Category Archives: Education

Maybank Islamic Ikhwan Petronas Visa and MasterCard Gold & Platinum Review 2018

 Another Personal Finance tutorial by GenX @

Malaysia Best Cash Back Credit Cards 2018 – Lesson No.3 & No.4

I will combine the Maybank Islamic MasterCard Ikhwan Gold/Platinum and Maybank Islamic Petronas Ikhwan Visa Gold/Platinum Credit Cards into a single review as both these cards’ benefits are pretty straight forward.

Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i – Lesson No.3

This card is FREE FOR LIFE too without any conditions. Once again this is the most important criteria.

And like all Maybank Entry Level credit cards, the minimum income to be eligible for the Maybank Petronas Gold Visa is RM30K p.a.

The main benefit of the Maybank Petronas Gold/Platinum is that the card earns you guaranteed 8% Cash Back at Petronas Stations every Saturday and Sunday. But the monthly cash back cap is also RM50, or in other words, good for up to RM625 at Petronas on weekends which should be more than adequate for most people.

You do earn 1% cash back at Petronas on weekdays and 1X Treats Points for transactions not related to Petronas except for Government Transactios where you earn nothing.

Above is all you basically need to know about the Maybank Petronas Credit Card, hahaha.

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Maybank Visa Signature Barcelona Review 2018 – Malaysia Undisputed Best Cash Back Credit Card for Months of May and August 2018

Another Personal Finance tutorial by GenX @

Malaysia Best Cash Back Credit Cards 2018 – Lesson No.2

First and foremost – this card is FREE FOR LIFE without any conditions. This is the most important criteria.

The minimum income to be eligible for this card is RM48K.

This card is a pure cash back credit card that has no other benefits (i.e. no Free Airport Lounge entry). Below contents in point form were copied from Maybank website:

  • 2% Cash back for all purchases all year long (except May and August) and capped at maximum of RM 50 per month.
  • 10% Cash back for all purchases made in the month of May (football season ends) and August (football season begins) and capped at maximum of RM 100 during the specified month.
  • Only transaction amounting RM 1 and above will be awarded cash rebate to customer
  • E- statement – Auto enrolment
  • TreatsPoints is not eligible for this card
    Note: No cash back earned for EzyPay transactions.

My comments:

1. The 2% cash back is pretty good. If you refer to the above, it is stated for ALL PURCHASE. So I read the Terms & Conditions and no where could I find any clause that stipulated that Insurance and Government related transactions are excluded – which is fantastic.

However, the cash back is capped at RM50 per month, which means this card is good for up to RM2500 spending only.

I tell you, the Entry Level Maybank 2 Gold Cards is way better than this card. By spending RM1K with it on Saturdays and Sundays, we can earn RM50 cash back PLUS close to another 1% equivalent cash back based on 5X Treats Points.  Thus, you can earn close to 6% cash back – that is if you can wait until the weekend to swipe your card, hahaha. So for weekdays, the Maybank Barcelona VS is better.

If you have yet to read my latest comments for the Maybank 2 Cards Gold/Platinum for 2018, please click here to read my first credit card review for 2018 – AMEX Gold Cash Back Credit Card versus Maybank 2 Gold Cards AMEX.

However, you may argue, what if the merchant does not accept AMEX, then you are right, the Maybank FC Barcelona is a zillion times better than the Maybank 2 Gold Cards on weekends, hahaha. What I will say is that the Maybank FC Barcelona is a great combination to have with the Maybank 2 Gold/Platinum Cards 🙂

Then again, there are other cash back Visa & MasterCard credit cards where you can earn more than 2% cash back for selected categories, i.e. the FREE FOR LIFE Public Bank Quantum Cards (mentioned in my Credit Card Tutorial), Public Bank Visa Signature,  Maybank Ikhwan MasterCard and even Standard Chartered Bank Just One Platinum.

2. 10% Cash Back for May and August capped at RM100 is fantastic. No other cash back credit card can beat this said real 10% guaranteed cash back. There is nothing in the T&C that states Government related transactions are excluded from the cash back, you should be entitled to the 10% cash back.

