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
Debit Card V3
Debit Card V3
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Dec 21 2017, 08:34 AM
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All Stars
14,965 posts Joined: May 2015 |
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 |
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Mar 15 2018, 04:22 PM
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All Stars
14,965 posts Joined: May 2015 |
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? 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. |
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Mar 21 2018, 02:11 PM
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QUOTE(laymank @ Mar 21 2018, 01:35 PM) 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 |
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Mar 22 2018, 11:32 AM
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14,965 posts Joined: May 2015 |
QUOTE(iXora.ix @ Mar 22 2018, 11:23 AM) Already test this method using yournique alliace credit card. My concern is this...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) 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 |
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Mar 26 2018, 08:16 AM
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14,965 posts Joined: May 2015 |
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) https://forum.lowyat.net/index.php?showtopi...post&p=88387570Unker 20sen to all young man.. Good luck and have fun. |
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Apr 2 2018, 02:05 PM
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14,965 posts Joined: May 2015 |
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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? MCC 4814 not qualify.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. Only MCC 9222, 9311, 9399 & 9402. |
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Apr 2 2018, 03:13 PM
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QUOTE(weejin2000 @ Apr 2 2018, 02:47 PM) 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 |
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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? Can top up Lazada wallet if you want.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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Apr 8 2018, 07:39 PM
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14,965 posts Joined: May 2015 |
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Apr 24 2018, 07:53 AM
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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. Someone did report Lazada Top Up (Alipay Malaysia) MCC 6xxx, so a quasi-cash category.see also https://global.alipay.com/help/online/81 |
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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. 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 |
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Apr 29 2018, 08:19 PM
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14,965 posts Joined: May 2015 |
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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 Different rules. anybody got experience from HLB 7% cashback last year promo, if transaction done on DAY-4 (Tuesday) still within quota for Debit HLB? Last year: Daily cap. A max rebate per cardmember. This year: This rule not found in T&C. |
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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? 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. |
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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? 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. |
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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? 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 |
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Jul 23 2018, 05:23 PM
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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. Still can try 3xRM30 to get RM10 Shopee voucher or 6xRM30 to get RM30.You got the link? |
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