Maybank Visa Signature – The Best Visa Signature Credit Card in Malaysia

There is a new credit card in town that everybody would love to have – it’s the Maybank Visa Signature. This Maybank Visa Signature earns the card holder 5% cash back for Petrol and Groceries EVERYDAY! And the monthly cash back is capped at RM88 versus Maybankard 2 Cards AMEX RM50. And to top the cash back benefits, the Maybank Visa Signature offers unbelievable UNLIMITED FREE access to Plaza Premium Lounge within Malaysia.

Back in May 2014, I published an article on the benefits of Public Bank Visa Signature which offers 6% cash back for Groceries, Dining and Online Transactions. However, the kedekut Public Bank is well aware that Petrol is one of the essential expenses which we can’t avoid; and if it offered 5% cash back, all the Public Bank VS holders would only mainly use the card for Petrol to earn monthly cash back.

So, I would say that Maybank is truly a wonderful and generous bank that assist the Rakyat in their daily survival and they don’t discriminate any class. The Entry Level Maybankard 2 Cards Gold AMEX (minimum annual income RM30K) earns Fresh Graduates and Junior Execs 5% cash back for Petrol. For people in the middle management level, the Maybank 2 Cards Platinum AMEX earns them 5% cash back plus FREE Golf games.

But you know lah, to some Malaysians, “saving face” is so important that one must have a higher level credit card compared to his/her peers (actually it’s “shiok sendiri”). Therefore some would not want a Classic (HLB WISE) or Platinum (Maybank 2 Cards) and prefer to hold a useless Premier Credit Card and earn less in returns (example – Standard Chartered Visa Infinite). So Maybank now offering those in senior management level the opportunity to earn themselves 5% cash back for Petrol with a Premium Credit Card.

The Public Bank Visa Signature also claimed that it also offers UNLIMITED FREE entries to Plaza Premium Lounges in Malaysia but in reality it is just a marketing ploy. The conditions imposed for the FREE entry is damn freaking insincere.

The Maybankard 2 Cards does offer UNLIMITED FREE entries to airport lounges WITHOUT ANY. CONDITIONS! To top the 5% cash back for Petrol, the Maybank Visa Signature grants the card holder UNLIMITED FREE access to Plaza Premium Lounges within Malaysia. Wait, it gets better, you can issue 4 FREE Supplementary cards and they too are eligible for UNLIMITED FREE entries to Plaza Premium Lounges without any conditions! And no other Visa Signature credit card in Malaysia can offer your Supplementary card holder FREE entries to airport lounges (i.e. Plaza Premium Lounge).

With the above, I am pleased to award the Maybank Visa Signature the title of The Best Visa Signature Credit Card in Malaysia and also The Ultimate Credit Card for FREE Entries to Plaza Premium Lounges within Malaysia.

Click here to read my review of the Maybank Visa Signature Credit Card.


KLIA 2 FREE Airport Lounge Entries with My Credit Cards

There are 3 Plaza Premium Lounge in KLIA 2 where I can enter for FREE with my credit cards and or Priority Pass Membership Card.

  • Plaza Premium Lounge Gateway @ KLIA 2 – before main terminal and before entering immigration.
  • Plaza Premium Lounge near Gate L8 – you must pass through security. This airport lounge is a freaking big hassle for those who are departing at gates P and Q.
  • Plaza Premium Lounge Wellness Spa – Satellite Building Mezzanine Floor, next to McD.

At the previous LCCT, I can use my credit cards to get FREE entries for my family members to enter both the Plaza Premium Lounge at landside and airside; BUT, that may not be necessary the case for the Plaza Premium Lounge at Gateway@KLIA2 because they don’t accept Priority Pass Membership Card (PPMC).

The good news is that the Plaza Premium Lounge at Gate L does accept the PPMC. The bad news is – it would be a freaking big hassle if you are departing from Gates P and Q.

Click here to my article to learn more on FREE Entries to the 3 Plaza Premium Lounges at KLIA 2.



HSBC just can’t stop to piss me off.

Previously, I have posted at my Facebook Account that I was so frustrated with HSBC automated tele-machine which required me to press this and that before getting to speak to a human being and how HSBC begged me to give them another chance. Well, a few days ago, I logged into my HSBC Online Account and was shocked to know that I was charged the annual fee for my HSBC Visa Signature Credit Card; and worst of all, HSBC charged me Late Payment (which is a very detrimental thing as it will tarnish my Credit Report, i.e. CCRIS report).

