MasterCard and VISA rely on partnerships from different banks in the world and do not issue a credit card of their own. What these companies do is they are simply selling their payment methods.

MasterCard and VISA charge their partners a fee for using the payment systems in order to make money. Both these companies do not issue credit cards. It is important to remember that VISA and MasterCard are only payment systems used by thousands of banks worldwide.

American Express Credit Cards Has It’s Advantages

In American Express, they have both the payment methods and issue their own credit cards.

This means American Express runs everything and is independent from credit card companies like VISA and MasterCard. They don’t need to rely on the payment systems of VISA and MasterCard because they already have their own payment systems for their credit cards.

VISA and MasterCard is by far, a more accepted payment method for a lot of people. This is because these two companies operate in around 20 million locations worldwide. However, American Express is more difficult to use because they still don’t have the payment systems that these other two companies have.

American Express is now upgrading their payment systems and considering opening up payment methods in other countries.

American Express is widely popular in North America and Europe where this credit card can offer great credit card deals. Then can offer very attractive rates, great rewards, and also great customer service.

American Express is unique in its own way. Because of the great offers and great rates, American Express credit cards are well on its way to become one of the most popular credit cards used by people. American Express offers the “blue” card where it is gaining popularity for a lot of consumers in North American and in Europe.

American Express Offer Four Different Blue Cards

Here are the different blue cards that American Express offers their clients where it is different from each other:

American Express Sky Blue

The Sky Blue card that American Express offer is one of the best travel rewards card you can ever have. They offer great traveling benefits to their clients. It offers no black out dates and also no travel restrictions unlike other travel cards you would find in the market. This will mean that a Sky Blue card holder will be allowed to travel wherever they want and whenever they want. Not only that, the Sky Blue card offers 0% introductory APR and no annual fee.

Additional benefits of the Sky Blue card include airline tickets discounts, car rentals, hotel stays, and you can even have an insurance coverage for the rental card and travel accident.

American Express Blue Cash

Blue Cash is also one of the best credit cards that American Express offers. The benefits get as much as 5% cash back from anything they purchase with a Blue Cash card unlike the 1% or 2% cash back cards from other credit card companies.

American Express Blue Card

The Blue Card is the original card offered by American Express. Although it doesn’t have much of the features that the Blue Cash and Sky Blue cards offer, the original Blue Card is still a great choice. The Blue Card offers 0% APR up to 15 months. Other benefits are 4.99% APR on balance transfers and it also has great rewards program that can match other rewards program offered by other credit cards. Also, there is no annual fee with the Blue Card.

American Express Jet Blue

The Jet Blue Card American Express offer gives you points whenever you use it to fly on Jet Blue Airways. For the first time users of Jet Blue, they will instantly get 5,000 points.

American Express truly gives what you want in a credit card. So, if you want a credit card with great benefits, great rates and great customer service, try getting an American Express credit card.

Promotion is valid from 1 November 2009 to 28 February 2010 at all American Express Card accepting merchants in the selected malls, except supermarkets, hypermarkets, hotels and their F&B and retail outlets.

Applicable for all American Express Cards issued by Maybank and Maybank Islamic.

American Express Corporate Cards, American Express charge or credit card not issued by Maybank and Maybank Islamic in Malaysia or American Express cardmember who is default of facilities granted by Maybank at any time during the campaign period or American Express corporate card cardmember are not eligible for this 15% cash back campaign.

Bangsar Shopping Centre
Bangsar Village & Bangsar Village II
IKANO Power Centre
Mid Valley Mega Mall
1 Utama Shopping Centre
Pavilion Kuala Lumpur
Starhill Gallery
Sunway Pyramid
Suria KLCC
the Curve
The Gardens Mall
Tropicana City Mall

All transaction must be made at participating merchants that accept American Express Card. No minimum or maximum amount is required. The qualifying transaction does not includes transaction from:

* Supermarkets/Hypermarkets which are located in the selected Malls including but not limited to Cold Storage, Jusco Supermarket, Carrefour, Giant, Mercato De Market Place, Village Grocer and Isetan supermarket.

