RHB DEBIT

13/03/2019 SALARY AUTOCR BANK@WORK 30.00 CR

4XRM30 on 15-1-2019

Registered to participate (after 1-10-2018)?
Not via Payonline!

This post has been edited by ClarenceT: Mar 21 2019, 09:17 PM

Don't expect too much as Debit card's interchange fee is very low (0.21% or MYR 0.70 + 0.01%, whichever is lower).
Also, Debit card issuer don't make money from CC interest and Balance Transfer.

You may consider this Debit card
https://www.pbebank.com/Personal-Banking/Ca...ebit-Cards.aspx

Most of the debit cards don't give you any rebate or reward points.

This post has been edited by ClarenceT: Apr 2 2019, 03:47 PM

I am holding UOB Debit MC not because of the reward scheme, I never look into the SMART program. I like E-Account and occasionally play the 10% rebate game and get discount (apply UOB code) at Shopee.

I am holding CIMB-Lazada Prepaid MC which gives me 1% (Lazada) / 0.5% rebate, but the rebate amount is now rounded down to the nearest RM since December.

RHB DEBIT - 15/2/2019 (Final)
11/04/2019 SALARY AUTOCR BANK@WORK 30.00

Didn't get RM10 for 1 transaction done on 7/3/19. Quite competitive now, otherwise PB overlooked.

Payonline is not a part of Govt agencies.
If I am not wrong, MCC4814 for Payonline.
"Search Topic" -> "Payonline" you will find some results.

P/S: Payonline will die on 1 June 2019, at around 20 years old.

I got it too. Spending on 2/3.

#3813-3814

May I know your transaction description: PAYONLINE-DBKL or DBKL? Using Visa or Mastercard?
If PAYONLINE-XXXX then MCC 4814.

There are 12 city/town councils in Payonline list, Visa and Mastercard may give different description so there are 24 possibilities, some under Government.

For example, you use a Mastercard to pay a Telekom account, it will show "TELEKOM MALAYSIA"; but if you use a Visa to pay, then it will show "PAYONLINE-TELEKOM". Different MCC if I am not wrong.

Learn from experience.
PB's game, 2 years ago, I found out why I didn't win CB if using Visa.

You can find it in Unposted transactions in CA/SA.
But not so important now, only 44 days left to use Payonline.

17-04-2019 MISC CR 10.00

I received mine, maybe 2nd batch. (p/s: I didn't appeal)

This post has been edited by ClarenceT: Apr 20 2019, 10:22 AM

Walao too many games, just completed Paywave -50%. Now another one to catch up.

Minimum balance in SA is RM20.
But opening is a few hundred RM, deposit RM500(+RM8 AF) then withdraw RM480 from ATM loh.

I am not using Basic CA/SA. I don't mind to pay RM8 AF.

PB 1.25%+ visa charge, so around +2.25%.

You missed this one. In fact I got RM10 CB for the transactions performed on 7/3/19.
I can't tell how competitive for this month, as due dates for some government related transactions fall in May. In the past, it was not too late on the 11th day of a month.

Oh... Assessment bill, if >RM300 and personal and 1 bill only, you can use SarawakPay and get a Shake reward (assume 2% but it can be more), instead of rushing to council's payment counter for RM10 CB (waste fuel and time).

PB CC - not an issue.

This post has been edited by ClarenceT: May 9 2019, 10:35 AM

SarawakPay 2.0 - No CC/Debit/Bigpay to top up, only online banking (FOC). But you will get a shake reward (the reward is for your next usage, not added to your account balance, quite different from Boost)
(In May 2018, under SarawakPay 1.0, I could top up using credit card but the wallet size was RM200 only so I couldn't pay assessment bills >RM200).

Also, if you want more CB, you shall use Boost/Sarawakpay to pay SESCO, Kuching Water Board, Telekom/Unifi, Astro, not directly from credit cards.