I know FAQ says petrol over-the-counter not considered Petrol category, but does it fall into any of the other categories?

Spending more on expensive petrol to get rebate may not be a good idea. If you calculate you probably save more than 10% by using RON 95?


Actually no difference when you redeem it.

If you redeem today at RM1.60, you will get RMXXX worth of petrol.

If you redeem with higher price, you will also get RMXXX worth of petrol.

The key is that whenever you redeem it's cash value. If you didn't redeem you still have to pay the cash value. So no diff, best is use it as soon as you can to improve your cash flow (whether price high or low).

Except the case that paying with points doesn't earn you rebates. So if your card is not every day rebate then more worth it to use the card on the day which has rebate, but use the point on day which don't have to rebate. Not an issue for Wise.

Sigh.

Today I give you Smiles points 3000. You need to pump RM45 fuel. You can either spend 3000 points or RM45.

Next month RM1.80 per liter. You need to pump RM50 fuel. You can either use 3000 points and pay RM5 or pay RM50.

If you did points first and then cash later, you have spent 3000 points and RM50

If you did cash first and points later, you have spent 3000 points and RM50.

Both situations you spent the same thing and got the same thing. The points are directly exchanged for cash value.

Why both of you don't understand the cash value of the points?

When the price of petrol goes down, the exchange rate of points to cash does not change.

If I give you jave 3000 points for RM45 petrol now, is there any difference you use it to buy petrol now and later? Come give example again, let's say today is RM1/litre, tomorrow is RM2/litre.

Let's say you pump today 45 litres and tomorrow 45 litres.

Scenario 1:-
Use the points today (since today is cheap!). Tomorrow you will have to pay RM90 cash.

Scenario 2:-
Use RM45 cash today. Tomorrow you will have to top up RM45 cash while using those 3000 points.

In BOTH cases you have used RM90 and all your points. The points are directly worth cash, you get the SAME cash value no matter if you use them when price is low or high.

I'm sure your petrol bill is berkali-kali ganda ours?

Eh but I thought you would be using NGV not petrol? NGV also can use petron points etc ah (never looked at their stand before)?

Merchants are the one determining what MCCC to register. HLB determines which MCCC gets cashback, and for this card its already established. If TM starts charging under mobile MCCC then can get cash-back.

Agree!

Which is basically advertising to HLB that they're making the right choice =) they don't want you as customer to suck their money.

Haha so negative meh? Maybe they don't want to lose so many customers and wanna give us some sweets?

Unlikely, of course, but until its black and white announced no benefit if negative.

Use UOB and pay 10x sure can, do it now =)

But remember to check your email and make sure all transactions successful. I've had transactions fail before (likely due to accidentally type wrong verification code). Wasn't a big deal since I already crossed 10x, but if you're relying on it for 10x then can be very pain =)

Why would it?

Maxis and Digi both cannot. Only u mobile got that feature.

I think he did 20% (the raya codes) and then 5% from credit card.

Actually the 5% is applied to the 80% so its 24% =p

Check lalalaxx.com, there's currently a 30% voucher.

No need 10 swipes to be in category, but preferred to be that, otherwise you won't be getting 'actual' 10% cashback.

Example you give, you have (let's say) 5 transactions above RM50, total RM1k, in your categories, and another 5 on dining.

You get RM100 cashback, but you spent at least RM1250 (most likely more, dining where got exactly RM50 bill?) so your effective cashback is less. Not taking into account annual fees yet.

And so far first year always waive as a sign-up bonus, not a ringgitplus exckusive.

Split your groceries, and use another credit card to get MORE cashback on dining. A bit of mafan-ness only. Your 2x groceries split into 6x payment, so each time you go just split troller, or however you want.

If you get something with dining cashback of 3% (there's also 5% or 6% around) you earn additional RM15 from the dining of RM500.

Why you care whether the card is platinum or gold as long as benefits are there? Just jaga muka?

Currently service down till 19 July.

Any other way to pay TNB bill online? Don't really want to head to Nu Sentral... Any other groceries in Subang Jaya area for payment of TNB bill?

This post has been edited by LostAndFound: Jun 30 2016, 11:04 AM

Like PBB VS? I thought last I checked M2U can only pay using Maybank cards?

Wonder if can pay through Sam's, then? Not sure what they do on backend, suspect will be also online.

Which begs the question, assuming I will hit 10xRM50 anyway, will still got 10% cashback by paying the bill for this month at Kedai Tenaga right?