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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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kslim888
post Aug 22 2025, 05:25 PM

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QUOTE(kslim888 @ Aug 15 2025, 02:57 AM)
Thanks for sharing which bills are able to be paid in the POS office OTC. Appreciate it. For the TNB and water bill, do we need to print it out and give it to the counter? Like Cukai Taksiran

I will be testing whether I can pay PTPTN and TIME internet once I receive the card

The 6 months 0% BT will always be ready to use, right? It's not like banks' promotion, like Maybank or RHB bank, only for a certain period
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Just went to the POS Office near my house, and asked to pay bills. Surprisingly, most of the bills can be paid after I ask over the counter

Most of the government bills will require you to bring a physical copy, as they need to send the bill to the local council
Other than that, they just need your Bill's account number, and then they can help make the payment

- Bills that can be paid over the counter
- Cukai Taksiran: Bring the physical copy bill
- Water bill: Recommend to bring the physical copy bill
- Cukai Petak: Bring the physical copy bill
- Indah Water
- TNB
- TIME: Need Invoice number
- PTPTN
- Road Tax and Car Insurance
- Celcom (Not sure other Telcos like Digi, Maxis, etc)

Didn't manage to ask Astro and Unifi since I did not subscribe. But I believe can be paid as well. I think they are using POS Online system, but with more options and payment methods to pay.

I also asked whether can I pay my life or medical Insurance. They say can also but its has to be co-branded with POS.
Example is https://ringgitplus.com/en/blog/term-life-i...rm0-14-day.html or https://insurance.pos.com.my/ can be paid via counter

I paid my PTPTN, Celcom and TIME Internet today by using Muamalat POS VI

This post has been edited by kslim888: Aug 22 2025, 05:32 PM
MGM
post Aug 22 2025, 07:06 PM

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QUOTE(kslim888 @ Aug 22 2025, 05:25 PM)
Just went to the POS Office near my house, and asked to pay bills. Surprisingly, most of the bills can be paid after I ask over the counter

Most of the government bills will require you to bring a physical copy, as they need to send the bill to the local council
Other than that, they just need your Bill's account number, and then they can help make the payment

- Bills that can be paid over the counter
    - Cukai Taksiran: Bring the physical copy bill
    - Water bill: Recommend to bring the physical copy bill
    - Cukai Petak: Bring the physical copy bill
    - Indah Water
    - TNB
    - TIME: Need Invoice number
    - PTPTN
    - Road Tax and Car Insurance
    - Celcom (Not sure other Telcos like Digi, Maxis, etc)

Didn't manage to ask Astro and Unifi since I did not subscribe. But I believe can be paid as well. I think they are using POS Online system, but with more options and payment methods to pay.

I also asked whether can I pay my life or medical Insurance. They say can also but its has to be co-branded with POS.
Example is https://ringgitplus.com/en/blog/term-life-i...rm0-14-day.html or https://insurance.pos.com.my/ can be paid via counter

I paid my PTPTN, Celcom and TIME Internet today by using Muamalat POS VI
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Your PTPTN is loan repayment or savings?
Haloperidol
post Aug 22 2025, 10:47 PM

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QUOTE(kslim888 @ Aug 22 2025, 05:25 PM)
Just went to the POS Office near my house, and asked to pay bills. Surprisingly, most of the bills can be paid after I ask over the counter

Most of the government bills will require you to bring a physical copy, as they need to send the bill to the local council
Other than that, they just need your Bill's account number, and then they can help make the payment

- Bills that can be paid over the counter
    - Cukai Taksiran: Bring the physical copy bill
    - Water bill: Recommend to bring the physical copy bill
    - Cukai Petak: Bring the physical copy bill
    - Indah Water
    - TNB
    - TIME: Need Invoice number
    - PTPTN
    - Road Tax and Car Insurance
    - Celcom (Not sure other Telcos like Digi, Maxis, etc)

Didn't manage to ask Astro and Unifi since I did not subscribe. But I believe can be paid as well. I think they are using POS Online system, but with more options and payment methods to pay.

