Section A: OFFICIAL ANNOUNCEMENT:
1) New conversion rate for TreatPoints: 500 TP = RM1 starting 1st July 2018
http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal
2) TREATS Fair, 3-6 May 2018
3) 5% weekend cash back for EVERYTHING by using M2 Amex on SAT/SUN, financial charge revised from 8.88% to 15%
4) M2C RM9Million - cash back in with October 16 last
5) Treats Points reduced, refer the PDF link below -
http://www.maybank2u.com.my/WebBank/CVP-PlatCard.pdf and http://www.maybank2u.com.my/WebBank/CVP-GoldCard.pdf
*Note: Government related 0 points, others affected categories are EPP, utilities, education, insurance (1x only)




Section B: Latest Campaign/Promo
1) Date: 15/03/2017 to 30/06/2017, 10% cashback for Shell/Petron/Petronas using pin and pay with AMEX, sms to register, (NON guaranteed)! TNC please click here.
2) Date: 01/07/2016 to 31/12/2016, 5% Weekend Cashback is BACK (non guaranteed)! TNC please click here. - cash back is in with Oct 16 the latest, kindly check your online banking




Section C: Latest Developments
1. 15/05/2018 - New conversion rate for TreatPoints: 500 TP = RM1 starting 1st July 2018, refer Official Announcement above
2. 27/06/2017 - Changes in late payment charges and cash advance fees. Please pay statement balance before statement due date and NEVER withdraw cash from your credit card!!!
M2C General Terms and Conditions [ Link ]
M2C Product Disclosure Sheet [ Link ]


3. 15/03/2017 - 5% guaranteed WEEKEND cash back is BACK!!! Refer Official Announcement above
4. 15/04/2016 - Treats Points revised down across the board, refer Official Announcement above
5. 21/07/2015 - Revised fees & charges for credit and charge cards effective 15 August 2015.
Source: Maybank

6. 15/05/2015 Retail Protection for platinum card will no longer be available after 15 May 2015
7. 01/05/2015 - TP inflation starting 1 May 2015, 400TP=RM1. Also Enrich redemption inflation Click here
8.28/02/2015 Golf Privilege - Complimentary golf at selected golf courses around Malaysia. (Please note that the Golf privileges will no longer be applicable for platinum cards after 28/2/2015)
9. Effective 1 August 2013, Maybank Credit Card TreatsPoints will have a 3 years expiration period. TreatsPoints earned in a particular month are valid until the end of third (3rd) year of the calendar month. Please find below a sample table depicting the points cumulated and the applicable expiry date:

Latest TreatPoints / TP expiry FAQ here

*Archived Developments




Section D: Previous Threads

Click here to read Maybankard 2 Cards V11 Thread.
Click here to read Maybankard 2 Cards V12 Thread.
Click here to read Maybankard 2 Cards V13 Thread.
Click here to read Maybankard 2 Cards V14 Thread.
Click here to read Maybankard 2 Cards V15 Thread.
Click here to read Maybankard 2 Cards V16 Thread.
Click here to read Maybankard 2 Cards V17 Thread.
Click here to read Maybankard 2 Cards V18 Thread.
Click here to go to Maybank's website.
Click here to go to American Express Website.



Section E: Application related
Requirements
Gold: Minimum annual income:RM30,000
Platinum: Minimum annual income:RM60,000

Benefits
1. The benefits of two cards, Maybankard 2 American Express® Card and Maybankard 2 MasterCard or Visa Card, in one sign up one statement.
2. Lifetime Fee Waiver (no annual fee without any conditions) with complimentary supplementary cards.
3. Enjoy a low Finance Charge of 15% p.a. on your outstanding retail balance (must pay minimum payment: 5% of total outstanding or RM25, whichever is higher every month on or before due date).
4. 5x TreatsPoints for every Ringgit spent on Maybankard 2 American Express Card (except all transactions relating to government, insurance and education) and 1x TreatsPoint on Maybankard 2 Mastercard/Visa Card in Malaysia or anywhere else in the world.
5. 5% Weekend cash back - when spend on Maybankard 2 American Express Card is capped at RM50 per customer (including Supp Cardmember) per month. Meaning TRANSACTION DATE shown in M2U or statement must be on weekend (Sat/Sun) to get the 5% cash back.
6. Complimentary Travel Personal Accident and Travel Inconvenience Insurance if you charge your travel fares in full to your Maybankard 2 Platinum Cards

