Take note supersound's comment. Can ignore the start of his sentence, but the rest correct, only spend at the pump is considered petrol. If you go in and swipe at counter its not petrol category, different MCC.

Depending on your usage, utilities is more convenient (with UOB payonline) than petrol. But different people different, salesperson probably petrol better, stay-at-home sure better to use utilities.

If you don't spend much (<RM200) on groceries, consider choosing dining instead (if you spend more on it). It's hit and miss, but you can always 'test' to see what MCC it is. Or if you currently using another CC, just call their CS and ask for MCC after you've spent.

Based on previously in OCBC thread, we figured out that if the restaurant serves alcohol (like a pub or bar) higher chance to not have the correct MCC. And that any place which is connected to another shop (for example coffee places inside a bookshop) sure won't have.

Do what I do, find a relative (in my case my parents) and offer to pay their utility bill every month. They pay you back in cash. Most people's bills are about the same amount every month so quite easy to plan.

In my case is I give them the rebate la, but you could also keep the rebate for yourself

Got max meh?

Check the balance transfer thread, multiple people done before. I didn't though.

How you calculate your 50% oo, based on our LYN sample I would say closer to 5%. But still >> 0%, so yeah just go call, no loss.

You can calculate based on your usage. If cannot hit 10 times RM50 then this is not the right card for you (of course, most of us here use some form of tricks like UOB payonline or buy shopping voucher).

If can hit with a bit of effort, then why would you want 5% rather than 10%? For less hassle there's always Maybank2Kard Amex (7% on weekend) or public bank (6%).

If you want to use supersound's calculation method, then -0.5% from each card and compare against 8.25% for this one.

https://forum.lowyat.net/topic/3304889

Plenty of places to get cashback if you're grocery category.

Isn't it the case that after April no more GST anyway since GST will be applied on Annual Fee? So for example the GSC card will be free for life since no annual fee, similar to Maybank2Kard.

In that case don't mind keeping it, sure go movie or buy ticket from friends at least 12 times a year.

He talking about checking when the rebate appear on online statement and you talk about spending towards end of the month, what's the connection leh?

Actually TNB bill can be quite high for some, higher than petrol (schooling children and old parents).

He meant 'available credit' I'm sure.

Your available credit is your credit limit minus your spend.

If his credit limit is 7k and spend is 7k his available credit is RM0.

Then when he gets cashback of RM80, his available credit is RM80.

Of course, this method still cannot prevent GST and annual fee charge.

Really no benefit to having platinum. Don't get it.

And that's the reason for this thread (and previously things like the OCBC Titanium thread). So everyone can know where to spend and how to spend to maximize our returns.


Actually I think you can take reading yourself. TNB allow to sign up for self-reporting, then they'll just 'spot-check' you once in a while to make sure you're not underreporting like crazy. Can be a good way to 'average out' your power consumption over months so that you don't pay too much for the high usage months. But this is already off-topic for this thread, and you'd need to find out properly also.

Under what situation will you expect purchase at lelong to be grocery? Not reasonable question even.

Suspicious, never seen before that doesn't show on online statement. Sure you're not just missing it (click 'next' or something)?

If really cannot find, keep harassing the CS for reason.

Illegal? Polis will tangkap you izzit?

Cashier at counter will never check the signature, and even if they check, you can give excuse carrying things in one hand la, whatever. As long as the card holder doesn't complain, no1 cares who uses it. For the bank, you pay your bills (preferably a bit late so they can earn money) then no problem di.

Lagi best if using online payment, really zero way to check who using whose CC.

Well done, biggest troll call me a troll fortunately I'm not married to you.

To quote your previous claims:- do you purposely track my post to reply to?

Wrong or not, we can discuss. Illegal, it is NOT the case. Please quote what law will be broken? Breaking terms of contract with bank is different than breaking law, so don't simply throw out 'illegal' word here.

Like I said, banks don't care as long as bill paid. The T&C you quote is to protect the bank so the card owner cannot claim his wife go simply spend and he don't want to pay. Making YOU responsible for your own card.

If I let my wife use my card and I pay the bill, no bank will care, they will earn from it anyway.

Finally just an example - if I borrow RM100 from you and say I will use it to buy rice and return in one month, but then I go drinking. As long as I return you your money, police won't come after me. Of course you can be pissed off with me misusing the money, and perhaps can charge me in civil courts. But not illegal. Actually, since the beer company has paid you commission (just the same as the rice company) you won't even be pissed off I think.

I agree violates T&C, but simply claiming it is illegal (meaning against the law) is scare-mongering and not helpful. It seems quite a few people don't understand the difference between law and contract (and ethics, too).

Same case as when in the smartphone forums people claim rooting is illegal. No it's not, it voids the terms of your purchase and hence your warranty.

The similarity between that and the use of card by non-card-holder is that, in practice, both have minimal negative impact, for various reasons. Unless someone can point out an example of a situation where bank take action when someone else use your card, in which case can be used as a warning. Just using the word 'illegal' is lazy and not productive for helping everyone properly use their CC.

That's interesting, my experience is opposite. In fact I haven't even had any cashier verify the signature before. Please share more details. For example, whether the name on the CC is obviously male/female name (Chinese names obviously hard to tell) or person was a different race from card holder.

Also, what sort of purchase, was it very large amount, simple grocery shopping, etc. Online/petrol transaction surely cannot be 'caught'.