I plan to use it to cash in GO+ and cash out at month end.
But saw some post saying TNG will block credit card cash in, not sure how often cash in/out from GO+ will kena block  :confused:

I won't apply for the credit card if they ask for such a nonsense request. The reason I said alliance is weird is partly due to my personal experience.

First time I receive a feedback from bank mentioning employee check failed and company is not listed when I apply for credit card.

The girl handling my documents ask me to do screen share or go to branch instead for the application then I choose not to proceed cos too much of hassle especially when their branch so limited and the screen share request is nonsense.

Then I go through the forum curious on what other experience. From here I read someone else experience are weird also and not just a few cases.

Till now I still remember the girl handling my application online told me their credit department is "weird and maybe got their own sop". The girl also surprised that their credit department "company not listed". From the conversation I feel like it is happen quite often.

If not because pb visa signature n quantum master stop giving 6 & 5% cash back for ewallet then I won't even bother with alliance credit card. At first I thought is any spending 5% then go for application and at the end decide not to proceed due to the bad experience.

Afterware I aware 5% is for spending from 2 to 3k which equal to only roughly 1.67% cash back. I think it is blessing in disguise that the application didn't go through as the benefit is not what I expected.

Affin duo is much better in the sense where they give 3%. Pbb wise although no more CB for e wallet but their benefit quite good and on and off got some campaign with good cashback. That's y I am keeping their quantum master, visa and visa signature.

Other card I am having now is Citibank for lazada, hsbc visa signature. Standard chartered jop and Liverpool initially used to ewallet cash back but since the revision of benefit, it is not that good anymore but I am still keeping as they waive for the annual fee and give some retention program when I ask to cancel.

Out of so many bank I experience with on credit card, alliance is the 1 with most ridiculous feedback & request. Another bad experience is aeon platinum master card where I was charged annual fee and then the staff said cannot waived so I ask to proceed for cancellation.

Afterward I didn't aware that they didn't cut my card and every month charge management fee on outstanding of annual fee. I didn't aware at first but when I notice it then I check back and notice they waived the sst but not annual fee. Upon follow up with them, they keep dragging and reluctant to proceed for cancellation.

Then only when I told them will bring to bank negara if issues didn't settle as I already given them clear instruction to cancel. Only then they finally proceed for cancellation and waive all those annual fee and the interest they charged on it.

Aeon wise is indeed a bad experience but not weird as per what I experience with alliance. I think I am not the only 1 and u will see all kind of weird experience from other user if u look back on the previous post.

alliance well known for the offer spend 3x min 50 rebate 26
I bet you din call cs yet

So correct me if I'm wrong....

Every statement max earn RM3k spend (24k TBP).

Redemption rate is 60k TBP for RM100 (let's say TNG reload pin, or Jusco voucher, all have same rate).

For ease of calculation (round number) let's say 5 months earn the max (spend RM15k, earn 120,000 TBP) - this can be exchanged for 2x RM100 pin.

So effective 'cashback' rate is RM200/RM15,000 which is 1.33%?

afaik, no longer waivable no matter how much you spent