Looking at posonline list of payees https://www.posonline.com.my/ecommerce/New1/PaymentList.asp

I can see got Unifi. Getting charged 2.12% (2% plus 6% on the charge) is okay if you don't have better cashback for unifi.

I applied VOX but rejected, so currently I can't really get cashback for unifi unless using AEON Watami. In any case, based on hafizhans report I will test with RM50 payment first, see if really can kena 5%. Report end of the month la =)

EDIT: Oops minimum RM50, will test that

EDIT2:
Basic maths
Bill: RM50
Payment: RM51.06
Cashback: RM51.06 * 0.05 = RM2.55
Effective cashback: RM2.55 - RM1.06 = RM1.49
Effective cashback percentage: RM1.49 / RM50 = 2.98%

Still more worth it to use Watami unless I already maxed that out. Nvm will try, I think I will sure max Watami soon anyway.

This post has been edited by LostAndFound: Jan 2 2016, 02:55 AM

Shouldn't it be obvious? Prefer 5% (actually 2.9% after deduction) than 0.02%? Even if you're having the cheapest RM149+6% plan, RM2 rebate is still less than 2.9% cashback.


Sure will. Obviously will take a month to check though, unless there's a way for me to check earlier from online (don't wanna waste time/credit calling CS).

Anyone experienced paying by posonline but payment never actually goes through? Still shows 'pending transaction' for 2 weeks already. Confirm from unifi side bill never went through, and my CC never been charged either.

Yeah I just tried again and now this one went through.

Probably you are right, I have mistyped the card expiry date that's why previous transaction 'hang'. But surprised it still pending rather than fail.

Thank you very much sir.

Let's say you are paying the minimum Unifi amount (RM158). Autopay gives RM2 rebate and 0.2% if you use cash rebate, for a total of RM2.32 cash back

If posonline gives 5% (I haven't confirmed that, just trying for the first time, but based on previous postings I'm fairly confident it should) then you get charged 2.12% (2% charge plus GST). So your cashback will be 2.78%, or Rm4.39.

Of course, if you autopay using AEON Watami (3% cashback) would be better, but my Watami cashback looks likely to be maxed out regularly. Looking only at CIMB CR for this comparison.

It's lucky draw, so always got chance =) as with all such contests, don't purposely spend to get more points, and if you win its a blessing, otherwise no loss.

Okay I can confirm, CIMB Cash Rebate gives 5% for payonline payment of Unifi bill. Just received for my latest payment.

EDIT: Sorry, wrong info, I meant to type posonline, not payonline.

This post has been edited by LostAndFound: Feb 1 2016, 02:27 PM

MY BAD, it's PosOnline. Post too fast.

Payonline doesn't get, I tried that before. Posonline is the one that gets (but got 2% fee).

Sorry all

Yeah, my bad.

100% correct.

No you won't, but why are you doing it that way? If it's for discipline, then fine, but you do realize one of the benefits of CC (for disciplined users) is interest free loan?

Then just pay on the day you get your bill. You still have 20 days interest-free at that point. Your time is worth money as well, and trying to remember to transfer money to pay everytime you use the card is a drain on time.

Search this thread for Unifi.

Hint: Cannot.

I can confirm that myEG payments get 5%!

Actually i was expecting 0.2% but my Watami wasn't accepted, so since none of my cards really can get much better than 0.2% I just try.

Results, please check my maths:-
Other spending - RM544.48 (all confirmed 5%, things like Lazada, Qoo10, Zalora)
Insurance (myEG) payment - RM393.73
Cashback received - RM30 (exactly)

For me, that means must have gotten 5% to push my total cashback to exactly RM30. If get 0.2% my cashback should only be RM28 by my calculation.

victorywp add to OP?

This post has been edited by LostAndFound: Mar 2 2016, 08:48 AM

Yes. As I said all my spending is online 5% category (for the RM544.48)

RM28 is the total cashback including the 5% for my other purchases (if 0.2% for myEG). That's why I conclude myEG is 5%, because that's the only way my cashback would have become RM30.

Nah baca lagi sekali...

Not entitled. Only PosOnline can

If you preset RM50 and fill RM20 you donate RM30 to the next person pumping I guess =) don't dare to try

If you already got 3 CC approve, chance of rejection is quite high. Because banks will see you as desparate, applying many cards. But no harm to apply anyway, the only cost is time.

For me we should not be assuming bro (or sis) anyway. Online it doesn't matter (except in k I guess).

Oh, and maybank informed me freshcart is under Online MCCC, plan to try with CIMB CR.

Surely it gives 0.2%.... not the same as 0!