Who can apply?
* Principal cardholders: those between 21 to 65 years old
* Supplementary cardholders: at least 18 years old

Required Documents - Please include the following with your application form:
* Copy of NRIC (both sides) or Passport, including that of supplementary applicant's
* Latest BE form with official tax receipt
* Latest 3 months' salary slips
* Latest 3 months' savings account activity/current account statements

If you are self-employed:
* Copies of Business Registration
* Latest 3 months' Bank Statements

If you are an expatriate:
* Letter from employer confirming duration of employment contract in Malaysia. Note: You must be a Maybank account holder.

Click here to download Maybankard 2 Cards Application Form.

Ways to apply for the Maybankard 2 Cards:
1. Go to branch and fill in application form and submit it there.
2. Download application form and fax to 03-2283 6245.
3. By email to maybankardsales@maybank.com.my (better you call MBB Customer Service to confirm address)
4. Call Maybank or American Express Customer Service if you are a current Maybank credit card holder.


But the simplest and fastest method to get the Maybankard 2 Cards is by visiting a Maybankard Centre at 1U aka One Utama, The Gardens or KLCC (reported no more) where your application will be process within few hours (depends on situation). Please note, it is Maybankard Centre and NOT Maybank Branch.

If you need further clarifications (e.g. what documents to bring along) on the 1 hour approval at 1U Card Centre, you may contact them at number below. Contact Info contributed by Human Nature.
Maybankard Centre at 1 Utama
Lot G-341B, New Wing, 1 Utama Shopping Center, Petaling Jaya, Selangor
03-7728 5451

You can check your Maybankard 2 Cards transactions online with Maybank2U.com
If you do not have a Current or Savings Account with Maybank but you want a Maybank2U online account to check your Maybankard 2 Cards transactions, you need to go to a Maybank branch to get it done. Better that you inform the officer that you want the Maybankard 2 Visa or MasterCard as the main account and add your Maybankard 2 Amex to it. However if you want your Maybankard 2 Amex to be the main card for the account, when you first log in to register username add 0 to the 15 digits of your Amex card. You DON'T need to have a Maybank Current or Savings Account to do this.

However, if you are new to credit cards, I strongly recommend that you DO NOT opt for the paperless option (i.e. receive our monthly statements online) until you familiarize yourself with Statement Balance, Outstanding Balance, Minimum Payment and Payment Due Date.



Section F: Other Related Threads in this Forum
1. Places to use your Amex v3 (thread)
Simple PDF version
2. American Express® Cards v3 (thread)
3. Click here to Pumping Petrol with your CC (thread)
4. Click here to SMS Alert - You're Not In Control (thread)
5. Click here to Reload TnG with Credit Cards v3 (thread)
6. Click here to Suspicious Telephone Call (thread). Recommended that you read Post#1 and #11 at the very least. Do Not release any info relating to your credit cards (i.e. expiry date and CCV number) even if the person knows your name and card number.
7. Want to know if the Maybankard 2 American Express Treats Points are good for converting to Enrich Miles? Click here and read this thread.



Section G: Honorable mentioned
To Gen-X: Thanks for your many valuable articles shared previously which are no longer accessible at this point of time
http://creditcardsmalaysia.blogspot.com/
http://generationsxyz.blogspot.com/


This post has been edited by alexwsk: Jul 17 2018, 08:15 PM

Maybankard 2 Cards FAQ:

1. Must read - GST information
2. This is a 2 cards combo - AMEX together with master/visa, you CANNOT cancel the master/visa and activate the AMEX alone.
3. The rebate is calculated according to the CALENDER month and not per your monthly statement cycle.
M2C Weekend Cashback Terms and Conditions [ Link ]

