how would our experience be relevant? the cash back u get will be based on your spending instead of others

highest effective cash back for small spender (dining, grocery, petrol which are likely to be the everyday spendings)
should probably look for other cards if u need to spend RM 1,000 in grocery, etc

edit: sorry, the highest should be HL wise, but limited to weekend & subject to annual fee

This post has been edited by 1mr3tard3d: Jun 28 2024, 10:15 AM

u mean UOB One?
depending on how u view it
if your average monthly cash back reached RM 30, RM 30 x 12 months - RM 120 - RM 25 = RM 215
u r still better off

however, i have no issue getting unconditional annual fee waiver so far even the usage is low

yes, it does

would have known the person to ask by searching
#13259

i thought it's pretty straightforward


with example as well

when I first applied, successfully using IC only as they retrieved EPF info
in contrast, other banks request for additional info even though the documents required was stated 'or' '/' and became 'and' instead

what's the offer from ringgitplus?
the annual fee waiver does not sound like a promo
because got it every year
yeah, just call the customer service number but won't reach a real person, pretty automated

quite likely to be March
been discussed previously
#14287

TNG reload with any CC will incur 1% fee
suppose u reload RM 1,000 with EVOL, u will receive RM 15 cash back but RM 10 being paid to TNG
if u have no other spendings

i wouldn't be surprised if the customer service gave incorrect information
last time was told by the customer service that ineligible to apply for both classic and platinum one card and it turned out to be incorrect

since there is a black & white, could always dispute later
now they might 'rectify' it

didn't notice they added the minimum spending for subsequent waiver
but from past experiences, annual fee waiver was relatively lenient
retention team might also come up with 3-year annual fee waiver counter offer
well, we shall see if that ceases

This post has been edited by 1mr3tard3d: Jun 3 2025, 03:24 AM

but my 'past experiences' was referred to pre-migration era
and i have been a customer of UOB only
but who knows if these will change in the coming days

i thought the interest will be charged in the following statement date

This post has been edited by 1mr3tard3d: Jun 5 2025, 12:38 PM

after reading your post, just realised that my annual fee also recurred in June

still as usual, waived without condition
certainly did not hit the minimum spend stated on the web

probably can't upgrade straightaway but could certainly apply new platinum card

however, i wouldn't do so for the annual fee waiver as i m still skeptical about the strict enforcement next year based on past experiences
will see whether it is in the past

possible if u r existing one basic cardholder
unlikely if not as it seems that Applications for ONE Classic Card are no longer accepted according to the website