I agree with you.

If we pay the card service tax as a part of our statement balance, we need to pay RM 25.00 per card, with cash.

However, we only need to redeem 10000 Treatspoints (equivalent to RM 20.00), to pay for card service tax for each card, and we get to enjoy RM 5.00 indirect discount on card service tax.

So, it is more worthwhile to pay the card service tax, with our Treatspoints.

This post has been edited by kart: Sep 2 2018, 08:54 AM

Rebranding the card is totally unnecessary, and costs money to bank. We do not want that to happen, as it may impact the features of credit card.

Most important of all, 5% weekend cashback and 5x everyday Treatpoints of Maybank 2 Card American Express must be retained, because that are the key features we all desire.

Similar to Public Bank Quantum MasterCard and Quantum Visa credit card, Maybank can still offer both Maybank 2 Card American Express and Visa / MasterCard to any potential cardholder. However, the cardholders have the right to obtain 2 cards, or just Maybank 2 Card American Express only.

This post has been edited by kart: Sep 30 2018, 05:41 AM

I discover that the calculation of available credit limit in the new Maybank2u website is a bit weird.

Suppose that my available credit limit is RM 7000.00, and I only have one Maybank Credit Card. I pay RM 30.00 to my Maxis Bill with my Maybank 2 Card Amex, on Maybank2u website.

Immediately after the Maxis bill payment, the available credit limit is revised to RM 6940.00, instead of RM 6970.00. So, there is a double deduction of RM 30.00.

After one or two days later, the available credit limit becomes RM 6970.00. From my experience, this double deduction of credit limit only occurs for online transactions, and not for retail transactions (swiping my credit card at credit card terminal). And, this matter should be unrelated to RM 200 pre-authorization hold for petrol transaction.

Yeah, it is not a serious matter, since the available credit limit will be corrected to reflect my actual spending of Maybank 2 Card Amex. Then again, why is there a need of double deduction of credit limit?

This post has been edited by kart: Oct 14 2018, 08:33 AM

We all know that for Maybank credit cards, 10000 Treatspoints are needed to offset RM 25 Card Service Tax.

Let’s say that I have only one Maybank credit card. Suppose that I have insufficient Treatspoints as of now, and RM 25 Card Service Tax has been charged to my credit card and becomes a part of my statement balance. With that, I have to pay RM 25 Card Service Tax.

Several months later, I have accumulated more than 10000 Treatspoints. Can I call Maybank CS to redeem 10000 Treatspoints (as an offset for my prior payment of RM 25 Card Service Tax), and request RM 25 to be credited to my Maybank credit card?

I did just that, during pre-GST era. So, I wonder that whether paying RM 25 Card Service Tax first, and then redeeming 10000 Treatspoints as RM 25 credit to my credit card later is still applicable these days.

Thank you for your confirmation.

This post has been edited by kart: Oct 23 2018, 06:15 AM

Good for you. Perhaps, the software version of the Maybank credit card terminal at AEON Supermarket MV is newer.

I tried to use MasterCard Contactless function of Maybank MasterCard Ikhwan Credit Card at AEON Supermarket Taman Maluri, but it failed. As expected, the PIN transaction with the same credit card worked well.

In my opinion, Maybank credit card terminals tend to support Visa Paywave only. So, it it will not work, if I tried to use MasterCard Contactless function of Maybank card, on the Maybank credit card terminals.

On the other hand, CIMB credit card terminals can support both Visa Paywave and MasterCard Contactless. It went well, when I used the same MasterCard Contactless function of Maybank MasterCard Ikhwan Credit Card, on the CIMB credit card terminals in Super Seven Supermarket.

Well, perhaps other savvy credit card users here have more positive experience with their MasterCard Contactless credit cards.

Last time, some of us managed to get free replacement of Maybank MasterCard Ikhwan Credit Card with MasterCard Contactless function, for example in Maybank Card Centre in Gardens, Mid Valley.

Perhaps, we can get free replacement of Maybank 2 Card American Express with Expresspay function, via same method. My Maybank 2 Card American Express is a little worn out, since it is my main credit card for retail swiping.

In exchange of free replacement, we savvy credit card users will help Maybank to promote American Express Expresspay function, and promote greater awareness among larger Merchants (such as Aeon).

Ok, I am not an expert in credit card terminals.

