Hi ,

I need to purchase something online for 10k
Most cc I knew offers instalment at physical store
How do I go about with this ? Which cc offer online instalment purchase , at 0 percent interest ?
Don’t mind duration of 6 months , upwards of 12 months is okay too

If I don’t have the cc I could apply for it

Thanks !

Hi all, this is my list of currently held cards:-

Now I want to do a big swipe (Master/Visa only) of around 70k (ignore credit limit, that one can settle). Which card would give me the best rewards? Am I right to assume that OCBC 365 unlimited 0.5% would be the best? Would Public Bank points be worth more than 0.5%?

I can apply new card any time (and I do, when the gift is close to 4 digit value), so that's not a consideration. No real benefit to doing it just for one big purchase unless the spending itself gets rewards, otherwise why not just use one of my existing cards and then do balance transfer?

I wonder why is listing the cards an issue? Nothing hidden, I'm active in almost all the related threads, and there's no 'secret' card in this list. Also I think that list is pretty much the MVP list of cashback cards over the past 3 years or so in these forums.

For ewallet reload which is better? affin duo or public islamic visa?

if i holding others bank cc and want to apply for different bank cc what document need to summit ?

For cardholders earning RM36,000 per annum and less, the following would be applicable: Cardholders can only hold credit cards from a maximum of two issuers.
Existing cardholders who currently hold credit cards from more than two issuers are given up to the end of 2011 to select their preferred issuers.

For Affin DUO Cashback card, only contactless payment can get 3% cashabck ? If >RM250 and we key in PIN, then no cashback ?

Online payment say Shopee etc, allowed cashback ?

Read their TnC, but not too clear. Thanks !

Per below, refer to paywave, right ?

https://www.affinalways.com/storage/AffinAl...ric-TnC-ENG.pdf

Cash Back
• 3% cash back for contactless transactions
(transactions of RM250 and below) is capped at
RM100 per month with the following conditions:
- Up to RM100 for Cardmembers with
previous balance RM8,000 and above
- Up to RM50 for Cardmembers with previous
balance of below RM8,000

Just got the Affin CB card, still blur blur on it. Did not activate the Master card. Have to ask RM on it. She asked me to get the Affin Duo card, other than the Invikta card.

So the Duo Plus cards only for contactless payment ?

The Duo cards for :
3% cash back on e-Commerce/online, e-Wallet and auto-billing transactions. Contactless payment no CB ?

Not sure mine is which one, Duo or Duo Plus, has to confirm with Affin RM.

Which credit card got cashback when using online transactions

hi, sorry again if the following question been ask many times ...

my maybank credit card statement date is on every month 12 sept, payment due date is on 2 oct.
the question is i shud pay statement balance after the statement date out?
or i need to clear it before payment due date on 2 oct?
can i call cs to request change either statement balance or payment due date date?

thx for advice.

Now i'm having
PBB Ikhwan Visa and Affin Duo...

I'm looking for cards that will give Lounge access and possible online spend cashback .... free annual fee will be a big plus points.

Sifu-sifu sekalian, any good recommendation ?

Hi all sifus, anyone can recommend a good cashback credit card for retail + online purchases? I'm currently preparing for a baby so got a lot of things to swipe, wanna make full use of the CC.

Understand there's no one-super-balanced CC, what CC do you guys use to make the best bang out of your buck?

Currently I'm doing this (which I feel may not be the best):
- Standard Chartered: For online purchases & Shopee/Lazada/TNG top-up
- Citibank or HSBC: For everyday use cuz got up to RM50 cashback (but low percentage, only at 2%).
- UOB: For postpaid bills and petrol

Also, is cashback per month more worth it, or is it better to collect points (like Maybank AMEX) or air miles? In terms of value.

Thanks!

Hi Sifus,

Im currently looking for other cc to replace the PBB Quantum 2 cards.

Does Maybank Islamic MasterCard Ikhwan Platinum Card-i & AFFIN DUO Visa Cash Back a good option to consider?

so any mcc with 5411 is considered as grocery?

i couldnt find in the terms and conditions/website maybank stating the mcc 5411?

kindly provide the info please

Question: Got a new credit card this past August, cancelled another one last month, applied for another credit card this month that got rejected.

If I were to apply for a different credit card from a different bank, should I wait a few months before trying? TIA

I was surprised that I even got a third issuer's card this year. My per annum (as of last year) was more than RM36K.

Ah okay, maybe it's just the bank then, cos at the end of the day, it's still up to their discretion, kan?