Yes this is exactly my experience - Maybank the most strict, while Citibank and CIMB super generous. For me, I have to request for CL limit increase from Maybank every year after I get my increment. Citibank will usually call and offer CL increases!

Yeh - When I've exhausted my quota for online credit cards (such as CIMB CR and PBB VS), I will use my MBB VS on payment gateways like Paypal. For example, Lazada has a Paypal option (which is counted as foreign gateway), so you will get your 5x TPs even though your transaction is in RM.

Wasn't sure about the answer to your question but did some thinking. For VS, they will probably record it as overseas transaction which is eligible for 5x TP and won't give the cashback as well. In contrast, PBB VS allows 6% cashback for overseas groceries, but no VIP points (which are quite worthless anyway).

What's more ridiculous is that no one knows whats the true waiver condition that applies to them. This is even worse for people who received the card during the transition.

Its also very difficult to track the 50k, and they are not able to tell you if you call to ask.

I know my AF due date and will definitely cancel before then.

Yes, no restrictions on categories as far as I know. They just want you to spend on their card.

Applied for CL increase on 29 March - increased CL (RM10k) reflected on 31 March. Pretty fast!

I emailed 3 months payslips.

Last 2 weeks for me to use my VS. My annual fee is due in May, so I'll cancel in first week of May.

Love the card, but AF is ridiculous. Not much point keeping this card with the reinstatement of M2U Amex 5% week-end CB.

Yeh but I think MBB is a bit strict with applying and reapplying. I managed to hit the RM50k for the previous 2 rounds so this is first time I'm cancelling the VS. Think I may have to wait 6 months to reapply.

I hope so! But I'm not sure. I may end up not reapplying as I really hate annual fee cards. Can use my PBB VS to cover groceries, and just pump petrol on weekends with MBB Amex.

Yeh and the high monthly quota - I have only maxed out a few times in the past 4 years. Ive had this card since it was first introduced so I feel slightly nostalgic finally cancelling it. It was great at the time because was one of the few cards with unlimited lounge access for principals and supps, visa pay wave (and quite a lot of promotions for that) and free valet parking at loads of malls. Now none of those benefits exist anymore. Lousy.

Yes for sure! And I like to keep a wide variety of cards just in case the terms and conditions change. For example if PBB VS suddenly pull the benefits, I will seriously have a hard time finding a replacement. So better to hold many cashback cards and always be prepared for sudden changes.

Did my last transaction with my VS yesterday as my AF is due in May and I'm cancelling once I settle my statement balance. Will miss the convenience of petrol and groceries, which I never max out. But now just have to adapt spending habits by using PBB VS for groceries and MBB Amex for petrol on weekends.

I will not bother. Have been around long enough to know MBB's policies for AF. Better to cancel and reapply next time.

At least 6 months. But no urgency for me.

I cancelled and no attempt to retain me.

If you pump in calendar month April, you will get cashback on 1 or 2 May. So, if you pumped anything in April you should have already gotten your cashback.

Me too. I got mine via Pos Laju today. Applied online.

11 October, 00.45am applied

11 October, 18.04pm SMS

This post has been edited by lilsunflower: Oct 12 2017, 09:58 PM

Anyone applied for Supp card for FCB? I got my principal already (applied M2U), but can't apply supp online as card doesn't show up on the online supp drop down menu (I can only see my Maybank2 cards on the application menu).

Also, the supp card application form (PDF) on the MBB website is very weird. It is like a fresh Principal application (i.e. you apply for Principal then you add Supl details). Its not for an existing Principal card, where you put in your Principal card number and just add your supp details and attach IC.

Anyone can share their experience?