Aiyah, I thought Charged Card as he applied for Gold CC. Kind of odd for Amex to allow having both Gold and Plat CC.

Seriously speaking, for the moment Amex Gold CC is better for people like me who does not play golf, dine at Shangarila often and spend money at merchants that give 10X rewards. As you all know Gold Amex CC 5X MR for purchases of groceries & petrol and have auto AF beats the Plat card. I would prefer to use Amex Gold CC over any of my Plat CC simply because of the 5X reward points and I don't consider it a downgrade. But if AMEX do waive AF for Plat charge card I would definately ask for upgrade for "shiok sendiri" feeling

Not more realistic but practice value for money want get discounts and offers with free card, hahaha.


As I mentioned earlier, I would also don't mind getting an AMEX Charged Plat Card (Not so much Plat CC as too many CC) if the AF is waivable. In your case and my case it would be ridiculous to pay RM800 for a Amex Plat CC but if one does play golf or dine frequently at Shangrila then it is very worth it. Also they are giving free Longines Watch if spend more than RM20,000 within 6 months but then again I don't wear a watch nowadays as I have my mobile phones with me all the time.

Last but not least, to really observe a person that have status (that says look I am filthy rich), look at the person clothes (not necessary the brand but the material and more importantly the brand of his/her shoes and not the cards that he/she has.

quanteik, I have experienced what MileAndMore mentioned, the point is we rely too much on cards and got no cash in the wallet My wallet is full of CC but sometimes have less than RM50 (I only go to the bank once a week to withdraw cash, no ATM). Once went for lunch with boss and someother people after a site visit, suddenly boss ask me go settle bill and the restaurant don't take CC luckily the other party insisted they pay.

Dozz, when you last call them? I called them last Thursday and was informed application approval pending my supp IC (I faxed them like 1 week before that and the CS handling my case did not receive it and sat on my application) so asked the guy attedning to me on the phone why can't MBB check with Charged Card Dept. Anyway I just called them and my application has been approved yesterday. The CS told me should be getting the card in 2 to 3 days time.

You guys mentioned that CL wil be shared among other MBB CC. Wonder what will be my CL for AMEX Gold CC, because last month applied for MBB Petronas Gold and for income I just filled >RM50K and they only gave me RM20K CL which is fine as how much petrol I can fill. If my AMEX CC Gold share the same CL with my Petronas Card, then it will be the lowest CL I will have, even my RHB Evo and Citibank ClearCard has higher CL.

This post has been edited by Gen-X: Jul 1 2009, 04:44 PM

No lah, I not cpmplaining for MBB Petronas Card lah. What I am saying is that it was mentioned by others here that CL is shared between MBB cards. So if that applies to my case, I am just wondering if my CL for AMEX Gold CC would also be capped at RM20K and shared. RM20K for petrol definately enough for 1 year.

This post has been edited by Gen-X: Jul 1 2009, 05:32 PM

True, RM20K more than enough if got other CC which means I can't use my AMEX Gold CC once I reach that limit. Who cares about Petronas Card since AMEX also giving 5X reward for petrol


You are right, 2 weeks is long considering they can check your personal info from their system. When I called last Thursday, my application was pending my wife's IC, Monday I called the CS in charged of my case (pretty fresh and inexperience guy) told me his manager handling my case, today it has been approved. When you call, ask them what does their system show i.e. approval pending what?

Actually I seldom pump at petronas except if I have no alternative on the highways. If you read in CC Thread, got the Petronas Card because went there early last month to get Transformer T-Shirt and cap for my son and this agent pleaded that I sign a card with her as it was near 7pm and got no business yet and got two children to feed. So me being easliy conned fill up the form. She asked me to get Plat which I said no just Gold Card will do. Have not used the Petronas Card even once. And at that time Amex Gold CC not launch yet.

Yah, you are right once again, never taught that Amex not accepted at Petronas "Pump Unit" (or whatever it is called) but if not mistaken I read somewhere it can be accepted at the counter? Anyway no probs if they don't accept Amex, got DA plus Mesra Card

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Added on July 1, 2009, 8:47 pmMy wife just told me today she got RM30 voucher for spending more than RM500 with AMEX at MetroJaya Members Day today which is on top of RM10 for every RM100.

This post has been edited by Gen-X: Jul 1 2009, 08:47 PM

winner: got freebies for MBB Petronas ar? I didn't get any, guess I got conned again?

I am hoping it is not shared, guess will know for sure next week.


Did you tell them you want your "feng shui" number, JK.

Yah, for me personally, I think the MR is pretty good. I have been getting 3X MR for the past 2 years with my AMEX charged card and I find that it is better value compared to other CC rewards points.

Now can redeem cash, 200 MR = RM1. With this rebate redemption, for normal 3X turbo MR it will work out to be 1.5% rebate, with 5X MR it would work out to be 2.5% and current promotion 8X MR equals 4%. Best part for AMEX, it is not capped like RM50 a month as we use MR to redeem for rebate. (just for comparison sake, HSBC also have cash rebate redemption from points but need 11,000 points for RM50 which works out to be 0.45%).

And if you have Esso/Mobil Smiles card, you will get another 1.5% rebate, so for using Amex + Smiles, current promotion of 8X MR we are actually getting 5.5% rebate any day of the month Too bad 8X promo ending 15 July this year but with Amex Gold CC 5X MR, we can get equivalent to 4% rebate if pump at Esso/Mobil.


If you are like us presently getting 8X for petrol and groceries with your AMEX, yah, better get the Amex Gold CC soon so can get 5X MR for petrol & groceries comes Mid July.