Let me elaborate what the above means. Most credit cards nowadays do not reward us for any transactions related to Government. With the FC Barcelona Visa Signature, we can earn 10% Cash Back from the following transactions:

In the month of MAY, we can earn 10% cash back from:

  • Police and Local Council Traffic Summons. If you can wait and not be brought to court, hahaha.
  • JPJ – Road Tax
  • Quit Rent (Cukai Tanah at Pejabat Tanah Dearah). This is really fantastic as AMEX is not welcome here.
  • IWK – you better call their Customer Service if you have not been paying any IWK bills for years and be shocked with how much you owe them, hahaha.

In the month of AUGUST, we can earn 10% cash back from:

  • Police and Local Council Traffic Summons. Once again, if you can wait and not be brought to court, hahaha.
  • JPJ – Road Tax
  • Assessments (Cukai Pintu at Local Councils).
  • IWK.

For other months, Traffic Police Stations, JPJ Main Offices and Local Councils accept AMEX. So, if you transact at these said places on Saturdays with the wonderful Maybank 2 Gold/Platinum Cards AMEX, you can earn yourself 5% cash back which is better than the Maybank FC Barcelona’s 2% Cash Back.

But you know lah, I’m kiasu. So, I called Maybank Customer Service to ask if government transactions are entitled to the 10% Cash Back in May and August and the girl told me to wait while she checked. After a few minutes, the CS representative told me YES – for any PURCHASE! Please note she said PURCHASE. Is paying tax (e.g. Quit Rent) a purchase? Anyway, I think we should be entitled to the 10% cash back for Government related transactions as I could not find any exclusion clause in the T&C for the Maybank FCB Visa Signature.

Update – below comment by Nelson Lai at my Facebook Post minutes after I posted this review.

FB Comment Nelson Lai


Basically the Maybank FC Barcelona Visa Signature is fantastic for the months of May and August as you are guaranteed to earn 10% in cash back from ALL your transactions up to RM1K spending only. So, you still need to plan and keep track of your spending in both these months because once you spent RM1K, anything more you earn nothing!

For other months, you could probably earn more in cash back from your essential expenses using other credit cards based on many different categories. So if you are one of those who are not bothered to use your brain or find it a hassle to have many credit cards in your wallet to earn more in cash back from different categories (i.e. Dining, Petrol, Online, Groceries, Telcos, etc), then the Maybank FC Barcelona may be good, hahaha. Having said this, the Maybank FC Barcelona is great for Government (e.g. Road Tax, Police Traffic Summons, Local Councils, IWK, etc) and Insurance related transactions as many credit cards nowadays earn you nothing from them.

In Conclusion the FREE FOR LIFE Maybank FC Barcelona is a great combination to have with the FREE FOR LIFE Maybank 2 Gold/Platinum Cards and FREE FOR LIFE Public Bank Quantum Cards.

Click here for more lessons on Malaysia Best Cash Back Credit Cards 2018

GenX 25 Another Personal Financial Tutorial by GenX

facebook logo.jpgClick here to GenX GenY GenZ Facebook Page

American Express Cash Back Gold Credit Card Review 2018

 Another Personal Finance tutorial by GenX @

Malaysia Best Cash Back Credit Cards 2018 – Lesson No.1

Hi guys, this is my first credit card review for 2018. Many people messaged me about this card when it was launched a few months back. And my wife, who holds a Principal Maybank 2 Platinum Cards, received a call from Maybank offering her this card too.

Basically, this is another entry level credit card by Maybank where the annual income requirement is RM30K p.a.

The first year annual fee of RM70 will be waived. For subsequent years, my wife was told that the annual fee will be waived if she spends RM10K per year with it; but it is not automatic, she still needs to call AMEX Customer Service and beg for it. However, the good thing is,  you can contact AMEX Customer Service at their Toll Free Line – AMEX is the only card issuer in Malaysia that offers Toll Free calls for an entry level credit card.

So what’s good about the AMEX Gold Cash Back Credit Card?

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 Another Personal Finance tutorial by GenX @

This is FREE Personal Finance Express Tuition for all credit card users, not necessary for newbies only but for Malaysians (contents applicable for worldwide too except for benefits that comes with cards issued by Malaysian banks).

Credit Card Tutorial CC101 by GenX

LESSON NO.1 – What credit card to choose?