* Hotel and their F&B and retails outlets located in the Selected Malls including but not limited to Boulevard Hotel, Cititel Hotel, One World Hotel, JW Marriott Hotel Kuala Lumpur and The Royale Bintang Damansara.

The Cash Back is capped at RM150 per Customer (Principal Cardmember) per month, and subject to a maximum payout of RM4,000,000 for all Cardmembers during the campaign period, whichever is earlier, and based on first come, first served basis.

Hurry up, Start to charge all your spending to American Express Cards at these selected malls and enjoy 15% cash back.

American Express

Every bill you pay through Express AutoPay earns you:
American Express Platinum Credit Card : 2x Membership Rewards points  
Singapore Airlines KrisFlyer American Express Gold Credit Card : RM2 = 1KrisFlyer mile  
American Express Gold Credit Card (applicable only for telecommunication charges via Express AutoPay) : 5x Membership Rewards points  
Maybank American Express Credit Card (Gold & Classic): Double TreatsPoints

How to Enrol American Express autopay billing service

To enrol for American Express autopay billing service , you need to complete the relevant form and fax to 03-79538600 or mail to Maybankard Centre, 7th floor, Menara Maybank,100, Jalan Tun Razak, 50050 Kuala Lumpur. Maybank will handle the rest – it is as easy as that.

Details of properties to be enrolled
*Dewan Bandaraya Kuching Utara
*Dewan Bandaraya Kuala Lumpur (DBKL)
*Majlis Bandaraya Ipoh
*Majlis Bandaraya Johor Bharu
*Majlis Bandaraya Petaling Jaya
*Majlis Bandaraya Sham Alam
*Majlis Bandaraya Kuantan
*Majlis Daerah Hulu Selangor
*Majlis Perbandaran Johor Bharu Tengah
*Majlis Perbandaran Kajang
*Majlis Perbandaran Klang
*Majlis Perbandaran Nilai
*Majlis Perbandaran Pulau Pinang
*Majlis Perbandaran Seremban
*Majlis Perbandaran Subang Jaya
*Majlis Perbandaran Temerloh

Other Autobill Services
*Tenaga Nasional (TNB)
*Astro Subscription Fee
*Fixed line telephone bill (Telekom Malaysia, Time-Tt Dotcom, Celcom, Maxis, Digi)
*Mobile Phone Bill ( Celcom 019-013, Maxis 012, Digi 014/016)
*Internet Service (Time donet, TM net)

This American Express autopay billing service is only applicable to Malaysia Ringgit cardmembers. All other terms and conditions of Cardmembership are applicable upon enrolment into this American Express autopay billing service. Offer is subject to successful enrolment into American Express autopay billing service.

This promotion is applicable to American Express Charge and credit card issued by Maybank and Malaysia Islamic but excluding corporate card.

To participate, simply register Via SMS now!

Type “Reward<space>15-digit American Express card number” and send to 62628

A successful registration will receive a confirmation via SMS. If you do not receive the SMS confirmation. Standard SMS cost of RM0.30 for each SMS shall be borne by the participants. Please try again or please contact your Telco service provider to verify if your phone number is under the block list category.

Tier 1: 500 Longines watches up for grabs
You are required to use anyone of registered American Express Charge or credit card in the following important manner to qualify for Tier 1 of the campaign:

1. You need to spend RM8000 and above ( in one or multiple transactions) on qualifying retail transaction with their registered American Express Card within the same month.

2. The first 100 participants who spend RM8000 and above every month during the campaign period will receive one Longines watch, limited to 1 Longines watch per participant during the campaign period.

3. Transaction will be tracked from the date of confirmed SMS registration and subsequently from every 1st of the month till end of each calendar month during campaign period based on the posting date.

4. Winners will be notified by letter or their names published in the Maybank2u.com website or any other methods of communication chosen by Maybank at its absolute and sole discretion by 28 February 2010.

