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 American Express® Cards, Membership Rewards™

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RockIron
post Feb 1 2009, 05:47 PM

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QUOTE(my44 @ Feb 1 2009, 10:01 AM)
I would like to share my experience trying to fill up with at Petronas petrol station with my AMEX.

Background:
There are two types of Petronas station. One only displays "Kad Diterima". Another displays "Kad Diterima" with clear logos of Visa, MC and AMEX.

Case I: Petrol station with no AMEX logo
When I slotted in my AMEX card, the machine detected the card & my name. Then it went to getting approval mode, then the AMEX card got ejected out. Some error message blurted out ('error 14' or whatever ..). The machine went offline for 2 minutes before it back to normal.

Case II: Petrol station with AMEX logo (Awana Kijal)
Similar problem as Case I. I immediately approached the sales counter. They also unable to approve my card usage. Excuse: AMEX network was "offline" which we all know is a silly excuse.

Case III: Petrol station with AMEX logo (Kemaman)
Not satisfied, I went to another Petronas station. Faced similar problem. When consulted the sales counter, the lady said "selalunya boleh terima AMEX". She then called the "station owner" who was obviously goyang kaki somewhere in Bahamas (hehe, just kidding). Still received no firm answer on why AMEX not accepted when the entrance of the station clearly advertised that AMEX is accepted. I tried to tell her that maybe the station owner had secretly disabled the AMEX facility to avoid high merchant fee. Obviously she had no answer to that, "saya pekerja aje kat sini .."

Next step:
Those advertised with AMEX logo but secretly disabling the facility are in clear violation and perhaps even tarnish the image of Petronas brand. I intend to call up myMESRA to get clarification on this.

If anyone had any experience of filling up with AMEX in Klang Valley, perhaps can share the story with me. I reckon the irresponsible act is often done in less populated area that most likely has lower number of AMEX card holders.

Note:
Some of you will advise to fill up at Shell or Esso. But well, I also have Maybank Petronas card with 5 Treatpoints per RM fuel, so it's a good alternative. I just prefer to pile up on my Membership Rewards points.
*
Hi my44,
So far as I know Petronas did not take Amex long time ago.
But if the petrol station still hav the Amex logo, u might hav rights to ask for it.
SUSDavid83
post Feb 2 2009, 12:03 AM

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my44, I have no problem of refilling with AMEX at Shell stations. Not sure on Esso stations.
my44
post Feb 2 2009, 12:44 PM

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Yesterday I approached another Petronas station which also has AMEX logo at the entrance. Similar response: unable to accept AMEX and the cashier unable to answer as to why AMEX logo is printed at the main entrance.
SUSDavid83
post Feb 2 2009, 12:56 PM

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I believe the AMEX logo at Petronas station entrance could be obsolete.
my44
post Feb 2 2009, 07:54 PM

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QUOTE(David83 @ Feb 2 2009, 12:56 PM)
I believe the AMEX logo at Petronas station entrance could be obsolete.
*


That's quite a possibility David83.

Anyhow, I'd like to share my conversation with myMesra customer service today. First, they said definitely Petronas does not take AMEX. So I pointed out that 5 out of 8 Petronas stations in Kemaman district still display AMEX logo. Since they could not give answer directly, somebody needed to call me back and he did. Basically he insinuated that I mistakenly see the AMEX logo for something else. That really got on my nerve. I mentioned even 2 Petronas stations in Cheras have the same AMEX logo, and if needed be, I can show him the proof. Naturally, no answer could be given, so he said he needed to 'check back'.

Maybe tomorrow I'll have my answers.
StupidZ
post Feb 2 2009, 10:55 PM

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I had asked one of the staff in Maybank which in charge for AMEX, he told me that nowadays AMEX not supported at Petronas.

----------------------------------------

By the way, I had several questions need some help to clarify:

1. We need to subscribe(RM25/RM50) then only entitle to earn the membership reward point, right?

2. For every RM1 we spent on AMEX, it will earn us the membership reward point, is it including petrol staton?

3. Is the x2 / x3 / x5 / x10 reward point promotion still applicable now?

4. Currently Maybank offer 3 year annual fee waived, but I was wondering is there anyone successfully ask them to waived their annual fee payment before?

5. What is the major difference between Gold and Personal (Green) card? In term of benefit , etc.
tinkerbel
post Feb 3 2009, 12:16 AM

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@StupidZ,
1. We need to subscribe(RM25/RM50) then only entitle to earn the membership reward point, right?
Yes U will need to pay a yearly subscription to be entitled Amex's Membership Reward Points. However, you're automatically enrolled/subscribed to Maybank's TreatPoints Reward Program

2. For every RM1 we spent on AMEX, it will earn us the membership reward point, is it including petrol staton?
Yes we do get points for petrol purchases

3. Is the x2 / x3 / x5 / x10 reward point promotion still applicable now?
I believe it is - except X10 reward promotion point is only valid at Platinum Partners and if I am not mistaken, only meant for Platinum card users

