From majorarmstrong's chart, seems like getting rm28/rm1500 i.e. 1.87% is not too shabby, will target this and try to ask for AF waiver when time comes

This post has been edited by Sumofwhich: Jun 8 2019, 09:03 AM

should always calculate with the AF.

if got waiver, then it's a bonus.

Yes will just reload BP & Boost with rm1500 comes July.

If calculate with AF then 86/(1500×12) = 0.48% effective cashback and even lower when including SST

Any methods to change auto-billing to be 1st few days of the month?

This post has been edited by Sumofwhich: Jun 8 2019, 09:15 AM

What does that have to do with auto-billing? Frankly speaking I think you guys are reading the T&C wrong.

Why? Why must it be one the first week? Is it because of this clause?

If not posted in first week, it will just be included in the following month's statement.

Probably will affect on the first month of effective.

I plan to switch my auto bill insurance to JOP and my statement is 5th of the month. Probably will hit?

So jop spend on BP for RM1500 will still get rm28 right? Seems fine

As a matter of fact, there are MANY other cards better than JOP after the revision.

Cancel JOP as a sign of protest. Maybank took the blow when they revised and cut off their M2C AMEX weekend CB few years ago, limiting it to only dining CB. Many protested and they subsequently reverted back to the original weekend CB. We ought to teach these arrogant banks that customers are not to be fooled with.

I am going to meet my AmBank agent after lunch today to register my AmBank TRUE Visa. Thereafter I will be applying for UOB YOLO. Both of these cards can substitute my JOP so I won't have any worries. I'd rather pay 2 x SST to get RM910 in net profit. Previously with JOP the profit was RM995. So only a deficit of RM85 per year. It is bearable.

As cybpsych already answered in detail, I will skip these questions. Most of the credit cards take calendar month for CB computation.

from where or how u treat this bigpay is FPX?

That's the thing I understood as well. Not sure why so many are making a fuss out of it.

As I read it, basically it'll just hit if your auto-bill gets debited near the end of the month, which will have a probability of the posting date being delayed till the first week of the following month. If not, there's nothing for you to worry about.

I stand corrected if I got it wrong though.

I'm interested about this as well. I've never read anything about topping up BigPay being a FPX transaction.

Yup it is a mistake as I have posted right after a meeting yesterday

So top up 2300 for BP, petrol and insurance and internet auto billing to make up to 200 to get full rm60 cb

cybpsych Jordy
TQ for the clarification. Indeed it is calendar month, as the ATM withdrawal fees rebates also work the same.

One last q: The first-week grace period is only for transactions "spill-over" from previous month.
If I swipe a trx on first week and it also posted on the first week itself, don't think it is counted as previous month. Am I right ?

Yes, that is correct. The transaction has to be done on previous month, with a 7-days grace period for posting.

Wan to clarify on petrol:

Basically there's no specific mentioned which petrol and limit to when to pump to entitle CB right?
Then this lead to next Q: include TnG reload in the petrol station ???

From July onward, can divert RM200 petrol to this card as it enjoy 15% CB

Get LFC to replace JOP

rarely can find petrol station accept credit card for TnG topup

do you know what's FPX? bigpay don't go through internet banking. it uses other payment gateways. so how can be FPX?

technically can. the Petrol MCCs are similar to HLB Wise's where you get 10% cb for reload tng at petrol stations.

// Petrol spend is define as transaction with MCC of 5541 & 5542 //

more important is to find stations that doesnt impose surcharge.

This post has been edited by cybpsych: Jun 8 2019, 04:55 PM