5. Winners are not allowned to select the type of Longines Watch. The type of the Longines Watch may differ the Longines Watch in the campaign advertisement and materials promoting this campaign.

Tier2: 1500 Desley Expandable Cabin Trolley Case
You also need to required to use anyone of registered American Express Charge or credit card in the following important manner to qualify for Tier 1 of the campaign:

1.The first 1500 participants who spend RM8000 and above during the campaign period will receive one 1 Deisey Expandable Cabin Trolley Case, limited to 1 Deisey Expandable Cabin Trolley Case per participant during the campaign period.

2.During the campaign period, each participant is entitle to 1 reward only. Participant who is eligible for Tier 1 Rewards (Longines Watch) will not qualify for Tier 2 reward (Deisey Expandable Cabin Trolley Case).

3.Winners are not allowed to select the colour of the Deisey Expandable Cabin Trolley Case in the campaign advertisement and materials promoting this campaign.

Spent your American Express Charge and credit card today and get Longines Watch (Retail Price: RM2,250), or get a Delsey Expandable Cabin Trolley (Retail Price: RM700).

Tickets are applicable for travel to any SQ destinations in Asia, Australia or New Zealand (inclusive of A380 destinations – Tokyo and Sydney!).

From 1st June 2009 until 31st August 2009, stand a chance to win the following prizes with every RM100 spent on Singapore Airlines KrisFlyer American Express Gold Credit Card.

1st Prize  : 2 Singapore Airlines Business Class tickets
2nd Prize  : 2 Singapore Airlines Economy Class tickets
3rd Prize  : 15,000 KrisFlyer Miles

The Singapore Airlines KrisFlyer American Express Gold Credit Card members are required to use their Singapore Airlines KrisFlyer American Express Gold Credit Card in the following manner to enter the contest. 

*Every spend of RM100 in single receipt 1 entry
*Every approved basic card 10 entries
*Every approved supplementary card 5 entries

Each retail transaction of minimum spend of RM100 equals to one contest entry only. Supplementary spend is also inclusive.

The short listed Singapore Airlines KrisFlyer American Express Gold Credit Card members will be contacted by Maybank or its appointed representatives (at the latest telephone numbers furnished to Maybank as shown in Maybank’s record) at any time during office hours to answer a series of 3 questions.

The short listed Singapore Airlines KrisFlyer American Express Gold Credit Card members who answers all or the most number of questions correctly will be declared the Grand Prize winner, followed by the 2nd and 3rd prize winners. (Should they all answer the 3 questions correctly, the next deciding factor will be based on the highest spend amongst the 3 short listed).

The following additional terms and conditions shall apply for the prizes:
*The tickets are valid for travel 6 months from date of issue.
*Travel will be subjected to seat availability at time of booking.
*All government, federal, state and local taxes and duties on the prize won, customs and immigration fees, airport taxes, visa fees, insurance, gratuities, any fees imposed by any relevant governments and authorities, and other expenses of a personal nature are the sole responsibility of the winner.
*Prizes cannot be exchanged for cash or any other merchandise and are non-transferable and non-reroutable.
*The ticket prizes are not entitled to Frequent Flyer Programme mileage accrual, is non-negotiable, non-transferable and non-refundable, either in part or in full.
*KrisFlyer miles will be deposited to the KrisFlyer account of the principal cardmember, and are subject to the terms and conditions of the KrisFlyer programme.
*Winner shall contact Singapore Airlines (Ms Eliza Tan, DID: 603-2699 6331) within 6 months for flight reservations and issuance of the air tickets. Winner will bear any cancellation and administrative charges.
*Usage of KrisFlyer miles to redeem for award tickets or upgrades will be subjected to seat availability at the point of flight reservation and ticketing.
*KrisFlyer miles will automatically be deposited to the KrisFlyer account of the principal cardmember.

Not yet Singapore Airlines KrisFlyer American Express Gold Credit Card, apply today and get Free Singapore Airlines Business Class tickets, Economy Class tickets or 15,000 KrisFlyer Miles.

