They actually do convert. For my case, I work in SG and stay at JB, applied MBB Credit Card at Maybank branch at Johor with Singapore payslip, CPF & IR8A Form (which is income tax BA form) They stick to their convert rate at 2.5, because the staff apply the card told me so back in April 2017.

Nope, I changed mine via email (my.customer@aia.com), download the form from > https://www.aia.com.my/content/dam/my/en/do...oDebit_1002.pdf

Wow, thanks for the update. Because last year when i lost my credit card, it doesn't allow to change or update credit card payment via portal, have to download form and email or fax.

Last time i pledged FD with mbb as i'm existing customer, just wait for the offer letter mailed to my house mailbox. Took me around 3 weeks to receive the offer letter. Then took the offer letter to nearest branch to proceed the action.

Yea, if they approve, will mail you the offer letter. Maybe if you lucky, the representative will email you the result. Either way, just wait few weeks.

I also received it. I clicked the pdf, then inside got an extra link ask you to click to update details. Well, sound like 100% fraud so i delete the pdf and email already.

Its really depend how you utilise the card. The perk of Barcelona card is you can easily swipe the card without the need to remember whether is weekend or not for cashback. And also the month of May & August will have higher cashback capped at Rm100. BUT, you need to spend Rm2500 only can fully utilise the full amount cashback amount (RM50) and Spend Rm1000 to get Rm100 cashback in May & August.

So compare to M2Gold, you only need to spend Rm1000 to reach Rm50 cashback on weekend. So, break it down and ask yourself, how much will you spend using the credit card. You can easily hit Rm1000 on weekend with M2Gold on petrol, Aeon mall, tesco, Jaya grocery, watson, guardian, mcdonalds, pizza hut, KFC, Family Mart so and so. When I fully spending Rm1000 for cashback on weekend, I can also continue to use the card on weekday to collect TP to offset the SST annually.

But if you are not into petrol, or buying grocery and frequently eat out at restaurant which accept amex, best you choose Barcelona VS for online transaction like lazada, shoope etc etc.. So, its really depend on your lifestyle and pick the best card that suit you spending habit.

Best is you can get Barcelona VS + M2Gold for everyday spend. The goal is to get Rm50 cashback using either M2Gold or Barcelona VS. If I only allow to choose 1, i will pick M2Gold as it allow me to hit Rm50 cashback with lesser money spend using the card.

This post has been edited by yoonyin: Sep 4 2019, 04:52 PM

Sorry my bad, its Rm1000 x 10% for RM100 full cashback amount on May & August. Thanks for pointing out.