how can we pay Indah Water with credit card?

just approached by oub and standard chartered amoi last friday.
so they both ask me to fill both form
since they both very cute. cant resist to fill up the form and
got free cute 12k pbank and hot mug also.

they say both no annual fees and the cashback for oub seem nice.
as for SCB card.. she say just spend few petrol fill in 45 days and can get RM100+ cashback . anyone heard of this?

thank you for reply.

I did some basic calculation.

- Groceries $500 (PBB VS 6% = 30.00)
- Petrol $250 (AEON BIG 5% = 12.50)
- Maxis (mobile) $250 (PBB VS 6% = 15.00)
- Dining $100 (PBB VS 6% = 6.00)
- Insurance $600 (NIL)
- TNB $100 (Yolo 6% = 6.00)
- Syabas $50 (Yolo 6% = 3.00)
- Astro $100 (Yolo 6% = 6.00)
- TM Streamyx $60 (Yolo 6% = 3.60)

Total cash rebate = 82.10

If I use WISE, I can get RM100. After minus WISE annual fee 13.33/month, I can get net 86.67.
WISE give me higher cash rebate amount and easier for me to pay the CC debt to only 1 bank. Plus I can pump petrol whenever my car run out of fuel.

Any other combination can give me better cash rebate? I don't mind hard work a bit in order to get better rebate.

p/s: I am not sure YOLO treat utiltities bill as online bill payment and can get 6%? I just assume I can get the 6% and calculate the possible amount. Please correct me if got any YOLO expert here.

great eastern

Thats the issue now. I've spend more than 2k last Jan and should get the cashback yesterday but did not.

Actually I spend around 2.4k for Jan and my balance from Dec is 500 which is for deposit for hospital admission.

My insurance refund back the 500 on Jan so HLB consider my spending for Jan is only 1.9k.

Thus, basically saying whoever anticipating cashback 100 from last month should spend at least 2.1k and not 2k this month to qualify for cashback for next month.

Learned my lesson the hard way.

yup, need login.

either ask them to login umobile app, then u key in the cc details for payment.

or

try this >> https://store.u.com.my/en/home/public-prepaid-top-up

u can "top-up" to postpaid line actually. it works for umobile.

At the end, I reloaded from Lazada and earned some cash back using YOLO and CIMB CR.

Sure thing... even if they offer, I will still cancel it.

Still had the best Cashback for movies

Still use it for dining as well

My colleague just got his WISE card's annual fee waived. Before this, he called to waived or he will cancel the card. The customer service officer helped him appeal for waiving. My colleague just sent a photo of his  statement that the annual fee has been credited back to his account.

Every month I spend >RM1000 on Govt-related transactions and insurance (no other cards can give good cashback % on these transactions), another RM1000 on selected categories. My return is >8%. better than M2 Amex, Public VS.

i look at rebate amount...

no other combination of credit cards can give me RM100-(RM160/12) per month..

which other CC combination can beat WISE card for spending categories below?
- Groceries $500
- Petrol $250
- Maxis (mobile for all family members) $250
- Dining $100
- Insurance (Auto debit) $600
- TNB $100
- Syabas $50
- Astro $100
- TM Streamyx $60

IBFT works everyday, even weekends and PHs. avoid doing at midnight, some times maintenance, cannot verify recipient details, etc.

if payment due date (PDD) is 5th, payment received exactly on the 5th is considered within PDD. keyword is "by 5th" or "on or before 5th".

however, there is a hidden rule whereby a grace period of 1-2 days after PDD is still safe without incurring late penalty.

e.g.

IBFT on the 5th, received payment immediately. no issue.
IBG on the 5th, say after 5pm, payment received before 11am on the 6th. still safe.

most banks/cards, i usually pay within PDD + 1 to 2 days  no issue encountered.

Free IBFT for cc payment is until 31 Dec. Next year, no more free IBFT (unless new free IBG/IBFT promo), so IBG need to plan a bit so that it doesnt go over +2 days after PDD.

in short, determine WHEN you want the payment to be received, then plan backward to trigger the payment.

RM0.00 HLB: You're selected for 20% cashback on petrol, grocery & dining with min spend of RM200 from 1/4/18 till 8/4/18.T&Cs apply.More info@ www.hlb.com.my/pg

Yes. Received too . Is auto enrolled right? No need send any SMS?

Received too.
It's time to take out HLB card from drawer.

Why worry about Raya shopping when we’ve got you covered! 20% cash back on us exclusively at Giant outlets.
01 JUNE 2018 - 31 JULY 2018

Just spend a minimum of RM200 in a single receipt with Hong Leong Credit Card to be eligible. It’s that simple!

Month	Date	Monthly Cash Back Giveaway
1	1 June – 30 June 2018	RM50,000
2	1 July – 31 July 2018	RM50,000

Terms and Conditions: Payment must be made using Hong Leong Credit Card issued in Malaysia. Campaign period is from 1 June – 31 July 2018. SMS registration is not required for participation. Cardholders must spend a minimum of RM200 in a single receipt (“Eligible Cardholders”) to be eligible for 20% cash back. The cash back is capped at RM60 per month per cardholder throughout the campaign period, on a first-come, first-served basis. Maximum of RM100,000 cash back will be given throughout the campaign period. The cash back fulfilment will be credited into Eligible Cardholders’ Credit Card Accounts within eight (8) weeks after the campaign period. Only Eligible Cardholders will be notified upon the fulfilment. Picture shown is for illustration purposes only.

https://www.hlb.com.my/en/personal-banking/...edit-Debit-Card

Swipe Bigpay to get unlimited 7% CB~

https://www.hlb.com.my/en/personal-banking/...edit-Debit-Card

Swipe Bigpay to get unlimited 7% CB~

HLB CC 7/7-13/7.
Anyone find the max cap per cardholder and per day?
RM400000 FCFS?
There were some limits last year.

if hlb no mention in tnc, assume can swipe 10k on first day of 7/7, then swipe again on 8/7