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Credit Cards Alliance Bank Credit Card, Cash Back Platinum and VI
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JetOoi
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 Mar 8 2016, 05:01 PM
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Getting Started
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QUOTE(kelvinlzy @ Feb 27 2016, 11:42 PM) At first it may seems like a good deal, and I have calculated it as below: Spend RM3k per month = 1.67% Spend RM2k-3k per month =1%-1.67% Spend RM1k-2k per month = 0.5%-1% Below RM1k per month = 0.5% If you have to spend RM3k or at least RM2k to RM3k per month, this is a great card to replace Aeon Watami (pray hard it won't happen). 0.5%-1% might also be good, but need to spend at least RM1k. If below RM1k might as well use other cards. Hi all, can any existing user confirm this calculation? I thought if monthly spend 2k-3k will entitle 3% cashback which mean 3k spending will get RM90 cash rebate. Thanks |
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JetOoi
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Mar 9 2016, 10:11 AM
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Getting Started
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QUOTE(edwardccg @ Mar 8 2016, 07:01 PM) kelvinlzy mentioned is effective cash back the cash back is tier based, you calculate it just like income tax first 1k = 0.5% 1k-2k = 1.5% 2k-3k = 3% 3k - unlimited = 0.3% spend 1k = 1k * 0.5% = 5, effective 0.5% spend 1.5k = 1k * 0.5% + 500 * 1.5% = 12.5, effective 1% spend 2.5k = 1k * 0.5% + 1k* 1.5% + 500 * 3% = 35, effective 1.4% spend 3k = 1k * 0.5% + 1k* 1.5% + 1k * 3% = 50, effective 1.67% spend 5k = 1k * 0.5% + 1k* 1.5% + 1k * 3% + 2k *0.3% = 56, effective 1.12% QUOTE(kelvinlzy @ Mar 8 2016, 10:56 PM) Keyword is tier-based. If RM90 rebate means that it would be the same as Aeon Watami which offers 3% rebate. Thanks bro for your clarification. RxnggxtPlxs website showed otherwise, and the official website didn't quote any example. I dropped an email to their CS but no reply yet. |
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JetOoi
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Feb 10 2018, 10:26 PM
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Getting Started
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The feature of the card is fixed upon application or still can be changed after card is approved? I got the card through roadshow (attracted by the 100 voucher) with no intention to use the card initially but now seems like the cashback feature is quite good.Thanks
This post has been edited by JetOoi: Feb 10 2018, 10:42 PM
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JetOoi
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Feb 12 2018, 10:43 AM
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Getting Started
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QUOTE(tonytyk @ Feb 11 2018, 08:21 AM) Which card? What so good on the cash back? The You:nique card.. cashback is regardless of category (all retail transaction), spend up to 3k already got RM50 cashback and above 3k got 0.3%... no cash back cap limit... so I think it is useful to swipe big amount above 3k since it has no cap limit. The problem is I didn't know this card got 3 features and I didn't know the agent choose what feature for me (I even didn't ask what card he chose for me, until I received the card only I know it is You:nique  ). |
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