Need to deduct some "processing fee" aka commission, which is usually more than credit card exchange rate + charges

When I applied 2-3 years ago, somehow Maybank posted out under my wife name (supp card, to my working address).
Worst part, poslaju only allowed my wife to receive or collect the letter herself.
End up I have to wait for the next Saturday, and we purposely drove all the way to poslaju for collection (good that they are open on Sat).

That's the only experience in recent years where you have to receive the credit card in person.
Some credit card just throw into your mailbox, by normal post.

Will the TP reduced instead?

Oh, SSPN can pay with jompay...
A good way to use your credit card, for those who need to hit certain spending amount to waive AF

to reduce your income tax...
RM6k / year x 2 pax
RM12k CC usage done

https://www.ptptn.gov.my/jompay/
Key in IC and it will give you instruction
But I have yet to try making "payment"

Have you tried?
As long as you have biller code, you can always use M2U - Jompay to make payment.
Isn't that Jompay always pay by CC regardless of biller code?
Nevertheless, will try out later.

That's too bad
Thought of finding a "loophole" to guarantee achieve 80k for M2P

I believe "or renewed" is purposely added, probably after consulting bank representatives.
With the clause "or renewed", technically bank can charge us SST during our renewal with less than 12 months (following card expiry month).
This will give the bank more flexibility when dealing with SST.
Just my thought.

Wah, so many UTM (ex-)students here...
I had totally forgotten how I paid my school fees last time.
Deduction from ptptn??

UTM space should be their private wing, I guess likely fall under education.
Continue with BP is your best bet, else you try small amount with other cards as mentioned above.

It was TNG Wallet all this while till someone pointed out here.
Then changed to Ewallet.

Search for "refund" under this thread.
Some interesting discussion from last year (2-3 separate incidents).

Call CS, but due to mco, it might be very slow.
Perhaps asking here will get a faster reply.
Also can use search function.

All yes

Search around post back in end aug / early sept for detail.
Mbb may change the rules without notice too.

MUVI is a point / reward card.
Barcelona is a cash back card.
Both are under different categories and targeting different users.

Sorry to know that you redeem nothing after using for so long.
You can potentially redeem something worth more than 10k (or even 50k) with the points you had collected.
It is one of the best CC available if you are into points.

Yes, but make sure it is posted in May too.
Take note on those transaction on 30/31-May.

Oops, overlooked that one.
Still good for grocery (5TP) and during MU win.

For those entry level who would like into airmiles, you can pair this with KF Amex.
Nevertheless, now isn't a good time for airmiles

For RM600 refund, it is quite straightforward.
Maybank system auto generate net spending in May.
Assuming you spend RM1300, deduct refund RM600, net spend RM700, give you CB RM70.
Nevertheless, try to appeal from CS to deduct RM12 instead of RM60, do feedback us the outcome.

We are actually more interested in Victor's RM2200.
It is a good case study.
We would like to know whether need to spend RM3200 only entitled for max CB.

This post has been edited by charlesj: Jun 4 2020, 11:38 PM

Yes, you need to pay SST for item + SHIPPING above RM500.
Yup, RM500 is a very low amount.
Besides, there is a chart to determine your shipping cost (I can't remember the rate and lazy to dig).
Ie. RM500 item, min shipping cost is RM100 from USA, if your declared shipping is less than RM100, customs will "top up" for you and you need to pay more SST.
Worst for those getting free shipping, try to beg shipper to separate out shipping cost for you (but most of the time they won't entertain you).
Similarly, customs will just top up additional, ie. RM100 as shipping cost, regardless how you explain to them.

Bigpay is the best bet for now, no extra fee.
Ambank WMC is also known to charge only 1% (Maybank is charging 2.25%; Amex 2.5%)
Always pay in local currency (USD in your case, don't pay in MYR).
Visa or M/C, usually their rate is quite close without significant difference.
It is determined by how much the bank charge us.

Good timing for MBB to remove May/Aug 10% as the football season is not kicking off in Aug this year. Valid excuse for them. Haha.

I guess MBB is going to terminate their sponsorship / partnership with Barcelona soon. Shopee card suddenly leapfrog above Barcelona.