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Credit Cards Maybankard 2 Gold & Platinum Cards V20, 5% M2 Amex on weekend spending (NOT ALL)

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YoungMan
post Jul 18 2019, 08:32 PM

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Hi all, lost count of all changes after reading this topic, so hoping for a bit TLDR.
1. Any trick to cancel one of the card, since first page said cannot cancel after 1 Sep 2018?
2. For utility payment and groceries, which card carries more benefit comparing the Amex and Mastercard?
3. If you keep both cards, can state briefly what are the pros and cons of each card?

Thank you.
YoungMan
post Jul 15 2020, 09:59 AM

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For this M2 gold card, which one has more benefit between the vs and mc? As I know we can't cancel the other card and keep Amex for new application, so have to choose carefully.
YoungMan
post Jul 15 2020, 03:39 PM

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QUOTE(cybpsych @ Jul 15 2020, 11:11 AM)
no benefits from maybank. however, visa or mastercard may have their own specific promotion.

up to you to decide. if you currently have many visa cards around, perhaps getting mastercard instead.
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Thank you. I am still weighing between getting PB Quantum Master and M2gold visa, or just forget about PB Quantum since Amex seems to be sufficient enough for the 5% weekend spend. For TP I don't really prioritise it because my spending is not that much monthly, hence it will be a long wait or even expired TP before I can utilize.

QUOTE(kw @ Jul 15 2020, 02:27 PM)
You can ask to cancel 1 of it when you are being charged with rm25 sst fees.
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Thank you for the info. Reading through I thought after sep 2018 cannot cancel.
YoungMan
post Jul 19 2020, 09:42 PM

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If compare side to side between Amex and PB Quantum Master, what advantage does one have over another? I know the Amex doesn't have cb for ewallet but any TP?

This post has been edited by YoungMan: Jul 20 2020, 08:33 AM
YoungMan
post Jul 20 2020, 08:40 AM

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QUOTE(ClarenceT @ Jul 20 2020, 06:53 AM)
If you stay in Kuching...
(1) PB Quantum MasterCard - spend RM600 at SarawakPay App only to get RM30 monthly CB. Then use Sarawak Pay at supermarkets, KFC (Sarawak outlets only) Pizza Hut (Sarawak outlets only), Guardian (Sarawak outlets only), Petronas (Sarawak outlets only), Sesco, KWB etc.
(2) M2 Amex - Unifi, Aeon, Shell, Petronas, Parkson, Guardian, Watson's, CS Mini Market, a lot of places in Kuching don't accept Amex (including Everrise, H&L, Everwin, DValley). 5% CB on weekend transactions only.
(3) PB Quantum Visa - This card can be more useful than M2 Amex, 5% CB using paywave, can be used at a lot of supermarkets, dining places.
Air Selangor bill can be paid at Boost App, TouchNGo ewallet App, Lazada, Shopee, e-pay.com.my, via FPX / Maybank2U / Maybank Savings account / Visa or MasterCard (not all). Amex not accepted.
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Thank you so much for the detail. Looks like not much benefit for the M2 Amex I can use in Kuching, but already apply so can't do anything. If My M2 cards approve have to try cancel the Visa otherwise RM25 yearly for card which I won't use. Only want to keep M2 Amex and PB Quantum Master is enough since the PB Quantum also can pay UniFi bill and get 5%. Another usage will be on Grab once in a while.

This post has been edited by YoungMan: Jul 20 2020, 08:42 AM
YoungMan
post Sep 1 2020, 08:06 PM

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QUOTE(stevenkkh @ Sep 1 2020, 08:47 PM)
You mean when apply, you got two card, have to pay rm25 each as sst regardless whether you cut off visa card and remain amex later stage, as here alot mention they cut off the visa/master and remain the amex only.
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If you read the last few pages, only cards approve prior to September 2018 are allowed to cancel one card. After that timeline you have to keep both and pay RM25 each card.
YoungMan
post Aug 21 2022, 09:03 PM

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QUOTE(PoisonSoul @ Aug 16 2022, 11:06 PM)
On the topic of CL, I just want some insights or wise words from fellow forumers here.

My current CL is very close to my current gross salary already (2-3 years back I applied for MBB2G and never requested to up CL).

Question is, should I request for an increase of CL?

I don't spend even near my CL. Only like very rare occasions I would need to use more than half of my CL.
I'm going overseas soon and I plan to request for a temporary increase of CL (maybe just an extra k or 2) but since as above, why not request for a permanent CL increase right?
I do have other CCs but MBB2G is my main and other CCs, I don't really use them (just to squeeze the perks of other cards).

So fellow forumers, temporary or permanent request is better? Greatly appreciate if the answer comes with some explanations/reasonings.  rclxms.gif
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This is just my personal view. For cashback CC like the Amex, it is good to have temporary CL as when needed. With the recent CC data breach in Malaysia, I personally am happy to have lower CL.

This post has been edited by YoungMan: Aug 21 2022, 09:06 PM
YoungMan
post Nov 1 2022, 07:57 PM

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QUOTE(tryingtolearn @ Nov 1 2022, 03:05 PM)
Want to apply for Maybank 2 Gold Cards. Should I apply through Maybank website or better go directly?
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Both ways also can. Just make sure if you apply online, the document is clear when you scan it to PDF.
YoungMan
post Nov 2 2022, 08:50 PM

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Asking on behalf of someone, is it possible to register Maybank2u account with just Maybank 2 gold cards? Said person do not have a Maybank saving account but just applied for CC.
YoungMan
post Nov 3 2022, 10:00 AM

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QUOTE(poweredbydiscuz @ Nov 2 2022, 09:11 PM)
Yes.
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Thank you.
YoungMan
post Nov 25 2022, 03:45 PM

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Maybe a bit out of context. Maybank has any Visa or MC that is good for both retail and online? If for cashback purpose the Amex is very under utilise as need to time for weekend spend in specific store that accept Amex.
YoungMan
post Nov 27 2022, 11:21 AM

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QUOTE(cybpsych @ Nov 25 2022, 03:59 PM)
too general. put more details. avg spending amt. where you spend mostly

also use topic here https://forum.lowyat.net/topic/4161836 to get proper recommendations.

follow template in post #2
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Alright. Will try to go through that topic to see if anything suits my current need.
QUOTE(ClarenceT @ Nov 25 2022, 05:03 PM)
Maybank Manchester United Visa Infinite
Maybank FC Barcelona Visa Signature (1% CB)
Maybank Grab MasterCard

But rewards/cashback % not as good as M2 AMEX Gold/Platinum

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Alternatively, surrender all your Maybank CC and CONVERT the credit limit to Islamic Banking (Maybank Islamic)

Visa-i : 8% CB at Petronas, on SAT and SUN.
MasterCard -i: 5% CB at Petrol stations and grocery shops (supermarket), on FRI and SAT.
Amex-i : 8% CB at online transactions (effective 12/12/22)

https://forum.lowyat.net/topic/4103568/+3580

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Use M2 Amex to buy TNG PINs at Lazada if available, or pay Shopee's SPaylater debt.

Use TNG wallet at any Duitnow QR merchants, so 5% savings.

Use SPayLater to pay at some ShopeePay merchants, 1.5% surcharge, so end up around 3.5% savings, better than most of credit cards.
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Thanks for those recommendation.
YoungMan
post Dec 15 2022, 10:01 PM

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QUOTE(zstan @ Dec 15 2022, 04:46 PM)
did you try to buy RM 1000 worth of credits every month to max out the cash back? and can we withdraw back into bank account if we top up with pin?
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Never ever try such combination unless you want to be banned.

 

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