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 Merchantrade money VISA, Multi Currency Wallet

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abcn1n
post Jun 6 2020, 09:57 AM

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QUOTE(ericlaiys @ Jun 6 2020, 01:41 AM)
no. as long you got money inside. frankly speaking now mco, where got people want to travel and use other currency.
they will charge RM8 per year for your card. Let say next year (after a year), if inside no balance to deduct rm8, then most likely card invalid
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Thanks. Didn't know they charged RM8 per year. Wanted to use it as an ewallet but found out merchantrade forex rate really lousy-worse than moneychanger.
ericlaiys
post Jun 6 2020, 10:59 AM

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QUOTE(abcn1n @ Jun 6 2020, 09:57 AM)
Thanks. Didn't know they charged RM8 per year. Wanted to use it as an ewallet but found out merchantrade forex rate really lousy-worse than moneychanger.
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it has it's usage and depend how u see it. u can use as prepaid debit card with RM balance.
for me,you can easily buy the currency when low and keep digitally. Multi currency wallet is quite useful. I sure need SGD, USD, Dong, Euro, Pound, etc when travel
Else, end up having physically notes which keep as dust and always useless for small notes changes.

compare to bigpay, u can keep the currency (buy low) and sell when high. or keep it for future use.

conclusion, it has the value depend how you use it

This post has been edited by ericlaiys: Jun 6 2020, 11:00 AM
coo|dude
post Jun 6 2020, 04:57 PM

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QUOTE(ChiaW3n @ Jun 3 2020, 07:35 PM)
Long story cut short, need to spend with card 1k one transaction in order to reap the max cb of RM50. At first I thought can accumulate like we do for maybank2.
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Can it be used for ewallet topup?
ChiaW3n
post Jun 7 2020, 12:23 AM

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QUOTE(coo|dude @ Jun 6 2020, 04:57 PM)
Can it be used for ewallet topup?
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I haven’t even got my card yet
datolee32
post Jun 7 2020, 07:04 PM

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QUOTE(coo|dude @ Jun 6 2020, 04:57 PM)
Can it be used for ewallet topup?
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Can use cash or FPX only I heard
abcn1n
post Jun 8 2020, 12:29 AM

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QUOTE(ericlaiys @ Jun 6 2020, 10:59 AM)
it has it's usage and depend how u see it. u can use as prepaid debit card with RM balance.
for me,you can easily buy the currency when low and keep digitally. Multi currency wallet is quite useful. I sure need SGD, USD, Dong, Euro, Pound, etc when travel
Else, end up having physically notes which keep as dust and always useless for small notes changes.

compare to bigpay, u can keep the currency (buy low) and sell when high. or keep it for future use.

conclusion, it has the value depend how you use it
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I got merchantrade because of the multicurrency wallet--wanted to use it for investment purpose but the rates are just too lousy.
datolee32
post Jun 14 2020, 10:47 AM

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QUOTE(abcn1n @ Jun 8 2020, 12:29 AM)
I got merchantrade because of the multicurrency wallet--wanted to use it for investment purpose but the rates are just too  lousy.
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Compare to Merchantrade, bigpay currency more attractive right?
datolee32
post Jun 14 2020, 11:54 AM

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QUOTE(ChiaW3n @ Jun 3 2020, 10:29 AM)
I emailed them and ask about the free RM50, this is what she replied.

Please be informed that you will be entitled for 5% cash back from minimum spending of RM200.Also take note that the RM50 is the maximum pay out and not entitled for your entire minimum spending.

This campaign will be ending on 30th June 2020 and the cash back will be credited three weeks from the end date of the campaign.

