File your tax return (BE/B, with income at 2017 >RM48k) on 1/3/18 and then send your tax file & receipt to Maybank Card Centre!
Also check your CCRIS and CTOS report. You may have overlooked something.

This post has been edited by ClarenceT: Feb 1 2018, 02:18 PM

Then apply for M2 Premier or Visa Infinite first.
Get M2 premier or VI then request to add FCB VS.

Write a letter to card centre requesting to cut your Ikhwan credit limit by RM10k.
Together with your application for Maybank Conventional credit cards.
But I found Maybank is very reluctant to give both Conventional and Islamic cards recently. They prefer you get either Conventional or Islamic, so you may give up Islamic cards.

Maybank and Maybank Islamic are legally separate entities, ie 2 different banks.
Conversion from Maybank conventional cards (Maybank) to Maybank Islamic cards (Maybank Islamic) is possible (with conversion form),and you can transfer the credit limit from Maybank conventional to Maybank Islamic.
But you cannot convert islamic cards to conventional cards (no such form exists) and transfer credit limit from Maybank Islamic to Maybank, so you need to apply for conventional cards and new credit limit!
So give up Ikhwan Visa/Mastercard and then apply for M2 Visa+Amex+ FCB VS.
Once you get M2 & FCB VS, transfer out part of credit limit to get new Ikhwan cards.

This post has been edited by ClarenceT: Feb 1 2018, 02:55 PM

It is calculated and posted today but you can see it after 12pm tomorrow (2nd day of the month).

Log into your maybank2u account AFTER 12PM TOMORROW! You will find it.

Credit card interchange fee is being reduced from 1.1% (drop from >2% in 2015) to 0.48% by 2021. All the card issuers will not have margin to offer good rebate/rewards. So we should expect some revisions in next 2-3 years.

All your transactions posted in February (1/2-28/2, including your transactions on or before 31/1 but posted in Feb),
total amount must be RM50. The cashback will be calculated on 28/2 midnight and posted on 1/3, but you can find it in m2u on 2/3.

Alipay Hangzhou have a few channels for card payment. It is strange Alipay has one with Groceries MCC. Not always you will be directed to this channel.

+0.8% only, not +2%.

There are some tax-payers (those filing Borang B by 30/6/18) who need to pay their tax by 30/11/18 (05/2017), 30/1/18 (06/2017), 30/3/18 (01/2018).

Anyone here used FCB VS to top up BigPay in Jan/Feb and got 2% rebate?

Amex is not an option.
Only Visa/Mastercard. No credit card charge yet. Also it is not treated as a Cash Advance.
I plan to dump all unused quota into top up if someone had got 2% rebate in Jan/Feb.



This post has been edited by ClarenceT: Mar 24 2018, 05:32 PM

Tony is giving you free cash.
You can withdraw RM1500 at Maybank ATM and the service charge is only RM6.

Dump RM1000 into bigpay by using HLB Wise and you get 10% on another RM1000.

This post has been edited by ClarenceT: Mar 24 2018, 05:52 PM

No.
If you use FCB for retail transactions, you get 2% rebate.
If you use FCB + BigPay, you may get 2% from Maybank and 1 big point.

The New BigPay APP with Prepaid Mastercard launched in January.You can reload using Visa/Mastercard only.
The old Big Prepaid can only be reloaded by bank transfer only.

Someone did receive 2% rebate on BigPay top up in Jan.

So I may perform 1 top up RM2500 every month to max out FCB rebate (RM50/100), then use BigPay for retail transactions (I don't have to keep the FCB in my wallet anymore).
And I may use Bigpay card to withdraw RM1500 at Maybank ATM at a fixed charge of RM6!
(yet to be confirmed)
Too good to be true!

Why comparing the rebate rates? it is meaningless!
What I want is to spend unused monthly quota on bigpay,
then withdraw RM3000 at ATM (RM6 service charge).
Using HLB Wise you will not get 10% rebate (but 0% rebate) on bigpay topup.

This post has been edited by ClarenceT: Mar 25 2018, 08:48 AM

No minimum. Maximum RM10k. www.bigpayme.com

This post has been edited by ClarenceT: Mar 25 2018, 09:38 AM

Oops money laundering ah?
Then I don't withdraw cash, but dump all unused quota to BigPay, accumulating and perform a big amount transaction - insurance or AirAsia tickets.
Or maybe perform some retail transactions then withdrawal once every few months. Not so obvious.

This post has been edited by ClarenceT: Mar 25 2018, 11:22 PM

Not only ATM withdrawal, I can consolidate/accumulate unused quota from various CCs.
Eg I have a life insurance due in April, say RM5000.
And if FCB VS, assume I didn't spend till today, then I top up BigPay by 31/3 and on 1/4 (Posted on the same day for Maybank FCB VS!), then pay the insurance on 2/4. So I will get 2XRM50 rebate from Maybank, instead of 1XRM50 (max RM50 rebate/month).
Or I can top up using other credit cards together with FCB VS, then use BigPay to pay the insurance, so maximise the rebates.

Hope I will not get banned.

This post has been edited by ClarenceT: Mar 26 2018, 08:06 AM