your amex plat >1k per month, what's the ratio of Online vs Offline/machines?

looks good, can offload to Ikhwan Amex later

both amex plat and ikhwan amex complement each other well

got new signup promo later, why not wait?

wait for signup t&c

maybe it's NTP instead of NTB

kindly contact official Maybank representative for accurate document submission

reference here https://www.maybank2u.com.my/iwov-resources...ard-appform.pdf

can start from these

read the t&c for each card thoroughly.

nobody has any complete list because each individual has different usage and preference

eg i dont use rhb world mc

since you're interested with this card, have you read through the card features in RHB website? done any reading?

https://www.rhbgroup.com/personal/cards/cre...redit-card.html


from the look of it, seems to be ok, except hitting the min rm3.5k/month to achieve 6% cb rate.

every post has this option

affin duo-i (islamic) vs duo (conventional

reconfirm: annual income 5k??? or monthly incokme 5k?

best practice, ALWAYS cancel if no intention to use it. also, you shouldn't apply at the first place.*

*exception cases, bank force apply the card without your consent. again, terminate them ASAP.

technically the card has been assigned to you. you are liable for it, one way or another.

depends on banks. eg Maybank will autocharge sst after 3 months. you'll be screwed if you didn't monitor your card statement and keep accumulating interests > lead to bad ccris score

find official TNG store in lazada lor

most important to find out is the mcc of tf and nsk (any specific section?) that you visited but not getting cb*

without knowing this upfront, you may face similar issue with other cards too.

*assuming you met all the t&c/avoided all the exclusions for the card.

there is always a risk when submitting your data over to 3rd part agents

read through their t&c, privacy notice, etc

if you dont agree, dont use their service


well, some ppl's greed for the freebies is worths more than their privacy

statement balance ≥RM4k to get higher cb tier = lesser spending required. capping still same anyway

you should write MORE on what/where you expect to spend? anything? any amount? any time?

prioritize your spending, which one you prefer to gain more benefits from?

which is why we dont bother accumulate points to redeem sst lor

why dont you write more of what you spend? where you spend? when you spend?

each card is different, no one-size-fits-alll

also you are expecting to replace m2c amex 5% weekend (capped rm50/mth, few exclusions) with some other cards that is equal/better than amex.

affin duo+

the Visa gives 3% cb contactless spend only (no pin entry). cb cap rm50 for previous statement balance <RM8k

iinm, last time other forumers reported, sst not charged for 3 years. after that, auto-charged