Just out of curiousity, have you tried it personally? Doing it the other way

Cause I find the design real stupid if they did it this way. Like the other guy said, inconvenient...

CIMB Cash Rebate card does NOT have bonus points.

you only get cash rebate.

Not 2% as that is only applicablefor standing instruction.

You can try it out if you can get 5%. Though I doubt it.

you can only see your transactions one day after posting...

i should have tried it with my cimb CR last month.

Confirm right?

Thanks for the heads up. I think next time one can try this out with other online related cards. KLIA Transit/Ekspres should use the same platform. One can test it out as it could be the kiosk is actually online based, hence detected as online transaction.

fruitie you do use klia ekspres right??

i think i have answered way too many questions about this. I always advise against taking this.

1) it's expensive. RM0.60 per month for every RM100 is not cheap in insurance sense.
2) touch wood when someone dies, his credit card liability is usually written off unless the amount is significant to the bank. why? cause it's not worth the cost of engaging debt collectors or getting a lawyer to chase after your estate legally.

disabled or illness is a separate matter.

3) if you are not someone who owes the bank a lot of money and have no issue clearing your outstanding balance, again then you don't need it. you can use your money to clear off the debt. Don't need to rely on bank.

Yes, they can chase. It requires time and money. My point is They won't chase after meagre rm1000. Not worth effort. I did already mention significant amount. I dunno what is the threshold.

Correction abit.

4) posting date. Say you swipe on 27th posted on 29th, it will be counted towards next month's rebate. So, you max out your quota, you can swipe on the 27th/28th as long as you know it won't get posted on 28th...

If you read t&c thoroughly, aside from utilities, airlines and some other category, everything bought online usually should fall under the online category. Since no one has actually tried those 3 online store, nobody reported on the success/failure. I would guess one should entitle, but could be wrong. You can test it report it for the benefit of other ppl here too.

Update:

Called CS and confirmed. Zalora no cashback, tag under 'other retails'. only 0.2%.

Sadly...

Eligible for 5% rebate
BP Healthcare online @ http://shop.bphealthcare.com/

victorywp

I know in practical terms it doesn't really matter but actually maximum rebate can still go up to RM50 for grocery.

just that most ppl use up the 5% online hence allocation for petrol and/or grocery is in practical terms 'RM20 only'.

PS: i think email not important when supp cards are in one statement anyway.

and many other websites... now nett cash back drops to 4% for online...

at this rate, i'll think twice about using it to buy online unless i'm very very sure about the gateway or very sure it will give me rebate as online...

Posting date... there you go, 2 vs 1. Lol.

Btw, just reporting since many months have passed... I still dunno how this cimb works but I have been paying stmt balance minus cash rebate for the principal and supp card... for past few months. still no finance charge... initially I thought it was because my rebate amount no much usually less than 15.

But then, even when my supp card maxed out the rebate... rm30, I still haven't kena yet.

Ps: about a year ago I did kena finance charge for doing the same thing. It has not happened since then. Also, I ensure after rebate, my payment still exceed minimum payment.

anyone tried cimb via agoda app?

Well, from another point of view is that, late is late. The bank punya system just charge if late. Haha.

Didn't use it much but used on agoda on sunday, got my sms ytd... but transaction already posted on tuesday

I'm not sure about the rules of overlimit.

But, just because it's not statement date, doesn't mean you cannot pay now. You can REALLY pay now actually. Then it will not be negative, if you pay enough.

It's just that we usually only pay after statement date to maximise the number of days of the interest free period.

It is not difficult getting it waived usually especially when you have always paid on time. Just pay off the balance in full now before you call them.

This post has been edited by adele123: Feb 22 2017, 07:12 AM