5x Membership Rewards

Earn 5x Membership Rewards points for every Ringgit spend at Groceries, Petrol, selected bookstores – Borders, Kinokuniya, MPH, Times – and Telecommunication charges via Express AutoPay – Maxis, Celcom, DiGi, Telekom

Membership Rewards

Earn 2x Membership Rewards points for every Ringgit spend elsewhere

Emergency Cheque Cashing

Encash a personal cheque of up to US$2,000 at any American Express Travel Service or Representative Office every 7 days in Malaysia or 21 days outside of Malaysia. Only available at Level 1, Menara , 100 Jalan Tun Perak, 50050 Kuala Lumpur, Malaysia

20 Days Interest Free

Pay no interest on all your purchases up to 20 days from the date of your monthly billing statement

Balance Transfer

Transfer your outstanding balance from other credit cards to your American Express Gold Credit Card to enjoy substantial savings on interest charges

24/7 Online Account Access

Online Services allows you to manage various aspects of your Card Account, saving you time and giving you complete control, 24-hours a day.

Emergency Replacement Card

Should your Card be lost, damaged, or stolen, we can get a replacement to you usually with 24 hours, virtually anywhere in the world.

Online Fraud Guarantee

Shop online with confidence. You will not be held responsible for unauthorised online purchases.

Global Assistance Almost anywhere you’re traveling, you have access for assistance with:
*Immediate medical / legal / financial and other emergency referrals / assistance
*Referrals to embassies & consulates
*Referrals to medical services
*Referrals to legal counsels

For me, I like new American Express Gold credit card bacause i can enjoy lifetime fee waived and 5x rewards point if spend at any petrol station. Hurry up.. I will apply new american express gold credit card today…What about you ????

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American Express credit card come in multiple varieties that were made to cater to the varying needs of credit card consumers. Each one is tailor made for a certain types of credit card consumers.

Along with American express and Visa/Mastercard there are difference between these two companies and American Express. Well the difference is quite simple.

Visa and MasterCard are both payment providers. They have a system which they allow business to use in order to accept payments using these cards. Visa and MasterCard are issued by banks rather than by the companies themselves. The banks also receive the interest payments; in fact all of the processing is done by the banks rather than by the credit card companies.

Therefore often see cards bearing both the Visa (or MasterCard) logo along with the issuing bank’s logo. Visa cards do not come directly from Visa; only the Visa-member bank issues the Visa credit cards directly to consumers.

While American Express credit card is a very different arrangement. Not only do they have their own payment system, but the American Express credit card is also issued directly to credit card cardholders by American express itself. So they are running the whole show. If a credit card says American Express on it, you know instantly who issued it, what payments system it utilities and everything else about the American express credit card.

American Express credit card is simply a great card all around. They have a variety of offerings with one perfectly suited to your needs no matter who you are. You can get an American express credit card from a local outlet or even over the internet, which certainly makes things easy!

One of the recent offer from American express give a very good credit card deals, I’is American express gold credit card, that come with quite attractive benefit for their new card holder. I just list out 3 of them in the below and for more information, you can visit their website for detail:

• 0% Finance Charge till December 2009, after that 9% from January 2010.
• Earn 5x Membership Rewards points for every Ringgit spend at Groceries, Petrol, selected bookstores – Borders, Kinokuniya, MPH, Times – and Telecommunication charges via Express AutoPay – Maxis, Celcom, DiGi, Telekom
• Earn 2x Membership Rewards points for every Ringgit spend elsewhere

American Express credit card are accepted in many places today. In addition, they have a variety of different options available for customers. If you’re considering getting another credit card, an American Express credit card option may be the right one for you.

Whenever you look for a new card, be sure to check the terms and conditions. Read through the various details listed, and make sure that the card meets your needs. Once you have a solid understanding of the features, you’ll be ready to apply. The process only takes a few minutes.

If your credit is good, you just have to fill out an American express credit card application form; you should have no problem receiving a the american express credit card. Within a matter of days, you’ll be enjoying your new American Express credit card.

So enjoy life. Sign up for an American Express credit card now.

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