Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Reload TnG with Credit Cards v2, 6% GST on Reload Fee, NOT Reload Amount
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 Nov 11 2014, 03:16 PM
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#1
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo  
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Hi experts, wanna know what kind of benefits we are talking about? Cashback? The best I ever found was no service charge. Can let me know more about the cashback with reloading TnG? Thanks.
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Nov 11 2014, 04:53 PM
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#2
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(chongaik82 @ Nov 11 2014, 03:46 PM) Read post #1 you will see the benefits Bro, you mean this?   » Click to show Spoiler - click again to hide... « I don't really understand how I get rebate from reloading this. Can you explain?  |
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Nov 11 2014, 05:47 PM
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#3
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(victorywp @ Nov 11 2014, 05:23 PM) means you need to apply one of these cc in order to benefit from getting cb on reloading tng. Oh, thank you so much! My sister is using HLB Wise, and since that's the top of the chart, can consider that. I am actually planning to apply a credit card to get some of the cashback from petrol or other errands as well other than TnG. But if Im not mistaken HLB Wise only can choose 2 from the 8 options to get cashback. |
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Nov 11 2014, 06:15 PM
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#4
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(victorywp @ Nov 11 2014, 05:55 PM) yes, so make sure your sister's category choice were grocery and/or petrol so that you can use it to reload tng as per follow post #1. Yeah that's my sister's category of getting cashback, but I think she already maxed out the limit.  QUOTE(cybpsych @ Nov 11 2014, 05:58 PM) hmmm ok, i've revised the topic title a bit Yeah, that just gives me a better picture.  here's the long answer. Imagine. Where can you reload your TnG while getting rebate/rewards? None. Zilch. RM100 give you RM100 credit (assuming no service charge). Now, how about we tell you that you can earn RM10 cashback for each RM100 reload to your TnG? Isnt that interesting? You see, using credit cards not just give you cashback for petrol and groceries, but also reloading your TnG. The million dollar baby question is, where the heck to find merchants that allow you to reload TnG using credit cards then?  Thanks alot! Now the only remaining question is which credit card should I apply to have all the benefits that I am looking for. I already asked on the credit card/debit card/loyalty program cards thread but still no reply yet. |
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Nov 12 2014, 08:05 AM
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#5
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(LostAndFound @ Nov 12 2014, 05:54 AM) OCBC still considered? 5% gone long ago liao, now is identicaly with HLB Essential. Better look at Public Bank (the 6% cashback one with 100k income requirement) or AEON Watami. 100k annual income?! I'm not that level yet la bro. What about AEON Watami? What's the requirement? I already planning to get MBB 2 Gold AMEX. But I'm still looking for international bank actually. If buy anything from overseas have lower conversion rates than local bank ma..  |
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Nov 25 2014, 10:08 PM
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#6
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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Hey guys, I just cant seem to figure out how the rebate works. Can someone kind enough to explain to me? I know I am stupid.
