Yes, ultra super sure. They gave me this email address when they couldn't locate my fax application, and they said email better.

In my case they emailed my sister for verification after they could not get hold of her because her Malaysian number expired.

They will eventually approve it... Just have to be persistent.

In my sister's case, cannot register OTP. I applied for WMC for her solely for the following reasons:

1. Get free luggage bag for supp card application (haven't received yet, but received call last week saying it will be delivered soon). Already promised to give the bag to my maid.

2. Airport lounge access - she travels A LOT but has no income as she's currently on 1 year university programme in Shanghai (hence the expired Malaysian phone number). In the past 3 months alone, she's used the KL, London, Shanghai and HK airports several times.

Apart from the qualifying expenditure to get the free luggage bag, she doesn't use the card for anything. Her credit limit only RM2k haha.

My usual approach with all CC is....... Just apply and max out benefits while they last .

Let me try to answer your BT questions, which are definitely not "stupid".

1. For credit cards which do not require supporting statements for BT applications (currently, PBB, MBB via M2u and AMBANK via telephone), the cardholder just has to provide the bank with ANY AMOUNT they wish to transfer, subject to the cardholder having sufficient credit limit.

In contrast, AEON's BT programme is more stringent, and requires a statement to prove the outstanding amounts on other cards.

2. For those "non-statement" BTs, you can theoretically BT ANY amount into ANY card, regardless of whether or not there is an outstanding amount. The amount will show up as a credit, and if your bank allows, this credit can be offset against your other principal and supplementary cards (with the same bank) and/or transferred into your current / savings account.

3. I have tried and tested the following several times:

- MBB: Excess credit can be offset against other cards and then transferred to Maybank savings account. If credit is below a certain threshold (possibly RM10k, but not confirmed), then no need written request or supporting documentation, just a call to CS will do.

- PBB: Excess credit can be offset against other cards (but not necessary to do so) and transferred to PBB savings account. PBB have always asked me to provide a written request (via e-mail) for transfers to savings account. Need to attach supporting documentation such as BT application form AND proof of payment (can be other bank's unbilled transaction listing or screenshot of SMS approval etc etc).

- HLB: Excess credit can be offset against other cards and transferred to HLB or other bank saving accounts (no charges incurred). Based on the amounts I transferred (always less than RM10k), just a telephone call will do.

The above is based on my experience. Some banks will require more or less documentation. Because this is trial and error, I always keep my "excess" below RM10k.

4. Once the money is in your savings account, it is basically an interest free loan which you can spend or FD.

This was a few months ago. In the first half of the year there were many fantastic acquisition offers for principal and supp cards. For my principal I got RM388 for spending RM1,500. I don't think there's anything going on right now.

The best thing is that I get all my info from LYN forum. People here are super up to date and quick to share good deals.

I can't find 0% TNC too, so I suggest you call Ambank and confirm before you apply. Check cut off dates and any eligibility criteria. If there's no rush, you may want to wait until Ambank announces some acquisition programmes? Last time it was RM388 for RM1,500 (any spend) plus 0% BT, and also cashback for supplementary cards.

I think most BT applications can only be done by principal to principal. But you need to read each specific TNC to confirm. I haven't checked and am just guessing based on gut feeling.

I tried it too at Chatime 1U yesterday. Used the physical voucher, but the cashier asked me to use Ambank card.

Don't worry, they discriminate against WMC principal holders . They gave both my supps 1 hardcopy booklet PLUS the app and PIN. They only gave me the app and PIN.

Ya, its here:

http://www.ambank.com.my/eng/deals

See the 4th deal. Note, the advertisement also shows Platinum cards, and so does my booklet. So I'm not sure why you didn't receive.

I really prefer the booklet. Less likelihood of blank stares and 'wait ah, need to check with my manager" than with app. Plus I hate people touching my phone.

No, the hardcopy booklet I mentioned is full of vouchers. See attached.

This post has been edited by lilsunflower: Oct 12 2016, 04:34 PM


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Called CS today to redeem RM100 for 33k points. Easy and efficient.

Update: Received my free 24" Valentino Creations from supplementary card campaign (signed up in May). Hoping I will receive another for my 2nd supp card which enrolled in June.

I recall seeing one on the website. Can get Barry Smith duffle bag or air purifier depending on spending. Go to ambank website and check under credit card promotions.

Just saw the free bag I got from my supp card in a shopping centre. It's quite good quality and was selling at RM260 after discount (price tag says 930).

I ended up giving it away to my maid, who loves it!


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This was a supp card promo by Ambank (from 15 April to 31 July). I received the bag just recently.

The picture was taken at a luggage sales in 1U - its exactly the same bag (Valentino Creations Bobcat II - the medium size).

I read from a previous post that someone else also received their luggage, but just wanted to share the photo in case people are still waiting for their bags to arrive.

Exactly the same thing happened to me in April this year! It was a guy too and I think he said something about me having to sign my kwsp in front of him to verify.

But he said I could go to branch to meet him.

In the end, all the nearby branches for me were far from his. So he said to me he will process my application without face to face, but if someone from the Approvals Department calls to check, I should say that I met with him (gave me full name), at XX branch and XX date and time. He said sometimes they spot check and better to make sure stories match.

No one called me to check, but my application was processed by him quite quickly.

Strange huh?

Mine too. Pos Laju didn't even bother coming to my condo and I had to pick up from the Pos Laju collection counter.

Received my PIN last week, but no new card yet. Anyone else had a lag between receiving the 2?

OK - then I definitely have to call them! Normal post or POS Laju? I hate Pos Laju with a vengeance.