u mean EzPay Plus?
haven't tried converting manually
usually select the instalment option when making payment at checkout in shopee/lazada

source: https://einz.my/lazada-installment-plan-11street-gemfive/

how did u come up with that interpretation

interest will be charged on any outstanding amount (statement balance - payment, if any) after due date
i.e. so long as u do not pay the statement balance in full on/before due date, u will be charged interest regardless of other behaviour
the conditions listed are the different interest rate charged
i.e. if u pay at least the minimum balance on/before due date for the immediately preceding 12 continuous months, the interest rate will be 15% p.a.

This post has been edited by 1mr3tard3d: Dec 22 2021, 10:42 AM

that is debatable
while u get access to airport lounge, travel insurance, less SST
trade off for RM 60 monthly cash back cap, cash back with contactless payment (which may cover more than dining or grocery)
could have stayed at 1667 or below instead

just to add, for certain banks such as Affin/RHB
you will need to register online/internet banking at the branch first for identity verification
so it might be a good idea to ask the customer service if u r collecting the card from the branch (Affin)

unable to allow standing instruction (recurring) on Public Bank to pay statement balance on certain date
(the standing instruction is more of a scheduled future transfer, which must input the amount and date every time )
did that with Maybank classic
not sure about other banks

nah, not talking about cross-bank standing instruction
my point is even Public Bank standing instruction itself is too much hassle
Maybank, on the other hand, used to

source
and yeah, just statement date +20 - 31 should cover all due date, won't earn a fortune for 2-3 days interest

by direct debit? card reader? ipay88?

then it should be considered online transaction
entitle to PBVS cash back?

it is the 10th according to:
FAQ 37
section C.
as the name suggest, still in process
short-handed perhaps

This post has been edited by 1mr3tard3d: Aug 24 2022, 09:50 AM

there's Public Islamic Platinum, higher effective rate at 4% but lower cap RM 30
there's also RHB Shell Visa, higher cap RM 50 with high spending requirement
so Affin Visa is probably alright

(who knows when is next TNC revision by which bank)

no idea but u may try CardTerus instead of reloading setel wallet?

topup with credit card within a month?
RM 5k, possible
RM 30k, no, unless u have a merchant qr to 'spend' and withdraw

no, RM5k is the highest transferable limit from credit card topup

should be higher for online banking, limited by wallet size / transfer / fpx limit

Maybank Islamic MasterCard Ikhwan Platinum Card-i is limited to petrol and grocery only, so might need other card to supplement
UOB One or Hong Leong Wise are more of all-rounder card

PBQV
Affin Duo+ unless u r able to schedule them on 1st of every month YOLO?

PBQM
PB Islamic Visa Platinum/Affin Duo?
but who knows when will be the next revision on TNC

please take note that it's actually duo and duo+
so they will come in 4 cards
apparently, might not be charged SST on the mastercard if unactivated but might be charged in the future

PB Islamic Visa provides higher effective rate 4% than 3%
but with lower cap at RM 30 instead of RM 50/RM 80
and no, recurring transaction is not entitled to cash back

low cc utilisation might actually boost your credit score
but applying with multiple banks simultaneously would suggest desperate for credit, which is red flag for them

yeah, thought so
applied PBB and Affin cc with EPF statement previously and yet, they requested for 3-month payslip

how is RM 200 going to be affected?
now u get RM RM 6 cash back, after revision you will still get RM 6

should be fine if the email address is mbbcardservices@maybank.com.my

that is too complicated
they just need to work like direct debit, where the credit card issuer is regarded as other merchants

why mastercard in particular?
if mainly lazada --> Maybank Islamic Amex

depending on the T&C
e.g. Maybank


but quite likely to be regarded as telecommunication transactions instead

no, only your statement balance of 400 will be due on 1 Nov
other outstanding balance will be payable in subsequent statement cycle when it becomes statement balance