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> Debit Card V3

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ClarenceT
post Dec 21 2017, 08:34 AM

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Don't expect too much from the banks now. The banks can get max 0.15% (or 50 sen + 0.01%, whichever is lower) only from debit card transactions.

This post has been edited by ClarenceT: Dec 21 2017, 08:37 AM
ClarenceT
post Mar 15 2018, 04:22 PM

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QUOTE(acejlsh @ Mar 15 2018, 02:43 PM)
CIMB CC dont award points for bigpay, tested. I am yet to try out other cards. MCC 6012 is what name?
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The merchant category code 6012, also known as the MCC code, is related to payments taken for financial institutions, primarily those merchants that deal with loan payments or other credit-related activities.
ClarenceT
post Mar 21 2018, 02:11 PM

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QUOTE(laymank @ Mar 21 2018, 01:35 PM)
Does the debit card come with paypass feature?
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It is a Prepaid card.

If I top up RM1,000 using Maybank FCB VS, I will get RM20 rebate from Maybank.
Then I withdraw RM1,000 at a local ATM, I will be charged RM6(.36?)
Then use the money to pay Maybank.
I hope it will work! Too good to be true.

This post has been edited by ClarenceT: Mar 21 2018, 02:14 PM
ClarenceT
post Mar 22 2018, 11:32 AM

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QUOTE(iXora.ix @ Mar 22 2018, 11:23 AM)
Already test this method using yournique alliace credit card.
topup rm 3000 and then withdraw (need to find atm which can withdraw rm100 notes)
so total rebate I get is rm 44 (after minus rm 6 withdraw fees)
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My concern is this...

Reload/Top-up Charges
(Reload charges are levied by our respective partners)
IN APPLICATION:
1. CREDIT CARDS – Rate levied by respective bank partners
2. DEBIT CARDS – Rate levied by respective bank partners

https://docs.wixstatic.com/ugd/0156cb_3ee5b...5d57880ed25.pdf

So you have proved it the reload/top-up charge is ZERO!
(It is not treated as Cash Advance or Betting)

Great news. Thanks.

This post has been edited by ClarenceT: Mar 22 2018, 11:40 AM
ClarenceT
post Mar 26 2018, 08:16 AM

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QUOTE(iXora.ix @ Mar 24 2018, 10:24 PM)
Really? Must be some sort of newer atm. Right now, I only encounter mbb and pbb mostly can dispense rm100 notes. (mostly at large branch or bug mall)
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https://forum.lowyat.net/index.php?showtopi...post&p=88387570
Unker 20sen to all young man.. Good luck and have fun.
ClarenceT
post Apr 2 2018, 02:05 PM

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QUOTE(MGM @ Apr 1 2018, 11:53 PM)
Is MCC6012 quasi cash considered as cash advance?
If so it will not qualify for those promo that exclude cash advance?
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Not qualify.
ClarenceT
post Apr 2 2018, 02:07 PM

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QUOTE(weejin2000 @ Apr 2 2018, 01:33 PM)
May I know how did you pay your Majlis Bandaraya Ipoh to get this govt. rebate?

I am new comer in this governement related services rebate participate for this last month. So to ensure that I got the rebate, I called in to banks to check mcc code, my findings are:
Date                Transaction                                                  MCC
27/12/16          Majlis Bandaraya P.Pinang via Payonline                      4814
27/12/16          Majlis Perbandaran S.Perai via Payonline                      4814
23/2/18          MyEG for Road Tax                                            9399
4/3/18            LHDN via byrhasil                                            9311
(I don't have assessment/cukai pintu payment by my own credit card 2017 and 2018 because all paid via shopee)

Sharing is caring. Tq.
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MCC 4814 not qualify.
Only MCC 9222, 9311, 9399 & 9402.
ClarenceT
post Apr 2 2018, 03:13 PM

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QUOTE(weejin2000 @ Apr 2 2018, 02:47 PM)
So what do you use on and how?
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I don't have the debit card and I am not playing.
But I just had a look at the T&C and informed you MCC 4814 transactions are not accepted.

4814 Fax services
4814 Telecommunication service including local and long distance calls,
credit card calls, calls through use of magnetic-strip reading
telephones and fax services

ClarenceT
post Apr 8 2018, 01:40 PM

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QUOTE(MGM @ Apr 8 2018, 10:07 AM)
Paid RoadTax, SyarikatAirJohor and IndahWater bills by 4-April and just realised that  April is the month where people can pay income tax using PBB debit card to get CB for Govt payment, quota should be finished pretty fast right?
So I decided to delay renewing my passport and wait for the next similar promo as PBB normally has 2 such promos per year.

And also will use FCB to load BigPay in May & August to get the 10% cash back.
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Can top up Lazada wallet if you want.
ClarenceT
post Apr 8 2018, 07:39 PM

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QUOTE(MGM @ Apr 8 2018, 02:43 PM)
Didn't know Lazada has wallet, or r u referring to gift card?
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Already in your Lazada account pending activation. To be launched in the next few days.
But you cannot withdraw Top Up amount at ATM.

