Means annual income from basic/fixed salary is RM36,000.
i.e. RM3,000/mth income
It does not include variables like OT, claims, mileage, performance/KPI, etc.

If you have degree, RM30,000 annual income can apply already.

The usual true reason is Amex charge merchant higher. Each RM1k = RM10 more. If 10k=RM100 extra profit gone. Best is the merchant will ask you pay cash on the spot.

Try complain to Apple and get their disti terminated.

I have both. What I call it.

Left is MBB Amex Gold Credit Card. Has Maybankard name/logo on top.

Right is Amex's Amex Gold Credit Card.

Difference:
1) MBB Amex earns TP. Amex's Amex earns MR.
2) Amex's Amex autopay can earn 5x with TM and Maxis postpaid. Also, 2x with TNB. Can't do it with MBB Amex for autopay.
3) MBB Amex not free for life. Amex's Amex is free for life.
4) TP can combine with MBB Visa/Master to redeem. MR is separate catalogue, except during annual treatpoints fair.
5) MR can redeem 200 points = RM1 , so called cash back.

Similiarities:
1) Both earns 2x points
2) Both has credit limit, unlike charge card.
3) Both statement bills can settle through online M2u from MBB savings/current a/c.

Now, I'm solely using Amex's Amex. Will redeem MBB Amex points and cancel it next year.

I got the express auto-pay form in front of me. Also, my TNB already deducted from Amex's Amex in M2u.

Municipal (DBKL, MPSJ, etc.), TNB and Astro = RM1 = 2x MR

Fixed line tel bill (e.g. TM), Mobile Phone Bill, Internet Services = RM1 = 5x MR

Surprise ? No lah. I've been using MBB Amex for 3 yrs plus regularly for 2x TP. What I don't like is the annual fee.

Amex's Amex offers the same 2x points (MR).

To me, Adv for Amex's Amex as compared to MBB Amex:
1) Autopay 2x and 5x
2) Free for life
3) Can redeem 200 pts = RM1

Disad:
1) Cannot combine with my MBB Visa to redeem TP
2) Not all merchant accepts Amex.

I still have both with me. Recently MBB Amex free AF over, and I have to beg for 1 year waiver. Still got a lot of points there, due to 2x. But now keep in drawer.

Now, I solely use Amex's Amex as MBB Amex replacement.

One free day, I will redeem all MBB Amex TP and cancel it by next year.

That's my direct translation for it.

Welcomed TNB bill is the most difficult, as far as I know, no charge/credit card can use to pay for it except:
1) Amex Charge Card
2) Amex's Amex Credit Card
Both must be through auto-debit. No manual pay.

MBB CS screwed up my TNB and TM. Deducted but not reflected. I'm still following up

But once it is settled, it'll be peace of mind. Hopefully. Keep my fingers crossed.

This post has been edited by cute_boboi: Oct 3 2009, 06:59 PM

My 8x promo points is still not fully settled. Only got 80%+ so far...

I'm still following up with MBB CS.