I have used MBB Amex Credit Card and Bonuslink at Shell. Yes, you can get both 2x TP and 1x Bonuslink points. However, must swipe BL first, then only swipe Amex.

MBB Amex Credit Card I already bold it on my initial posting
*headache*

Yes, 2x TP for MBB Amex Credit Card for all purchases, including at petrol station (any brand, Petronas, Shell, Mobil/Esso, etc.)

The only difference I see between spending with Amex Charge and Credit card are:
1) Both has 2x TP forever. However, Charge card need to pay RM25 every year for the so called 2x turbo points. Credit card in default is free for 2x points collection.
2) Credit limit - so called higher/unlimited credit limit for Charge card
3) Recognition - my opinion is only recognisable outsite M'sia. But so far I have to problem swiping MBB Amex Credit card overseas. Definitely no problem swiping it inside M'sia, if to compare between Amex Charge or Credit.

For the two MBB Amex Credit card you list above, it is same to me to use/spend, only different 'packaging'.

You are welcomed. My experience using MBB Amex Credit Card for >2 years:
1) No problem swipe local or overseas at all (Asean & Europe), as long as they accept Amex
2) Sometimes local shops have problem swipe/approval MBB Amex Credit card, but no problem with MBB Visa/Mastercard.
3) No issue with credit limit, as it is more than enough to use.
4) CL is combined with other MBB Visa/Mastercard. MBB Amex Charge Card CL is separate though.
5) Recognition/status/class/etc - I don't care, as long as can swipe and collect MORE points than normal.
6) Benefits - not much. I seldom use for promotion or airport lounge or etc. I don't like to hang around airport for too long. 1-2 hours for shopping/walk around/wash eyes

Coming back to Ikhwan/basic Amex credit card, I read above posting Ikhwan is rebate % ? Do a simple calculation, nowadays MBB TP 8500 = RM50 voucher, which means need to spend 8500/2 = RM4,250 to get RM50 voucher.

If Ikhwan is 2% rebate, spend RM4,250 x 2% = RM85 !!! More worth it.

To make things complicated a bit , my MBB Petronas is 5x TP, which is 8500/5 = RM1,700 to get RM50 voucher.
If Ikhwan rebate 2% @RM1,700 = RM34 only. Means more worthwhile to use MBB Petronas CC at Petronas station, rather than MBB Amex.

BTW, your signature is Hong Leong Bank CC application ?

What's the rebate/rewards with Ikhwan ? Just plain 2x TP ?

Just to highlight to other forumers, some may already aware. The TP can only be combined with other MBB SA/CA/Visa/Mastercard if you are using MBB Amex Credit Card, but NOT the MBB Amex Charge Card.

You are right. I am using MBB Petronas now until 31st Dec 2008 to pump Petronas fuel @5x TP and purchase lubricants. For other purchases, I try to use MBB Amex Credit card as much as possible for 2x TP. Last option is use the MBB Petronas for other transactions that do not accept Amex and earn @1x TP.

For supp card, the points will go back to the principal card holder account. Not sure whether can combine two different principal to redeem or not. I think the MBB what-shop? to direct redeem can do that or something previously but not sure now.

For Principal and Supp card under same owner, yes, can combine.

For multi-card from one principal, yes, can combine.

e.g. I have MBB Petronas Visa and Amex credit card. Let's say both has 50,000 TP each. I can combine to redeem a Corelle dining set for 64,000 TP, then I have balance 36,000 TP. But how MBB is going to deduct from which card, or how to choose, I don't know. They always screw up, I told them to deduct all from Amex, they go and deduct all from Visa. Or they deduct 50-50

As I always maintain my principle now, I don't go for cards that need you to call in/write letter/beg for annual fee waiver, whether you swipe RM1 or RM1,000,000 in a year.

Either switch to free-for-life, or if there are conditions like swipe at least twice a month or 12x per year. Swipe it and follow the conditions.

Use gross salary. Even previous EA form and J form also based on gross salary. Hence 2k.

Again, my weird experience. My salary is banked into HSBC every month. I applied HSBC CC, submit all docs, salary slip, proof, etc. But I got rejected.