However, MasterCard Contactless, Visa payWave, Amex ExpressPay are implemented based on the same ISO standard, ISO/IEC 14443 (https://en.wikipedia.org/wiki/ISO/IEC_14443). Amex ExpressPay may be proprietary, but if there is no restriction on the acquirer bank, the credit card terminal should be able to accept all 3 contactless methods, which should be compatible with each other.

Then again, the acquirer bank, who supplies the credit card terminal, can choose to disable the Amex ExpressPay function, upon Merchant's request.

This post has been edited by kart: Oct 26 2018, 04:54 AM

It would be very helpful for us, if you can post your photo of your new Maybank 2 Card American Express card (with your card numbers hidden) here.

Thank you.

This post has been edited by kart: Oct 26 2018, 09:29 PM

fruitie sis,

I understand your opinion that there is not much tangible benefits to us users, if we get Maybank 2 Card American Express with Amex Expresspay. Yes, many merchants have chosen to disable Amex support on their credit card terminals, to avoid much higher MDR.

Among the remaining merchants who still accept American Express credit cards, how many of these merchants are willing to incur more costs to upgrade their credit card terminals to support Amex Expresspay?

Taking account of your opinion, I shall not rush out to replace my Maybank 2 Card American Express. If I need to perform some shopping errands in Mid Valley out of necessity, I may drop by Maybank Card Centre in Gardens to request for credit card replacement. Simply put, I will not purposely take the trouble to go to Maybank Card Centre in Gardens without any other purpose.

The reason for asking the photo of the card is for me to show the photo to Maybank staff in Maybank Card Centre in Gardens. Last time, when I requested for Maybank MasterCard Ikhwan Credit Card in Gardens, the Maybank staff did not understand my request and kept saying that the Maybank MasterCard Ikhwan Credit Card is a MasterCard and should not have Visa Paywave function.

Only when I showed the photo of Maybank MasterCard Ikhwan Credit Card posted by facktura (facktura's photo) to the Maybank staff, the Maybank staff finally understood my request and proceeded for credit card replacement.

In short, if I can have Maybank 2 Card American Express with Amex Expresspay, it is great for me (although there may not be any credit card terminal for me to try). If I cannot have the new card, I have no issue and I will not feel sad. Either way is fine by me.

This post has been edited by kart: Oct 26 2018, 10:35 PM

Thank you very much for your information from Maybank CS, cybpsych.

Alright, it is kind of cunning to state our card as "damaged".

Well, we need to give some sort of reason to Maybank Credit Card Management, to justify our credit card replacement.

Tomorrow is Saturday, and you do not need to use your Amex card? Oh, you intent to use your BigPay Prepaid MasterCard. Good for you.

This post has been edited by kart: Oct 26 2018, 10:47 PM

Just to confirm, to be eligible for 5% weekend cashback, the time for retail swiping at credit card terminals in foreign countries, and the time of online payment gateways hosted in foreign countries must be on Saturday and Sunday, based on the local time of foreign countries, which is independent of Malaysia time, right?

Thanks for sharing your discovery.

This post has been edited by kart: Nov 10 2018, 10:22 AM

Thank you for your explanation.

It is ok. We all know that the cashback is given based on the transaction date, not posting date. So, it is not much of a issue, if the transactions at credit card terminals in foreign countries are posted several days later.

Rather than waiting for the foreign transaction to be posted in M2U, we can choose to call Maybank Customer Service to know about the transaction date and time as recorded by Maybank systems.

As you rightly said, we need to make sure that we swiped our Maybank 2 Amex on Saturday and Sunday based on local time of foreign countries.

Thank you for highlighting the risk of missing cashback for online transactions.

Let's say that I first performs online transaction of a small amount through foreign payment gateways. Then, I call Maybank Customer Service to know about the transaction date and time as recorded by Maybank systems. Comparing that transaction date and time with the transaction date and time based on Malaysia's time (GMT+8), we would know the timezone of the foreign payment gateways, and then make necessary adjustment on when we should perform such online transaction.

Your method of swiping between Malaysia Time Saturday 8pm to Sunday 7pm is definitely the safest method. As we all know, the method I just mention is tedious, and I need to perform the same method for each foreign payment gateway. But, it gives me much wider duration for me to perform such online transactions hosted at foreign payment gateways.

In short, each method has its own pros and cons.

This post has been edited by kart: Nov 10 2018, 11:22 AM

Last time, when I applied for Maybank FC Barcelona Visa Credit Card, it was a extremely frustrating experience dealing with Poslaju. Yeah, I know that this is the Maybank 2 Card thread, but my point is about the rather inefficient Poslaju service.