4. The rebate is usually credited to the AMEX card on the 1st or 2nd of the month.
5. No more GST for Maybankard 2 Cards (both principal and supplements) starting from 01 April 2015.
6. If you receive the cards through postage, you can activate it online through M2U (though some reported activation is not required). If you get your cards from the bank/credit card center counter, you do not need to activate it.
7. You do not need to post back the acknowledgment copy when you receive the card by post/courier.
8. The weekend rebate capped of RM50/month for the Maybankard 2 Amex is shared between the Principal and Supp cards.
9. If your M2U shows that you have a Maybankard 2 Cards Account, congratulations, it means you 'll be getting the cards soon. Call Customer Service if you do not want the cards or call them anyway to confirm.
10. You don't need to have a Savings Accounts or other Banking Accounts to have a M2U account for your MBB 2 Cards. You need to go to the branch to sign up for M2U to view your transactions online. Some branches are known to be unable to link both cards into a single M2U account.
11. If you cannot swipe the card at the merchant, call Customer Service number behind the card.
12. Fastest way to get the Maybankard 2 Cards is go and apply at MBB Card Centre at 1U or KLCC where they are supposed to process your application within an hour (Monday to Friday).
13. The 5% cash back on weekends (Saturdays and Sundays) for MBB 2 AMEX is for all spending and is in additional to the 5X Treats Points (equivalent to 1.25% max).
14. Maybank Platinum credit cards including MBB 2 does not grant free access to KLIA or LCCT Plaza Premium Lounge.
15. You earn 1x TP everyday with your Maybankard 2 Visa or MasterCard and including Petrol. Good for stations that does not accept AMEX.
16. If you link your paypal account to MBB 2 AMEX, it will take 2-3 days before it is shown in M2U.
17. This is what is mentioned behind our Maybankard Statement - Foreign Charges converted by AMEX apply a coversion factor of 2.5% to the converted amount plus 0.5% administration cost imposed by Maybank.
18. The Maybankard 2 AMEX earns you 1x TP for every RM charged to your card by default. The rest of the TP is recorded as 4x bonus TP (written as MAYBANKARD 2 AMEX 4X BONUS in your statement), making it a total of 5x TP for all charges made to your MBB2 AMEX.
19. To earn the 5% cash back, TRANSACTION DATE shown in M2U or statement must be on weekend (Sat/Sun), posting date will determine which month the cashback will be rewarded.
20. The 5% Cash Back payout MONTH is subjected to POSTING DATE not transaction date. You will always get the cash back on the 1st day of the following month straight after the POSTING DATE. Here's a detail example by ronnie
21. You can choose your preferred statement date, just call customer service to request.
22. For EzyPay via Amex aka installments during weekend, cash rebate and treats points will be given for the FULL AMOUNT one shot and not by the monthly installments amount.
23. Amex Toll Free customer service number is 1800889559.
24. Increase your credit limit by using http://www.maybank2u.com.my/WebBank/CLIP-AppFormEng.pdf - 3 months pay slips required
25. To upgrade from gold card to platinum card, need to submit upgrade request form together with latest income documents.
26. To pledge your FD to apply for a credit card without income documents:

27. You may also contact customer service through email at mbbcardservices@maybank.com.my, please do not disclose sensitive information such as expiry date and CCV through email.
28. Conversion to Maybank Islamic Ikhwan Card
- FAQs on corversion to Maybank Islamic Ikhwan Card
- Maybank Islamic Ikhwan Conversion Checklist
- Conversion form
29. Easy way to check your remaining or available credit limit

30. To subscribe to e-statement (paperless), follow the instructions in the link below
http://www.maybank2u.com.my/mbb_info/m2u/p...d=/mbb/Personal
31. RM50 Cashback is capped at 1 Card member per account should Card member has more than 1 Maybank 2 American Express Card.
http://www.maybank2u.com.my/WebBank/M2C-wkndCB_tnc.pdf




Treats Points and Redemption Catalog:
1. To check your Treats Points:
2. Online TreatsPoints Catalogue
3. Latest redemption catalog - click here, postage is included hence effective rate for AMEX 5X TP is less than 1.25%
4. Latest TREATS newsletter Jul to Oct 16 - http://www.maybank2u.com.my/WebBank/treatsJul2016.pdf


This post has been edited by alexwsk: Jan 23 2018, 07:45 AM

PAYPAL Rule of thumb:
PAYPAL + Amex + RM = no go
PAYPAL + Amex + foreign currency = good to go
PAYPAL + Visa/Master + RM/foreign currency = good to go



