you are welcome. it's great to share information among each other to maximize our benefits.
by the way, beside the 1% surcharge, there's a 50 sen service charge too right? which means rm101 for rm99.50 tng value?

yeah, when reach around 2.5k replies can open a new thread already.

cash reload, virtually no merchants are giving rebate/discount/cashback. RM100 cash = RM100 TnG credit (assuming no reload service charge at e.g. TnG Spot/Hubs or Watsons).

hence, most forumers are hunting/testing for credit card reload options instead; which giving cashback and give you some extra days without utilizing your fund upfront.

Commonly preferred reload channels via cc are at petrol stations, whereas literally all will incur surcharge and/or service charge.

example:

Reload using Maybank2card Amex on weekends at Petronas Kinrara. RM100 TnG credit = RM100 swipe + 1% (RM1) cash surcharge. In advance, you're paying "more" at RM101 for RM100 TnG credit.
However, your upcoming cc bill will reward you RM5 cashback (5% of RM100 swipe) and 5x100 TreatsPoints (equivalent to 2% cashback in points).
Effectively, you gain RM4 in cashback (RM5 cashback minus RM1 surcharge you paid in advance) + 500 TPs.
You gain something in return.

Might not be much if just reload RM100, but imagine you reload RM500 TnG credit using Amex (RM500 lumpsum or RM100 every weekend). You'll gain RM20 cashback (RM25 cashback-RM5 surcharge) + 1000 TPs

Yes, need more work and not everyone will enjoy this benefit unless you're nearby/convenient to reach these petrol stations.

Watsons currently having the promotion, pay RM 95 get RM 100 in tng (not sure until when, but seems like going to be there for months)
Only applicable for watsons tng, cash only