For Nightlife. Is it all bar including neighborhood bar?

hi everyone.. ive just updated the thread page.
updated is the tnc of the cashback mechanism and annual fees.
thanks

Tak nampak apa yang baru     

cool card. currently in dilemma between this card and citi's cashback plat 
i tried talking to a HL agent but he didn't make sense. spoken to him a few times and he keeps changing his answer so don't really trust him.

anyway, since i think you guys are more pro, i ask you la 

1. can i add/change categories in between the quarter? you said above that can only change per quarter, but sales agent said can do anytime
2. if i can add/change between quarter, will i have to pay RM5 full or pro-rated? sales agent said got pro-rate
3. if i add a category in between the quarter will i also earn cashback at a pro-rated rate?

4. how are the categories charged? is it according to how many categories are active at the quarterly billing date or am i billed immediately?
5. if i am only billed at quarterly date: if at start of the quarter i add 9 categories; then right before billing date i remove 9 categories, will i only get billed for 3 (min) categories?

sorry for so many questions
thank you 

You are a confusing little guy       
Each time you add one category you pay RM5 for the quarter... 9 category = RM45  which translate to 50% rebate gone... what's the point ?

that guy must be freaking rich and assumed he can 100% get high CL to be able to earn reasonable cash back from 9 extra categories within 3 months.

I don't think it is hard to get RM 100 from dining in a month -.-... and keep it in drawer for 2 months lol

Bro, Dining with 5% easy lah to get RM100 cash back within 3 months also. But the rest we talking about 1-3%

For movie, if one really can earn RM100 cash back in 3 months, better go get Citibank Clear Card and get FREE 1 for 1 Movie Ticket.

For Nightlife. Is it all bar including neighborhood bar?

I don't think it is hard to get RM 100 from dining in a month -.-... and keep it in drawer for 2 months lol

Citibank Clear Card only B1Free1 in GSCs on Friday. other days no B1F1 >.<

Other than MACH Product which you have first hand knowledge, I suggest you go read all the articles in my blogs before you comment on other credit cards benefits, hahahaha.

Citibank Clear Card entitles the Cardholder FREE 1 for 1 Movie Ticket on Fridays at TGV, GSC and Cathay.
And on Saturdays, Citibank Clear Card entitles the cardholder FREE 1 for 1 Movie Ticket at TGV only until end of this year.

Bro, why no mention of annual fee in first post. Worry scare off potential customer ar?

I did post AF waiver on first post.. >.<

Can you post a scan copy of the MACH application form ?

do you accept photos? >.<

MCC5813 refers to drinking places

if neighborhood bar's merchant code is under 5813, then you are entitled to 2%.


U spent RM2k dining per month? @@ u guys must be earning alot.. >.<

Just as long it's readable...

The annual fee is waived for the 1st year if you swipe once within 45 days, and you get a RM50 GST rebate as well. Only for subsequent years do you need to swipe 12 times in year to waive the annual fee.

Who watches movies in cinema everyday ?

No mention of the GST at the form?

that guy must be freaking rich and assumed he can 100% get high CL to be able to earn reasonable cash back from 9 extra categories within 3 months.