Get it at maybank2u or www.etiqa.com.my
You can get discount and M2 Amex weekend rebate.

1.6% Unlimited Cash rebates on all local spend - no minimum spend and no cap
2X TREATS Points with every dollar spent on foreign currency transactions.

If they were you, they will go for 0% 12 months Balance Transfer, assume RM50k, then withdraw the fund and place F.D. to earn interest (I estimate they could earn RM800 over 12 months).

They/I don't need BT to finance credit card debt as well. But MBB is offering 12-month 0% Balance Transfer.
Some fellas use this offer to transfer the "credit" to another credit card (with another bank).
Then request to transfer the surplus into Savings account, then put the fund into (e-)Fixed Deposit and withdraw a portion of FD every month to pay Maybank CC.

51,000.00 3.15% 0.263% 133.88
46,750.00 3.15% 0.263% 122.72
42,500.00 3.15% 0.263% 111.56
38,250.00 3.15% 0.263% 100.41
34,000.00 3.15% 0.263% 89.25
29,750.00 3.15% 0.263% 78.09
25,500.00 3.15% 0.263% 66.94
21,250.00 3.15% 0.263% 55.78
17,000.00 3.15% 0.263% 44.63
12,750.00 3.15% 0.263% 33.47
8,500.00 3.15% 0.263% 22.31
4,250.00 3.15% 0.263% 11.16

TOTAL 870.19

No need to swipe!
I am not playing. I am not an expert to guide you.

If you are interested... (at your own risk)
https://forum.lowyat.net/topic/3918057

This post has been edited by ClarenceT: Mar 24 2018, 10:26 AM

Maybank never ask for a copy of credit card bills.
So if you don't have an outstanding >RM50k, you still can play the game.

I just explained to you why some people asking for high high CL from Maybank (and a few credit cards issuers only). They create a credit card debt (but 0% interest rate) to get a FD/Savings interest in return.


This post has been edited by ClarenceT: Mar 24 2018, 11:06 AM

Not true now.
I just changed my mindset not long ago so you may change it now.

GenY/Z know how to "create" an "outstanding" which doesn't exist.

eg
MBB CC RM1000 outstanding, Bank2 CC RM0 outstanding
0% BT (seasonal deal) RM51000
MBB CC RM52000 outstanding, Bank2 CC RM51000 surplus (positive balance) -> transfer RM51000 to Savings account at Bank2.

This post has been edited by ClarenceT: Mar 24 2018, 12:14 PM

Yes, it is true. You can assign a lower credit limit for each credit card but always subject to the approved "maximum" credit limit.

Another scenario is... (VS CL RM15k, M2Amex CL RM12k)
Assume 31/3 your outstanding VS RM 0.00, M2Amex RM 0.00
and assume you get monthly cashback on 1/4, say VS RM20.50, M2Amex RM50.00
Your available CL will be RM15,020.50 and RM12,050.00 respectively after the rebates are credited.
(Not RM15,070.50 or RM12,070.50)

This post has been edited by ClarenceT: Mar 24 2018, 12:50 PM

Other banks also quite similar, not only Maybank.

Maybank Conventional: 1 combined Approved Credit Limit (maximum CL)
Maybank Islamic: 1 combined Approved Credit Limit. (maximum CL)
But each card under Maybank or Maybank Islamic may have different available credit limit, but will not go beyond the combined Approved CL (unless advance payment / credit transaction to a particular card).

The problem is M2U which never shows available CL for each card.


This post has been edited by ClarenceT: Mar 24 2018, 02:22 PM

Technical glitch at m2u card application.
If you fail at M2U (AI), then Maybankers can rectify it.

Only 11street.

What if mess up tax ledger and alert the tax officers to check the tax files. Nanti kena audit even worse.

www.motortakaful.com by Maybank's Etiqa Takaful.

Credit card fee for merchants will go down from 1.1% to 0.48% as planned by Bank Negara so the value 1TP may drop to 0.1% by 2020!

3% merchant -> 0.6% / 0.5% TP (2000)
2% merchant -> 0.4% TP
1.1% mechant -> 0.2 ~ 0.25% TP (2015)
0.48% merchant -> 0.1% or less TP (by 2021)


This post has been edited by ClarenceT: Apr 14 2018, 04:35 PM

I salute you.
If I find my card lost, I will call to stop the card immediately.
Just because of RM50 card replacement fee, you can wait for an answer here for 12 hours!
You are taking risk that someone might have used your card since yesterday.

Use any Visa/Mastercard for TM Autopay.
Pay your Unifi 1 weekend in advance using M2U-M2Amex, but leave the new statement balance > RM22 for autopay and TM will give RM2 rebate on next statement.

TNB not supported

http://www.maybank2u.com.my/en/personal/ma...ation-list.page


This post has been edited by ClarenceT: Apr 23 2018, 09:13 PM

It was very useful many years ago.
Now a lot of online platforms and good cashback cards, so it is no longer useful for me.

25-Apr-2018 24-Apr-2018 BT Cash Back - Jan18
24-Apr-2018 24-Apr-2018 BT Cash Back - Dec17

0% Balance Transfer gives Cash Back? which promotion?