Maybe your keyword and search method is not so efficient. You should search using "Show results as posts" and put as specific keywords as possible.

I remember this has been discussed before. Anyway, yes autodebit does give you 5% but there might be exception.
Why I say exception is because if the telco is somehow using different MCC for auto payment system, you may not get 5%. So far, there is no complaint from forumers as far as I can remember. Paying some bills that is listed in OCBC internet banking entitled you to get 8% (until 31 Dec and the extra 3% will be credited to your account next year, there is capped also).

I'm not sure whether the bank has really transfered the money to the merchant or not. Logically it should have.
However, I have experience once before where there is a dupplicate internet transaction at the beginning of the month using SCB card. I only notice it at the end of the month. Call the CS, they check the system and refund the money within a week without filling the dispute form. I can say it is very efficient for that and hassle free.

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Added on November 6, 2010, 1:31 amNormally bank will send a notification letter for your 1st transaction. Some banks even allow you to set sms notification for any transaction (foc), SCB for example.

RM2.5k only valid for CIMB, OCBC is RM1k.

As more and more cards are offering 5% rebate for petrol, 5x points isn't enough. Lower requirement hope to attract more customers.

Yea, can't wait for next year guaranteed contest again. Btw, just wondering whether you receive the 5% cashback promotion notification from SCB?


This post has been edited by ck3lam: Nov 6 2010, 01:31 AM

I think you will still get it back as you only sign for one transaction, just it may take longer time to refund back to you (like the CS said, 2~3 months). Interest may be charged during this period. I have encountered a refund that took 1/2 year by a bank (long story...).

All cards accept online purchases (some online purchase in other countries like US may require a valid US address for shipping, but there are still ways to get it to be delivered to M'sia), just some banks adopt the added security feature like 3D Secure (by Visa) and SecureCode (by Mastercard). I think Citibank doesn't adopt this enhancement as I can't recall there is any 3D Secure authentication when purchase online.

Since you said you are a loyal customer, then most probably the Nov cashback promotion is simply a random selection.

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Added on November 6, 2010, 8:44 amUOB Nov Promotion
LG Plasma 50in at RM1 Smart$.

Started yesterday but again as I see the T&C, it's not that easy to get.

This post has been edited by ck3lam: Nov 6 2010, 08:49 AM

Well, I only stop using it in Sept and Oct (Replace by OCBC Ti). I spent a lot during Jul and Aug promotion. Am I consider as an inactive cardholder?

Mm...basically I’ll use that card if there is any great promotion going on. After Nov, I guess I’ll put it back to the fridge until the next promotion coming up.

Starbucks and Cafe also 5%.

Didn't expect so. Ha, 100yen is also considered as supermarket category? Jusco is so big but it's not entitled for 5% .
I wonder whether Neway is also same.

I think those pharmacy inside the hypermarket is also be 5%.

This post has been edited by ck3lam: Nov 14 2010, 05:36 PM

Lucky you Anyway, I suggest you better call CS to confirm whether it is applicable for all listed merchants in the online banking or just TNB and water....

Oh, thanks. A lot of cash rebate war is going on...

Talking about the card design, I wonder there is any copyright for card design or not. For example, a You:nique card that copy the design of a VI card.

I wanted to tell about this but hesitate because it’s not really CC related.  Anyway just FYI, Esso stations at Grand Saga always have this kind of promotion (Yes, it’s a promotion and not permanent 2x). You will get 2x points if monthly petrol above RM200 (if I remember correctly, actually glance through only). Plus you get a free tissue box. Heard this promotion is going to end soon (year end maybe).
Of course this is a great promotion if you stay in Kajang.

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Added on November 18, 2010, 5:01 pmI would prefer use phone sms instead. Carry another device seems troublesome for me.

This post has been edited by ck3lam: Nov 18 2010, 05:01 PM

Is your profile up-to-date? email I mean.

Yup, I also do the same. The mind needs to do a quick analysis to decide which card to use at the merchant. Sometimes the best card to use was being left in the freezer. Can't afford to go back and take it.

Based on your detail description, even if you didn't say you stay in kajang, it is obvious that you stay around there. Swipe at pump also can, just show them your receipt.

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Added on November 19, 2010, 12:29 amNot bad, man. I heard my sis said most of the time she can get at least RM10 but she's actually aim for RM100.

This post has been edited by ck3lam: Nov 19 2010, 12:29 AM

Actually it is only valid for the selected esso stations only unless the cashier didn’t check closely.

I think no one has ever tried it yet. You may not get the rebate as that may consider as departmental purchase. You want to be the first one?
Normally I only purchase directly from the supermarket of what I need even at the last weekend and still get the rebates.

His main concern is whether the 20% cashback valid for Jusco voucher or not.

I think you maybe hard to get answer here as not many frequent forumers holding Ambank card over here (based on their discussion topics). Instead of Jusco, go to C4, Tesco or Giant to purchase those stuff at 1st weekend. Very high chance to get 20% cashback. Only RM400 spent.

I asked this question to CS few months ago, and they are not very sure that time.
Maybe you can call CS again?

Regardless what benefits the card has? Or any card that doesn't suit your lifestyle as long as RM50 is waived?
I think these are also things you need to consider.

A lot of people here is holding DA card as it is free for life (I think you are eligible as you have PTPTN). But I'm not sure whether they will waive the RM50 GST for first time application or not. I believe someone can answer that.

Different saying but serve the same purpose. Maybe the bank cannot say GST waived (so they use the word ‘rebate’), but to us, it is like GST waived.

Opps…you are right about PTPTN, studying diploma also can apply. Maybe I jump into conclusion too fast. Since this is his first CC application and his salary is considered high for a new guy (also I assume as he asked general question). So I thought he might be holding a degree.

Mm...this doesn't look like Citi. Normally they will offer you if you swipe certain amount or few times within weeks, they will waive the Annual fees and give you cash rebate.

But I think these kind of co-brand cards will 'die' very soon, as it cannot beat certain cashback card.