This post has been edited by ClarenceT: Apr 8 2018, 07:40 PM
ClarenceT
post Apr 24 2018, 07:53 AM

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QUOTE(kit2 @ Apr 23 2018, 11:01 PM)
i believe it depends on the mcc code used by lazada. if it is one of the quasi cash merchant codes, then it is considered as cash advance.
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Don't confuse. Lazada e-wallet is not Lazada's, but Alipay (Malaysia). MCC for Lazada and Alipay are different.
ClarenceT
post Apr 24 2018, 09:06 AM

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QUOTE(kit2 @ Apr 24 2018, 08:59 AM)
then need to check what is the mcc code used by alipay. if alipay uses a mcc code that reflects the nature of business of lazada, then chances are the code may not be quasi-cash.

see also https://global.alipay.com/help/online/81
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Someone did report Lazada Top Up (Alipay Malaysia) MCC 6xxx, so a quasi-cash category.
ClarenceT
post Apr 24 2018, 10:45 AM

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QUOTE(kit2 @ Apr 24 2018, 10:27 AM)
while i don't deny he provides a lot of info, he could have said it's quasi cash in his first reply to my post. smile.gif
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I just wanted to highlight your mistake - "MCC code used by Lazada".
It shall be Lazada Top Up / e-wallet or Alipay Malaysia Sdn Bhd, not Lazada or Ecart Services Malaysia Sdn Bhd.

This post has been edited by ClarenceT: Apr 24 2018, 10:50 AM
ClarenceT
post Apr 29 2018, 08:19 PM

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QUOTE(leo_kiatez @ Apr 29 2018, 01:16 AM)
So will get charged as cash advanced?
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Not for credit cards issued in Malaysia at this moment.
ClarenceT
post Jul 7 2018, 01:19 PM

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QUOTE(alvinfks78 @ Jul 7 2018, 11:26 AM)
https://www.hlb.com.my/en/personal-banking/...-cash-back.html

anybody got experience from HLB 7% cashback last year promo,

if transaction done on DAY-4 (Tuesday) still within quota for Debit HLB?
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Different rules.
Last year: Daily cap. A max rebate per cardmember.
This year: This rule not found in T&C.

ClarenceT
post Jul 12 2018, 08:51 AM

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QUOTE(Ryaness @ Jul 12 2018, 08:10 AM)
Hi. I am about enter to my work which require frequent flight using AirAsia. Which debit card is best to purchase the ticket? OCBC, HSBC is ok or not?
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Don't use credit cards or debits card, +RM8 ONE WAY "convenience fee". A return flight will cost you +RM16.
Use Online transfer (Maybank2U, CIMB etc), +RM4 PER BOOKING. A return flight will cost you only +RM4.

But if you want to get convenience fee waived, you may get a BigPay PREPAID Mastercard (APP at iOS/Android, bigpayme.com) to pay for the flight tickets. It is an affiliate of AirAsia. It is not a Credit or Debit card.


ClarenceT
post Jul 12 2018, 11:16 AM

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QUOTE(Ryaness @ Jul 12 2018, 10:33 AM)
Thanks. I got it. But if I also got other purpose like online payment. Which bank offer better debit card service? Is OCBC or HSBC ok? Or got other recommended bank?
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The interchange fee for Debit/Prepaid card is only 0.21% (retail) and 0% (Government). So don't expect too much benefits from using Debit/prepaid card.
Choose a Current/Savings account that you feel more comfortable and convenient.




ClarenceT
post Jul 14 2018, 02:06 PM

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QUOTE(Ryaness @ Jul 14 2018, 01:29 PM)
May I know what is the difference between OCBC 360 and OCBC 360 i -provided by OCBC Al-Amin? Both protected by PIDM?
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You will not get interest but "profit" instead, so syariah-compliant.
OCBC is regulated under Banking and Financial Institutions Act 1989.
OCBC Al-Amin is regulated under Islamic Financial Services Act 2013.

PIDM limit can be found be in the Product Disclosure Sheet.
https://www.ocbc.com.my/assets/pdf/Accounts...PIS_0517_bm.pdf
https://www.ocbc.com.my/personal-banking/ac...i/index-bm.html

ClarenceT
post Jul 23 2018, 05:23 PM

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QUOTE(chonghe @ Jul 23 2018, 05:17 PM)
Is Maybank debit charged RM 0.50 for >4 or >8 times withdrawals? This month I got charged on the 9th withdrawal but websites says only 4 times free
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No charge if your account balance > RM5000
ClarenceT
post Jul 31 2018, 06:26 PM

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QUOTE(MGM @ Jul 31 2018, 04:23 PM)
Can't find this campaign info at https://www.pbebank.com/Personal-Banking/Pr...tartDate%20DESC.

You got the link?
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Still can try 3xRM30 to get RM10 Shopee voucher or 6xRM30 to get RM30.


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