The mechanism is to reward 5% cash back from your highest spending throughout this campaign period. Example is you have spent RM200 twice and RM250 once, the cash back will be applied on RM250 and you will rewarded with RM12.50.
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Anyone use this card to pay insurance (not insurance from Merchantrade), whether it is entitle the cash back or not? I am going to pay for auto insurance.
abcn1n
post Jun 14 2020, 01:07 PM

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QUOTE(datolee32 @ Jun 14 2020, 10:47 AM)
Compare to Merchantrade, bigpay currency more attractive right?
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Not only bigpay but normal money changer forex are better
ericlaiys
post Jun 14 2020, 02:02 PM

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QUOTE(datolee32 @ Jun 14 2020, 10:47 AM)
Compare to Merchantrade, bigpay currency more attractive right?
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merchantrade allow you to buy and sell anytime even before u travel
bigpay is when use and only after 3 days know the currency conversion. depend on market price. if go up, then no good. if go down, it is good

So both has value & i have both as travel companion
ChiaW3n
post Jun 14 2020, 09:38 PM

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QUOTE(datolee32 @ Jun 14 2020, 11:54 AM)
Anyone use this card to pay insurance (not insurance from Merchantrade), whether it is entitle the cash back or not? I am going to pay for auto insurance.
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I have asked if top up to e wallet entitled for the 5% cash back and obviously no.

So direct pay to shopee yes, but shopeepay no.

As below,

Furthermore the 5% cashback is eligible for online and retail transaction whereby top up/transfer amount to another e wallet account is not eligible for this campaign thus miss can go through product T&C for further info at https://www.merchantrademoney.com/wp-conten...Y4U_Generic.pdf .
datolee32
post Jun 14 2020, 09:44 PM

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QUOTE(ChiaW3n @ Jun 14 2020, 09:38 PM)
I have asked if top up to e wallet entitled for the 5% cash back and obviously no.

So direct pay to shopee yes, but shopeepay no.

As below,

Furthermore the 5% cashback is eligible for online and retail transaction whereby top up/transfer amount to another e wallet account is not eligible for this campaign thus miss can go through product T&C for further info at https://www.merchantrademoney.com/wp-conten...Y4U_Generic.pdf .
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I see, thank you. I saw that too. But it didn't mention whether 3rd party insurance entitle it or not. Any card has more cash back if pay insurance besides standard chartered?
ChiaW3n
post Jun 15 2020, 09:32 AM

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QUOTE(datolee32 @ Jun 14 2020, 09:44 PM)
I see, thank you. I saw that too. But it didn't mention whether 3rd party insurance entitle it or not. Any card has more cash back if pay insurance besides standard chartered?
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I think you just missed the boat, Barcelona whereas offered 10% capped at RM100 back in May, next boat will be in Aug.
datolee32
post Jun 15 2020, 01:10 PM

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QUOTE(ChiaW3n @ Jun 15 2020, 09:32 AM)
I think you just missed the boat, Barcelona whereas offered 10% capped at RM100 back in May, next boat will be in Aug.
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I see, thanks for your advise. My Barcelona quota full last month, but so coincident this month need to pay auto insurance, just asking if there any card have better cash back on this.
ClarenceT
post Jun 15 2020, 01:14 PM

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QUOTE(datolee32 @ Jun 15 2020, 01:10 PM)
I see, thanks for your advise. My Barcelona quota full last month, but so coincident this month need to pay auto insurance, just asking if there any card have better cash back on this.
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Motortakaful.com (Etiqa Takaful) - Maybank M2 Amex Gold/Platinum 5% weekend CB.
datolee32
post Jun 15 2020, 01:16 PM

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QUOTE(ClarenceT @ Jun 15 2020, 01:14 PM)
Motortakaful.com (Etiqa Takaful) - Maybank M2 Amex Gold/Platinum 5% weekend CB.
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I see, thank you very much!
harrishkrishna1
post Jun 29 2020, 07:47 PM

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Any other benefits such as points etc.?
datolee32
post Jul 21 2020, 06:08 PM

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Received RM 50 cash back and RM 10 issuing fee waiver today smile.gif
leo_kiatez
post Jul 31 2020, 10:52 AM

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QUOTE(abcn1n @ Jun 8 2020, 12:29 AM)
I got merchantrade because of the multicurrency wallet--wanted to use it for investment purpose but the rates are just too  lousy.
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So which rate is not lousy?
abcn1n
post Aug 1 2020, 09:50 PM

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QUOTE(leo_kiatez @ Jul 31 2020, 10:52 AM)
So which rate is not lousy?
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Try transferwise

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