Logically, quarterly cb rebate is for your card spending. Birthday rebate is complimentary to you, even without any spending. By right, should be 150 + 30

Compare to rm30 voucher, actual rm30 rebate is better

if you're going to spend something at Watami, well, they're "paying" portion of your bill

it's time to celebrate your b'day there oredi

min 3K.

cashback capped at rm150, that's translate to 5K

1,000 cardmembers to takeup RM15K allocation (RM15/card)

any extra cardmembers "gained" after 1,000 due to surging in transactions (hoping to get the 5%cashback) are basically "paying" the commission -> Aeon -> 1,000 cardmembers.

obviously, aeon want to break-even, so they dont have to fork out money to pay the 1,000 eligible customers.

This post has been edited by cybpsych: May 9 2014, 02:31 PM

Celebrate Mother's Day at your favourite restaurant and get 1,000 extra points! Visit www.aeonmalaysia.com.my for Terms & Conditions apply.

yes, it's stated clearly on the image and for mother's day celebration.

few months back, was thinking to get watami card to cover high-spending, e.g. takaful or electronics. too bad, my sporadic high-spending doesnt justify the need to get any new card


earlier this month 3-May, i renewed my etiqa takaful (rm1.4k) with mbb2card amex. maxed out my rm50 cb in 1 day

since i dont have other cards (intentional), now my weekend spend is just gaining TP "fumes" today is Wesak, i need to meditate hard from spending throughout this whole month (except petrol). haizzzzz.....

Mine was motortakaful.

Even if I get watami card, my annual one-time charge for motortakaful/life insurance won't meet the 3k/quarter requirements. My monthly spending adequately covered by mbb2card amex, so it's still OK for me nonetheless

Life insurance. Onetime annual charge. Around october-november (couldn't remember) to renew. I will still miss the quarterly min spend anyway.

Need min 3k/quarter to qualify cashback. My monthly spending is <1k/month and adequately-covered with amex, so no point to spend even more. Spend less is better than chasing cashback.

lol yeah, cannot hit 3k in 3 months. cuz my usual spending can be easily done with amex during weekends.

i can only foresee 2-3 times big spending month in a year, all not within same quarter. so, it doesnt make practical sense to keep another card

back in Feb, i did asked for suggestions based on my average monthly spending. here's the post link

no worries, guys. just sharing thanks!

in case you're wondering, guidelines were set by Bank Negara for all banks to adhere:

http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=2226

though aeon didnt mention any dependency to MCC code or pump criteria, the t&c does state that "the Fuel spent were not accumulated due to fraudulent activities determined by AEON Credit Service."

no automatic detection (e.g. MCC code) but if the "pump" description is non-petrol related, aeon could've flagged it.

well, anyone did any testing (buy non-petrol stuffs at petrol station) and gotten the 5% rebate?

just back from talking with Prudential agent (a friend), he recommended a quite decent coverage with premium of RM1k/month.

finallly now i have a reason to use Aeon Watami card: new insurance policy.

seeking some suggestion: would it be best to pay the premium on quarterly or monthly basis...using Watami card?

Monthly premium payment:

My plan is to get the card first (~2 weeks), then get the insurance (another 2 weeks). hope the 1st premium charge is within 1st month of watami card too, so that i can sync the RM3k/quarter spending.

Advantage: RM1k/mth charge, extra fund and breathing room for ad-hoc use.
Disadvantage: I need to pay extra RM1x3 months for bill payment from M2U -> Aeon.

Quarterly premium payment:

Basically no need to worry if the particular quarter has hit RM3k, cuz once the premium kicked in, it'll automatically entitle me the 3% cashback.

Advantage: I only need to pay RM1 for bill payment. (assuming i dont have other spending on other months).
Disadvantage: One lump sum of RM3k/quarter.


any suggestions? much thanks!

This post has been edited by cybpsych: May 27 2014, 05:19 PM

ah didnt know there's a difference, if any.

When i mentioned the possibility of paying quarterly (Aeon Watami! ), he mentioned to pay RM3k, so i think it's same between monthly or quarterly.

I'll ask again. Also wanted to know from him what is the auto-debit schedule for monthly/quarterly payment. If it's based on specific date, then at least i can plan out the card's registration.

thanks for the advice!

thanks edward

question about new application: if I submit the form at HQ (menara olympia), is there EPF kiosk there to print out the statement?

yalor, maybe print at other aeon branch, but submit to HQ.

good to know! thanks again!