Maybank Amex Credit Card is 2x TP for ALL transactions, including petrol.

Edit: Podium finish, bronze medal.

This post has been edited by cute_boboi: Mar 4 2009, 10:07 AM

True, I'm using MBB Petronas Visa and Petronas fuel for 5x TP. If it ends, I'm going back to Amex CC + Esso/Mobil + Smiles points.

Not that I'm aware of any HSBC CC free for life, unless you have some home loan or big deposits there for their premier/platinum member.

The best I got from HSBC is earlier this year 5 yrs free waiver offer. But their points are not ever-green.

It is in your monthly printed statement. Also can view in Maybank2u Online in your CC details.

Most of the shops will absorb the RM50 processing fee for you. Ask for any hidden/extra charges/interest before you go for the 0% installment.

When finalising your purchase price, please ask:
1) Can pay by installment ?
2) 0% interest ?
3) For thix RM xxxx amount, what are my options ? 6/12/24/36 mth ? Some below certain amount, can only be 12 months.
4) Any additional/extra admin charge ?
5) When will the first installment be charge into CC ?

Yes, you may do like that. But for me, since I have Savings a/c and CC from same bank, I swipe first until the CL is low (set your own limit), then I will make online payment to CC to get back the CL for tomorrow onwards purchase/spending. Although it is immediate payment, it is better to give about 24 hours for the cash payment. You don't want to get heaty about immediate 10 min payment ago, overseas call CS, bang table, get all upset.

Plan you expected purchase or large sum hotel checkout way in advance. e.g. If you think you are taking a tour to a diamond factory and you plan to buy something, clear up the CL first.

Yes, most (if not all) do allow swipe multiple cards for a bill. Normally 2 cards should have sufficient CL. However, ensure the cards are not combined CL.

Does the machines look something like this ?

Yes, S&C called to offer me last month, but after reading the T&C and min income, I did not proceed.

1) No point for me to hold so many CC. I already have several backup CC and plan to cancel some.
2) The 60k annual income min limit is too low
3) Do not foresee a need for S&C CC in future use, although I have an existing M1 a/c.

Yes, 4th point is inconvenient payment, like Citibank CC, although I guess I can use M1 online a/c to transfer for CC payment.

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Added on April 1, 2009, 2:43 pmJust to add, I'm not looking for "better" plat. Just better rewards/returns/redemptions from CC. Convenience, free for life. Plat nowadays is like Gold card 10 years ago. I also feel paiseh to use my plat to swipe, so normally i use the classic card.

BTW, my MBB Amex Credit Card (gold only) already 3.5 yrs (free first 3 yrs AF waiver). So far they did not charge me AF, I guess they auto-waive me.


This post has been edited by cute_boboi: Apr 1 2009, 02:43 PM

Well, classic is the lowest I can goto, nothing lower than that

There was one 31st of the month, I was queuing to pay for Baskin Robbins at Mont Kiara. Guess what, 80% swipe using Plat cards it was so common!

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Added on April 1, 2009, 4:11 pmThen I decide to be the special one and take out my classic card. Wow, my classic looks so special among the plats

This post has been edited by cute_boboi: Apr 1 2009, 04:11 PM

Get S&C plat @60k p.a. income only

MBB plat = 120k

There is this question I have asked before.
1) MBB Amex Credit card = 2x TP
2) MBB Amex Charge card = 2x MR (have to pay RM25 per annum to enable turbo)

Question:
1) Why do you want to pay RM25 when you can get the same 2x points if using Credit card ?
Assume:
(i) Credit limit is not an issue for credit card (more than enough)
(ii) Always pay full every month
(iii) .....

Is it MR gift redemption/rewards are better ?
MR need lower points to redeem ?
Better facilities it supports ? e.g. airport lounge, etc. ?

Yes, I know MR and TP are two separate rewards programs, that's why I mention above


So, for the better redemption, it is worth it to pay RM25 (that's about 4000-5000 MR points?) annually to enrol in the turbo program ?

Any other advantages to pay the RM25 ?

zenwell,

No official announcement yet, but it should be end-Jul to early-Aug 2009 at Mid-Valley.

Any formula/calculation to justify why RM4k/yr to get 8k MR points ?

aeronlim,

Got it. Thanks

As I mention before, I do not like to call up/ask/threaten/beg (choose the most suitable word you think suits you) for AF waiver. So, I go for free-for-life or minimum condition (e.g. swipe 2x/mth) which I know I will (e.g. pay water and electricity bill every mth) since >3 yrs ago.

I don't want to waste my brain power to remember the dates, nor get alarms/reminder from phone/outlook/scheduler/etc. to call the bank up. Waste my time, $, stress, etc. to call them up for each card that need waiver. I might as well join tele-marketer.

Unless the bank calls up and offer me, I would see the T&C if it suits me. Once free waiver period end, normally I just cancel the card.

auto-debit once-a-month can consider "AT LEAST 12 TIMES" = Yes, I'm doing this right now.

eligible for the auto waiver? = Yes, monthly auto-waiver for my MBB and Citibank CC. Not sure other banks though.