1. Get FREE FOR LIFE credit card without any condition.

I’m sure many of you have been approached by representatives of banks enticing you to sign up for a Free Annual Fee credit card only to find out later that you have been misled when you are later imposed annual fee for the second year because (1) you failed to swipe a minimum of 1 time per month or (2) you failed to swipe 6 or 12 times a year or (3) you failed to spend X amount per year.

Therefore, to avoid being charged unnecessary credit card annual fees (or the need for you to beg for annual fee waiver), it is IMPERATIVE that you sign up for a credit card that is truly FREE FOR LIFE WITHOUT ANY CONDITIONS.

The major advantage of FREE FOR LIFE without any condition is that you won’t be penalized a sen in the event you don’t even use your credit card in a particular year. It is great for those who may be assigned overseas for a few years and/or near retirement (once you retire, it is very hard to get a credit card if you do not have a steady source of income).

2. In order to maximize the returns from credit cards’ transactions, you must have an American Express Card  because it is welcomed everywhere.

Before you go blindly accuse that the American Express Card is useless, let me teach you a thing or two:

The American Express cards are welcome at the following places:

  • Departmental Stores & Hypermarkets: AEON, Isetan, Jaya Grocer, Metro Jaya, Mydin, Parkson and Robinson.
  • Electronics, Electrical & Computers: AEON, All IT (Low Yat Plaza), Best Denki, Courts, EpiCentre (Apple iPhones & Macs), Harvey Norman, etc.
  • Touch N Go – At PLUS Highway Service Centres.
  • Pharmacies – Caring, Guardian and Watson.
  • Petrol  – Petron, Petronas & Shell. Other stations you may need to pay at counter.
  • Hospitals – Pantai, SDMC, Sunway, etc.
  • Luxury Goods – Channel, Coach, Dior, Gucci, Hermes, LV, MK, etc.
  • ROLEX! If your Authorized Rolex Retailer is giving you less discount for paying with AMEX, you are buying your Rolex watch with the wrong retailer, hahaha.
  • Jewelers – Habib, Poh Kong, Tomei, Wah Chan, etc.
  • Restaurants – Amarin, Alexis, Ippudo, Oriental Group of Restaurants, Tai Thong Group of Restaurants, Pizza Hut, even at McD and etc. Yes McD!!!
  • Hotels – including online hotel bookings with third party, e.g. Agoda, Hotels Dotcom, AirAsia Go, Expedia, etc.
  • Airline Tickets – AirAsia, Malaysia Airlines, Singapore Airlines, etc.
  • Insurance 1X TP only (equivalent to 1 Enrich Mile for every RM4.77 spent with the AMEX Reserve) – MAA Takaful, MCIS Zurich, Tokio Marine, Etiqa, etc
  • Telcos and Astro – Astro, Celcom, Maxis, DiGi, Telekom, Unifi, etc
  • Cars – BMW, MB, Volco, etc.
  • Books – MPH, Borders. etc.
  • Government Agencies – Local Councils. Traffic Police Stations (to pay summonses), JPJ. etc.
  • Others – 11 Street, Book Depository, Eraman Duty Free. etc. Lazada used to accept AMEX but this is no longer the case.

And below is a fabulous tip shared at my Facebook by En. Ibrahim Rabani on how to earn 5X Treats Points from restaurants/shops that does not accept AMEX.

Tip on AMEX

Now let me show you some of my transactions with my AMEX Reserve where I earn 1 FREE Enrich or KrisFlyers or Asia Miles for every RM0.954 spent locally:

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Back to Basics, a Financial Health Check via CTOS and CCRIS


This is going to be a semi long rant. I would not pretend to know it all. But having talked to Gen X and Gen Y, there is an alarming amount of individual that do not kept a regular check on their Credit History. So let’s start with the basic again, what is credit history, why is it crucial to have one and the importance of maintaining a good credit score.

So how does bank knows if you have a good credit history?

Bank Negara maintains a list commonly known as Central Credit Reference Information System (CCRIS)


Banks and other financial institutions will each month submit to Bank Negara your repayment record. If you had never miss a payment, you get an egg. With each prompt payment, you accumulate more and more eggs each month. Therefore, Egg is Good!