For Booking Your Hotel Room via Agoda.com with Maybankard Visa/MasterCard versus MBB 2 AMEX

Verified link on 26 Aug 2015: http://www.agoda.com/maybank
- 7% for Platinum and Premium Cards
- 5% for Gold and Classic Cards



Using Maybankard 2 AMEX to Pay for Telekom Malaysia ™ Bills including Unifi/Streamyx/multimedia and Tenaga Nasional(TNB)

You can now pay Maxis Mobile, TNB and TM bills through Maybank2U as well
Go to Bill Payment > select the bills you want to pay and select from account your Maybankard 2 Amex. If you do not see it, means it cannot be use for that particular bill.

Below info contributed by hebe87




Using Maybankard 2 AMEX to Pay for PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional
Login to your Penyata Baki and pay using credit card. Then key in your AmEx card number with the 4 digit CVV at the front of the card, make sure to do it only on weekends to get 5%.

sorry to say this but references to gen-x blogs could be dead. need to recheck the details.

Those who managed to increase credit limit by submitting payslips, u sent them soft copy pdf or hardcopies ?

My company is one of those who only issue e-payslips

Soft-copy, just done by using email. Process was fast.
Email: mbbcardservices@maybank.com.my

This post has been edited by SzeMeng76: Sep 14 2017, 08:11 PM

how about self employed?

Send in your latest income tax form + tax receipt, with 6 months personal bank statement to prove your income.
Also send by email will do.
Email: mbbcardservices@maybank.com.my

Congrats on V19.

I believe that there is no cross border fees for Shopee purchases as I have read in V18.

However, appreciate someone can confirm if Amex can be use for making Shopee purchases?

Thanks.

Soft copy, all my credit applications were applied with soft copy, loan and also credit limit increase. No issue and never been an issue. What's wrong with e-payslip? Got it since day 1 I started working in 2010. E-Payslip is good and convenient.

This post has been edited by fruitie: Sep 14 2017, 08:44 PM

Is there anyone received 1st campaign petrol rebate?

Nope not yet, I've pumped Rm200 worth of Petrol within 10 days in the first month. But no voice no gas no shadow until now.

I think they're supposed to credit in already but I have yet to see anyone post their cashback. Maybe some party is acting stupid on this just ride on the promo get everyone fueling

8 - 12 weeks after the end of Campaign Period (30 June), should be received before 30 Sept ??

Applied temporary credit limit at Maybank Card Center @ 1Utama last week Tuesday, now only received SMS for the approval but I already made advanced payment for purchase last week.
I remember I saw mentioned it takes 1-3 days to process but mine took more than a week

Amex not accept at shopee.

yes, all his sites need password to access now
you think i should just remove all the hyperlinks to his sites while maintaining the contents or just delete everything by gen-x all together?

This post has been edited by alexwsk: Sep 15 2017, 10:58 AM

i guess some info are still relevant and valid. some are outdated or obsolete. perhaps need some trimming on the info

links to gen-x sites, definitely no point keeping them.

guys, question..how can I transfer extra money into my amex just so I can use my amex to pay for something that cost more than my credit limit?

IBG from other banks / CDM manually.

me forgetful person, how can I do a auto pay my maybank 2 cards bill

Can setup standing instructions in M2u

awesome. thanks!!

If you use Maybank2U, go to your card details and select Pay Any Amount and pay the amount u would like to top up.

tried earlier..it returns an error saying you cannot pay more than any outstanding..

Yes. Maybank2u only can pay up to outstanding amount. Advance payment only can done by other bank GIRO / CDM

Recently I did a BT to my Amex card. Is it possible to transfer the BT to my Visa card? (M2C) Easier to keep track of the BT vs normal spending.

Where can I check the total credit used (including those 12 months installment & BT)? The monthly statement only shows the amount due for that month.

I think have to call CS.

most banks would indicate that via online banking, credit limit available but not m2u.

Can I pay my maybank cc (statement - cashback)?
Because my outstanding is < statement, so I can't pay the statement amount, but I'm worried they will charge me..

You may use the above method GIRO / CDM

Your outstanding balance is already minus cashback. Cashback are automatically credited to your account on the 1st and it will deduct it out

Anyone get the rebate for the fuel Cashback yet for month of August? Or for the first round?

no i have not gotten anything yet.

