YES!

Thanks to you fly126 for the reply, I've revised my credit card combination


After a careful consideration, here's my card:

1. Maybank 2 Cards Premier Maybank Official Page | iMoney
I'll be using this card to accumulate TP that can be converted into Air Miles, this AMEX card earns about 1 Miles per RM0.954 spent. (But not on utilities, education, and petrol.)

2. Standard Chartered WorldMiles World Mastercard SC Official Page | iMoney
This is the second card I will be using to collect Air Miles for Overseas spending, it collects 1 Miles per RM1.33 spent, although it doesn't earn as much as Maybank AMEX Reserve, but Maybank card has 2.5% conversion markup, while SC only have 1%, although Maybank are still better to consider whenever the value for the miles are MORE than the paid % in markup, but sometimes it will depend on the forex rate.

>Basically this will be my backup card to collect air miles.

3. Petronas Maybank Visa Platinum Maybank Official Page | iMoney
This card earn 8 TP per RM1 spent on petrol at weekend, and convert 10.6 TP to 1 EM, meaning it earns 1 Miles per RM 1.325 spent, it's quite close to Maybank Visa Signature (RM550/yr), but this is free without monthly CB CAP, so I choose this for petrol.


4. Alliance Bank Visa Gold Alliance Bank Official Page | Ringgitplus
I'm considering if it's worth the hassle to apply this card just to pay my utilities bill, as it earn 2 TBP per RM1 spent, 6 TBP = 1 Enrich armiles, meaning it gets me 1 miles per RM 3 spent, i value enrich miles at 0.05 each, so that's like 1.67% return, doesn't sounds a lot, so not sure if it's worth the time, unless I can find some other CB card for Utilities.



I have a few more questions:
1. Does it get me the 5X TP if I pay my housing loan and insurance with Maybank 2 Cards AMEX Reserve? Or do I need another credit card for that?
2. Did I miss anything or any other card I should have in my combination?

Enrich Airmiles conversion rate for Maybank: https://www.malaysiaairlines.com/my/en/enri...ds/maybank.html
Basically, for the AMEX Reserve, it is 4.77/miles, for the normal card it is 10.6/miles


This post has been edited by GreaterFool: Aug 29 2018, 01:56 AM

Applied MBB FCB VS card. Will replace all my daily usage from my MBB GOLD VISA card.

Thanks sifu

. Annual Income: 42k

2. Free Lifetime Annual Fee: free

3. Card required for: petrol, groceries, online bill, cashback mostly

4. Existing credit cards (if any): none

thank

Mbb ikhwan MasterCard and pbb quantum MasterCard

Mbb ikhwan MasterCard- can get cashback at at any store?

https://forum.lowyat.net/topic/4103568 , read 2nd post, got list of groceries place that get rebates.

thanks a lot.

Hello guys, I'm currently having 2 card, Maybank 2 Card and Standard Charted Worldmiles, and I'm mostly interested in Air Miles, (because the earn rate are about 5~7% which CB card seems unable to compete with.) But this 2 card doesn't collect or give every good earn rate for below usage:

It does not gain 5X TP with Maybank Amex Reserve

1. Insurance (AIA, Great Eastern, Prudential)
2. Petrol
3. Water / Unifi / TNB
4. Maxis / Digi / Astro TV

If they don't get 5X TP which card should I get to pay them?

I'm considering PETRONAS Maybank Platinum Visa for Petrol, no annual fee, 8TP per RM1 spend on petrol, converts every 7TP to 1 Enrich miles, if enrich miles are about RM0.06 (based on business/first class flight), meaning the earn rate are about 6.8%

But I'm not sure for the other, I have a lot of expense on insurance

How about,
AmBank VISA Infinite Card /AmBank World MasterCard
• 5X AmBonus Points for overseas spend. The reward of 5X AmBonus Points is only applicable to card transactions outside Malaysia.
• All online transactions are not entitled to 5X AmBonus Points regardless the country the Cardmember is in.
• Free-For-Life, NO conditions attached
• 5x access per calendar year with min. spend* of RM500 within 30 days before and/or 30 days after each lounge access.
• Miles Frequent Flyer / Travel Reward Programs (Note: 7,000 AmBonus points = 1,000 Air Miles)
http://www.ambank.com.my/eng/cards/visainfinite

Beside MBB 2P & M2C can Earn 5x Points...


This post has been edited by fly126: Sep 7 2018, 12:10 AM

Thanks for the reply bro!

Since it's FFL I'll probably get AmBank VISA Infinite Card /AmBank World MasterCard as well, the earn rate (RM1/miles) is quite similar to Maybank AMEX Reserve (RM0.954/miles), I'll research awhile see what's the conversion rate, because Maybank charge 2.5% markup with this card for overseas spending, if Ambank charge lower and able to offset the slightly lower earn rate it can replace my overseas spending card.

But It seems like all the card you recommended doesn't give same kind of reward for Insurance

MyEG-RHB Credit Card
- 5x reward points on insurance payments at MyEG website/counters
- 5x RHB Reward points when you pay your road tax online.
- 5x RHB Reward points on utility bill payments.
- 1x RHB Reward points on retail and online transactions, including petrol purchases.
https://www.rhbgroup.com/products-and-servi...rhb-credit-card

I thought Ambank has revised the redemption rate to 7000pts to 1000 airmiles?

1. Annual Income: Rm40K

2. Free Lifetime Annual Fee: YES

3. Card required for: List all your needs: Cash back

4. Existing credit cards (if any): Nope

5. Interested in CC from: Not sure

6. Others:

I want to get cashback especially from Grocery, Dining, Movies. And best if can get rewards from travel. Thanks!!!

PBB Quantum 2C, Maybank Ikhwan MC.

This post has been edited by fly126: Sep 6 2018, 11:57 PM

Maybank just reject my application for barcelona card. Anyone know why? T_T

multiple factors but perhaps u can get a clue in ur ccris. or if u applied via m2u, maybe u can try emailing them.

i had emailed them 3 weeks ago, and did not get any reply.

may i know what email address you emailed them?

i used the one the provide on the m2u website.

no respond so far

mbbcardservices@maybank.com.my

tq bro!