If you start missing a payment, your Egg will hatch. First missed payment, you get 1 Chick, second missed payment you get 2 Chicks, third missed payment you get 3 Chicks, well you get my drift… So just remember, Chicks is Bad, Egg is Good. And you will be fine.

Other than CCRIS, there are also private credit reporting agencies that made it a business to keep track and sell your financial health info to interested parties. One of the more popular one is CTOS. They differentiate themselves by offering more information such as blacklist from non-financial institutions (telcos for example), CTOS Score, etc etc. They also allow easier access to your personal financial history without any delay from the comfort of your home, for a fee of course.

Keeping it clean

Starting your financial history usually starts with what could be the first “devil” in your life. Another loan…

Usually this happens when you began earning a steady income. But beginning from 2016 those taking PTPTN study loans will also get their repayment history submitted to CCRIS. Once you get the ball rolling, here comes the tricky part.

Maintaining a good financial history;

  1. Always observe your statement due dates. Paying one week ahead of the due date, just to be safe. Sometimes payment faced some problem that is out of your control. It would give you some leeway to resolve it. For some people this should be ok. Especially for those with low credit card usage. But if you want your history to look cleaner, read on below to understand how CCRIS inner works.
  1. If there is a dispute about outstanding payment, resolve it!! Don’t ignore and hope it goes away. It won’t and will likely come back to bite your ass. From time to time you can see a user dispute with telcos that ended up getting blacklisted in CTOS
  1. Don’t write bad cheques!! Always make sure there is adequate balance in your current account to clear the cheque.
  1. Apply only the credit card you need. Cancel the one you don’t use.

This is the ones I can think of so far… “You may suggest in the comments if you have a tip of your own to share.”

How early should I start be concern about my financial history?

I would say immediately after your own your first secured or unsecured loan (Car loan, Credit Card) or once you graduate (PTPTN repayment clock will start ticking 6 months after you graduate)

Understanding the inner working of CCRIS

As always, the devil is in the details. To make use of the system to your advantage, you need to understand a few basic mechanisms;

  1. Credit history is reported to CCRIS at the last day of each month.
  2. CCRIS will update their system with all the info on the 15th of following month

Why is this important to know?

Bank calculates your Debt Servicing Ratio (DSR) partly based on your outstanding as shown in CCRIS.

Example: If you were to pay only strictly based on the due date as stated in Rule 1 above, which may not be end of the month, in this example let say 13th of the month. Your statement says the payment due total is $5,000. You then pay it on the 6th of the month, a week ahead of the due. By the time CCRIS report is generated, it will show that your outstanding for that particular bank is still $5,000. This is because as of last day of the previous month, you still owe them $5,000 and this is what is reported to CCRIS.

But if you were to pay before the end of the month, this outstanding amount will be $0. As if you have not spend a single cent. Improving your DSR.

The same can also be said for not only statement balance but outstanding balance in general. Your statement might say $5,000 but then you made a big purchase worth $10,000 soon after the statement is out and now the total outstanding is $15,000. Paying only what is on the statement will still result in an outstanding balance of $10,000 at the end of the month. This $10,000 amount will still get reported and reflected in CCRIS. If you need your CCRIS to look clean come next 15th, you have to pay ALL outstanding by months end, not just the one in your statement.

Understanding this mechanism and timing your future loan application will make the system works to your advantage and not against you. Of course if you are not planning to take on any new loan, who cares…. as long as your egg don’t hatch, you will be fine.

Where do I get my credit history from?

I will share two most common sources,

  1. Direct from Bank Negara (
  2. CTOS website (

Direct to Bank Negara is the best because it’s free. Who no like free things right? Just walk into any of their branch with your MyKad and print it out. Alternatively they also allow you to print a form online, fax or email it to them. They will then request some verification info and will you will get it once it is verified. This way is slow… very slow. In my experience it took at least 1 week.

My preferred way is via CTOS. Of course this is not free, as they run a business. Each new request is charged RM25. You simply register an account on their website, attach a copy of your identification card, and once the account is verified, you can start using it. Once a CTOS report is purchased, you may download that copy as many times as you want.

CTOS report will include your latest CCRIS, the CTOS own portion of the report, and the new CTOS Score. The score is a neat addition as it gave an idea of how well is our overall credit score. Remember it is only for your reference. Each bank still has their own credit scoring system which is unique only to them.


