Dividend is not reflected in your EPF (for salaried worker), therefore not considered.
but with 99k, you should give it a try.

I had the exact same problem last week. At the end, I paid using M2U.

Try this: https://www.pbebank.com/forms/form-pb-card.aspx

compare the benefits between CIMB and PBB Visa Signature, you'll know why people are going for PBB VS.

Off topic abit, if you travel often, do consider Ambank WMC, free for life, too.

Different.

The latest PIN & Pay enabled chip cards were distributed just recently. I've got my new card last month.

I have CC without CASA also can create PBe account.

Read post #2 on instructions.

will only know when the statement is generated.

You can't find it because there is none.

one word of advice, those app that helps to remember your browser's field entries are good if there are some mundane repetitive data entries.

when it comes to credit card info, you would want to exercise diligence in safe guarding your card info for fraud prevention, after all it is our responsibilities in ensuring to whom those info are exposed to. No one knows what those apps done with your 'stored' information for sure.

Not necessary.

OTP is there for 'card not present' transactions, to verify that you are the real card owner.

As for the online transaction cashback, that depends on the merchant site that you used your card at.

Yup! i.e. 19Jul - 18Aug (posting date)

Hahaha! Dog eye see people down. Serve him right.

You may direct your question here - https://forum.lowyat.net/topic/3644347

auto debit is not 'online' transaction.

the keyword is, "separate statements", then you'll get 6% each.

yes

can.

supp card doesn't really need income requirement cause they are using your credit line.

those short codes will be considered as 'special number' and they are not internationally formatted.
in other words, the short codes only works in your own country.

I don't think it's related though. Cause come Jan 1st, all cards will mandate PIN.
In fact, some merchants told me they were asked to practice PIN and Pay from customer since June this year.