Reading the past few comments, I don't understand how loading BigPay to the max on match days is considered abuse.

For me, loading BP has a huge advantage over normal spending as it gives me total flexibility over timing for purchases. Without BP, I would never have waited until a "sure win" match day to consolidate all my spending. Now, I can load 10k straight and spend as I like on whatever I like. School fees, condo management fees, medical bills, direct debits, insurance, paying for hotels or expensive meals. All these can't be timed solely according to match days, and many providers don't accept Amex. Plus, getting 5x TP on insurance, government, utilities and education is a great advantage.

So are you saying that many of you are NOT reloading BP at all? If so, how in the world are you managing to time all your expenses on winning match days, especially for those games with results near midnight?

Anyway, if MBB suddenly clamp down on BP and choose to award only 1 or 0 TP, then it shouldn't affect those of you who only use for normal spending, and life continues as it did before BP.

MBB and many other banks have been downgrading benefits since way before BP came into existence.

No point second guessing the bank. Just enjoy whatever we can while it lasts.

Silly question from me, but does this include TNB paid using MUVI on MBB portal (or do you use UOB Payonline / TNB app)? And insurance, do you mind sharing which service providers you use? I pay Pru and GE online, but currently doing the "load BP on matchday, pay online" as I was worried I wouldn't get the bonus points by paying direct.

THANK YOU! This is really really helpful to me.

One last silly question - does this mean that DBKL payment via UOB Payonline is also "telecommunications"? Loads of assessments due this month, and not enough BP quota to do pay all of them. If I can pay directly via UOB Payonline and still get the bonus, it would be absolutely fantastic. Sorry for all these n00b questions.

Thanks so much for all your input and suggestions. I will experiment with a small DBKL payment on UOB Payonline and share here whether it gets any TP (and how much).

Edit: OK, just paid RM10 DBKL on UOB Payonline. Will track TP movement and report.

This post has been edited by lilsunflower: Feb 1 2019, 11:33 AM

Sharing my experience, I just received my M2P in Jan 2019, with expiry dates in June (just like my FCB, M2Plat).

I got charged RM25 SST on both M2P on 1 Feb but my other cards have not been charged yet.

Based on this I think the staff advice is wrong....

From what I understand, it's only charged once per financial year (see MBB example). So I have been charged in Feb for FY19, and the next charge will be in June FY20.


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Yepp I read that, but it says subsequent year and "per year".

Update: Paid DBKL Cukai Pintu using MUVI via UOB Payonline, and confirm got 2x TP for this transaction. Looks like its not recorded as "Government" when paid via UOB PayOnline.

BP 10k quota not enough, and lots of assessments to pay in Feb. Save BP for those that can't be paid via other avenues (e.g. school fees, insurance).

Rather use direct spending (i.e. Amex first, VI on matchday) wherever possible.

Yepp - 100k++ CL is what they gave me a few years ago, when other banks were only giving me 30k.

Best cards for airmiles.

Then not worth it to keep if you have to pay the AF.

For me, I will keep as long as I can hit the 80k spending requirement.

I have lots of kids.

Insurance, school fees, medical bills, family holidays, tax, property management fees, utilities, property assessments. Very easy to hit.

This post has been edited by lilsunflower: Feb 14 2019, 04:26 PM

Assuming the card benefits and airmiles redemption rate remaine unchanged for 5 years

I pay my income tax using CC as the surcharge is only 0.8% and I can subsequently use balance transfer to spread my payments over 6/12 months.

Benefits for me are cashback / TP, and ability to 0% BT, while putting cash in FD and earning interest.

In general I always try to pay with CC and never cash, unless there is a significant surcharge.

Use MUVI to reload BP, then pay tax using BP.

I did this last year with my CB cards (before I had M2P), and loaded BP up to each card's maximum CB quota.

I've only owned my VI for one month, so not sure how much I'll be using going forward since I also have CB cards to load up BP.

Woohoo! I exhausted my Feb BP quota already as so many bills to pay early in the year. Looking forward to LFC match

Just checked my BP - no more extra quota this month.