So once again I had to call HSBC Customer Service and go through the irritating process of pressing this and that. I told the guy who answered my call that I was told that my annual fee would be waived. He then started off with the standard bull-shit that “it is the bank’s policy that we pay upfront the annual fee and HSBC will reimburse us later”. That pissed me off big time again. I had to explain to him again that HSBC offered to waive my annual fee the last time I spoke to them. So he checked HSBC system and indeed there was a memo stating that my annual fee is to be waived. Why can’t he just check the system before opening his big mouth to piss me off?

I just published an article titled “My HSBC Visa Signature Pisses Me Off Big Time” where I compiled 3 of the previous postings in my Facebook Account plus what transpired in my recent call to HSBC. In this said article I also gave suggestions to HSBC on what actions they are to take if they want to retain me next year.

Click here to read my article My HSBC Visa Signature Pisses Me Off


Maybankard 2 Cards GST Is Now RM100

First, the good news for Maybank credit cards holder – you may get to purchase a Smart Tag preloaded with RM700 into the Touch N Go card for only RM8. Maybank Great Sale Credit Card Promotion 2014So if you are going to use your Maybank credit card,  except for the cost of the sms registration, you got nothing much to loose but stand a chance to purchase something really cheap.

Step 1: Register via SMS
Type SALE(space)12-digit NRIC Number(space)Item Code and send to 66628
(E.g. SALE 810721106658 A1)

Step 2: Spend with Maybank Visa, MasterCard, AMEX Credit and Charge Card issued by Maybank and Maybank Islamic.

For more info and terms and consitions, please visit Maybank website.


When the Maybankard 2 Cards was first launched in 2011, we only had to pay a total of RM50 GST for both the AMEX and Visa or MasterCard Principal Cards. Actually, we were still charged the RM50 GST for the AMEX Card because it’s the law. But what Maybank did was to credit back RM50 into the AMEX account to offset the RM50 GST. That’s history.

Effective 9 July 2014, we will be charged RM50 GST for the AMEX and RM50 GST for the Visa/MasterCard making it a total of RM100. I.e. you won’t get RM50 credited into the AMEX account to offset the RM50 GST.

To read more, please click here to my article Maybankard 2 Cards AMEX and Visa/MasterCard Principal GST Is Now RM100.

In the above article, I also touched on Maybankard 2 Cards Treats Points validity period, overseas conversion fee for AMEX, Visa and MasterCard and the Effective Cash Back Rate for the Maybankard 2 Cards.

How to maximixe your Enrich Miles – Upgrade and Full Redemption

I just published my fifth article in my series A Little Bit Of This and A Little Bit of That. Click the link below to read it:

This time the article covers matters as follows:

1. How long it took for the Tax Rebate for my wife’s handbags bought in Paris to be credited into my credit card account.

2. AirAsia Airbus A330 Premium seat versus Malaysia Airlines A380 Business Class seat. I could not sleep with AirAsia Premium Seat.

3. AirAsia versus Malaysia Airlines return trip ticket to Melbourne. – I have been saying that I have bought return tickets to Melbourne for less than RM1K. But during peak periods, AirAsia return ticket to Melbourne IS MORE EXPENSIVE than Malaysia Airlines!

4. You can also upgrade your Economy Class ticket with Malaysia Airlines to Business Class using Enrich Miles. This article will show you how many Enrich Miles I used to Upgrade my son’s and sister’s tickets to/from Paris and the additional amount I paid.

5. What type of ticket not to purchase if you want to upgrade to Business Class using Enrich Miles and what you should do before booking your ticket.

6. How many Enrich Miles I used to redeem for Business Class tickets for my parents to Paris and from London plus the total amount I paid for surcharges and taxes.

7. You get 15% discount if you redeem using Enrich Miles for flights online with Malaysia Airlines.

8. I booked hotel rooms with Agoda using MYR as it was cheaper compared to USD.

9. A 100% natural remedy to sooth your sore throat.

Last but not least, after you have read this article, I bet you will agree with me that the Maybank 2 Cards Premier AMEX RESERVE and VISA INFINITE Combo are the best credit card in the world.

Click the link below to learn a thing or two or maybe nothing:

A Little Bit Of This And A Little Bit Of That – Vol.1, Chapter V

Paris New York London Holiday and Tourist Info

Most of you guys know my wife and I flew to Europe and the USA recently. Finally, after days of drafting, editing and proof reading (but I bet you’ll still see some grammar and spelling mistake), I completed my article titled My Paris, New York and London Trip 2014. As usual, this article is no different from my other freaking long articles where you will get detail information that may (or may not) be useful to you. And if you learned nothing from my article(s), well, it’s FREE and you get to pass time inside my sick imagination, haha. And since it is freaking long, it’s perfect for your weekend reading pleasure And bookmark it for your future reference.

