He means - if you didn't do the balance transfer to AEON, but instead paid off other cards / paid excess to SA (and then refund) then:

1. You would have got 5-6% (in his case, he used 5%) of RM6,500 by paying off your AEON CC with CIMB CR / PBB VS / YOLO

2. Minus the POS ONLINE fees of 2.12%

While his strategy makes a lot of sense, I understand your position and why you transferred your AEON balance to MBB. To pay off RM6,500 with online cashback cards means you need to have loads of principals and supps for each type of card (which he has). But from my understanding, you usually max out your cards, and don't have enough for the RM6,500.

In summary - you did the most efficient thing with the cards in your possession.

He's saying 5% cashback x RM6,500, but have to minus off the POS ONLINE fees.

Using all his cards, that would have been his return. However, not many of us have enough cards to cover the RM6,500.

Forummers in previous posts reported using email form.  Fruitie going to do one soon -  can check with her how to fill in.

great! thanks for info, tmr i will submit my email application.
gd night.

My process for 2nd application via email for MBB BT:
14 Nov morning: Email form + statements
16 Nov 9:54am: Received SMS on BT approved
16 Nov 10:20am: SMS stating the BT amount has been transferred (PBB fund posted, HLB and SCB still can't see yet, should be tmorrow since only PBB has real time posting.)

Is your approval SMS like this?
"RM0.00 Maybankard:We are pleased to inform that your STP request for Balance Transfer appl is approved.Thank You"
I wonder what's STP stands for?

Thanks rapple. Or else, I'd just BT less then pay the difference using cash.

Yup, will do. Where I am, the PTPTN office will open on Sunday. I'll pay then send email. Hopefully hear something from them the next day or two.

If someone could just tell me what the email address [method] is... The mgcc address?

3.6M fee waiver is a lot 

If the fee is 3%, then total promo BT quota should be RM360 million 

Yup it is fees as stated in TnC. Small kacang like me just BT up to 3k only 

Just got mine approved today (sent via email) means still got quota. 

Hi, has MBB transfer the funds to your Aeon account? Was it viewable already on Aeon online transaction? Thanks

OK, found mine after checking on "Past Transaction"... was looking on "Unbilled Transaction" all this while...
Why I'm so nervous, here's the truth... before i ask here that day for aeon transfer, i'm trying luck by apply online, selecting "Citibank"...
After saw you all mentioned apply via email, next day i call MBB CS, they tell me now under credit team processing, they can't do anything, even if i request terminate it so i resend via email later. They told me no, Aeon Credit wasn't in the list for this Balance Transfer programme.
Ok, then i wait, so received the STP request approved SMS, which I thought maybe CS inform them to terminate my transaction.
ytd again SMS inform me the funds transferred to Citibank.

so that's the drama...

you still dont read faq?

No penalty, just have to e-mail to mbbcardservices@maybank.com.my to settle

I think we can BT >100% of CL is becos we have made payments to MBB cards.

may be  payments made from your other MBB cards you have not considered, MBVS, WMC etc?

my total BT amount have also exceeded my CL, i believe we can do this is becos of the monthly payments made.

Hmm. No. I thought about that too, but all my MBB cards were all totally zero for the past 2 months. And I don't have any credit on those cards, because I refunded it out to CASA. For this 2nd BT I was experimenting how much I could push the limit so I purposely made sure everything was zero balance, and even waited a few days to cater for time lag.

Anyway, not important for me now because I achieved my aim of maximising the MBB BT promo. Now I just have super super super high monthly instalments to pay for 2 PBB BT,  2 MBB BT and 1 AEON BT. Can buy a cheap car every month haha.

My CL for all my recent cards min 50k and a few above 200k. I hold 26 cards (including loads and loads of supps). But just to clarify that high CL does NOT mean super high salary or high spending. I have absolutely no idea how they calculate or what is their basis. For me, the majority of my spending is actually BT (to get CASA refund) or using online cashback cards to pay AEON via Pos Online (which is actually recycled spending, not "real" spending).

But my general observation is that once you hit 10k+ or 15k+ monthly, banks suddenly become much more generous and simply give credit limit like water. They don't seem to care whether the credit limit is more than your annual salary or not!!!

Hi guys, for the MBB 0% BT for 12 months [https://www.maybank2u.com.my/WebBank/Maybank_Balance_Transfer_0_12mths_campaign.pdf]; as I tried to fill in via maybank2u website, I cannot find Aeon Credit Services, do u guys still use the hardcopy form in order transfer balance from Aeon cards to MBB?

Yes, you won't get 3% charged at all.

Btw, one question, when I put Citibank as payee but I submit AEON statement, should't be an issue right?