FPX is more like a Fund Transfer (from a bank account such as CASA, credit card account), not really a credit card payment transaction! You can't use a Visa/MasterCard Debit card to perform a FPX/Jompay transaction.

Card issuers give rebate/reward to credit card transactions only which they earn some fee. BTW the credit card transaction fee will be reduced again on 1/1/2021, so card issuers may reduce their benefits in coming weeks.

Maybank already fixed it.

I WhatsApp some merchants request for their merchant QR codes, so I can now make payments at home, without wasting time and fuel to swipe my credit/debit card and avoid face-to-face with the merchants.

4) try Shopee Bill Payment - Unifi. Pay via Shopee.

Look beyond credit card....

Can consider e-wallet... Boost, Grabpay, TNG Wallet, Gopayz Unionpay (eg spend RM30 to get RM5), ShopeePay (eg spend RM15 to get RM3), Zapp, Razerpay, Sarawak Pay, Fave/Favepay, Maybank QRPay/MAE, Duitnow QR from your savings account... Frankly speaking, I never use PB QV, HLB Wise, Maybank M2 Amex this month as payment by ewallet / QR can give me >5% savings.

This post has been edited by ClarenceT: Dec 18 2020, 12:05 PM

If you like Maybank CC, NEVER NEVER use Maybank2u online application. The automated Artificial Intelligence robot is too smart and too strict, apply at Maybank card centre (The Gardens / 1U) or branch, humans are more helpful and lenient.

Just to reconfirm... >RM240k is your personal and direct income in Malaysia, ie you will file Form B/BE 2020 by 30 April 2021 or 30 June 2021.

Haha, for high income group, there are 2 types of people, high flyers chasing for airmiles and spending a lot on travelling and fine-dining -> all kind of Visa Infinite CC including Maybank Premier CC / Visa Infinite (Note: Annual fee RM800, waived only if annual spend >RM80000);

Some people just like to earn cashback then you may end up having a lot of cashback credit cards (normally monthly cashback is capped at RM30/RM50/RM80, not unlimited) -> Maybank FC Barcelona Visa Signature (1% cashback for general use excluding Government, charities, e-wallets and utilites) or Maybank M2 Visa+Amex Platinum (if you aim for cashback, get Platinum instead of Premier).

Since you are banking with Maybank, apply your first CC at Maybank Card Centre (1Utama / The Gardens) or branch, don't use M2U Online Application or third-party referral service.

https://www.maybank2u.com.my/maybank2u/mala...ds_listing.page

There are some good cashback cards,
(1) Public Bank Visa Signature (online, groceries, dining and 2x free access to Plaza Premium Lounge) (you may add Quantum Visa and Quantum Mastercard as well - for online / paywave transactions)
www.pbebank.com
(2) Visa Duo Visa+Mastercard (Visa for Online / Direct Debit transactions)
www.affinbank.com.my
(3) RHB Visa Signature (online, entertainment, club, shopping and 5x free access to PPL)
www.rhbgroup.com
(4) Hong Leong Bank Essential, Wise etc.
www.hlb.com.my
(5) Standard Chartered Just-one Platinum, Liverpool Mastercard
sc.com/my

Also you may consider using e-wallets as well, the savings can be more than credit card rewards/rebate. Good for small amount transactions.

This post has been edited by ClarenceT: Dec 23 2020, 05:37 PM

Insurance (annual / monthly) payment - Yes.

I don't understand what you mean "instalments", if charged by the insurance company periodically (eg monthly) - then Yes.

If Maybank instalments, please check at Maybank FC Barcelona Thread.

Don't get it wrong, UP TO 56 days not 56 days...

Normally, 20 days (+2 or 3 days due to weekend / KL holiday or grace period, for some banks only) from statement date, + up to 1 month (28/29/30/31 days) for next statement, + 1 to 2 days for posting of transaction.

You can be rejected by Artificial Intelligence for unknown reasons, even you meet all the requirements.
Let humans check your applications, may request further clarification or documents to get the application approved. M2U A.I. don't talk to you, will give you a sorry note instead.

This post has been edited by ClarenceT: Jan 4 2021, 02:16 PM

Of course your NET rental income, anyway it is recorded in your Form B/BE 2019.

From your earlier comments at other threads, you are holding quite a lot of credit cards and ewallets, you are an expert already, you should have already got an answer!

(1) Maybank M2 Premier: Need to spend >RM80000 /year, otherwise Annual Fee RM800. Good only if the card user likes travelling. if a person likes only cash rebate, he/she must hold a few credit cards and ewallets to meet the above-mentioned consumptions.
(2) Government is paying very very little (MCC 9xxx) for credit card transactions, so don't waste time to look for a credit card giving reward/rebate to Government-related transactions (eg income tax, council tax etc). The best is to use M2 Premier, HLB Wise, RHB VS/WM, StanChart Just-One Platinum (Special note: Avoid Liverpool Mastercard), CIMB CC to meet monthly spending only, eg SC JOP: RM2100 Government + RM200 Online/ewallet + RM200 Petrol to get RM60 cashback. LHDN is charging +0.8% for CC transactions so avoid using a credit card to pay income tax or capital gain tax.

Some people (especially older generation and from well-to-do family) just don't like to hold too many CCs or credit facilities, they are more interested to make more money instead of looking for savings/rebate from CCs.

I am in the same dilemma.
CC rewards and rebates are not so important to them.

This post has been edited by ClarenceT: Jan 7 2021, 06:04 PM

PB VS - higher income requirement than PB Platinum/Quantum, cannot simply "ADD" card, need to apply (with application form and income documents).

Go ahead.

For online transaction, you need to use Great Eastern ePay.
Direct/Auto Debit is not online transaction.

You can pay online at Great Eastern ePay, with OTP verification.

You can use Bigpay Mastercard as you already earned CB from CC -> Bigpay.

Consider other e-wallets as well, eg you can use Boost, Grabpay, TNG wallet or ShopeePay to pay some cukai pintu bills at PAM @ Pos Malaysia (POS Automated Machine). Other channels including Razerpay in-app bill payment, Shopee in-app bill payment, TNG wallet in-app bill payment etc.

For Government bills under Sarawak Government, you can use SarawakPay to earn shake cashback.

RHB Visa Signature or World MasterCard: up to 2% capped at RM100/month