I am using the combination of Maybank Visa, Master and Amex. I use Amex whenever possible especially for petrol since it is 2x TreatPoints. Any place that does'nt accept Amex then I use either Visa or Master. A spending of RM4000 through Amex gives me 8000 points which I can change for RM50 Parkson voucher, and spending of RM8350 gives me 16700 points to redeem RM100 Jusco voucher.

I also have Public Bank Visa for backup when Maybankards are rejected for unknown reasons since I have never failed to settle in full, but RM4000 only rebate me RM12. So far when the Annual Membership is charged to my Maybankards, I just need to give them a call and they will waive it, no questions asked.

Previously I had Citibank also, but the service become lousy and arrogant, I asked for waiver, not given or given with all sorts of conditions, so I terminated.

I agree with you. On this approach the reload is triggered is merely to protect the banks and TNG - it does not benefit the end users at all. Effectively RM50 is like a deposit as the system does not allow you to fall below the RM50 mark.

I like the system better when the card reloads when the amount falls below RM0 back then.

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Added on February 16, 2008, 11:15 pm

I guess I'm luckier with Citibank. I used to redeem my points for annual fee waiver in the first few years of membership with them and then I tried my luck for an annual fee waiver and I got it ever since year after year.

Likewise - I called for waiver every year and they gave me. Occasionally they ask me to spend RM200 or so but this is not a problem since paying my bills alone is more than RM 200. My only complaint about them is the low credit limit and they gave me all sort of reasons to make the credit limit increase application difficult. I never had any problems paying my bills with them so very disappointed with this attitude.

Citibank now only tell their customer... so slow...

As David83 said, Citibank Choice Card. But besides the Citibank Choice Card, Citibank Visa/Mastercard Platinum can also be free for life, provide you are their Citigold customer.
CIMB Bank Matercard. Lots of promotion too.