone my purchase to following week.

Unable to add amex reserve to my boost.. Too bad

any tips?

Hey guys, just got approved for my M2Premier card.
Not sure if I got the normal VI or MUVI. How to check ah? My M2U portal just says "Premier Visa Infinite", so I'm worried I didn't get the MUVI.

Didn't know there are people still using cheques

Didn't know also can use cheque for CC payment