Firstly, how do you understand that from what you posted? That is talking about e-invoice for the cashback (which is a transaction where the banks pay us).

Secondly, anything you transact using a credit card is already tracked by the bank, and they are NOT hiding that trail from the government. Don't want government to know, use cash.

Third, what exactly is your concern with 'gov having first hand info on our spendings'?

For physical contactless big spending, is MBB amex gold unlimited 1% cashback still recommended in 2025?

For private hospital, is there any CC with cashback ? Need to pay hospital bills soon.

problem is whether they accept amex or not

Yes yes for some they accept. for those that dont accept, any alternative for Visa/Master for instore contactless?
thanks!

Yes, it is e-invoice for cashback paid to cardholders and i had no issue with that. However, the statement "which includes the amount owing by cardholders as well as payment / credit to cardholders" stated more than that. If my understanding is not wrong, bank are require to include the outstanding balance cardholders owe to bank in the e-invoice as well, not only cashback.

Of course, all the transactions performed using credit card are traceable. But for me, most of my credit card transaction are to top up ewallet for the cashback or campaign cashback and with cards from multiple banks, my total "spendings" with credit card exceed my salary. With these records (total spending > salary), I can foresee every year will trigger audit from LHDN. Even though I can explain and show the records but who would like the hassle of having yearly audit with them.

And yes, I will start to reduce top up into ewallet. Credit card for actual spending only.

This post has been edited by 1hoohoo1: Mar 17 2025, 02:37 PM

Not entirely sure what your concern is - none of these amounts are opaque to government or LHDN even before this. It is cash spending which generally triggers LHDN, precisely because of non traceability. I would say there are plenty of spend>salary people in these forums, and there's no indication this is a reason for LHDN audit.

Of course, since less competition for CC campaign cashback means higher chance for the rest of us, please do feel free to reduce spend so that you can sleep well at night (this is more important than a few more ringgit cashback).

On the subject of eInvoicing, member - do you have in depth knowledge of how eInvoicing works as you raise this subject here in this forum ? (e.g Detailed eInvoice, consolidated eInvoicing, etc) FI regular reporting system to BNM, etc.

Clarity and accuracy of the information shared is crucial least raising unnecessary panic and anxiety among members. And there's nothing to hide if everything is in order with LHDN.

This post has been edited by hye: Mar 18 2025, 09:48 PM

Hi everyone, I accidentally booked a hotel room on Agoda using my credit card, but I chose the wrong date. The booking is marked as non-refundable. Is it possible to ask my bank to cancel or reverse the transaction, or is that not allowed in this case? Has anyone had experience with this?

Thanks in advance!

Nope not possible your mistake you bear the consequence

guess u can liaise with Agoda/ Hotel that u would like to change date, sometime they can do it for u...

Have you successfully do this yourself in the past ? Please provide more details if you have.

What kind of details required? Just contact Agoda CS or hotel directly. If the new date is not peak period and still have room, Agoda will help u to liaise with the hotel or u think u have more negotiation power, then u liaise direct with hotel.. depend how u talk nicely to the hotel..

may i know which credit card can provide cashback for insurance payment?

Maybank M2Amex (Etiqa Takaful)
Maybank Islamic Amex-i (Etiqa Takaful - Online transaction only)
Maybank FC Barcelona VS (PIN entry, Contactless, Online, Direct Debit)
RHB VS (Online only)
RHB Shell Visa (Online only)
Affin Duo Visa (Online only)

This post has been edited by ClarenceT: May 21 2025, 01:51 PM

Bank Islam Visa Platinum - I (Auto Debit - Great Eastern)

may i know which credit card can provide cashback for grocery?
UOB One Card
Maybank FC Barcelona
Hong Leong Bank Wise (weekends only for higher cashback)
Public Bank Quantum Visa (RM100 and above)


Please provide suggestions other than above listed

This post has been edited by yongs90: May 22 2025, 11:16 PM

Maybank FCB VS 1%
HLB Wise 0.5% (Mon-Fri) / 10% (Sat-Sun) but rounded to nearest RM.
PB QV 1% Paywave only
RHB Shell Visa 1%/2%/5% subject to monthly spendings

Affin DUO+ - 3% cb, as long as it is contactless (ie <RM250 without keying in pin)
Bank Islam Visa Platinum-i - 3% cb, min spend RM500 per calendar month

Affin Duo also give cashback for auto billing