CTOS also provides some general guidelines to improve your score.

So confirm I can get that loan?

None of this will guarantee you will get that loan you desire. At best, it will signify that you are in good credit health and that you might be eligible to take on further commitment.

Each bank has their own way to asses a person’s credit worthiness. And there are other additional factors to take into account like your type of employment, your tax filing and payment history, etc etc…

So how often should I check?

I would say at least every 6 month. And definitely before you decide to make any large loan applications to make sure all your Eggs are still Eggs.


The world today has become more complex than what it was X years ago. Gone are the days where people can skip on their PTPTN loan and still buy million dollar houses. The days of our fathers and grandfathers securing easy cheap loans are long gone.

Tightening regulation by banks to curb another financial meltdown has made securing loans that actually matters, a much more challenging task. And yet bank still dangles easy access to quick personal loans and easy payments scheme to entice spending. Your only protection is constant education.

So if you know someone that is still clueless about this basic financial prudence, please encourage them to start caring.

A word of wisdom,

You can only help those that choose to help themselves

Posted by Jerie Lim

The Best Cash Back Credit Card Combo – AEON Credit Cards plus Online Cash Back Cards

Another credit card tutorial by GenX @

Update September 2016 – Effective 1st October 2016, the UOB VOX card will be terminated/phased out. There is a new UOB Cash Back card called YOLO but you need to spend a minimum amount in order to earn some cash back.

Update 30 April 2016 – Mr. Jerie Lim confirmed that his CIMB Cash Rebate MC also earned him 5% Cash Back via PosOnline.


First of all, I would like to thank the following people who have taken the time to comment at my Facebook Page or messaged me via Facebook, so that you can benefit from the information which is presented in this article:

  • Mr. Jerie Lim, for being the first person to highlight to me that AEON Credit Cards’ bills can be paid Online via PosOnline. Mr. Jerie Lim further commented at my Facebook Page that the UOB VOX credit cards gives him 5% cash back from online transactions.
  • Mr. Lou Jyh Haur, for commenting at my Facebook Page that PosOnline imposes 2% Fee when we use our credit card to pay AEON Credit Card bills.
  • LYN member with the nickname kelvinlzy, the first person to inform me (via Facebook Message) that he managed to get 5% cash back with his UOB VOX plus extra 0.3% cash back when he paid his AEON credit card bill via PosOnline!!! For the record, kelvinlzy was the first person to post at LYN that we can use another credit card to pay AEON’s credit card bills via PosOnline.

Most of the contents below were first posted back in late March 2016 in my article titled AEON GenX Platinum Credit Card & Why You Should Get An AEON Credit Card. This said article had 2 parts, the first part about AEON GenX Platinum Credit Card was an April Fools’ Joke. The second part about Why You Should Get An AEON Credit Card was to highlight to my readers that they may be able to get cash back up to 4% for any type of transactions with a little bit of extra work by simply using an AEON Credit Card to pay for his/her transactions AND then use a credit card that earns him/her cash back for Online Transactions.

It is now end of April 2016, and there are still people who are of the impression that the AEON GenX Platinum Credit Card is real!!! I guess it must be either due to my fantastic story-telling skill or those people didn’t even bother to read the article carefully even though after 1st April I have added comments at the start of the article that the AEON GenX Platinum is an April Fools’ Joke.

So, I thought I should have a dedicated post (with updated/revised comments) to just highlight that we can now earn up to 4% cash back for any type of transactions simply by using an AEON Credit Card and then use another cash back credit card to pay the AEON Credit Card Bill.

Without further ado, I shall once again teach you how you can earn up to 4% cash back (can be more which I will tell you in the Conclusion if you shop at AEON Big) for any type of transactions any where on earth.


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AEON Kredit GenX GenY GenZ Platinum & Why You Should Get An AEON Credit Card

Another quality ARTicle & Tutorial by GenX @

This post has two parts:

Part I – The AEON Kredit GenX GenY GenZ Credit Card is an ARTicle and April Fools’ Joke.

Part II – You can pay AEON Credit Service (M) Berhad’s credit card bills with another credit card is not an April Fool Joke but a credit card tutorial. Update 2017 – many people have reported that they could no longer pay their AEON Credit Card Bill via POS Online.