Without further ado, please click on the link below to read my article My Paris New York London Trip 2014.

My Paris, New York and London Trip 2014

Some of the useful info provided In the above mentioned article are:

1) Taxi fares from/to Paris, New York and London airports and the duration of the journey.
2) Train fares in Paris, New York and London.
3) A must visit place for duck in London and it’s not a Chinese Restaurant.
4) Palace of Versailles – where to have lunch there.
5) Why Paris is not romantic.
6) Photos I took during the trip.
7) Malaysia Airlines Golden Lounge in KLIA and Heathrow. Air Canada Lounge in Paris where we entered using out Priority Pass Membership Card issued with our credit cards.
8) Photos of the hotel I stayed in.
9) Price of Boy Chanel and Lady Dior in Paris, New York and London (link to my earlier articles posted at my Money For Luxury blog).
10) Price of Longchamp and Michael Kors handbags (at Heathrow Airport Terminal 4) compared to KL.
plus me blah blah blah…..

Boy Chanel Red Medium and Lady Dior Black Large both with Gold Hardware

Boy Chanel Beige Red Gold Metal Strap


Recently I published a short article on one of the most desired and must have handbag on planet earth and it’s called the Boy Chanel. Most Chanel outlets in London were out of stock (first week of June 2014) and the Chanel Outlet in Bond Street had one in their window which I was told it was not for sale. Same case in Chanel KLCC KL where they had only limited design available.

However, in the 3rd week of May 2014, I managed to get a beautiful Red color Boy Chanel new medium with Gold Metal Strap in Paris for my darling wifey on the very first day it was being sold in Paris. I just published and article on the Boy Chanel in my Money For Luxury blog. So click the link below to read my article on Boy Chanel in red with gold hardware.

Boy Chanel Red Calfskin Flap Handbag with Gold Strap

The article covers the following:

1. The damage I experienced in Avenue Montaigne Paris and the price of Boy Chanel New Medium in Paris, New York, London, Australia and Kuala Lumpur too.

2. VAT rebate in Paris and London – how much. You don’t get to claim for the GST you paid in USA.

3. Where to get a Chanel handbag in Paris (with nice and friendly sales personel) and New York.

4. In London, you can get Chanel bags at Bond Street (now called New Bond Street), Harrods and Selfridges (Oxford Street). However, the Boy Chanel were out of stock in most outlets if not all.

5. Real live photos of my darling wifey’s new Red Boy Chanel new medium.

6. Size of Boy Chanel Large, New Medium, Small (Old Medium) and Mini.

plus me blah blah blah blah.


My wife also got herself a new Lady Dior large in gloss black while we were in Paris. Click on the link below to learn more about the price of Lady Dior large in Paris, New York, London and Malaysia too and you’ll note that Lady Dior price in Paris is indeed much cheaper than Malaysia, Singapore, Australia and USA. The black Lady Dior is another must have bag in any lady’s handbag collection. Click below link to see real live photos of the Lady Dior black large.

Lady Dior Large Black Gloss with Gold HardwareClick here to my article Lady Dior Black Large

And below is a photo of my wife’s precious new Lady Dior Black Large and Boy Chanel Red Medium with Gold Hardware.

Boy Chanel Red Medium Gold Hardware and Lady Dior Black Large

Now, if you are a guy, I strongly recommend you read my articles on handbag(s) in my Money For Luxury blog. I tell you, with the knowledge you get from reading my articles, you will impress the girls during conversation and especially if you have a lady boss (can comment like Wow your Chanel [plus model name] looks great on you! Not only that, you will also know how to avoid falling in love with a a high maintenance girl (who has a rich father or sugar daddy) by identifying the types of handbag(s) she carries, hahaha.

Alliance Bank Timeless Points Redemption Program Is Ridiculous

If you have been following my blog(s), you will know that I’ll be flying off to Europe and then to USA soon to attend my son’s Master Degree Convocation at an Ivy League University. And in my article titled Enrich Miles Sales is Fantastic with 5X Reward Points Credit Cards, I mentioned I managed to get 2 Business Class tickets to Europe because Malaysia Airlines was having a 50% Sale :) In the same article I also mentioned that I’ll be flying to Europe with American Airlines where we can redeem their ticket(s) with our Enrich Miles; but I did not to so. Click the link below to read more and see how I “earned” 30.88% cash back from using my Maybank Visa Infinite:

Enrich Miles Sale Is Fantastic with Credit Cards that Earn You 5X Reward Points.