This post has been edited by Gen-X: Jul 2 2009, 04:17 PM

Bro, I was JK (just kidding) lah.

Anyway talking about numbers, I love my AMEX Charge Card Member Since: 88

Charge card does have its benefits Many people don't realize it, the benefits are better than CC and it is accepted by most merchants at the malls (except maybe Sg. Wang). Even AMEX 15% discount at Amarin is better than HSBC 10%.

Actually, before DA had 2% rebate thingy for petrol, all my petrol transactions was with my AMEX charged card which gives MR (with Turbo somemore) whereas using CC you get nothing i.e. no reward points. After DA offered 2% rebate I use it for all petrol transactions but when AMEX offered 8X MR, I switched back to AMEX for petrol purchases.

Now you know lah why we all fast fast go get AMEX Gold Card. and tinkerbel, you sure you want to "downgrade"

IMHO, AMEX GOLD CC is a very good product because it gives 5X MR for BOTH petrol and groceries. Some CC only give benefit for petrol and same rebates at 2 or 3 hypermarkets but not both. With AMEX Gold CC, we don't have to remember what card (or even what day) to charge at which hypermarket or petrol station. In addition also get 5X MR at Borders, Kinokuniya, Times & MPH (but at MPH DA/CIMB better RM5 voucher for every RM90) and Autopay with Celcom, Telekom, DiGi and Maxis.



It would be separate that's for sure. Amex CC and Charged Card are different department also. I find the CS for charged card curteous and experienced. I was very dissapointed with the CS handling my AMEX Gold CC application where I felt he was very inexperience when handling my questions.

Get both AMEX Gold charged card and CC

Bro, go get AMEX Gold CC even if you have the charged card simply because of the 5X MR which is even better than Turbo. There is no expiry date for MR (so far).

Yes, you still have to submit your IC and just another photcopy of your existing CC. This is because the charged card and CC not same dept. You can also just fax to them the application form.

Don't show them lah especially your Plat, hahaha. Seriously, why run away, it shows you are a capable woman and he has one less C to worry about or in your case none at all (5C = Cash, Credit card, Country Club, Condo and Car).


If your happen to have AMEX charged card with the 4 ending, call CS and say your card spoil or damaged, they will sent you new card with new number. No kidding. As for CC, I know UOB will give you new number if card damaged. For other cards report stolen, 100% you get new number.

I did have a Amex Gold CC back in the 1990 and it was called Optima where the background design kind of similar to present AMEX Gold CC. Below is photo of my Optima Card with my very 1st Amex charged card which is more than 20 years old; and today's design is still almost identical for the charged card. Amex issued me the Gold Card during my final year as an undergraduate in USA even before I was 21 years old and when I came back the account was transferred here

This post has been edited by Gen-X: Jul 3 2009, 12:43 AM


Attached thumbnail(s)

good to hear that you have received the Gold CC.

The Combined Credit Limit can also mean together for supp card (even if you don't have one as it may be a standard paper where card are stuck to) and not necessary with other MBB cards (?)


Good job in replying hueyseng84 questions. You definately can qualify as an agent where you can work part time on weekend at the malls

cute_boboi: Amex Gold CC overseas transactions, is the admin fee also 2.5% same as Charged Card?

All: AMEX Gold CC also advertise 0% finance charge until year end. What are the T&C?

As mentioned by others, Petronas don't accept AMEX and some say they do but inside at the counter.

This post has been edited by Gen-X: Jul 5 2009, 08:43 AM

Just got my Amex Gold CC today. Called them and they informed that card is good to go and not needing any activation.

Too bad they charge is 2.5% for overseas transactions.

And as you have confirmed many times, my CL maintained the same as my MBB Petronas.

As for 0%, the CS told me all transactions will be interest free until end of year i.e. pay minimum and the rest outstanding not subjected to interest charges.

Well, I did ask about CL increase, initially the CS said got to wait a few months then apply, so I asked can't they based it on my charged card transactions and after checking my charged card account the CS said he'll put in a request with their credit department. As fot the 0% thingy, it couldn't come in a better time for me as I will have some major expenses for coming 2 months but then again with my present CL the difference in not much in terms of the returns I'll be getting by not having to withdraw my funds. Well, guess I just have to wait and see.

Dozz:


I agree with you fully but with my CL I will be getting less than a couple hundred RM interest from FD, if they give me more CL than I can earn more interest from FD or elsewhere


tinkerbel, Actually I'll be going to US next month for 2 weeks with my wife and son, bad timing in view of H1N1 but can't delay my son's entry to U there. Too bad AMEX charges 2.5% for overseas transactions; however good thing is I have Alliance Plat. I'll be in Vegas for 2 nights after I drop off my son, any idea where the shows you mentioned are being held and maybe will catch the show as it is highly rated by you and tgeoklin. The last time I was in Vegas was like more than 20 years ago!

And yes, you should continue to encourage him so all can see his response.

thanks to both of you for the link, me more interested in zumanity

and tinkerbel, by the way, what's the meaning of me not in the same generation as you I got married very early even before I graduated at 21 and my son got accepted into U a week after he turned 17. Don't lah say I old dy, not yet even reach my prime hahaha

Guess it is normal for many for us to have many cards, I myself got 1 charged card and 10 CC and I don't pay AF for any of them But no matter how many cards I have still can't buy a helicopter or airplane unlike vampbreak where he can with a single swipe

This post has been edited by Gen-X: Jul 7 2009, 10:55 PM