First of all, any outstanding balance will have the following charge percentages, depending on the criteria:
15% p.a. (daily interest) - Cardholders who promptly settle their minimum payment due for 12 consecutive month
17% p.a. (daily interest) - Cardholders who promptly settle their minimum payment due for 10 months or more in a 12 month cycle; and
18% p.a. (daily interest) - Cardholders who do not fall within the above categories.

IINM, if you haven't promptly settle the minimum payment for 10 months and above, your interest would be 18% per annum, which translates to 1.5% per month, and from that 1.5% interest you get 10% rebate.

Secondly, nobody would actually be attracted to this feature unless you can't settle your outstanding or even minimum payment. Then again credit cards would not be useful for you and it would cause you to dig a deeper hole of debt. And this is also one of the ways banks make profit, as a smart consumer we should not let them take our hard-earned money

For Celcom, I'll for Auto Debit. 2% from CIMB and 5% from Celcom.

For Unifi, no 2% if you auto debit with TM. I guess based on TM/Streamyx bills.

Excuse me, I thought 2% CIMB CR + 2% Autopay