LostAndFound did.

After 1 June 2019, for Maybank 2 Card Amex, we will not obtain any TreatsPoints for weekend transactions. It is quite undesirable for us, especially for some of us who need to accumulate 10000 TreatsPoints to offset RM 25 of card service tax.

Let’s assume that a person, who has only Maybank 2 Card Amex, is short of a thousand TreatsPoints or so, in getting the required 10000 TreatsPoints. What should this person do?

a) Pay RM 25 of card service tax with his or her own cash, or;
b) Intentionally uses Maybank 2 Card Amex during weekdays to achieve the required 10000 TreatsPoints, forfeiting the 5 % weekend cashback.

Either method is not ideal for this person. Accumulating TreatsPoints in lieu of 5 % cashback is not worthwhile, since TreatsPoints is just worth 0.2 % cashback.

It is tough time ahead of us.

This post has been edited by kart: May 10 2019, 10:23 PM

Which transactions are considered by Maybank, as transactions on government bodies?

Only those transactions with MCC 9399 - Government Services ( Not Elsewhere Classified)?

Thank you for your clarification, cybpsych and ClarenceT.

Alright, I avoid using the Maybank 2 Card Amex and FCB VS Card on transactions with MCC 9***.

Well, in August, I plan to use FCB VS Card to pay the membership fee for The Institution of Engineers, Malaysia (http://www.myiem.org.my), with MCC 8911 - Architectural – Engineering and Surveying Services. It should be still good to get 10% cashback, as it is not MCC 9***.

This post has been edited by kart: May 11 2019, 07:45 PM

Could you please request Maybank to provide the list of MCCs categorized by Maybank as MCCs for utilities & government bodies, via e-mail?

We can consider MCC 4900 as the MCC for Utilities, and MCC 9xxx for government bodies. Then again, Maybank may have different categorization of MCCs for utilities & government bodies.

Thank you for your help, as always.

This post has been edited by kart: May 18 2019, 07:16 PM

So, just to confirm, nothing will be awarded for weekend transaction on utilities and government bodies, isn't it?

After 8 July 2019, can we still get 5% cashback, if we reload physical Touch n' go card in any TNG Hub with M2C Amex, during weekend?

As of now, we are not 100% sure, right?

#Victor and xeon1989:



In short, if you want to receive SMS alert, just do not install Maybank App.

This post has been edited by kart: Jul 17 2019, 06:27 AM

Has anyone tried to reload physical Touch n' Go Cards with Maybank 2 Card Amex during weekend after 8 July 2019, and still managed to get 5% cashback on 1st August 2019?

By logic, reloading physical Touch n' Go Cards should not be affected with the recent revision, but the assurance from the confirmation from the users here is appreciated.

This post has been edited by kart: Aug 4 2019, 11:01 AM

Thank you for your confirmation.

Where did you reload your Touch n' Go card?

Good choice.

Then again, if we reload Touch n' Go card in any Touch n' Go hub, I am uncertain whether we can still get the 5% weekend cashback.

Thank you.


Thank you for your confirmation.

Roughly what is the time zone of the GHL payment gateway, if I purchase movie tickets at https://www.tgv.com.my/ with my Amex card, on a computer?

Thank you for your information.

Thank you for sharing your justification, tan_aniki .

ClarenceT's suggested timeline as follows is the safest, for sure.



Then again, it may be too restrictive in buying movie ticket. Well, if I need to wait till 8 pm Saturday, I may miss out to buy the desired time slot for the movie. At least, your method may provide some leeway in buying the tickets.

Last time, I selected 'Telekom - Tel and Multimedia' in Maybank2u website, and then paid my TMNet Streamyx bill (Account Number starting with D; now known as Unifi Lite), with my Maybank 2 Card Amex, without any issue.

Now, when I attempt to pay the same bill, the Maybank2u website states the following:



The other choices in Maybank2u website is 'Telekom Malaysia Berhad - Streamyx', and 'Telekom - Unifi'. I cannot pay with Amex, if I select 'Telekom Malaysia Berhad - Streamyx'.

Despite the change of package name from Streamyx to Unifi Lite, and the statement in Maybank2u website, should I still choose 'Telekom - Tel and Multimedia', to pay my TMNet Streamyx bill?

Thank you for your advice.