4. Currently Maybank offer 3 year annual fee waived, but I was wondering is there anyone successfully ask them to waived their annual fee payment before?
As I'm new, I'm unable to help with this question

5. What is the major difference between Gold and Personal (Green) card? In term of benefit , etc.
U need to pay the yearly subscription for Personal/Green card. For Gold Card and above, I believe you're automatically enrolled into Amex's Membership Rewards Program. For other benefits, just check out their website

RockIron
post Feb 3 2009, 10:33 AM

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QUOTE(tinkerbel @ Feb 3 2009, 12:16 AM)
@StupidZ,
1. We need to subscribe(RM25/RM50) then only entitle to earn the membership reward point, right?
Yes U will need to pay a yearly subscription to be entitled Amex's Membership Reward Points.  However, you're automatically enrolled/subscribed to Maybank's TreatPoints Reward Program

2. For every RM1 we spent on AMEX, it will earn us the membership  reward point, is it including petrol staton?
Yes we do get points for petrol purchases

3. Is the x2 / x3 / x5 / x10 reward point promotion still applicable now?
I believe it is - except X10 reward promotion point is only valid at Platinum Partners and if I am not mistaken, only meant for Platinum card users

4. Currently Maybank offer 3 year annual fee waived, but I was wondering is there anyone successfully ask them to waived their annual fee payment before?
As I'm new, I'm unable to help with this question

5. What is the major difference between Gold and Personal (Green) card? In term of benefit , etc.
U need to pay the yearly subscription for Personal/Green card.  For Gold Card and above, I believe you're automatically enrolled into Amex's Membership Rewards Program.  For other benefits, just check out their website
*
Amex charge card(Personal/Gold) are currently offering 3 years annual fee waiver.
U can apply in any Maybank branch.
my44
post Feb 3 2009, 12:11 PM

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Just to add a few things that I know ..

QUOTE(tinkerbel @ Feb 3 2009, 12:16 AM)
1. We need to subscribe(RM25/RM50) then only entitle to earn the membership reward point, right?
Yes U will need to pay a yearly subscription to be entitled Amex's Membership Reward Points.  However, you're automatically enrolled/subscribed to Maybank's TreatPoints Reward Program

There's also an additional charge of RM50 to be enrolled in Membership Turbo (which I signed up 2 weeks ago)

QUOTE(tinkerbel @ Feb 3 2009, 12:16 AM)
3. Is the x2 / x3 / x5 / x10 reward point promotion still applicable now?
I believe it is - except X10 reward promotion point is only valid at Platinum Partners and if I am not mistaken, only meant for Platinum card users

The x2 reward point is applicable indefinitely. But silly Maybank brochures still not updated with x2 rewards only until 31 March 2008 or something like that ..

There's also 10x rewards applicable for green & gold card holders, current promotion is for Marriott & Renaissance hotels in Malaysia (room, F&B, spa, etc). But otherwise, 10x reward is only applicable for Platinum.



tinkerbel
post Feb 3 2009, 03:26 PM

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@my44,
I thought the Membership Turbo program ended erm... March 2008. Is this the 2x points program or what?!

PS: I believe the Amex Membership Program is not applicable for the Platinum Credit Cardholders
StupidZ
post Feb 3 2009, 10:15 PM

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tinkerbel, RockIron, my44

Thanks for the information! smile.gif
DarkTenno
post Feb 4 2009, 01:50 AM

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just one quick question, I have maybank card amex (come with visa & mastercard when register) even tho i only apply for visa they gave me all doh.gif and i end up keeping all because visa & mastercard are sharing Credit limit laugh.gif my question is does the maybank amex(classic i think) share the credit limit with my visa & mastercards?

TQ rclxms.gif
StupidZ
post Feb 4 2009, 07:38 AM

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QUOTE(DarkTenno @ Feb 4 2009, 01:50 AM)
just one quick question, I have maybank card amex (come with visa & mastercard when register) even tho i only apply for visa they gave me all  doh.gif and i end up keeping all because visa & mastercard are sharing Credit limit  laugh.gif my question is does the maybank amex(classic i think) share the credit limit with my visa & mastercards?

TQ  rclxms.gif
*
As far as i know, for AMEX, there is not credit limit for the card, because it is a charge card.

Wikipedia
QUOTE
A charge card is a means of obtaining a very short term (usually around 1 month) loan for a purchase. It is similar to a credit card, except that the contract with the card issuer requires that the cardholder must each month pay charges made to it in full—there is no "minimum payment" other than the full balance. Since there is no loan, there is no official interest. A partial payment (or no payment) results in a severe late fee (as much as 5% of the balance) and the possible restriction of future transactions and risk of potential cancellation of the card.


Maybank2u
QUOTE
No pre-set spending limit. Spend as much as you have shown you can afford, by just paying your account in full and on time each month. Charges will be approved based on your resources, spending and payment patterns.

my44
post Feb 4 2009, 10:22 AM

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QUOTE(tinkerbel @ Feb 3 2009, 03:26 PM)
@my44,
I thought the Membership Turbo program ended erm... March 2008.  Is this the 2x points program or what?!

