Hi Guys,

I just received a letter from Maybank Card Center. They offer me AMEX gold if I mail back the form that they give. Well I never apply for this & not own any CC with them now (cancel one a few month back as they give me gold card instead of I applied for platinum).

What do you guys think, should I accept this card as I don't see much offer/ benefit compare with other Credit Card & Debit Card that I have.

This post has been edited by GHz: Jan 9 2009, 11:02 PM

Just received my AMEX Gold Card today . Going to use it soon to entitle for a Gift, a bag.

I try to register at their website for online. User ID & password registration is OK but stuck at page where they asking for telephone number verification. Enter all the information but still stuck. Anyone experience this before? Going to try a few more times, if still fail, will contact CS.

I hope so. The only reason I accept their pre-approve AMEX was because of the bag. haha

1st year annual fee is waived for AMEX Plat charge card or Plat Credit Card?

Great, Design of AMEX Credit Card is much better than AMEX charge card. I may look at this later.

Interesting, what was written in the statement?. Did not see any related information on their website.

Thanks. So every 200 point you get RM1 & every RM1 spend you get 2 points. So the rebate is 1%. Very good.

Yup, less than Alliance card, but remember its up to 2% base on tier rate & max rm5000 spending. Their premium debit card is the only true 2% rebate card.

By the way I am a new AMEX user, do I need to enroll for membership rewards program & pay RM25 per year to enjoy this rebate? I am holding AMEX gold card.

Yes I can see rewards points online. Means that it automatically enroll & do not need to pat rm25 right?

For MR Turbo you need RM100 for activation. To get RM100 need 20,000 MR = RM6666 to spend. If you are big spender maybe it is worth it.

http://www2.americanexpress.com.my/members...promo/3xpts.pdf


This post has been edited by GHz: Apr 1 2009, 03:16 PM

Finally I received gift (a bag) from AMEX when sign up with them.

Yes, laptop bag. build quality is quite good.

Is it RM50 or RM100? Not really remember though.

After you spend, you have to settle out your bills. They only give you the bag 6 weeks after that.

For me I was offered the card by AMEX (pre-approve) & they state they I qualify for the bag if I accept their offer & make first spending.

If you talk about JustOne card then, it will not 100% compensate as maximum rebate per year is only RM600.

If you pay by US issued debit card, still need to pay additional 2.75%? If not when you open an US checking account you will get debit card.

When I was in US earlier this month, almost any single transaction made even USD1.00 can be made by using card without additional charge. Not understand why your son's Uni impose additional charge.

Don't worry about H1N1, when I was there for 1+ week early this month, I see nobody really care about it & I'm not seeing any single person wearing mask. Only in Malaysia we see people wearing mask. Even WHO says that H1N1 is nothing more than normal flu.

Everyone here know that AMEX charge 2.5% overseas transaction fee.

This is what I experience when while using AMEX in foreign currency.

I make a payment of USD1000 & my AMEX statement shows RM3627.48. Interbank exchange rate for that day is 3.5296. So it is about AMEX charge 2.5% higher when compare to Interbank rate. - OK

A few weeks later, the above transaction was reversed, so my AMEX was credited with USD1000. My AMEX statement shows RM3628.50. Interbank exchange rate for that day is 3.5434. So, again it is about 2.5% higher when compare to Interbank rate. - HMM, INTERESTING.

I'm not sure whether this is only applicable to reverse transaction but if is also applicable if we make payment to the card, then we have a 2.5% gain. But then how do we pay AMEX with USD?

Any comments?

If notice from my post above, when I received the USD1000 to my AMEX, the exchange rate is 2.5% higher than the interbank rate. Just wondering whether we can exploit that to our benefit.

That $ was refunded by a merchant as I cancel booking before went to US.

This post has been edited by GHz: Jul 20 2009, 03:44 PM

No loss but RM1 gain haha.

Actually, my point is when that USD deposit into my AMEX, they use exchange rate of Interbank + 2.5%. Means that if we pay AMEX by using USD then it is 2.5% gain. .

Any comments?