Special fuel cashback will be credited on or before 8-2-2018, if you win.

Yes. You can manually pay. Statement balance minus cash back. You won't be charged interest. I do that every month. Save that rm40-50.

I assume your due date is after the 1st.

My Ikhwan CL about 2x my M2C, can I request to swap the CL? Any 1 did that before?

U asked CS? So late? The 1st campaigns ended June 2017, last time tnc shown before September.

Suppose easier to change bill cut off date to 2nd of every month so it auto calculates what we owe after reduction from any CB.

Yes. Just call in to request transfer limit. I did few times already.

Hi fellow seniors, I realized that calculation for interest is slightly different for both AMEX & MC. For AMEX, is 8.88% p.a divided by 12 is 0.74% per month. for MC, its slightly higher, could it be 15% p.a? where its 1.25% per month?

No more 8.88% since March 2017; Amex also same 15%, u may check ur statement.

Well, yes, but your due date would be 22nd of the month. Most people don't get paid that early. I followed the advice of cybpsych years ago, when I first used these 2 cards... to switch the Due Date to 2nd instead. Which means stmt date of 12th/13th.

Thanks, no need fill up any form?

Hi all,

I want to buy a camera and this shop mentioned that they can do maybank 0% interest but they have their own 5% charge.

Can they actually do that?

Can I just swipe full amount and then call maybank myself request to do the 0% 12 month interest?

Many thanks!

Hi guys. Just a noob question here. I want to ask that i have Maybank 2 Gold Card Visa and Amex. My Visa owe about 1700 and Amex about 650. It is combine limit. But for Visa in the 1700, 500 is some installment purchase. So my question is in total i owe 2350 but i plan to pay 1350 and 1000 on next month statement. So the charges is it next month i need to pay the oustanding 1000 plus 1.5% interest with whatever i swipe in next statement as i checked on the web? Am i correct?

Yes they can. It's their "handling fee". They should insert it to the bill for example: RM1000 for the item and RMxx for handling fee. Must be stated in the invoice.

I hate it when shops do that. It is actually illegal to do that although most business treat this as normal. Can file complaint to BNM and Visa/MasterCard and the company will be blacklisted by Visa/MasterCard

http://www.visa.com.my/merchants/accepting...uidelines.shtml

Do not set minimums and maximums, and do not surcharge
You should not set value limits or impose a surcharge as a condition for accepting payment by Visa cards.

This post has been edited by savvyaunty: Sep 17 2017, 05:06 PM

it's a 2 separate matters.

5% surcharge by merchant was because the merchant itself refused to aborb the cc fee themselves, and passed to customers. 5% is on the high side, usually 1-3%.

they can do that, in fact it's a BAD PRACTICE to do it because they are not supposed to pass down the fee to customers, per their cc agreement.

we cant do much except complaint it to respective cc rep (visa/mastercard/amex) for merchant's violation. however, they cannot get rid of it entirely.


as a smart consumer, you can try go search other places without surcharge imposed. do not support the malpractices.


converting to 0% 12mth is called easypay plus (conversion after purchase). there is a small fee for the conversion.

The moment you did not pay the full statement balance interest is calculated at 1.5% x full statement balance add additional usage = interest charges

Doesn't matter how much you paid as long as it is not full statement balance the above interest calculation will be applied.

Rule of thumb, whatever the statement balance is pay the exact amount and not a cent less else those bladdy banks will start charging interest like along

Hi all,

What will happen to the existing treat points balance
in Maybank 2 Gold Card if upgraded to Maybank 2 Platinum Card?

Please request for transfer to the new card.

They will automatically transfer to Platinum. Cuz once u activate ur Platinum, ur gold will deactivated. Last time I never do any call to them.

Thank you. Quite a lot of camera shop that I survey practising like this. Found a few that do not charge but their price is high. If got charge, their price is cheaper. I guess they just playing around that...

I do agree, even top camera shop online do charge

*ps my hometown camera shop does not charge extra % for cc therefore will be the same/lowered(most) price for it

Just received my M2C applied via RinggitPlus. I think they are quite fast and the approval took only a week. Now I am waiting for the card to arrived however I managed to see the cards listed in M2U already.

