some people really have that expenses every month. so they may want to max the cashback

Usually people do it with a group of cards, eg last year i earned 7k cashback , with few lounge access.
Maybe 7k is not big for you, but that's around 583 MYR per month, and lets say if you use 5% dividend rate,
it's equal free 140k capital generating passive income for you.

My expense also can reach those amount but to think which expense have more cashback which merchant support cashback the effort just not worth. I might as skip few zus can save the amount of cashback already

Its a mindset thing

If you dont eat you save money
If you dont drink you save money

But if you pay the above with cc you get some cb

To kill time not because of money/prizes.

I mean you do your planning once, then month by month it becomes second nature. Obviously, it makes most sense if the spending is based on your organic spending. You don't simply change or increase your spending habits to maximize cashback. If you do that, you've lost.

he probably has no inkling what is prudence
like you guys do......
in spending money...

one who dont mind what ever the price to pay
when the urge comes

compared to you guys who plan your purchases
to get the max out of your RM

It's free money. You gotta spend those money anyway, so why not make extra cash while doing. Besides expenses is planned ahead so that you know that you won't be in a deficit position or overspending.

those that feeling rich will criticize on why you guys keep chasing for cash rebate etc etc.

but when comes to money, every RM50 or RM100 counts.

Compound interest is the eighth wonder of the world. He who understands it, earns it…he who doesn't……pays it

This post has been edited by sjz: Jul 30 2025, 12:03 PM

Not when u spend <1 hour a day, n make > minimum wage, esp for retirees.

isit? didnt see the notice of this further deferment. good news anyway.

Is not worth it if the item is >10% increased price compared to grocery chains (which is fairly common from my survey). Especially if you have other cards which give cashback for grocery as well.

Each person's time is worth differently to them. Some of us, even if not retired, the way our work is we do have 'down time' in between (not full throttle 9-5). I have had work situations where it was not possible to optimise, in that situation just let go. But when my work situations change then this sort of hobby is more useful than watching some netflix or doom-scrolling news/social media.

I quoted it right before your message. https://forum.lowyat.net/index.php?showtopi...ost&p=111960414
Also RHB has sent a push-in notification on the phone regarding this deferment, I have received it yesterday.

RHB send me notification that the missing cashback will be credited by xx date.

However, I do not have any missing cashback. They probably blast it to all customers. Unnecessary confusion.

I also received it. It is easier to send a blanket notification to all rather than targeted notification which may cause errors.

Those fixed like fuel and utilies can be calculated but thosw indulgence expenses like coffe, spare part heck even dining hard to plan as all those based on if feel want buy then buy😅😅

That's why one needs other cards as well for dining expenses.

that means the old better cash back remains?

then BT still can use as filler spend to max at RM2500 only?
no need spend RM3k right?

bro i have 48 cards and i owe cc in millions...

Yes everything remains the same as previously, for now until further notice.
I guess it won't take them too long to come out with a new revision again.

But you also earn millions.