I also asked whether can I pay my life or medical Insurance. They say can also but its has to be co-branded with POS.
Example is https://ringgitplus.com/en/blog/term-life-i...rm0-14-day.html or https://insurance.pos.com.my/ can be paid via counter

I paid my PTPTN, Celcom and TIME Internet today by using Muamalat POS VI
*
SSPN available as PTPTN payment ?
kslim888
post Aug 23 2025, 01:09 AM

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QUOTE(MGM @ Aug 22 2025, 07:06 PM)
Your PTPTN is loan repayment or savings?
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Loan repayment

QUOTE(Haloperidol @ Aug 22 2025, 10:47 PM)
SSPN available as PTPTN payment ?
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I'm not 100% sure, but SSPN should be available if it's on the same system
FuNks
post Aug 24 2025, 12:17 AM

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hi guys, any type of bank cc able to get instant transaction notification like maybank does?
eddievh
post Aug 24 2025, 01:40 PM

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QUOTE(FuNks @ Aug 24 2025, 12:17 AM)
hi guys, any type of bank cc able to get instant transaction notification like maybank does?
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Standard chartered can.
ideaplus
post Aug 24 2025, 01:43 PM

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QUOTE(FuNks @ Aug 24 2025, 12:17 AM)
hi guys, any type of bank cc able to get instant transaction notification like maybank does?
*
Aeon
1mr3tard3d
post Sep 4 2025, 06:38 PM

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QUOTE(AlexisStarZ @ Aug 29 2025, 11:55 PM)
I use spaylater then during weekend will paid using amex, pain 1k then easily can get RM 50 cashback

As for islamic amex, I though amex cashback is share between each other? correct me if I am wrong on this
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not what's written in the t&c
user posted image
then again, they didn't charge you sst on inactivated card so the t&c could be wrong too
jwgs0010
post Sep 7 2025, 05:18 PM

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QUOTE(kslim888 @ Aug 22 2025, 05:25 PM)
Just went to the POS Office near my house, and asked to pay bills. Surprisingly, most of the bills can be paid after I ask over the counter

Most of the government bills will require you to bring a physical copy, as they need to send the bill to the local council
Other than that, they just need your Bill's account number, and then they can help make the payment

- Bills that can be paid over the counter
    - Cukai Taksiran: Bring the physical copy bill
    - Water bill: Recommend to bring the physical copy bill
    - Cukai Petak: Bring the physical copy bill
    - Indah Water
    - TNB
    - TIME: Need Invoice number
    - PTPTN
    - Road Tax and Car Insurance
    - Celcom (Not sure other Telcos like Digi, Maxis, etc)

Didn't manage to ask Astro and Unifi since I did not subscribe. But I believe can be paid as well. I think they are using POS Online system, but with more options and payment methods to pay.

*
Customer service said whatever you can pay online you can pay over counter.
https://www.posonline.com.my/PosOnline.Web....tatic/NewList/4
Haloperidol
post Sep 7 2025, 07:26 PM

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QUOTE(jwgs0010 @ Sep 7 2025, 05:18 PM)
Customer service said whatever you can pay online you can pay over counter.
https://www.posonline.com.my/PosOnline.Web....tatic/NewList/4
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yes you can pay thru counter, but some of them didn't accept CC as payment
jwgs0010
post Sep 10 2025, 05:46 PM

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QUOTE(Haloperidol @ Sep 7 2025, 07:26 PM)
yes you can pay thru counter, but some of them didn't accept CC as payment
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Ah which? The cc said all can but sometimes system down then need other payment method..havent tested..
Haloperidol
post Sep 12 2025, 04:28 PM

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QUOTE(jwgs0010 @ Sep 10 2025, 05:46 PM)
Ah which? The cc said all can but sometimes system down then need other payment method..havent tested..
*
ur local POS branch allow Unifi to be pay by using CC ?
Try and see....

