Don't understand why need to wait till the final day or even last hour to pay off, unless you forgot or having liquidity issue. My practice is always 1-2 days before due. No need to risk the tiny bit of interest earned,

Spent RM2500 on BigPay and RM230 on Allianz auto debit premium. Gotten total RM60.

My Boost top up also tried 5 times all 0. Hardly have this. Yours is Boost or BP?

I didnt receive any OTP SMS, on Digi telco.

Nope. Then i went to check, i think they have changed the campaign, not so sure. Check this out bit.ly/ssp-my

If not mistaken, I think BigPay/Boost also considered as Online.

Yes, just that I will top up all into Boost/BigPay instead of Shopee/Lazada, will use other cards for additional rebate.


Yes, that's what I am planning to do. Auto-debit and Online spending status quo, only need to allocate spending on Petrol.

Didnt know that Setel credit has expiry date too, where can I check in the app? Thanks

Thanks for the info. Luckily I read your post here, I have credit expiring in 3-5 weeks.

Same here.
Worst case if cannot finish, buy items at Mesra shop and pay using Setel.

Technically it should be this way.

Anyone apply for 0% BT by SCB or not? And do you still get annual fee waiver with balance transfer outstanding?

Just to confirm, LFC's cash back for Jan 2021 already in right? I think I have redeemed earlier but want to confirm if it's Jan one.

Thank you.

Points to Cash not available only. I think only applicable for cards with reward points.

Shouldnt be. My current Citi card is my fourth application over the past 8 years. No issue reapply (last application in 2021) and I might cancel again this or next year, have been using it so far.

Any of your retail transactions fall under these categories?
Retail purchase excludes the following transactions:
Cash advances, cash withdrawals, charges for cash advance or cash withdrawals, annual fees, interest, finance charges, late payments fees, disputed transactions or any other form of service or miscellaneous fees charged by us;

Balances products including but not limited to Balance Transfers, Balance Transfers Plus, Cheque On Call, Cheque On Call Plus, Flexi On Payment, Flexi On Payment Plus, Flexi On Balance, Flexi On Balance Plus, Easy Payment Scheme (EPS);

Government service tax and other taxes imposed by law;

Government related transactions which include but are not limited to payment of rates, charges, fines to Governmental, statutory and judicial bodies;

Charity and organizations related transactions which include but are not limited to payment and contributions to charitable, non-profitable, community or social service organizations;

Transactions under Merchant Category Code (MCC) 8999 “Professional Services” which include but are not limited to Jompay transactions, FPX transactions, DuitNow QR transactions and Paypal transactions;

Casino transactions (transactions with MCC 7995/ 4829/ 6051).