Turn on express travel on the card in the apply watch wallet, then no need to press any button

Using apple watch for Apply Pay is a great experience, I no longer need to take out my wallet or phone, just move the watch closer to payment terminal, wait for a beep sound than you are done!

I believe this is the best feature on Apple Watch, hopefully TnG card also can be integrated to Apple Wallet.

No need to double press if you enable express travel on the card in the wallet.

no, because I don't think it is secure, better double press before make payment.

No need to pray, it won't happen because iPhone users in Malaysia probably less than 20% of total mobile phone users.

I disagree, first of all, you need to unlock your iPhone or Apple Watch before you can use Apple Pay

Unlocking iPhone/Apple Watch requires FaceID/TouchID/passcode, anyone without going through these authentication methods will not be able to use Apple Pay.

Think of FaceID/TouchID/passcode like your credit card pin, that's why there is no limit cap for Apple Pay.

If TnG NFC card can be added as wallet and use express travel, it will be very nice, just like Japan suica card

I'm using SCB master card on Apple Watch 4, no issue since first day, never got transaction failed / not transaction history

The detection distance on Apple Watch 4 is great, it can perform transaction around 3=5cm, very convenient and ease of use, I supposed to cut my SC master card but since it can use Apple Pay, looks like I'm going to continue using it.

i don’t understand why need to use cimb credit card, if you want apple pay, just get hsbc, maybank, SCB card

nowadays it is damn easy to get credit card unless you are black listed.

this feature only opened to EU and north American due to antitrust laws. Apple was forced to open it.

unless Asian countries all impose same law to Apple, this greedy apple still want your money from your pocket.

Bank will transfer cost to us! if cannot transfer by other means, they don’t allow their customer to use apple pay.

who you don't see many local bank got apple pay?

BNM doesn’t allow banks to transfer any transaction fee to consumer.

if bank couldn't find a way to transfer cost to consumer or merchant, or they cannot make profit by just enabling apple pay, they wont enable it.

That is the reason why many banks don't offer apple pay because it has additional cost.

Some banks willing to absorb the additional costs simply they want you to spend more with apple pay, if you don't make enough transaction, they charge you annual fee.

remember, business always seeking profit, no one want to give free things.

Taobao is a good example, if you use apple pay, transaction fee is higher than using normal credit card. Taobao is in China and not under BNM governance, hence they can transfer cost to consumer.


This post has been edited by Kiding: Aug 16 2024, 08:19 PM

I didn't make it clear enough, bank will transfer cost to us “indirectly”, consumer pay the apple tax at the end.

agree with no difference consumer pay with or without apple pay (except taobao)

but bank would give 0.15% cut of transaction fee to apple, since bank get less profit, they will find way to make it up, who is the target bank going to make money, you guess.

HSBC and SCB credit cards charge me hefty annual fee if I don't spend enough in a year.

I can see those banks don't offer apple pay because they cant make it up by charging consumer hefty annual fee or cover their lost from consumer.

at the end, the wool comes from the sheep, thats what i want to say.

thats why i said consumer paid the indirect apple tax.
I use apple pay is because it is convenient when use watch to tap and pay, otherwise, wont use it at all.

use wise card oversea, best exchange rate! wise supports apple pay! even work for express mode in Japan suica transport card, just tap my apple watch for all mrt stations in Tokyo, super convenient!