To my understanding, use credit card to reload my TnG can get RM10 cashback, and the listed places are the places I should go for it I want to get rebate. However, some are charging 50 cent for reload service. So basically I earn RM9.50 instead right? And is there any minimum limit that I have to reload before I could entitle to get rebate? And it has to be credit card? What about debit card? |
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Nov 25 2014, 10:25 PM
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#7
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(kinabalu @ Nov 25 2014, 10:21 PM) Let me give u an example : Sorry but I don't really understand some shortcuts. I know CB is Cash Rebate. What about TP? Trade Points? Or? Using MBB2 amex on weekend give 5% CB + 5x TP (2% CB additional) You reload TnG in Jaya Grocer on weekend : RM200, so RM200 - RM14 (7% CB) + RM0.50 service charge = RM186.50 So conclusion, you got RM200 value in ur TnG card for paying only RM186.50. You think worth it or not compare to pay by cash? Yeah I have been planning to apply MBB2 Amex already, it's just a matter of time for now. I usually reload my plusmiles TnG @ Watson outlet. They do not offer any sorts of promotions beside the earlier one right? So only certain credit cards are entitle to further discount. What about the debit cards? And is there any minimum amount that I have to reload to entitle for the rebate if I have the MBB2 Amex? This post has been edited by Belphegor: Nov 25 2014, 10:27 PM |
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Nov 25 2014, 10:41 PM
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#8
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(kinabalu @ Nov 25 2014, 10:31 PM) TP means treatpoints for maybankard user. Okay, I kind of get the whole idea now. So now the question, how do I get the rebate? Instant or every month when the CC statement comes to me? For Maybank2 American express card, every RM1 you spend can get 5 Treatpoints. Every 12500 Treatpoints can redeem for RM50 voucher. So 12500 treatpoints = 12500 / 5 = RM2500 of spending RM50 / RM2500 = 2% Conclusion is 5x TP give u additional 2% Cashback in other forms of reward. » Click to show Spoiler - click again to hide... « EDIT : I saw that u are using plusmiles card too, plusmiles card give u additional CB. For every RM1 = 1 points u spend on plusmiles on selected tolls, you get RM10 back, or another 1% Rebate If your monthly usage is above RM100, you give 5% rebate but no accumulated points. Hence MBB2 amex + plusmiles can get from 8% - 12% cashback monthly. I hardly get to spend more than RM100 since I only go through Batu Tiga Toll, which is the Subang <> Shah Alam, RM2.20/day on weekday. Weekend go out with gf, never use any selected tolls also. |
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Nov 25 2014, 10:49 PM
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#9
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(kinabalu @ Nov 25 2014, 10:46 PM) ok good, batu tiga toll is one of the toll that u can accumulate point in ur plusmiles. Wow bro, truly appreciate of you being patience and all sharing the knowledge with me. Thank you so much! the cash rebate for maybank is automatically reflect in ur card statement every 1st or 2nd day of the month. If you spend RM1000, RM50 rebate show in your statement. If you spend RM600, then RM30 rebate So it will rebate how much u swipe during the month. Maximum capped at RM50 per month or RM1000 spending per month. » Click to show Spoiler - click again to hide... «  |
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Dec 4 2014, 04:32 PM
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#10
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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Can I reload in anywhere that accept credit card with AMEX Maybank 2? Planning to get the 5%+2% on my plusmiles.
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Dec 4 2014, 04:42 PM
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#11
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(peri peri @ Dec 4 2014, 04:41 PM) i did it at jaya grocer with wise card for 10% cb Don't la like that. I already made up my mind getting AMEX Maybank 2. Don't tempt me lol.. |
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Dec 4 2014, 04:56 PM
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#12
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(peri peri @ Dec 4 2014, 04:48 PM) 10% cb everyday not limit on weekend only Haha, okay you got me. Let me check on HLB Wise card. |
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Dec 4 2014, 05:15 PM
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#13
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(peri peri @ Dec 4 2014, 04:58 PM) make sure get the gold card, dont be tamed by the platinum. u will get a stand fan as welcome gift  QUOTE(kinabalu @ Dec 4 2014, 05:09 PM) but he didn't tell u HLB WISE need to swipe RM50 x dunno how many times. Wah Peri peri, never tell me the hidden thing ah.. at least MBB amex is easy and 100% sure got CB. I really doubt I can swipe more than 20 times for a month. Mainly using it as reload, petrol and groceries. |
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Dec 4 2014, 05:52 PM
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#14
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(adele123 @ Dec 4 2014, 05:28 PM) RM50 x 10 times... I usually one week once la. If go everyday very mafan lo.. if got car, pump petrol, easy to hit... just pump more often only... |
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Dec 4 2014, 09:59 PM
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#15
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Senior Member
5,806 posts Joined: Aug 2007 From: PJ | Tokyo
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QUOTE(peri peri @ Dec 4 2014, 06:48 PM) its a wise man card. every card also got set back. same with m2kard, u have to hold your horse until weekend to swipe. QUOTE(LostAndFound @ Dec 4 2014, 09:01 PM) Use the 'trick' some of us do, payonline for TNB bill =) My sister just taught me a tactic. Buy 300 worth of groceries, swipe 6 times.. |
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