Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Public Bank Credit Cards V3, PB Visa Sig 6% & Quantum 5% Cash Back
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 Feb 8 2018, 11:06 AM
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#1
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Senior Member
696 posts Joined: Feb 2008  
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I have a question on this: annual fee waived is subject to 12 swipes in the preceding 12 months.
Is it including monthly installment charge? Or i need to really swipe every month? I have installment charge which fully utilized 6% cash back (~RM700 per month) so i usually wont use the card for any other thing.  |
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Feb 8 2018, 11:31 AM
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#2
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Senior Member
696 posts Joined: Feb 2008
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QUOTE(ClarenceT @ Feb 8 2018, 11:21 AM) Very rare Dining or Groceries can have instalment payments! If you dont know, installment with 11st did get 6% rebate How they charge the instalments? By the merchant or arranged by the bank? Go to Petrol stations pump RM1 x 12 swipes!   I just want to know if that consider a swipe or not  |
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Feb 8 2018, 01:45 PM
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#3
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Senior Member
696 posts Joined: Feb 2008
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QUOTE(ClarenceT @ Feb 8 2018, 01:08 PM) Haha then you key in OTP once only or every month? Oh sad If you key in OTP once only, then it is only 1 retail transaction but payable in instalments.  Means i gonna kena Annual fees liao next year  |
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Feb 8 2018, 02:12 PM
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#4
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Senior Member
696 posts Joined: Feb 2008
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QUOTE(ClarenceT @ Feb 8 2018, 02:05 PM) Then go to pump petrol RM1 x 12 swipes or go to payonline to pay bills RM1.01 X 12 transactions! It needs to be consecutive months... I missed last month, didnt swipe any... |
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Feb 8 2018, 02:25 PM
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#5
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Senior Member
696 posts Joined: Feb 2008
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QUOTE(cybpsych @ Feb 8 2018, 02:18 PM) aiyor, read properly la. Oh nice 12x in a year, can be 12x in a day or 12x in a month or 1x every month. "preceeding 12 months" meaning every cycle of 12 months period, aka anniversary year! most ppl thought AF is by calendar year (1 Jan till 31 Dec), but it doesnt make sense if you gotten your new card in Dec, right? so, if approval in Nov, preceeding 12 months will end on Nov next year lor.  Thanks for the clarification  Sorry, my mistake  Then no problem liao, already way over 12x...  |
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