Maybank was very efficient in quickly preparing and embossing the credit card, and sent out the cards from Maybank Headquarters within 1 working day.


All hard work done by Maybank was literally wasted by inefficient Poslaju, as my Credit Card was kept at a PosLaju Collection Centre for almost a week.


Upon getting the tracking number from Maybank CS and checking the status in PosLaju Track and Trace website, it was stated that Poslaju did attempt to come to my house to send my credit card, but the postman cancelled the delivery since there was no one at home. The truth is that my family members were at the home the whole time, and they did not hear any knock or sound from any incoming postman. So, the postman could have "faked" the delivery status of my credit card, in PosLaju Track and Trace website.


When I collected my credit card in the PosLaju Collection Centre, the postman claimed that it was "standard operating procedure" NOT to leave a document collection card in my mailbox, since the document is actually a credit card. It was a security measure implemented by PosLaju.


I replied that the postman could have left a document collection card in my mailbox, and discreetly ticked "document" instead of "credit card" on the document collection card, as a form of security measure. At least that way, I would knew that I have a pending Poslaju envelope waiting to be collected, rather than being left in a state of unknown.


The postman in PosLaju Collection Centre said that if the postman knew it was a credit card, they would NOT deliver the credit card to customer's home, and instead wants the customer to come personally to PosLaju Collection Centre to collect the credit card. No document collection card in my mailbox, no one calling my handphone to notify me, and worst of all, the credit card may be resent to Maybank Headquarters, if I did not get the tracking number from Maybank CS.


In the end, what is the role of Poslaju, after being hired by Maybank to deliver credit card? No one knows for sure.

This post has been edited by kart: Nov 10 2018, 11:29 PM

This is just for information for all.

https://www.americanexpress.com/my/network/...an-express.html

Pursuant to Bank Negara Malaysia's (BNM) Payment Card Reform Framework and in accordance with BNM’s letter dated 26 April 2018, with effect from 1 January 2018, the American Express issuer’s rate for domestic transactions acquired in Malaysia in relation to network card issuers will be 0.831%. This rate change will apply to all transactions that are acquired in Malaysia for American Express Credit Cards issued in Malaysia.

It is explained here that there is booking fee of RM 0.50/ticket.


For the weekend purchase of TGV RM 10 cinema ticket with Maybank 2 Card Amex, the 5 % weekend cashback gained is just RM 0.50, just barely enough to offset the booking fee. I know that RM 0.50 is insignificant these days, though.


Luckily, we still have 5x Treatspoints (equivalent to 1% cashback) to gain from the ticket purchase through app. It is not much, but we can keep accumulating the Treatspoints, to offset card service tax in the future.


Then again, as fruitie sis mentioned, the advantage is that it saves our time from queuing up. Plus, we do not have the hassle of taking out our credit card, for ticket payment over the counter.


In the end, we movie enthusiasts can gain some benefits from using the app to purchase the TGV RM 10 cinema ticket with Maybank 2 Card Amex.

This post has been edited by kart: Nov 29 2018, 04:57 AM

When I select my Maybank 2 Card American Express in the drop-down menu for bill payment in Maybank2u website, I can still select my Maxis bill.


I have not tried to make Maxis bill payment via my Maybank 2 Card American Express in Maybank2u website, because the due date for my Maxis bill payment is still a few weeks from now.


I realize that there are many criticisms aimed at Maxis for rather unsatisfactory services rendered to Maxis Customers. Even I myself am not spared inconvenience imposed by Maxis upon me.


One of the remaining reasons I choose to stick with Maxis is that Maxis allows us to pay Maxis bill with American Express cards in Maybank2u website. If Maxis decides to withdraw support for American Express cards and restricts bill payment methods to Visa, MasterCard or JomPAY in Maybank2u website, I may have to consider porting my line to Celcom or Digi.


I am keeping my fingers crossed, that Maxis continues to allow Maxis bill payment via American Express cards in Maybank2u website.

This post has been edited by kart: Dec 8 2018, 06:05 AM

Nowadays, it is getting to be very frequent to see announcements posted on internet banking websites for various banks, stating that Telekom Malaysia and Maxis remove the bill payment function (either via savings account or credit cards) and allow bill payment via JomPAY only in internet banking websites.

Sigh, it is getting tough for us trying to get online cashback for bill payment, via our credit cards (especially Maybank 2 Card Amex).

