Why you want to spend more than rm1000 or lesser than rm990 on this card where it only gives you 8.25% of cash back and no other benefits?
Just say if you only spend rm500, that's only 5% of cash back.
If you spend rm1500, cash back also same at 5%.
And with rm210 of AF and GST that you must pay, assuming if you always spend rm500 a month(that's rm6000 a year), you are getting rm600 of cash back.
After paying the fees, that's only 3.25%.

That's if you are taking rm6000, I'm taking rm12000
For a person that can only spend rm500 for a credit card every month, their spending won't be falling to the preset categories. Taking this in to account, the actual cash back are much lesser.
As I said before, this is good as 2nd card only with your average spending about rm1500-2000 a month.

2 main rules to follow for cash back to work :
1. swipe 10 transactions with minimum rm50
2. any transaction also can, when rule no. 1 are followed

But to make sure you are getting maximum cash back :
1. swipe following your preset categories only
2. hit the rm990-1000 1 week before end of month

In some sense, this should not be your first card.

You may give a try but chances are slim.
And you shall be spending rm12000 or slightly lesser, not till rm17000.

Again, please don't use 10% as calculation, the actual cash back are 8.25% only.
1st year you can get AF and GST waived, yes you may be getting ~10% of cash back.
2nd year you must pay for GST and AF some can get waived and most are not.
3rd year I'm waiting till my April statement to confirm.

In your dream yes, in reality no.
Only first year you can get GST and AF waived, 2nd year onward GST must pay by your own while AF being waived are case by case. If they are waiving your AF, they won't charge you and reverse the charge like what other banks are doing, which will shows in your statement.
3rd year I'm waiting for my March(or April) statement to confirm, still get AF waived or not.

Always look for junior cashiers, easier to get things done, especially hanky panky stuffs

Nope, even you did the transaction on 31st, 30th or 28th,29th(Feb), you may still lose the requirement of minimum 10 transaction.

Usually Maxispay is D+2 minimum.

Nope, I won't take such risk at any 1 time. Last time tried before on the store using HLB's terminal also the same.

Plan your spending in systematic way, usually get the first 10 transactions within 10 days will be the best.

Also, this card you shall spend rm950-1000 every month. If can't, then better get other cards instead.

Give them 2 days to see on your statement.

That's why I do not encourage people to spend with this STUPID card towards end of the month.
And their online service's down time is the highest compare to other banks.

And the "lucky" fellow always are the number 1001

I think is the other way round

Basically I never put any hope to get free gifts. If I want the card, just apply. Not apply because of free gifts.

You need to check on their website, some don't get cash backs even it falls under groceries.
And their price are not cheap most of the time, suggest buy in other places. MV got AeonBig also what? Sure can get cashback

If you are a family man, it will more make sense if you choose petrol and groceries.

It will be the same, so don't treat is as offtopic.

http://www1.uob.com.my/personal/useful/fee...ees_charges.pdf
Based on the above, only pay on time will not incur additional 6%. For people that are paying minimum, they will be enjoying average 20% of late charges.

So you were 1 of the 5% lucky fellow.
No harm to give a call if they charge you, but don't put high hope.
If you have to pay also, then the cash back is 8.25% if you only spend rm950-1000 sharp on the selected categories

10-Dec-2014 12-Dec-2014 THE STORE-J.TUANKU MUNAW SEREMBAN MYS 53.75

Now only knows that buying groceries in thestore does not get cash back.

Now you know. This is the card that will do what ever they can to deny cash back