Given that Amex is back with the 5% cash back now. Even without the VS card, it is not really a big deal anymore. VS is once popular becos of the free lounge access but it has no more. And it was popular because Amex 5% was gone previously too.

just applied the Maybank FC Barcelona Visa Signature on maybank2u at 3pm earlier. no email/sms yet on the outcome.

Just received SMS on the approval. About 3 hours time to get approved after the online application via Maybank2u. Nice 👍.

need. IC (both side) + 1 month of latest salary slip (or other document like epf, income tax etc also acceptable).

this will be the last step to do when you apply online.

yes, amex 2 card and this new VS card are all good since there is no annual fee at all.

It will be same types of transactions regardless online or over counter like Amex 2 card rite?

Same. Also haven't received the card too. Also applied and approved on Wednesday.

still haven't received the card.

until now I also haven't received my card!!!

today only i received the PIN for the card. but still not physical card received? did u guys receive both at the same time? or one by another? if yes, which one u receive first? PIN or card?

then something should be wrong, because i only receive the letter to welcome me to the new card last week, this week i received the PIN but until no physical card yet.

For overseas transaction, is it better to take the fixed percentage charge at MYR (fixed) amount or depending on the bank charges and exchange rate better?

For example, if a Paypal transaction at USD with 3.5% fixed charge, will follow bank charges and exchange rate cheaper in this case?

this month rm2500 spent in one swipe. Rm50 cashback secured. 😜

This post has been edited by westlife: Dec 8 2017, 01:10 PM

keeping more than one cashback credit card is still good. after all most bank cash rebate is capped at rm50. when you happened to have sudden huge purchase, it helped.

i swiped a total of rm22450 recently. amount was split among different cards.

1) rm1500 on my Standard Chartered Cashback Gold MasterCard for rm50.

2) rm2500 on my Maybank FCB Visa Signature card for rm50.

3) the rest of amount (RM18450) on my OCBC 365 MasterCard
1.0% rebate on first monthly spend of RM1,000 - RM10
0.5% rebate on subsequent spend above RM1,000 - RM87.25

total rebate: rm197.25

so no harm to keep more than one card as long as annual fee can be waived.
i have no problem in waiving my annual fee for my SCB cashback platinum mastercard ever since i got it.

the only banks i have issues getting waiver are:
1) OCBC - 365 mastercard initially cannot waive the annual fee (i guess it is due to my spending did not meet the min requirement as ever since maybank resume the 5% weekend on their amex 2 card, i have hardly use this card), then end up the CSO allowed me to swipe rm50 x 3 transactions within two months time to get it waived.

to prevent for similar situation, i applied one more titanium mastercard (no annual fee) as a backup, in case my 365 mastercard annual fee cannot get waived. I want to keep the credit limit given by OCBC as it is quite high as compared to any other bank cards i hold.

2) UOB - used to own the ONE card previously many years back. but kena charged annual fee and cannot be waived, they said there were new transactions after the annual fee transactions so even cancel cannot waive. end up i need to pay for the annual fee and i used it for a year before the new annual fee charged.
the most fxxsy bank when it comes to annual fee waiver.

2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
10% Cash back for all purchases made in the month of May (football season ends) and August (football season begins) and capped at maximum of RM 100 during the specified month.

it stated all purchases only which I am sure BT is certainly not considered as purchases at all.

This post has been edited by westlife: Dec 20 2017, 09:49 AM

amex cannot be used so nothing loss here.

HLB Wise card does not have a category that the amount can fit into. so this is the best i can earn the rebate based on the cards i have.

the good part is i can do a 0% interest BT on my maybank credit card without fee and pay this amount for 12 months. haha.

This post has been edited by westlife: Dec 21 2017, 11:54 AM

yeah. misread earlier. indeed better. too bad i do not have any HLB card.

if can use amex good ah. if use at weekend got 5% and 1.25% (based on 5X points) for first rm1000. the rest will enjoy 5X points for 1.25% still.

it is shocked for May and Aug. 10% cab is attractive. Must maximize it that month.

For FCB card, what is the annual fee waiver criteria?