UOB Yolo Card, which grants online cashback for JomPAY transactions, seems to be increasingly important for us, in our quest to maintain our monthly cashback.

This post has been edited by kart: Dec 9 2018, 08:59 AM

For Maybank and some banks (except the notorious CIMB), cashback can be considered as a part of payment for statement balance.

However, for Maybank, we cannot treat refund transactions as a part of payment for statement balance, without incurring financial charges and late payment charges, right?

Ok, for Maybank, the required payment that we need to pay is at least statement balance minus the cashback (which is granted on 1st of each month, for those with the statement date on the end of each month). Alright, I will take note of this.

Thank you very much for sharing your finding, iXora.ix.

The credit card terminals for both of these Amex contactless transactions may be the same VeriFone terminals, with the same software version v4.8.0a.

So, if we encounter other merchants who are using the same VeriFone terminals (supplied by Maybank) with same software version or newer, it is more likely that we can pay via Amex contactless.

Probably, VeriFone terminals (supplied by Maybank) with software version v4.7.9h, used in Touch n Go Hub in NU Sentral, may not be able to support Amex contactless transactions. Then again, VeriFone terminals in Touch n Go Hub in NU Sentral may eventually be updated to newer versions.

Again, I am not so familiar with credit card terminals. Perhaps, other experts can provide more detailed explanation than me.

This post has been edited by kart: Dec 23 2018, 09:24 AM

Thank you for sharing your findings, fruitie sis, iXora.ix and ken120.

It may take quite some time, for credit card terminals to be updated, to support Amex Contactless (Amex ExpressPay).

One of the agent supplying VeriFone credit card terminals (on behalf of Maybank) is IT Bizflow Sdn. Bhd. (http://www.itbizflow.com/products.htm). If I am not mistaken, the VeriFone credit card terminals used in AEON, and Touch n' Go Hub in NU Sentral are supplied and maintained by IT Bizflow Sdn. Bhd.


I am not sure how the agents update the software of credit card terminals.
- Option 1: Can they remotely update the software of credit card terminals, from their office? After all, all credit card terminals are connected to the Internet, via wired connection or mobile network (such as Maxis); Or,

- Option 2: Do the agents have to deploy their on-site technicians, to go to the merchant outlet and manually update credit card terminals, one terminal at one time?


The software of credit card terminals will be updated faster, if they can implement Option 1. If only Option 2 is viable, it will be slower to update the software of credit card terminals to support Amex Contactless transactions.


Plus, they may just update the selected credit card terminals, just to see the stability of the software in accepting Amex Contactless transactions. Once the updated software are sufficiently stable for mass adoption, eventually all Amex-complaint credit card terminals will be updated to support Amex Contactless transactions.


Maybe for now, we can just perform trial and error, to figure out which credit card terminals are updated to accept Amex Contactless transactions.


Logically speaking, Visa PayWave is the most popular contactless credit card method, followed by MasterCard Contactless. Yes, Amex ExpressPay is recently implemented in Malaysia, and has a lot to catch up with Visa PayWave and MasterCard Contactless. However, let's do our part in performing Amex Contactless transactions, wherever possible, as a sign of support.


Again, I am not so familiar with credit card terminals. Perhaps, other experts can provide more detailed explanation than me.

This post has been edited by kart: Dec 25 2018, 09:52 AM

Maybank Great Sale

https://www.maybank2u.com.my/maybank2u/mala...bbsale0319.page

Terms and Conditions

I have read the Terms and Conditions, but I want to be really sure.

If I am interested in only RM99 Cash Back, I do not need to pay anything to Maybank, other than fulfilling the qualifying entries of RM100 transactions, right?

Yes, I know that the terms and conditions state that Eligible Cardmembers will be shortlisted by Maybank's randomizer programme, and it is by luck.

Thank you for the clarification.

This post has been edited by kart: Apr 3 2019, 09:46 PM

I remembered that someone here mentioned that the RM 50 weekend cashback for Maybank 2 Card American Express per each cardmember is fully paid by American Express in USA, not Maybank.

Since the credit card interchange fee is now capped at 1.0 %, Maybank can use this interchange fee to pay for 5x everyday Treatspoints, even for weekend transactions.

As such, Maybank should not need to use its internal fund, to pay for 5 % + 1 % total effective cashback for weekend transactions.

However, why does Maybank still need to revoke 5x Treatspoints for weekend transactions, and 5 % cashback for weekend utilities and government bodies transactions respectively?

This post has been edited by kart: May 7 2019, 07:01 PM