Then I not happy already. One fine day, HSBC tele-marketer called me, and asked me fill up one single form. No docs. I fill up, faxed in, and they send me the CC. All happened within 12 months period.

Same company, same salary, same home.

At that time, I want it as the points and gifts are what I want. Now, after I got the CC, never swipe it at all. Still in mint condition, no scratch

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Added on November 26, 2008, 12:32 amohya, since david83 mention it, the tele-marketer offer is 5 yrs free with no condition. No need swipe minimum per month./year

This post has been edited by cute_boboi: Nov 26 2008, 12:32 AM

No, I did not hit on her

I think it should be rephrase to:
which bank's card currently got good free gift upon unsuccessful application?

Anyway, if you are looking for gifts, just apply at roadshows where they'll give free gifts. I remember RHB offer the Renault F1 toy car and also a set of "plastic" crystal chess set. Quite nice actually.

Then hope they will reject your application

It is most likely due to other reasons like CCRIS, CTOS, call home/office to verify, etc.

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Added on November 26, 2008, 12:57 pmNo doubt, but if you know how things work, e.g. online banking, ATM, etc. You may not use it ever again Even the document workflow process over the counters.

Sometimes, it is better not to know it.


This post has been edited by cute_boboi: Nov 26 2008, 12:57 PM

Norns,



Are you really desperate for MBB cards ? Why not try apply other banks ?

FYI, I'm MBB CC holder as well and I do agree generally the people and CS are a pain in the neck to deal with. I rather deal with machines (ATM, CDM, Online Banking, etc.) than humans in MBB. Why I use MBB is because it has the largest ATM network, the Amex 2x TP and current Petronas 5x are tempting.

If you really serious, just go direct to Menara Maybank CC CS counter. It is jam, waste time but I always get the things done there and it is still slow (expectation).

Norns,

If you are a degree grad, go and apply CIMB Direct Access. They have the fastest turnaround time for card application and approval, although may not have the best CS as some claimed here. I myself upgraded my DA card recently, and I received the new cards in <1 week (5 working days) after submit form/proof.

For comparison, my MBB Petronas CC took me 2 months, and that is after I call up CS to check and chase after 7 weeks. In my case, it might be easier to chase as I'm an existing MBB a/c and CC client. I have good payment track record and history.

If you still want to continue with MBB CC application, each time you call up, ask for the CS name and write it down together with the date and time. Then submit official complain to MBB CC center (not banking) with these proof and ask them to expedite.

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Added on November 28, 2008, 2:45 pmThe world is unfair. Just move on with life or apply other banks CC.


This post has been edited by cute_boboi: Nov 28 2008, 02:45 PM

fikrie,

I'm a Citibank casualty also. My first CC application was a Citibank and MBB. Citibank rejected me. MBB approved me. After 12 months, Citibank starts to get aggressive and send free CC to me without application many times. I cancel/reject back all (revenge *evil* ) including the latest Shell Card. Out of the 5-10x free cards after so many years, I only keep 1 Citibank CC offered for backup purpose. The other rejected cards, I keep as souvenir big stack. Maybe one day can use as coffee table design and put a piece of tempered-glass on top

My latest casualty this year is HSBC. My monthly salary is banked into HSBC. I try to apply early this year and rejected. Several months back, they call and give me a card

Is life fair to me ? no. So I moved on.

boonsin23,

This is a Credit Card thread. There is a separate thread for Amex Charge Card.

Your questions are answered there on the "no preset CL"

This post has been edited by cute_boboi: Dec 2 2008, 03:53 PM

Optiplex330,

Wow, that's bad and slow system. I encounter several times your scenario, but I'm using MBB CC and no problem with it.

E.g.
At overseas hotel, online inside hotel room before checkout and check CC CL balance.
CL: 10k, used up 8k
Immediate online Maybank2u 5k cash payment, used-up available become 8k-5k=3k
Pack up, go down and check out hotel. Swipe 4k immediate, used up 3k+4k=7k

Yeap, encounter that before. Amex credit card down, Visa CC can swipe. Both CC from MBB.

I always use my MBB Amex Credit card overseas for food and hotel. 2x TP claim company expenses