Because of monthly capped amount, the system will calculate the total transaction amounts and total CB on 31/5 23:59:59 and posted on 1/6. You can view it on 2/6 morning (not too early).

Government related transaction!

That's holding company.
You deal with the subsidiary handling the government services.

If the "transaction date" of the reversal transaction is April, 2% CB, only +/- RM50 CB capped for May CB. ie CB of -RM44.
If the "transaction date" of the reversal transaction is May, 10% CB, +/- RM100 CB capped. ie CB of -RM100 (pay back to Maybank)

Based on my observations, I may be wrong, at your own risk.

I experienced before from Lazada, the reversal is not really a reversal of original transaction (both transactions same transaction date), but a new transaction with "credit" charge!

But Max CB for May transactions (>RM1000) is RM100 only, so it is likely RM100 (May transactions) - RM44 (April transactions).

You already got RM44 CB so it is fair you pay back RM44 to Maybank! So you shouldn't expect RM100 this month but only RM56 max.

Maybank's automated system is too smart, you may dispute the CB amount later and Maybank will be adjusting manually, at goodwill.

What is the transaction date and posting date of the refund transaction?

If the transaction date of refund is a May date, then CB will be negative RM100.

Then you can't use QRPay or MAE (eg 20% rebate in May/June) and play game (prizes at Roda Gempak).

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JPJ (Government)

This post has been edited by ClarenceT: May 18 2020, 03:10 PM


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Shopee

Workable in August 2019 doesn't mean workable in May 2020. At your own risk.

You may get 0% or 2% or 10% cashback, see how you interpret the T&C, some people here are risk takers so they will spend on 31/5 but the transaction will be posted in June.
So at your own risk.

If you spend at a merchant not using Maybank machine/gateway, eg Giant, Guardian, you can spend at anytime on 31/5 as the transaction will not be posted in the same day. If the merchant is using Maybank machine/gateway, it is possible the transaction will be posted on the same day, just like house cheque!

You are right.

But I may choose to spend in June instead of 31/5, there are 6000 winners in June to win RM50 (Every day is Cash Back Day campaign). If spend on 31/5, only Amex transactions left for the lucky draw in June.

SMS registration is required, so a lot of CC users are filtered out. I may have >50 tokens in June, so I am optimistic to be 1 of the 6000 winners. No pain no gain.

6000x2 prizes, not like other banks less than 1000 winners.
If 1000 prizes only, I won't bet!

Transaction posted on 1/6/2020?
If yes, June CB.

Shopee (retail) - Yes
ShopeePay (ewallet) - No