Recently I published another where I mentioned I earned FREE 15,000 Enrich Miles for buying American Airlines tickets. This article may benefit those of you who are flying to several domestic destinations in USA. By booking directly with American Airlines online using the Multi-City booking feature, you may save some money instead of taking say Malaysia Airlines return KL/Los Angeles and then purchase separate American Airlines tickets for USA domestic flights. Click the link below and you may just save some money:

I Earned FREE 15,000 Frequent Flyer Airmiles (Enrich Miles) for Purchasing American Airlines Tickets that Earn Enrich Miles too.

And before I fly off, I would like to share with you guys about Alliance Bank Timeless Points. A member at LYN posted that we now need 43,900 Timeless Points to redeem a RM100 cash voucher. So, I went and checked and true enough, Alliance has inflated the points required to redeem stuff by almost 100%!!!

I have updated 2 of my previous articles to reflect Alliance Bank current redemption program and they are:

Visa Infinite – Alliance Bank vs Maybank vs UOB

The Best Top 10 Credit Cards in Malaysia 2014

With the 100% increase, the Alliance Bank Visa Infinite is no longer attractive for both local (2X) and overseas (5X) spending. Moreover, I have shown you guys that my Alliance VI overseas conversion rate was higher than my Maybank Visa Infinite, click below link to learn more about which credit card is the best for overseas transactions:

The Best Credit Cards for Overseas Transactions

Having said the above, the only consolation is that Alliance Bank maintained the Enrich Miles redemption at 6000 Timeless Points = 1000 Enrich Miles.

However, if you want UNLIMITED FREE entries to to airport lounge worldwide, the Alliance Bank Privilege Banking Visa Infinite is second to none because it is FREE FOR LIFE :) And with Alliance Bank new redemption program, I guess the Alliance Bank Visa Infinite card is “useless” and only good for airport lounge access.

For frequent overseas travelers, the card to get is the Maybank 2 Cards Premier AMEX Reserve and Visa Infinite Combo. Both these cards will earn you a FREE Business Class ticket with Malaysia Airlines or Singapore Airlines faster than any other credit card in the world. Actually, the Maybank AMEX Reserve is fantastic too for local spending as you will earn 5X Treats Points for every local RM1 spent. Click the link below to learn more:

Comprehensive Review of Maybank 2 Cards Premier

Public Bank Visa Signature Review – 6% Cash Back

Good news for cash back credit cards fans – Public Bank recently introduced their Visa Signature which offers 6% cash back for groceries, dining and online transactions. And the annual fee is waived with just 12 swipes a year!

However, it is really sad that one has to earn RM100K per year to be eligible for it.

To learn more on the benefits and my comments on the Public Bank Visa Signature, please click on the image or link below:

Public Bank Visa Signature – A Must Have Credit Card

In my above mentioned article, I will show you the pros and cons of the Public Bank Visa Signature and why you should stop using it once you spend RM1K/month with it to earn the 6% cash back.

You see, the Public Bank Visa Signature cash back amount is capped at RM60/month. You do earn 1 VIP Point for every Ringgit spent with the Public Bank Visa Signature but the returns you get is really pathetic; therefore it makes no sense to use the Public Bank Visa Signature for expenses that do not earn you 6% cash back (i.e. total RM1K spending per month on groceries plus dining plus online transactions) unless you get get discount with a particular merchant.

Other subjects touched in my Public Bank Visa Signature Credit Card Review are Airmiles and Balance Transfer. If you are thinking that the Public Bank Visa Signature is good for Airmiles, better you go click the link I provided above and learn a thing or two. If you are stubborn and think you are smarter than me, well, it is your lost; but be warned, you’ll be pissed off big time when someone else tells you they earn 500% more Enrich Miles for every Ringgit spent with their Entry Level Maybank Gold credit card versus your “useless” Public Bank Visa Signature, hahahaha.

For those of you earning less than RM100K per year and wanting a cash back card to assist you in your cash flow and earn some pocket money, you have come to the right place. Click the link below and I will tutor you for FREE on cash back credit cards that can earn you up to 10% cash back and the annual income requirement starts from RM24K/year:

The Best Cash Back Credit Cards To Earn You More Pocket Money

For those of you depositing your money with Public Bank Savings Account and earning equally miserable returns like their cash back credit cards which starts at 0.3%, click the link below to my article The Best Savings Account in Malaysia to earn some meaningful interest rates:

The Best Savings Accounts in Malaysia

Last but not least, for Fixed Deposit, visit my Fixed Deposit Page by clicking on the link below. All I will say about Public Bank Step Up FD Promo is better you go work out the effective interest rate (taking into consideration of the CASA requirement) and you’ll be surprised to find out that you be better off just depositing with Affin Bank which offer 12 Months FD 3.6% Board Rate.

GenX GenY GenZ Fixed Deposit Interest Rates