cashback is posted on 1st of the following month, thus yours would be on 1 July (viewable in hlconnect on 2 July)

Thanks for your reply. Should I pay the outstanding now? OR wait until the cash back to be posted only pay?

refer your statement's payment due date. it should be on 18 July 2017.

pay by this date.

Let's say if the statement is 18th July 2017. The Cashback should be posted on 1st July. If i pay 28th June 2017, then cashback only posted on 1st July, i should be paying extra. What do bank do with the extra money? It will be deducted for next month's outstanding?

yes, deduct from next month's outstanding.

since your statement date is earlier than cashback date, you basically "enjoy" the cashback 1 month late

why dont you change statement date to earlier date like 8th of the month? then the payment due date is 29th, which is near your pay day and the statement will capture the monthly cashback as well.

I thought my statement date should be perfect.

Statement date 27th, Cash back date 1st, then i pay after 1st. So that i still can pay for the amount - cash back for the previous month? I wonder if i understand correctly.

U need to pay the outstanding balance as per statement. Ur cash back not yet posted in ur statement, that's why u need to pay full 1st.

not sure if HLB's system detect it as underpayment for your June statement.

you can try if insist to but not recommended.

since you will continue using the card, it doesnt matter much. cashback amount is small

Alright, thanks all. I will pay in full. And see what happen to the statement next month. Thank you again for clarification.

HLB allows payment amount after deducting cash back with no interest. However, I find it difficult as I have to manually calculate it. Since I will continue using next month, let it flow naturally then.

Hi fruitie, thank you for your input. I have paid the amount before cashback. It's my first time using MACH, thank you for assisting on my query above.

Our statement date is the same by the way.
Why pay so early when you can pay in mid of the month? In this way, you are not fully enjoying 20-day free interest period.

Yes. I am afraid I busy and forget which end up pay late. As my PTPTN and Aeon installment is due like first week of the following month. So i pay all of them together by end of the month.

After using some time, you will automatically remember the dates to pay for your cards.
I use Microsoft Outlook in office to remind me.

Yes, i use my microsoft outlook to remind me to pay my ptptn and aeon too.
BTW from the quote above, does it means those classified as Dining and Travel will 100% get cash back?

It depends what's your chosen category. If TrendSetter yes, you will get cash back for those categories.

I usually pay all my cards around the same time, about 1-2 weeks after statement is out. All my card's statement date will be beginning/end of the month so following this schedule, I should not miss any payments.

Hi - May I know if you are on trendsetter package? I saw some of your transactions stated Travel for Hotel Booking, MAS and Malindo booking payment as well. Do you get 2% cashback on these transactions? Thanks

Hi, yes i am with trendsetter package. Will update you once the cashback is posted. Thank you.

Hi - any news about the cash rebaate for hotel transactions? Thanks