you've misunderstood me.

That particular forum will allow you to express what are you looking for in a credit card based on the standard set of format put out.
Experts will be providing you advise to help you decide better which card to go for and maximized to your benefits.

ok noted sis, wonder why it's not captured as 5% .. as i will still charge on the card right..

Happened to me once. I called up and asked, then they investigated and manually give me another 4.8% rebate (originally 0.2%)

alright, will go and ask over there. thanks

so pay later is possible to get 5% then.. but quite troublesome maybe..

I wasn't 'pay later' then.

You pay only when you are in the hotel or will auto-charge to your card later?

there is few option,

pay direct,
pay later (charge to card)
pay later (pay at hotel)

i'm using pay direct.. i just wonder, u pay later referring to which one?

Pay at hotel.

ahaaa.. that one consider normal booking ..
no worries, im very particular about cash back, even the first time i don't know about capped RM30 for online transaction, i called up and ask for explanation..

Well, you just gotta be careful with CIMB Agoda thingy when comes to online transactions cash back.

IIRC -

Agoda will usually charge your card ( Regardless of pay later or pay now ) unless there state : Pay at Hotel.

I usually book through Agoda, only hotel that need to pay over at counter is Mandarin Oriental

The rest, Agoda collect the payment 1st.

So far, Agoda most reliable in getting 5% and occasionally 7% off and 5% back.

Booking.com usually more expensive and Expedia honestly sucks

So far my Agoda is booked via VOX and get shopback.
I'm just afraid I will miss out cash back from CIMB CR and it has this 0.8% border charges.

CIMB weakness is you have to follow up.

Every month I draw an excel table and calculate

So far, CIMB did not "makan" my 5% CB.

agoda will always charge your card, unless they go through their sister company (booking.com) for your booking at mandarin oriental.

Mandarin Oriental is pay over the counter.

Agoda won't charge your card.

I remember last time, they did not charge my card.

booked a connecting flights at gotogate and been charged cross border fee...

i mean it's nothing to do with the hotel. it's agoda go through booking.com to reserve the room for you. it happens to me many times already. sometimes when agoda doesn't have rooms anymore, it will link to booking.com for your reservation. you won't be able to print your receipt like usual and you will need to pay after checkout.

This 'checkout' is online booking checkout or physical hotel checkout?
if hotel, my case was to pay when I checked in.

physical hotel checkout. i believe that pay upon check in is due to the hotel policy not booking.com? some hotels did require me to pay upon check in.