http://creditbureau.bnm.gov.my/ccris.html
You can get a copy of your CCRIS report at Bank Negara (free) or at https://www.ctoscredit.com.my/ (RM26.50)

10X limit to 3000 points per month, ie spend max RM1000/month.
If I am not wrong, you can swipe and redeem at the pump, 3000 Bonuslink points = RM30 Shell petrol.
So the reward rate is more or less same as True card.

MBF credit cards were very popular, when MBF Finance was the largest finance and the largest credit card issuer in Malaysia before bank-finance mergers. Before 2000, cardholders must pay an Annual Fee to keep a credit card. You couldn't find a non-AF CC with good rebate.
MBF Cards survived independently but MBF Finance were merged into AmBank.
A decade later, MBF Holdings sold MBF Cards business to AmBank as Ambank wanted to boost up credit card operations.
the MBF credit cards are now known as "M" cards.

Yes.

M cards are junk now. All the while MBf cards were expensive but MBf Card provided some good services especially phone-in service to pay utilities/phone bills etc. You called local MBf office (outstation calls and calls from mobile were expensive) and MBf would help you to settle the utilities bills etc (No Maybank2u, online banking & Cash-Deposit Machines/Kiosks, and only paper statements by mail). Then UOB started Payonline but charged RM1 (when I was still using dial-up Internet) per bill payment.

Ambank is yet to phase out the obsolete products.
Same to Maybank - Millennium/Classic card (annual fee RM60), Citibank - Clear (annual fee RM90). They were the best and cheapest (AF) credit cards when I first applied for a CC.

This post has been edited by ClarenceT: Apr 12 2019, 01:20 PM

Transaction dates?

Acquiring bank (the merchant's service provider)
Not your card issuer.

This post has been edited by ClarenceT: May 5 2020, 09:21 AM

My Shopee parcel was picked up by Poslaju Wangsa Maju KL on 18/5, yet to reach Kuching at this moment! Now 4 days Gawai holiday, don't know if the parcel will be at Poslaju Kuching on Wed 3/6, the next working day!

OT: if you spend 3000 Bonuslink points (RM30 petrol) at Shell on special days (eg yesterday 8/8/2020), you will earn 900 Bonuslink points (30% rebate).

You can be channeled to 3 (or more we don't know yet) different gateways within the same hour!

Unionpay (China) issue more cards than Visa + Mastercard combined.
In Malaysia quite a lot of retailers accept Unionpay card, eg Aeon, Guardian, Parkson, H&M, Everrise Kuching, CS Mini Market Kuching etc.
Online you can use it at Prestomall, Youbeli, AirAsia.
You can't use Unionpay card at Bigpay, Grabpay, TNG wallet, Boost yet!

This post has been edited by ClarenceT: Mar 1 2021, 01:59 PM

If I apply, I will choose UnionPay credit card.

LOL Unionpay card can be used everywhere in Malaysia!
Go to Aeon buying RM1000 vouchers! Then gradually use the vouchers in the next few months.

This post has been edited by ClarenceT: Nov 7 2023, 11:46 AM

I am only interested in
- up to 10% discount (Enrich -5%, MHexplorer up to -30%)
- Lounge (unlimited but need to pay Annual Fee OR 4x/year with no annual fee)

Not interested to spend on something else.

This post has been edited by ClarenceT: May 18 2024, 09:04 AM

I am only interested in -10% on MH flights (currently -5% for Enrich and up to -30% for MHExplorer) and MAS lounge.

enrich.malaysiaairlines.com/enrichambank
is also not working yet.
Only here we can get 10% discount (except 5% for Class O and Class P).


https://www.ambank.com.my/ambank/SiteAssets...ditCardsTnC.pdf


This post has been edited by ClarenceT: Jul 2 2024, 02:41 PM

Open your second link file - TnC in pdf.
8. i & v.

+ Airport Tax and surcharge to be paid separately