Some more can set postdated payment at weekend to earn 5%+2% CB.
Save one category slot from my WISE card.

Just wondering what exactly is retail transaction?
i read it on other credit cards term and condition thing too, but dont quite understand...

Does it mean must be physical retail shop purchase? purchase item online, pay phone bill, pay petrol, internet bill... does all these consider retail transaction? since we dont go physical shop with cashier.


is it possible to use credit card to pay car loan on ambank?
and does it consider as 1 retail transaction?

retail transaction includes purchase item online, pay phone bill, pay petrol, internet bill...

you can't use credit card to pay loans.

Actually u can. Cash out from cc and pay. But not advisable to do so and cc cash out charge very high.

it is impossible to use bank to pay another bank....

that is considered as use cash to pay loans already...

Thanks for the reply guys.

Yes, that's right. Tesco sells prepaid. Caring Pharmacy is inside Tesco.
So, if you select grocery category, indirectly you got two sub bonus categories for Pharmacy and Mobile prepaid.
The main Mobile category only cover Maxis, Celcom, Digi, U Mobile and YES. Tesco can help to cover other telcos.

Yes, you can buy Aeon Big, Tesco, Giant voucher or gift card and get 10% CB.
For Jusco, I'm not sure because sometimes it can be under grocery and sometimes under departmental and sometimes neither both. You need to ask ronnie.

This post has been edited by aeiou228: May 7 2014, 07:44 PM

Cash from CC = future money mar, pay with CC doesn't mean pay with future money also? Haha.

But don't play play with this future money la. Will get in trouble doing this. (pay loan with CC cash)

For Jusco it is down to the individual store really. Mostly it is determined by the location where CS is located. If CS is in supermarket, most probably it will be 'grocery'. If CS is located at other location, then 100% under 'departmental'. I'm only sure voucher bought at Permas Jaya , Johor is under grocery. Nontheless, i'm sure that most other store will be listed as departmental.

Really?
Well, that's the first time I'm hearing this, to be honest.
I didn't even know they had a combo.
I just went to the bank to apply for the Wise, and the officer also did not say anything at the time.

Ah OK, I think I misunderstood your original post.
I thought we can select different categories for the principal and supplementary cardholders.
Sorry...haha.
Wishful thinking.

Yes, that's exactly what I'm doing too...!
Set the payment to automatically pay on a weekend, to take advantage of the 5% cashback + 5x treatpoints.

If qualified, it is better to apply for this card as a principal cardholder. More value and benefit as compared to the supp cardholder.

Yes， I'm the principal cardholder.
Was thinking whether or not to get a supp card for the missus, but after doing my math, I determined that there was no further benefit of doing so.

If you frequently max out the CB, then no point getting a supp. In fact this wise card is one of the worst, as far as supp cardholder is concerned, IMO.

True, that.
In fact, I've already maxed out my Watami card, and nearly maxed out the Wise.
The only card that I have not yet maxed out consistently is my MBB AMEX.

if want to pay loan using cash advance from cc, it's better not to pay the loan at all. interest from loan is much lower than the interest from cc cash advance.

Depend, if Ah Long's loan then better use CC cash. lol

I don't think sup card can have different categories with principle card. It's always the same categories for both.

My banker did mention clearly for the combo offer. But i rejected for the combo offer as she told me can't cancel the GSC combo card alone. If cancel must cancel both card.

This post has been edited by onnying88: May 8 2014, 12:28 AM