Yes, recommend to utilise this feature. It is really easy, the day receive the credit card statement, schedule the payment on the a day before Payment Due Date. It almost takes the same number of clicks as paying immediately.

Another way is to ask for Standing Instruction to Saving account to pay the credit card on Due date. But this is more work as I know, most banks require apply and submit forms for this.

Just to add, accidentally late payment by a day, is not that bad, might get charge RM10 late charge, and interest for 1 day is around 0.5%(RM5 if owe RM1000). Can call the bank to explain and they might waive it, as for the banks the 1 day interest is nothing for them, they rather retain you in the hope you will borrow more and cannot pay in future.

This post has been edited by kyleen: Jun 14 2024, 01:53 PM

No annual fee waiver is a huge turn off. It makes the effective cashback lower.

I think you have the 6k wrong, should be 9k.