Got RM5 today for "New PIN Card Cashback".

Promo and lots of supplementary cards in I'm guessing. Can really max out big time if you use strategically.

Wow! Just checked mine too.

Awesome 3,249.45 cashback from RM87k spend (but I have no idea how they calculate the final numbers). Generally I only use my monthly RM833 quota for VS cards (principals and supps) and RM1000 for WMC during the 8% promotion months. Think it must include BT as that's what I use my WMC for most of the time.

This post has been edited by lilsunflower: Jan 3 2017, 12:10 AM


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No cashback for BT.

Week 9 is in!

04 JAN 04 JAN (DGP) PB SWIPE CASH BACK - W9 10.00 CR

Oh man, what time did you swipe, and which payment channel? Hate that when it happens.

I don't sleep early either, but I do all my online shopping / bill payments on a Monday morning in the office to get over Monday blues haha. Once that's all done, then back to doing real work.

Yes you're right! Was scratching my head over calculations.The RM3k is just my 2 principal cards. My Excel didn't pick up the WMC promo cashback because its another line item from my VS cashback.

I only have 5 VS supps (applied later in the year, and changed to separate statement only after I learned from you haha - thanks!) so this year's CB from supps not very high.

I also got my Week 9 promo cashback despite a reversal from MPH (no stock). Was so annoyed when it happened because it was only RM24 but brought my Monday spending down to RM193. The refund was only processed in next statement though (this month) and my standard 6% cashback was reduced accordingly.

His MBB BT gave him excess credit in his principal CC. So he used that excess credit to offset his supp balances, and the remaining excess credit transferred to CASA.

He's not BTing from main to supp, just using excess credit in main to settle supp.

This is discussed in quite a lot of detail in previous posts. You may wish to search CASA to find out more.

I've not paid MBSA but as long as it's an online portal you should get your 6%.

So this should work:

http://www.mbsa.gov.my/en-my/Pages/bayaran_credit_card.aspx

Alternatively, can use Uob Pay online.

This post has been edited by lilsunflower: Jan 8 2017, 01:34 AM

A good strategy is to team up with your supps to hit your thresholds by Monday (sometimes Tuesday spend may qualify, but based on comments here, safer to do Monday).

Best way to maximise cashback is to spend within the RM833 standard 6% cashback quota for each card, while collectively working together to hit the promo thresholds each week.

For me the 6% dining, groceries and online, plus 0% BT makes it still a good deal.

Plus, AF auto waiver with 12 swipes.

Its my favourite and most flexible card.

This post has been edited by lilsunflower: Jan 8 2017, 04:12 PM

Yeh, that's the spirit

Its really handy for things that normally don't give cashback, like paying insurance, assessments, utilities and summons online etc.

Im going to submit another supplementary card app tomorrow to get the free kettle and let my youngest sibling use the 3x PPL access since I have other cards that allow me to use.

Not just AEON CC - Pos Online currently does not allow payments to ANY service providers via CC (only online banking available).

No indication of if and when CC functions will resume.

Yes, you're right. Good advice!

If you hold cards with AF, my suggested best practice is to keep a spreadsheet of all the dates when your annual fees are due (can find out easily by phoning CS) and any minimum spend requirements. This will avoid any nasty shocks, especially since some cards have AF of a few hundred.

I like to find out the specific date, because it gives me an indication of when I MUST stop using the card (if AF is non-waivable), and also, when they calculate the yearly minimum spending thresholds.

For example, my Citibank premier miles AF is due on 27 January, however, my annual insurance is charged to my card on 8 January. Based on the date on my card, I only know that the AF is some time in January. If the dates were reversed (i.e. AF due 8 Jan, insurance charged on 27 Jan) I would be in quite a bad situation if the AF turns out to be non-waivable.

I just applied for 2 new supplementary today (1 WMC and 1 VS) by email. Received one auto acknowledgement, and a couple of hours later, received a tailored acknowledgement saying applications forwarded to relevant department for processing.

Yes my husband is an expat without IC. Always use his passport for supp cards.

Applied another supp card on 6 Jan via email under the kettle promotion. Received approval notification just now. Pretty fast.