QUOTE(IceLeo @ Jul 28 2016, 11:34 AM)
When i read this, i feel funny.. u use RM985 to get 100 rebate and the offset RM15 consider saving??
it just make ur cash back become 10.438413361169% per month instead of 10%..
effectively 8.717428087986% rebate (after annual fee) instead of 8.58666666% if you use RM1000 a month..
I dont see where u save the RM180 by doing the RM985 method.. lol
Why not a saving? Or maybe my calculation sucks. It is pretty straightforward for me. Instead of spending RM 1000 per month to get RM 100, I only need to spend RM 985 and I get the same RM 100. So every month I save RM 15 (from my pocket) and one year, I save RM 180. No?

OK, I get you but to me the additional cash back's effectiveness is a saving for me because I don't need to spend additional RM 15 every month for the same cash back I will be getting.
Instead of spending RM 12000 per year to get RM 1200 cash back. I spend RM 11820 from my pocket per year to get RM 1200 cash back. That's already a difference of RM 180 there. I was saying a saving from my pocket, just as simple as that lo.
This post has been edited by fruitie: Jul 28 2016, 11:49 AM