Sometime in early March 2016, I received a message via Facebook from Ms. Hinata Shiro claiming to be from AEON Kredit (M) Co. Ltd. I wasn’t sure if the message was genuine or not because I have received several fake messages (at LYN and Facebook) from people claiming to be so and so. Anyway, below is the facebook message (click here if you need to enlarge the image):

Facebook Hinata Shiro

Before I proceed, I would like to make a Community Service Announcement:

If you are a regular reader of mine, in the past two years I have “begged” you guys to donate to me RM11.18 via PayPal at Guess what, I received an email at claiming to be from PayPal telling me that the account has been suspended (or something like that) and that I need to verify it immediately by clicking on a link in the email. Well, it’s a fake message because PayPal would never contact me at as my main Pay Pal account has another email address. Even if a payment was made to my PayPal SUB-Account, PayPal would only sent an email to my actual PayPal Main-Account to notify me of a payment and never to my Sub-Account.

And also FYI, don’t email me at genxgenygenz@hotmail as I very seldom read the emails there.

So for you guys with PayPal accounts, please take note of the above and never click on any email claiming to be from PayPal asking you to log in via link(s) provided. Always open a new browser window and then go to PayPal website and log in from there. Always be kaisu when it comes to matters relating to your money. Click here to read my article Credit Card Fraud and SMS Alert.

Coming back to Ms. Hinata Shiro, well, she did call me back after I gave her my handphone number to reconfirm the meeting… and the conversation went something like this:

Me: Hello.

Ms. Shiro: Good day Gen X San, my name is Hinata from AEON Kredit again. How are you Gen X San? I am calling to reconfirm the appointment on 19th March 2016.

Me: Hi Hinata, I’m fine thank you. Why your boss want to see me, what’s his name again?

Ms. Shiro: Futagi San, he wants to thank you and on behalf of AEON Kredit and he wants to repay our gratitude to you by buying you dinner.

Me: Huh? I don’t understand.

Ms. Shiro: He will explain to you when both of you meet up as agreed on the 19th of March at Zipangu.

Me: Okay (still blur).

Ms. Shiro: Thank you Gen X San and see you soon. You have a pleasant day.

Me: You are Japanese right, why you speak like an American?

Ms Shiro: I studied in USA.

Me: Where, which Uni?

Ms. Shiro: GenX San, I went to Yale where I did my undergraduate in Business and then MBA there too.

Me: WOW! You must be really smart, why you PA to a GM?

Ms. Shiro: It’s because of our family history with AEON where all my family members are expected to serve AEON. And due to our corporate culture, everyone starts at entry level positions and work our way up via various departments to gain experience. I am honored that my HQ assigned me to Malaysia and to assist Futagi San.

Me: OIC. Okay, bye.

Ms. Shiro: See you at 8pm on 19th March. Good bye.

Now,  you may be wondering why I was so trusting to give out my handphone number to Hinata. Well, when she messaged me, the location of the meeting with her boss is at Zipangu Japanese restaurant, Shangri-la Hotel. As such, my instinct told me that the message must be real, moreover I do enjoy the food at Zipangu and got FREE dinner, sure lah I go…. worst come to worst, I buy dinner for myself, hahaha. You must try the Grilled Salmon Belly at Zipangu which goes really well with the garlic fried rice 🙂

Another reason why I believed that Hinata’s message and call was genuine was because I have worked with Japanese Executives while I was a Consulting Engineer and I tell you it was common to have dinner while we discuss our work.


The dinner was at 8pm on a Friday night, as you guys are fully aware, that’s the worst time of the week to be on the road. So, I went to KLCC at 4pm and watched Ola Bola. The movie brought back some fond memories as I did watch the actual game on TV where James Wong scored the goal that qualified Malaysia to the 1980 Olympic; and I was so proud of our national football team that day. Those were the good old days and some of the fantastic players that I still remembered are Santokh Singh, Soh Chin Aun, R. Arumugam, James Wong, Hassan Sani, Shukor Salleh and Jamal Nasir. Of course, the greatest footballer in Malaysia is none other than Mokhtar Dahari, he’s my favorite and I would be glued to the TV whenever there is a live telecast of him playing.