PS: I believe the Amex Membership Program is not applicable for the Platinum Credit Cardholders

I think I did mention in my previous post on how lousy Maybank is on updating information regarding AMEX cards in maybank2u website. A lot of outdated information!

For example, the 2x MR promotion was printed to expire on 31 March 2008 but until today, we all still have 2x points for every RM1. Similarly, the MR turbo program is still going on, except that the information is not immediately updated in maybank2u, geez.

Oh btw, MR turbo is for 3x points, not 2x. It costs an additional RM50/year smile.gif

tinkerbel
post Feb 4 2009, 01:11 PM

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@my44,
Damn... I also want to join the program but is it possible to backdate it?! *grins* Then again, do U know if it's applicable for the Credit Card range?

I feel a bit 'disappointed' with the kind of privileges I'm getting with my Amex Credit Card. I think I'll just swap to a Charge Card.
tgeoklin
post Feb 4 2009, 05:33 PM

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QUOTE(tinkerbel @ Feb 4 2009, 01:11 PM)
@my44,
Damn... I also want to join the program but is it possible to backdate it?! *grins*  Then again, do U know if it's applicable for the Credit Card range? 

I feel a bit 'disappointed' with the kind of privileges I'm getting with my Amex Credit Card.  I think I'll just swap to a Charge Card.
*
Actually all Gold card member & above are automatically enrolled FOC last 2 months due to some promotion or something. Further the 2X reward is now a permanent feature ie. 2X membership reward for life tongue.gif


Btw, you managed to waived off the interest charges? Cheers

This post has been edited by tgeoklin: Feb 5 2009, 07:30 AM
my44
post Feb 4 2009, 06:18 PM

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QUOTE(tinkerbel @ Feb 4 2009, 01:11 PM)
@my44,
Damn... I also want to join the program but is it possible to backdate it?! *grins*  Then again, do U know if it's applicable for the Credit Card range? 

I feel a bit 'disappointed' with the kind of privileges I'm getting with my Amex Credit Card.  I think I'll just swap to a Charge Card.
*

LOL, of course no backdate. You just need to decide early on whether turbo 3x is worth the RM50 fee. As for credit card vs charge card, I think as long as got AMEX logo brand, you are eligible .. but the best is to call them directly (finding info on MB2u is like searching for a needle in haystack)


QUOTE(tgeoklin @ Feb 4 2009, 05:33 PM)
Actually all Gold card member & above are automatically enrolled FOC. Further the turbo reward is now a permanent feature ie. 2X membership reward for life  tongue.gif
Btw, you managed to waived off the interest charges? Cheers
*

tgeoklin, turbo reward means 3x MR points. 2x points is not turbo yet tongue.gif

What do you mean by interest charge? There's no interest with AMEX charge cards, only late penalty RM50 or more ..

DarkTenno
post Feb 5 2009, 03:45 AM

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QUOTE(StupidZ @ Feb 4 2009, 07:38 AM)
As far as i know, for AMEX, there is not credit limit for the card, because it is a charge card.

Wikipedia
Maybank2u
*
ah but in M2U the account statement show credit limit 5k rclxub.gif maybe i should call CIC to check biggrin.gif thanks
tgeoklin
post Feb 5 2009, 07:22 AM

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QUOTE(my44 @ Feb 4 2009, 06:18 PM)
LOL, of course no backdate. You just need to decide early on whether turbo 3x is worth the RM50 fee. As for credit card vs charge card, I think as long as got AMEX logo brand, you are eligible .. but the best is to call them directly (finding info on MB2u is like searching for a needle in haystack)
tgeoklin, turbo reward means 3x MR points. 2x points is not turbo yet tongue.gif

What do you mean by interest charge? There's no interest with AMEX charge cards, only late penalty RM50 or more ..
*
I think they must have changed it to maintain standardisation with all maybank product. Do call them up to confirm as I was told, its now only double due to actual point already 2X and this is also reflected in the amex site http://www10.americanexpress.com/sif/cda/p...41,18034,00.asp as well

tinkerbell's is the Amex Plat CC, so got interest charges biggrin.gif



Added on February 5, 2009, 7:23 am
QUOTE(DarkTenno @ Feb 5 2009, 03:45 AM)
ah but in M2U the account statement show credit limit 5k  rclxub.gif maybe i should call CIC to check biggrin.gif thanks
*
Yours is probably the credit card tongue.gif

This post has been edited by tgeoklin: Feb 5 2009, 07:28 AM
tinkerbel
post Feb 5 2009, 02:36 PM

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@tgeoklin,
I haven't heard from Amex and been bZ so I'll wait for my next bill to come and then argue with them cause they didn't call me to verify. Having said that, I obviously cleared all outstanding amount (minus the Finance Charges) which I told the CS on the phone I will not clear until someone from Amex contacts me about it smile.gif

I'm not sure about the Turbo Program - damn.. I thought it wasn't applicable for the Credit Card range.. am not spending much on my Amex these days anyways - hosterity drive sad.gif

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