Actually the best rate is exactly 3000 for the month. Because if you spend (let's say) 2,200, you get 5% on the amount above 2000 (rm200) but only RM5.50 on the first 2000.

Your actual cashback in that case is a measly 0.7%.

If you spend exactly 3000, your actual cashback rate is 1.85%

Yes, topping up TnG wallet counts (and is worth it if you have no other option). But if your spending is consistently roughly 2k, then the additional 1k 'feels like' its worth it (spend 1% to get 5%) but you'd be much better off with another card which gives cashback for your actual amount of spend (e.g. UOB One, Affin Duo) without forcing additional spend.

Thanks for clearing up.

I thought if you spend between RM2000-3000 in that range straight away x 5%

TBP seems not so bad now for subscription payment

This post has been edited by JAIDK23: May 14 2025, 04:33 PM

Yes, 5%.... for that spend.

But the RM2000 before that doesn't get 5%. All of this is in the product disclosure sheet.

I found Alliance VS has least MCC restriction. So I use it for Nirvana instalment, Insurance premium auto-pay, JomPay that kind of things.

Found it in their site's and RP review too..

total spend of exactly RM3000 is how we fully utilize that cashback

so 3k x 1.85% = rm55. am i right?

This post has been edited by JAIDK23: May 15 2025, 09:17 AM

Yes, get RM55.50 for exactly RM3k spend.

Does anyone know how to find out MCC code? I would like to know whether 99 speedmart online bulk purchase is consider online shopping or grocery. Thanks a lot

online is a payment mode, can't see from MCC... u can call bank to check the MCC code after transaction posted.

This post has been edited by mamamia: May 20 2025, 02:31 PM

Timeless bonus point redeem what is the worthiest? Ple@se advice.
I have 480000 point...

Lots and lots of TnG topup.

I've to agree to this too .... since the # TBP to redeem Enrich Miles has highly inflated.

Noob question.. is the VI card eligible for 8x points if payment via pay@KL? which is for assessment payment

Is it worth to maximise the ewallet x8 TBP by paying 0.75% convenience fee?

if you are playing airmiles, yes

Are the TBP for all cards merged under the same pool for reward claim?

Btw, just curious how people manage to use up to 9k per month for online? Any tip?

Yes. For my case my Alliance VI and Virtual CC share the same TBP pool

as for - how people manage to use up to 9k per month for online? - it depends on your monthly expenditure? How much do you spend per month?

for my case I try to use ewallet for payments as much as possible, if not then paylater services like spaynow

Mine was 12k short in points in last month's statement. Have emailed them to ask to double check.

just chatted with cs using app, sst waiver will proceed within 3 working days. easy peasy

Bonus RM1 for you

If i using Infinite card to buy flight ticket over RM3k, is this under e-Commerce cap RM3k?