Anyway, after the movie, I hung around KLCC and headed to Shangri-la at about 7.15 pm and arrived at Zipangu 10 minutes before 8pm. To my surprise, Ms. Hinata was standing at the entrance. I could recognize her pretty face from her Facebook Profile, she was slim with shiny long black silky hair (as if she just came out from a hair salon) dressed in a black jacket, white blouse and knee length black skirt with 3 inch heels. I tell you, she was very fair and complexion was flawless (nowadays young girls are so freaking good with their make up skills to enhance their looks; but I believe Hinata’s skin is naturally flawless for her current age). Boy, I wouldn’t mind having her as my Personal Assistant, pretty, smart and courteous, hahaha.

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The Best Credit Cards for Insurance Premiums and Utilties PLUS PTPTN Repayments Too

Another credit card tutorial by GenX @

Updated August 2016 for OCBC GE and HLB VI


Recently I just published an article to highlight that Maybank is revising their Treats Points program effective 15 April 2016, where transactions relating to Insurance, Education, Utilities and Petrol will only earn Maybank credit card holders just 1 Treats Point with every Ringgit spent or even ZERO TP. For government related transactions, all Maybank Credit Cards under the Treats Points program will NOT be rewarded any Treats Points, i.e. ZERO – Nil – Zip Treats Point.

This is really bad, because it means that we will no longer be earning 2X or 5X Treats Points when we pay for our utilities [Tenaga Nasional (electricity), Syabas (water),  Gas Malaysia and Indah Water] and insurance premiums.

Now, Telekom (Unifi and Stremyx), Maxis, Celcom, DiGi, UMobile and Astro are NOT classified as utilities which means we still can earn 5X Treats Points with the Maybank 2 Cards AMEX (Gold, Platinum and Premier).

Another essential expense that most of us incur is our insurance premium. As of date, all Maybank Credit Cards will reward the cardholder up to 2X Treats Points for insurance premiums. But effective 15th April 2015 ALL Maybank Gold and Platinum Visa or MasterCard will also not earn the cardholder any Treats Points, i.e. ZERO. Only the Maybank Premier Visa (Visa Infinite), Premier MasterCard (World MasterCard) and Maybank 2 Cards American Express (Gold, Platinum and Premier) are still entitled to Treats Points but it is freaking miserable at 1 Treats Point for every Ringgit spent. And not many insurance company accept AMEX.

Maybank Treats Points Revision 2016Click here to read my Announcement – Bad News, Revision To Maybank Treats Points Effective 15 April 2016.

And in the above mentioned announcement, I have shared with my readers that I was informed that AEON is no longer issuing their Watami Visa that earns the cardholder 3% cash back! What a bummer. Or else, it would be the perfect credit card for everyone who spends minimum RM1K a month on anything except for petrol.

Before I proceed any further, I would like to point out that the Maybank 2 Cards Gold, Platinum and Premier AMEX are still very good cards as they will still earn you UNLIMITED 5X Treats Points for all types of transactions except for Education, Insurance, Petrol, Utilities and Government.

For examples, we will still earn 5X TP with the Maybank 2 Cards Gold, Platinum or Premier AMEX from the following transactions:

  • Apple iPhone or MacBook at EpiCentre and can opt for 0% installment plans too.
  • Samsung Mobile Phones including the latest S7 or 65″ UHD 3D TV or other electrical goods at Best Denki, SenQ or Harvey Norman and can opt for 0% installment plans too.
  • Clubbing – not the sleazy ones
  • AEON, TESCO, GIANT, Cold Storage, Parkson, Metro Jaya, UNIQLO, etc.
  • Luxury handbags – Louis Vuitton, Chanel, Prada, Coach, Michael Kors, etc.
  • Rolex and all other luxury watches. Can opt for 0% installment plans too with the AMEX.
  • All luxury brands – if they don’t accept AMEX, then it can’t be labelled as a luxury brand.
  • Hotels – including budget hotels with Agoda and get up to 7% discount. Click here to read my article Agoda Maybank versus
  • Airlines – Malaysia Airlines Berhad, AirAsia, United Airlines, etc
  • Baskin Robbins, Sushi Zanmai, Pasta Zanmai, Ippudo, Alexis, Amarin (and other Thai restaurants under the group), TGIF, Pizza Hut, Tai Thong Group of Restaurants, Chinoz, Dome, Ben’s, F&B outlets at all hotels 4 Stars and above, etc.
  • Servicing and paying for your BMW,  Mercedes Benz, Volvo etc.
  • Mobile phone bills, Telekom (Unifi and Streamyx included) and Astro.
  • And Maybank Customer Service confirmed with me that my children’s Overseas Tuition Fees are still entitled to 5X Treats Points with my Maybank 2 Cards Premier Visa Infinite after 15th April 2016.

