How you get 4%? T & C mentioned as follows:
a) 6% Cash Back on Online Spending on all days (“Online Spend”); and
b) 3% Cash Back on Dining Spend on all days (“Dining Spend”).

read the tnc bro..

500-799.99 capped 20
800 and above capped 50

rm800 get you rm48
to get max rm50 is rm833.33
anything further will reduce your 6%

if u spend Rm800 eligeble online tx for 6%, it will be cash back RM48. u need to spend around RM834 to maximize cash back RM50. cos i no sure it will be round up or round down when calculate cash back

500-799.99 only 4%
which means vox is still better..

it is no really 4% as the spend might be online or dining.

the 4% u refer is like effective cash back whih u assume u spend only online

it is no really 4% as the spend might be online or dining.

the 4% u refer is like effective cash back whih u assume u spend only online

Effective cash back I guess chezzcake meant

Oh thanks a lot Bro. Wa 6% for online and 3% dining. Don't need to apply HL Mach liao, I can just use this 1. But need to hit 800 and above to get the 50 bucks cash rebate cap...so far that' what I've read. Will read more when I have time!

EDIT: Shit, I just went and apply for Vox last Saturday...the guy at booth didn't tell me about YOLO card. Now I wanna apply for YOLO card but I don't know what's the status of my Vox card. Gotta go call and ask.

EDIT 2: Wow 6%, not sure can be used with the same method previously: Other stuff paid with Aeon and PayOnline then pay using YOLO card

4% is not correct and misleading

for 500-799.99
should i change it to 4% or lesser?

Maybe they will offer you Yolo instead of VOX

It depends on type of spending and also amount, not fixed

hmm if i spent RM799 on steam

799x6% =47.94

but 799 is capped at RM20

there is no waiver for annual fee for YOLO? could not find at the website

Principal only 1st year waiver, supp card 2 years waiver.

YOLO card application link : http://www1.uob.com.my/personal/cards/cred...apply_yolo.html?

YOLO card :http://www1.uob.com.my/personal/cards/credit/yolo/index.html
TNC : http://www1.uob.com.my/assets/pdf/tnc/YoloCard-tnc-eng.pdf

Highlight :
1. The Online Spend shall include all online transactions with UOB YOLO Card (“Card”) including online
mobile bill payment to all major mobile service providers (Maxis, Digi, Celcom and U Mobile) with the
Card.

2. Max rebate RM 50

3. The Cash Back under this Programme shall not be awarded for the following transactions:
a) Insurance;
b) Balance Transfer;
c) Cash Advance;
d) Flexi-Credit Plans;
e) Easi Payment Plan purchases;
f) Recurring payments, auto-debit transactions and standing instructions;
g) 0% Interest-Free Installment Payment Plans;
h) Refunded, disputed, unauthorized or fraudulent retail transactions;
i) Top-up transactions;
j) Government transactions:
i. Alimony and child support;
ii. Fines by Court, government, state authorities or local authorities;
iii. Bail or bond payments;
iv. Payment of taxes to government; and
v. Payment to any government departments.
k) Alimony and child support;
l) Utilities bills;
m) Charity bodies;
n) Bill Payments (subject to Clause 2);
o) Petrol transactions;
p) Cash and cash-based transactions;
q) Telecommunications (subject to Clause 2);
r) Payment of annual card membership fees, interest payments, late payment fees, charges for
cash withdrawals, goods and services tax and any other form of service/miscellaneous fees using
the Card; and
s) Such other transactions as UOBM may determine from time to time.

Maybe for the fun out of it, I will call UOB CS to apply for this card. If for any reason, it is rejected I will wait till the day VOX is gone and I will request for conversion.