This post has been edited by kart: Nov 1 2019, 10:04 PM

So, for on-the-spot TreatsPoints redemption at any card centre now, the rate of TreatsPoints redemption is 580 TreatsPoints equals RM 1.

Why didn't Maybank post the revised rate of TreatsPoints redemption, in Announcement Page in new Maybank2u website, and just silently increases the rate in the Redenption Catalogue?

Rightfully, Maybank should give us 21-day notice period, prior to increasing the redemption rate.

What about the redemption of TreatsPoints to offset Card Service Tax of RM 25 per card?

Recently, has anyone managed to offset the Card Service Tax of RM 25, at the same rate of 10000 TreatsPoints equals RM 25.00?

Thank you for your information.

This post has been edited by kart: Dec 2 2019, 11:57 AM

To be eligible for cashback (in this case 5% cashback) for Maybank Credit Cards, the following 2 conditions must be fulfilled:
- Each transaction amount must be more than RM 1.00.
- Total amount of all transactions eligible for cashback in a single calendar month must be more than RM 20.00.

For Condition 2, even if you make just a single transaction worth RM 20.00 in a single calendar month, you are eligible to get RM 1 of cashback.

There was a time when I performed a RM 0.50 grocery transaction during weekend, but I did not get the cashback only for this transaction. On that calender month, the total amount of all transactions eligible for cashback was around RM 300.

I called Maybank, and Maybank said that Maybank will not grant cashback for any transaction with amount lower than RM 1.00.

This post has been edited by kart: Dec 4 2019, 05:34 AM

I called Maybank once regarding that matter, and from then onwards, I know that the transaction amount that I should swipe with Maybank credit cards must be more than RM 1.00. It is one-time hassle to call, but it gives me a lifelong understanding of how Maybank cashback is calculated. I accepted the fact that Maybank would not grant me the RM 0.02 cashback (= RM 0.50 x 5%), for that RM 0.50 grocery transaction, and I chose no further appeal or complaint.

The condition that each transaction amount must be more than RM 1.00 is never explicitly stated in any cashback terms and conditions for any Maybank credit cards. And yet, it is implemented in the algorithm of Maybank computer system that first excludes any transaction amount less than RM 1.00, before calculating the cashback. I could be wrong, but in my opinion, the exclusion of any transaction amount less than RM 1.00 is to reduce the computational load on the Maybank computer system that calculates the cashback.

So, you could say that this condition is probably mentioned in the internal standard operating procedure within Maybank credit card department employees, but is never publicly stated in any cashback terms and conditions for any Maybank credit cards, unless the customers verbally request for explanation from Maybank customer service executives.

Why did I swipe RM 0.50 with Maybank credit card? I myself try to cultivate the habit of performing cashless transactions. Since I try to spend with credit cards as much as possible instead of cash, referring to my credit card statement will allow me to have better idea of my expenditure.

Let's not forget that in Europe, it is common to use credit and debit cards to pay for small-amount purchases. Plus, from the country's point of view, it is expensive to use currency notes and coins, because it costs money to circulate the money, from the banks, general public (who withdraw salary from ATM), retailers and businessmen (who may deposits some of daily proceeds into cash deposit machine) and back to banks.

This post has been edited by kart: Dec 5 2019, 10:12 PM

This is just my unverified opinion, so do not quote my opinion. It is just for your information.

For any normal credit card transactions charged to Maybank credit cards, Maybank will impose around 1% of merchant discount rate (MDR) to the merchant.

Generally, for these government service and utilities transactions, the merchants (governmental bodies and utilities companies) may have requested Maybank to lower the merchant discount rate, probably due to lower profit margin (or if none) gained by the merchant from the transactions.

So, since Maybank earns very little profits due to very low merchant discount rate, it does not make any financial sense for Maybank, to grant 5% cashback for these government service and utilities transactions, to Maybank credit card users.

This post has been edited by kart: Dec 11 2019, 10:13 AM

Thank you very much for constant remainder, ClarenceT.

So, it look like that we have to make advance payment to our telecommunication bills, insurance, stocks up grocery vouchers (such as AEON vouchers), in first half of year 2020, in preparation for the possible cut in cashback during end of year 2020.

This post has been edited by kart: Dec 11 2019, 11:00 AM