Once again, with every RM2.12 spent with the FREE FOR LIFE Maybank 2 Gold/Platinum Cards AMEX, you will earn 1 Enrich Mile or KrisFlyer.  And did you know that the Maybank 2 Gold/Platinum Cards  is the best credit card in Malaysia to earn you AirAsia Big Points?  1 AirAsia Big Point with every RM1.484 spent!!!

But of course the best credit card in the world is still the Maybank 2 Cards Premier AMEX Reserve where we can earn 1 Enrich Mile for every RM0.945 spent locally or overseas.

For Petrol and Groceries, there are numerous cards in the market to earn us between 5% to 10% cash back – click here to read my article The Best Credit Cards in Malaysia 2016 – Special Edition for Petrol and Airport Lounges.

The Best Credit Cards in Malaysia for Insurance Utilty and PTPTN

So today, I shall try to assist all Malaysians to identufy credit cards may be suitable for their Insurance and Utilities transactions.


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Singapore Airlines KrisFlyer American Express® Gold Credit Card Mini Review

Another Credit Card Review by GenX @


Last week someone who holds the Maybank 2 Gold Cards messaged me at Facebook to ask for my opinion on Maybank’s Singapore Airline KrisFlyer AMEX. He pointed out to me that with the “Bonus Miles”, we can get an equivalent of 1 KrisFlyer Mile for every Ringgit Spent! This is really as good as the fabulous Maybank 2 Card Premier where we can earn 1 KrisFlyer Mile with every RM0.954 spent. Considering the fact that Malaysia Airlines nowadays has terminated so many of their routes, we now have to look at other airlines for our desired destinations. So I thought I should also share with you guys this good news and do a mini review of the Maybank KrisFlyer AMEX Gold Credit Card.

Singapore Airlines KrisFlyer American Express Gold Credit Card Review

Singapore Airlines KrisFlyer American Express® Gold Credit Card Mini Review

Annual Fee: 1st year fee-waiver. subsequent years RM250 (principal) / RM125 (supplementary). However, Maybank will waive the annual fee if you request for it on condition you spend x amount. So call Maybank Customer Service and ask before applying for the card.

Minimum annual income: RM48,000


  • Earn 2 KrisFlyer miles for every RM2 spent when you purchase tickets online at Valid for flights originating from Malaysia only. Effective 1 May 2010.
  • Use your Card for all your purchases and earn 1 KrisFlyer mile on every RM2 spent
  • Bonus 3,000 KrisFlyer miles when you use your Card for the 1st time
  • Present your Card for complimentary access to the Plaza Premium Lounge at KLIA, KLIA2, Senai Johor Airport, Langkawi International Airport, Penang International Airport, Kuching International Airport and Kota Kinabalu International Airport.
    Kindly be informed that effective 8th March 2016, access to the Plaza Premium Lounge is now up to a maximum of 5 times per calendar year.
  • Complimentary Insurance Coverage**. Charge your travel fares to the Card to enjoy complimentary Travel Personal Accident coverage of up to RM750,000 for Singapore Airlines KrisFlyer American Express Gold Credit Cardmembers, as well as Travel Inconvenience coverage for missed connections, luggage delay and luggage loss.

Now, earning 1 KrisFlyer mile on every RM2 spent is not much different from the FREE FOR LIFE Maybank 2 Cards Gold AMEX where you also earn 5X Treats Points for every RM1 spent locally or overseas where 10600 TP = 1,000 KrisFLyer Miles. BUT there is one big different between these 2 cards, the Maybank 2 Cards Gold AMEX only earns you 2X TP for Insurance, Education and Government Related  Transactions whereas you will earn 1 KrisFlyer Mile for every RM2 spent on these said transactions!!!

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