I'm reading the threads to understand and probably maximise my usage now.

Thanks guys for all these info.

Hi guys, my maybankard 2 were activated sometime on the 3rd week of august. All's good just that for some reason i have not received the credit card statements yet. i have made about rm300 plus charges and even got some cashback on 1st of september 2017, but the CC statement section on MB2U is still blank. Can anyone advise how to retrieve the statement? I dont want to risk being charged late payment penalty. Thanks!

u can call CS request for your statement date. Check m2u 3 days after. Perhaps u havent reach ur statement date.

you could be getting 1st statement soon.

1) what does the cc summary page in M2U show? is it empty/all RM0.00? Refer Accounts & Banking | All Cards, and expand the card details.
2) while in M2U, subscribe to eStatement.

you wont get charged late payment penalty so soon. payment due date = 20 days after bill date.

hi guys, are u guys transactions reflecting in your mb2u? i have transactions on my amex on saturday till now havent appear in mb2u, so im unable to clear it...

they know u paying 0% and installment, so the amount might not significant to you.
so they trying charge more, previously i meet before merchant charge 3% ontop purchased amount then bill as 0% 12 months.
even the receipt itself product price hiked 3%.
claimed as processing fee by the bank.

Be patience, probably the transactions are not posted yet.

Even Harvey Norman also does that. 2% for installment. Being too calculative even for a chain store.

Last time Mac City do have too. When I purchase iPhone opt for 0% instalment.

I've never paid any additional amount for installment at Harvey Norman though. Or maybe they have change now.

Last year I did an installment with HM, no charge.

relax..

some merchants are really slow..

i think 1 of my petrol purchase now 1 year+ already didnt appear at statement..

just bersyukur je la..

okay just an update. The Treat Fair will not be available for the year 2017.

This post has been edited by broken hearted: Sep 20 2017, 12:27 PM

good. I just redeemed rm100 aeon vouchers at one Utama. 😎

I heard they dont have aeon big vouchers anymore?? isit true?

Temporary out of stock. Parkson voucher also discontinued

save more points for next year

Only these vouchers can redeem on the spot. However, only mcD and aeon vouchers have stock now.

There is always risk that Maybank increase the points for redemption. So my practice is as long as I have decent amount of points for decent item to redeem, I will just redeem it.

But it will not happen right away, they will give you sufficient time to redeem.

today received an sms about enjoy 0% upfront fee with mbb bt 0% pa 12month and get 0.5% cash back from HLB/AMbank/RHB/Alliance bank..

anybody know it? can get 0.5% cash back from bt?

This post has been edited by red_scorpion: Sep 21 2017, 05:22 AM

unlikely maybank would do that.

what is the source of this sms? if you think it's from maybank, then call back maybank to find out the validity of the sms content.

Hi guys, is there any cross border fees apply to traveloka bookings?

maybank doesnt impose xborder fees https://forum.lowyat.net/topic/2519936

that's good. but no harm to redeem earlier since the later redemption catelog cannot be lower points than the current unless it is during treat fair. but i cannot attend the treat fair most of the time so the on the spot redemption of rm100 vouchers is actually very good enough.

Okay thank you so much. Good to know.

Gonna go card center redeem the voucher only worth, by the way i also just redeem aeon voucher.... then spend it 100% within 30 minutes

Does MBB 2 cards need to be activated for online transactions? Or it can be used straight away?

Hello gaiz,
any idea why Maybank CC is difficult to get approval ? I'm using PBE Quantuam which the minimum is higher then the Maybank one, but still not approved

yup, that's why I said on the spot redemption.

RM0.00 MBB:Enjoy 0% upfront fee with MBB Balance Transfer 0% p.a 12mths & get 0.5% cashback transfer frm HLB/AmBank/RHB/Alliancebank frm now-31/03/18.T&Cs apply

This is the sms from usual 66628..i think it should be from Maybank..if other source, what is their purpose? It was not like those scammer sms ask u to call them..

This post has been edited by red_scorpion: Sep 21 2017, 01:39 PM

then ask mbb back what's the T&Cs lo

Mine don't need, able to perform online transactions when card is activated. If u having difficulties using online payment, can call to activate ur online transactions.