This post has been edited by Haloperidol: Sep 12 2025, 04:28 PM
jwgs0010
post Sep 14 2025, 04:07 PM

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QUOTE(Haloperidol @ Sep 12 2025, 04:28 PM)
ur local POS branch allow Unifi to be pay by using CC ?
Try and see....
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If i get the card i will ask. Their application form force u to accept 3rd party marketing ranting.gif
joice11
post Sep 14 2025, 05:59 PM

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QUOTE(yongs90 @ May 21 2025, 01:16 PM)
may i know which credit card can provide cashback for insurance payment?
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QUOTE(nexus2238 @ May 23 2025, 09:02 AM)
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
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may i confirm this bank islam visa platinum can get 3% cash back for online and auto billing, mean if i spend Rm400 on GE insurance auto debit and rm600 on lazada top up, i can get RM30 cash back right? if yes, plan to apply this card to replace RHB shell notworthy.gif
yongs90
post Sep 16 2025, 03:19 PM

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any other differences?
MBB FC Barcelona Visa Card
- 1% Cash Back for all purchases all year long and shall be capped at maximum of RM50 per month
- Cash Back will be awarded only when the accumulated Cash Back amount is not less than RM1.00.
- For avoidance of doubt, this means Cardmember is required to meet minimum monthly accumulative Eligible Spend of RM100
https://www.maybank2u.com.my/iwov-resources...reCBack_TNC.pdf


PB Quantum Visa Card
- 1% Cash Back on contactless transactions with minimum RM100 per transaction, capped at RM20 per monthly statement cycle

Excluded Transactions
Petrol (MCC 5541, 5542 & 5172)
Insurance / takaful (MCC 5960 & 6300)
Payments to charity (MCC 8398)

https://www.pbebank.com/media/rdvptenz/excl...ard-rewards.pdf

This post has been edited by yongs90: Sep 16 2025, 03:22 PM
ClarenceT
post Sep 16 2025, 04:03 PM

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QUOTE(yongs90 @ Sep 16 2025, 03:19 PM)
any other differences?
MBB FC Barcelona Visa Card
- 1% Cash Back for all purchases all year long and shall be capped at maximum of RM50 per month
- Cash Back will be awarded only when the accumulated Cash Back amount is not less than RM1.00.
- For avoidance of doubt, this means Cardmember is required to meet minimum monthly accumulative Eligible Spend of RM100
https://www.maybank2u.com.my/iwov-resources...reCBack_TNC.pdf
PB Quantum Visa Card
- 1% Cash Back on contactless transactions with minimum RM100 per transaction, capped at RM20 per monthly statement cycle

Excluded Transactions
Petrol (MCC 5541, 5542 & 5172)
Insurance / takaful (MCC 5960 & 6300)
Payments to charity (MCC 8398)

https://www.pbebank.com/media/rdvptenz/excl...ard-rewards.pdf
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FCB VS
Transaction < RM100 still give 1% CB

QV
Transaction must be >RM100
nexus2238
post Sep 17 2025, 02:58 PM

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QUOTE(joice11 @ Sep 14 2025, 05:59 PM)
may i confirm this bank islam visa platinum can get 3% cash back for online and auto billing, mean if i spend Rm400 on GE insurance auto debit and rm600 on lazada top up, i can get RM30 cash back right? if yes, plan to apply this card to replace RHB shell  notworthy.gif
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Since Bank Islam Visa Platinum is an Islamic card, I am not sure auto-debit for conventional insurance premium will go through. I haven't tried it.
Some Islamic cards only allow premium payment for Takaful to go through hmm.gif
cybpsych
post Sep 17 2025, 03:02 PM

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QUOTE(nexus2238 @ Sep 17 2025, 02:58 PM)

Some Islamic cards only allow premium payment for Takaful to go through  hmm.gif
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interesting, can share which islamic card? to which takaful?
ideaplus
post Sep 17 2025, 06:04 PM

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QUOTE(nexus2238 @ Sep 17 2025, 02:58 PM)
Since Bank Islam Visa Platinum is an Islamic card, I am not sure auto-debit for conventional insurance premium will go through. I haven't tried it.
Some Islamic cards only allow premium payment for Takaful to go through  hmm.gif
*
So far, my GE has no problem with the auto-debit, and yes, I'm not Muslim
adele123
post Sep 24 2025, 10:40 PM

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Btw, want to ask for general reference. When booking hotel using sites like trip.com, agoda, booking.com, there is book now, pay later option.

Would the pay later option still be considered as online transaction for credit card cash rebate or points rewards purposes? Trying to maximise the online benefit for credit cards.

This post has been edited by adele123: Sep 24 2025, 10:40 PM

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