What about the min RM50/transcation plus swiping 10x? I thought they mentioned cash back is only active when the above is fulfilled?

Few questions
1. So if I swipe say 10x but the 10th time is say only RM30. So cashback (CB) is not active?
2. So if I swipe 9x but already >RM500, CB is still not active?
3. CB include in the RM500 (to activate CB) or not included?
4. So if after exceeding RM500, if I swiped some more, I still get 10% CB until RM100 is reached right?

So each transaction have to be minimum RM50 to be counted. Kind of tricky. Need to keep count of each transaction.

This post has been edited by Ramjade: Jun 27 2015, 09:41 PM

Guess not. Cause you need to select what categories you want and then use the card to pay for the categories

Guess not. Cause you need to select what categories you want and then use the card to pay for the categories

Wow. I thought all this while, to get CB, one needs to perform 10x transaction for the category one chooses.

Wow. I thought all this while, to get CB, one needs to perform 10x transaction for the category one chooses.

Like someone said. Pay the bills into 8xRM50. That way. Left 2 more transaction (2xRM50) to activate CB. Better if the final 2 transaction also inside the CB category. That way, you already earn RM50 (10% x RM500)

But if you want maximum cashback, recommend that all your 10 transaction are are your selected category.

If you want maximum cashback, swipe Rm50x10 for the category you choose. Why want to give bank free money? One should maximise money from the bank.

Isn't it only limited to 3 categories? Care to share? Can PM me if don't want to post openly.

By switching category. Can you spend enough rm1000 to get cashback for the other category?

Petrol yes can. Utilities can divide into 4. No rebate for streamyx.

Any additional charges incur when paid via uobpayonline?

What about TM? They are not counted as utilities in UOB payonline?

How you find out the MCC code?

Also, can we pay bills at Sam Grocer on Saturdays?

I don't think you buy the voucher at normal cashier. Usually one needs to go to customer service. I haven't own a credit card. But can ask people here how to maximise this cashback.

One way is go shipping when no one is around (off peak). Besides one need to learn to be thick face to maximise cashback from this stingy bank. Who care whether they get angry with you? Are they paying your bill? Are they giving you free money?

Just tell them got contest. Need to swipe 10x.

This post has been edited by Ramjade: Sep 12 2015, 09:57 PM

I will tell you why. Their FD promo never been higher than other bank.
If a bank is generous, they will not impose complicated T & c. The min 10xrm50 swip, 3 category limit, "bonus" mobile is to ensure people will have a hard time earning cashback although lowyat members have managed it. You tell me people who never join lowyat forum know to split their bill payment x10 via uobpayonline? The 10% CB is to encourage people to sign up for this card. When they find out that they don't qualify for CB. too late for them ( didn't swipe 10xrm50). Why have annual fees? Cause they need to make money.

So all in, you tell me that they are not stingy.

This post has been edited by Ramjade: Sep 13 2015, 08:35 AM

Well you need to look at the big picture. Why come out with 10xRM50 swipe? Why not just say minimum spending of RM500/month ?You tell me which is easier to reach. Anyway, each have its own say. So I think we should stop here.

What I am saying must maximise this cashback for this card since they want to make it complicated, challenge accepted.