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can use the above as general reference; some may be obsolete or revised.

do your homework at the respective bank website

This post has been edited by cybpsych: Jan 6 2022, 07:58 PM

because no one wants to become a responsible Topic Starter

cumulative

no reset or whatsoever

3x wave > pin reset > 3x wave > pin reset > and so on continuously

https://www.hlb.com.my/en/form/credit-card.html

last i tried, tnb deposit over-the-counter payment is using MCC 4900 (utilities)

you need some card(s) that doesnt exclude Utilities.

if TNB counter accept multiple payments, then better.... if not, a bit tough to find a suitable card to swipe 1.5k one-shot to get direct cb

example

1) affin VS - 3%, wave-only up to RM250 per transaction (any PIN entry will not valid, even started as wave). need to reset with pin after 3x wave. tedious to manage. if you have 2 affin VS, can do 6 times 2 cards x (250+250+250) = 1500

2) public bank quantum visa - 5%, wave-then-pin up to rm600 to get cb rm30 (capped). if you have mulitple quantum visa, can get something here

3) alliance VS


indirect maybe just to fulfill card cb requirements? like some cards need RM2.5k or 3k spending to eligible for cb, etc etc

This post has been edited by cybpsych: Mar 23 2022, 03:21 PM

follow template from post #2


in general, can get Affin Duo (3%) or Public Islamic Visa Plat (4%) or UOB Yolo (5%).

as usual, T&Cs applies

quiz: what features are for Duo+?

https://www.affinalways.com/en/affin-duo-plus

simple to compare

duo = online

duo+ = offline/contactless (physical wave the card on terminal)


contactless IS NOT online ya

but be mindful of this

duo = consist of 2 cards, cashback and rewards

duo+ = also consist of 2 cards, cashback and rewards


for both rewards cards, can choose not to activate it (without getting SST) .... for the time being ... we dont know how/when affin going to treat unactivated cards for long-term

and no, you cannot cancel either card. cancellation will be both cards.

above

pbb cards still good for tnb (not excluded anyway)

no need hope la

only card give cb: mbb grab -> grabpay only. even that, dont think as high as 3% return.

since your questions specific to uob cards, can do some search in UOB topic


one's cb can be any combination of categories, as long as meeting min monthly spend for each card type (basic or plat)

https://www.uob.com.my/web-resources/person...ard-tnc-eng.pdf




yolo's 200k is cb allocation for EVERYONE, hence it will be FCFS. also there is min monthly spend.

https://www.uob.com.my/web-resources/person...olo-tnc-eng.pdf

pay through M2U directly

keep PB VS to keep your credit line available
get Duo+
mix use between Duo+ for daily small usage and PB VS (>rm100, G.O.D. categories).

massive revision to PB conventional cashback cards

quite similar, and One's revision since 1 Aug would likely put in place due to future migration purposes.

not yet effective

announcement above

discuss more in scb topic

maxed out from real spending or cashing out?

might just leave some $$ in boost or tng ewallet and pay TNB bills from there lor

unless u pay company tnb bills with hundreds or thousands RM to pay


points card: maybe try cimb ecard. try read the features and exclusions.

redirect to proper topic here for you