I dont think we can offset it directly.
Normally if we pay less than the amount in the statement, it will considered as outstanding...

You think, I thought, who confirms ?

Yes you can. But make sure the rebate already been calculated on your statement.
Been doing this and never encounter an outstanding.

Ronnie, you may be right.
I just found that for Ambank card, if the cash rebate already appear in the unbill but yet to appear in the statement, we can actually just offset the value.

I think different bank got different method, need someone to try out.

by the way, thanks @theanswerL2 , got the rewards bank in today!

my cimb cash rebate , i just pay off the balance after rebate.

Good to hear that, I might want to do that for coming months, all the while I'm not dare to offset, worried will need to pay the late payment charges if not pay in full.

haha dont worry. for Alliance, pay the remaining balance after rebate offset

I don't understand the discussion ... actually offset or not, does it matter? If not offset, it will cut from your next month bill .... unless you decide to not use the card anymore, what difference does it make if it offset your current bill or the next bill ?

I think it depends on when the rebate is credited. If it is credited before the due date, then you can just pay the statement balance - rebate amount. This should be applicable to any credit cards.

I guess the theory behind is:
Total credit within the interest-free period >= statement balance
Then will not get charged for financial fee

Crux of it.. you pay less than Statement Balance, means less cash upfront to the bank.

Not so with CIMB cards..... any CB you get before due date is not counted...

Is this related to the terms where the CB is credited the next month for the CIMB card? Do note that the important point here is "credited" not "earned".

u are dam right. because your credit card everymonth is spending.

Hi, I'm interested to get a Alliance You:nique credit card. Any agent available or any taikor could help to recommend one here? Please kindly pm me if available. Thanks!

You can submit your name and contact in alliance bank website and some one will contact you.
https://www.alliancebank.com.my/18x

I can confirm YES as my past 8 years experience with alliance bank business card, plat card and the you'nique card.

Recommend to apply via @theanswerL2

http://www.alliancebank.com.my/younique

hi
anyone using this card?
sorry kinda confusing with the cash rebate....
how come cash rebate % drop if u spend >3000?
mean spend more = less CB or any other calculation method?

It is tier-based. Any spending after 3k will drop to 0.3%.