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Credit Cards Credit Card v20, Post/Ask general questions here, Please read post 1-3 before posting, tq

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cybpsych
post Jan 17 2022, 10:58 AM

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QUOTE(YantoZyrus @ Jan 17 2022, 10:28 AM)
already had many cash back cards: pb visa signature, quantum affin duo, maybank barcelona.

Thinking to get one all purpose rewards card. Any suggestions?
Want to use as backup once the cashback cap is hit for other cards.
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follow template in post #2 here https://forum.lowyat.net/topic/4161836
cybpsych
post Jan 26 2022, 08:42 PM

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Kempen Rebat e-Dompet Untuk Kad Kredit-i Muslimah 2022 [ Bank Rakyat | T&Cs | FAQs ]

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cybpsych
post Jan 26 2022, 08:46 PM

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Cash Back Campaign for Visa Commercial Card (VCC) and Visa Business Card (VBC) (By Invitation Only) [ PBB | T&Cs ]

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cybpsych
post Feb 18 2022, 04:55 PM

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BNM allows online individual registrations for eCCRIS

BANK NEGARA Malaysia (BNM) allows new users to directly register for E-Central Credit Reference Information System (eCCRIS) online from Feb 18.

The central bank said individuals who have a MyKad and online facilities may register for the service at eccris.bnm.gov.my, without the need to walk into a BNM or Agensi Kaunseling dan Pengurusan Kredit (AKPK) office.

“To register for eCCRIS, individuals need to make a RM1 online transfer to a designated BNM account via internet banking, with the RM1 automatically refunded within two working days upon registration.

“This step allows for the identities of individuals to be confirmed digitally, taking away the need for physical verification,” it noted in a statement last Friday.

BNM’s deputy governor Marzunisham Omar said these enhancements make it more convenient and safer for individual users to register for eCCRIS and have access to their CCRIS reports, all from the comfort of their homes.

Meanwhile, companies and non-Malaysian individuals may still register as new users through eLINK at telelink.bnm.gov.my.

The public may visit bnm.gov.my/ccris for further information on CCRIS and eCCRIS, as well as contact BNMTELELINK at 1-300-88-5465 or 603-2174 1717 (overseas) or via the newly introduced Live Chat function at bnm.gov.my/livechat.
cybpsych
post Feb 23 2022, 04:35 PM

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QUOTE(whycanot323 @ Feb 23 2022, 11:16 AM)
need suggestions for optimize cashback.
going to pay RM5,500 at Best Denki (a shop like SenHeng)

i plan to :
M2C AMEX - RM1,000 : CB RM50
PB visa signature (no CB)
PB Quantum Master (no CB)
PIBB Visa Platinum (no CB)
SC JOP - RM2,235 (then i top up RM134 to TnG ewallet, pump 134 petrol) : CB RM40
Affin Duo - RM2,265 installment monthly for 1 year (to help in hitting RM3,000 card balance)

Any better suggestion?
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QUOTE(whycanot323 @ Feb 23 2022, 02:50 PM)
good input.
i will pay RM2,888 to earn RM38 cashback on 1st March.

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if you happen to change to ESH or TBM, StanChart got promo: RM100 instant rebate for 12mth 0% instalment

https://www.sc.com/my/promotions/mastercardipp/
cybpsych
post Feb 27 2022, 07:39 PM

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QUOTE(moneyd9 @ Feb 27 2022, 07:02 PM)
Looking for cashback credit card for all purpose ?

Which one recommend ?

currently have maybank 2platinum cards and maybank fc barcelona card
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post here https://forum.lowyat.net/topic/4161836

use template in post #2
cybpsych
post Mar 4 2022, 05:38 PM

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Lazada Campaign Offers Up To RM20 Discount For Mastercard World And World Elite Credit Cardholders

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cybpsych
post Mar 4 2022, 09:15 PM

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QUOTE(Ramjade @ Mar 4 2022, 09:06 PM)
Guys, just want to ask how to get cashback for paying cukai taksiran at Pejabat Tanah? Last time got PB card and Bigpay. Now no more. Any ideas?
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where/which municipal? have you tried their own portal (if any)? do they have payment kiosk? do they have their own app?

which pb cards you have?

This post has been edited by cybpsych: Mar 4 2022, 09:17 PM
cybpsych
post Mar 4 2022, 09:43 PM

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QUOTE(Ramjade @ Mar 4 2022, 09:35 PM)
Klang.
I think got payment kiosk.

