wogi gifts is valid

most bank including RHB using monthly spending.
only affin is the weird 1 using previous month statement balance.

me too..
supposedly auto waive.
could be their system glitch.

Based on FAQ
If posted before 28 July.
Everything follow old rules.
So 2.5k will do

my statement date is even tighter, on the 26th!
to entitle last bite of current cash back scheme.
have only 1 day spend and to ensure all trx must be posted on 27th.

was aiming for a last bite in the same statement.

After 26 July statement out,

Before 28 July, do trx go get Max Cap RM50 + RM50 CB.
Ensure posted on 27 July.

28 July onwards, New CB scheme.

This post has been edited by sjz: Jul 7 2025, 10:01 AM

On the contrary, i only do things that i am certain

the main aim is to hit last bite of rebate RM50+ RM50 before 28 July new CB scheme kicks in.

based on their published t&c, FAQ example, can.
but to be on the safe side, i will do 2.5k and make sure they are posted before 28 July.

myTNB should be under Utilities MCC right?

did you try in myTNB before?
or u assume your Zcity case apply to TNB?

as it seem they stated clearly MCC.

i am referring to Visa Shell which just recently revised their CB t&c.

they stated clearly The Cash Back is accumulated on a monthly basis and is based on the following selected MCC listing:

the only way to know is to try it out 28 July after new CB t&c in effect

This post has been edited by sjz: Jul 9 2025, 09:03 PM

the challenge is previously they combine utilities and online category cashback into the same pool of CB cap RM50.
so we don't know which category it is, either online as someone shared or utilities per MCC.

28 July onwards they will separate the pool max cap CB RM10 online & RM10 utilities.

This post has been edited by sjz: Jul 10 2025, 09:06 AM

thanks for the insight.
so it is clear now.

will follow MCC instead of payment mode

This post has been edited by sjz: Jul 10 2025, 09:23 AM

I am going for 50/2000, seem better.
2.5% CB

before 100/2500.
Reducing from 4% to 2.5%.

Shell 600 (5%) - RM30
TNB 500 (2%) - RM10
Online 500 (2%) - RM10
Other Filler 400

This post has been edited by sjz: Jul 10 2025, 10:57 AM

i'll skip grocery as 2% is too low.
i use my other 3% pay wave cb card for grocery

This post has been edited by sjz: Jul 10 2025, 12:25 PM

Assume no overseas spend

Shell 450 (12%) - RM30
TNB 250 (5%) - RM10
Online 500 (5%) - RM10
Grocery 250 (5%) - RM10
Other Filler 1550

to get max RM60 CB

or

Shell 450 (5%) - RM22.50
TNB 500 (2%) - RM10
Online 500 (2%) - RM10
Grocery 500 (2%) - RM10
Other Filler 50


to get RM52.50 CB

the bolded option not max cb but is better choice and effective cb rate

main problem for the new revision is the max cap per category is too low.

This post has been edited by sjz: Jul 12 2025, 08:48 AM

Based on their t&c, the MCC shall prevail.
So myTNB should b under utilities.

If using China version Alipay, definitely considered as overseas spend in RMB.

what is the point of this pic??

agreed,
with min spend and max cap RM10 makes it quite unattractive