These are the cards I have
PB Quantum visa, MasterCard
PB platinum visa-i
Maybank ikwan gold MasterCard
Maybank amex gold
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try ask counter or check kiosk if can accept TNG eWallet. then still got chance.

direct cc payment, no rewards.


alternative: pib visa > kiplepay wallet + visa prepaid card > pejabat tanah

This post has been edited by cybpsych: Mar 4 2022, 09:52 PM
cybpsych
post Mar 5 2022, 09:45 AM

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QUOTE(Ramjade @ Mar 5 2022, 07:03 AM)
Thank you. I don't think kiplepay they accept. Tng maybe. Need to check on Monday.
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kiplepay's visa card. as long as the merchant can accept visa, should be fine

also, PB platinum visa-i > bigpay > pay lor
cybpsych
post Mar 10 2022, 07:03 AM

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QUOTE(ZeneticX @ Mar 10 2022, 01:56 AM)
what would be the best cashback card for ewallet reloads + online transaction now since pbb master quantum no longer considers ewallet reloads for cashback?
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public islamic visa
affin duo
uob yolo
rhb shell
scb jop
cybpsych
post Mar 23 2022, 03:36 PM

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QUOTE(((Xa))0102 @ Mar 23 2022, 03:08 PM)
Any comments on Affin Duo Plus cards?

Newly launched, 3% cashback on contactless payment
Dealbreakers for me:
No more 3% on eWallet topup and eCommerce cashback on the Visa
No 3x points for petrol on the Mastercard
RM8k card balance instead of the normal Duo's RM3k

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not new

duo+ launched in Dec 2021 --- start reading here

duo+ = VS (cashback) + Mastercard (rewards)
cybpsych
post Mar 24 2022, 12:44 PM

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QUOTE(Ramjade @ Mar 24 2022, 12:24 PM)
Uob YOLO is based off first come first serve right?
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limited cb quota shared by all yolo users

yes, fcfs cb
cybpsych
post Apr 1 2022, 06:19 PM

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Bank Muamalat partners with Visa for Shariah-compliant credit cards

https://www.muamalat.com.my/consumer-bankin.../credit-card-i/

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cybpsych
post Apr 22 2022, 02:18 PM

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QUOTE(kimi0148 @ Apr 22 2022, 02:11 PM)
Greetings sifus, Does payment using CC to JagaApp considered online?
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logically yes. jagaapp has no physical presence for you to pay anyway
cybpsych
post May 1 2022, 08:13 AM

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Visa Commercial Card/ Business Card Cash Back Campaign [ PBB | T&Cs ]

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cybpsych
post May 23 2022, 11:51 AM

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QUOTE(stephvin @ May 22 2022, 04:39 PM)
Hello all, i would like to maximise cashback or points for hospital bill that costs about 30k. Any recommendations on which card is the best? Perhaps alliance visa signature since there is a 0.25%  or amex for 5x points?

Updated some calculations:
RM5000
Maybank Barcelona 1% cap at RM50 =RM50

Rm3000
Alliance signature 5% for 2k to 3k spent =rm150


RM22000
Maybank amex cash back gold 1% uncapped = rm220
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by spending RM3k with Alliance VS, you only get RM55.50 cashback. the cb is tiered.

1st RM1k is 0.05%
2nd RM1k is 0.50%
3rd RM1k is 5.00%
above RM3k, remaining is 0.25% (seems to be uncapped)


example, if cumulative spending....

RM3k, cb RM55.50
RM5k, cb RM60.50
RM10k, cb RM73.00
RM20k, cb RM98.00
RM30k, cb RM123.00
cybpsych
post May 29 2022, 05:34 PM

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QUOTE(erdingerbier @ May 29 2022, 05:29 PM)
Hi All, I got a question, for MBB and PBB credit card, if I swipe 1 transaction which more than 10k and hit the maximum cc limit, does the bank will allow the transaction to pass through ?
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what's the current available CL for each?
cybpsych
post May 31 2022, 02:03 PM

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QUOTE(H3artBreakKid @ May 31 2022, 02:00 PM)
hope they integrate it in the future

Setel actually did that but I think only specific petronas cash back cards got it  hmm.gif
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setel did it doesnt mean every vendor doing it the same

tng got quick payment, which trigger reload first, before payment.

from cc's point of view, it's only used for tng ewallet reload, not what services within


I have enabled Quick Payment feature in my eWallet. When my eWallet does not have enough balance to pay for my fuel amount, will the payment be deducted from my saved bank card? – Touch 'n Go eWallet Help Centre


suggest you try yourself to experiment the behavior. pump some small-ish amount but also big enough to trigger quick payment.
cybpsych
post Jun 4 2022, 07:50 PM

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QUOTE(Ramjade @ Jun 4 2022, 04:38 PM)
Any cards offer cashback for payment of insurance? Even 1% also ok (better than nothing)
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maybank fc barcelona 1%
affin duo

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