if 1 shot transaction, min 633.25 to hit max rm38 cb

if multiple transactions, total can be <633.25.

What's the best amount to topup to maximise Cashback for QMC (5% CB + Cashback4U promo)?
1. Reload RM480
2. Reload RM600
3. Reload RM960

For me, my calculation is RM480 is the sweet spot as you get max CB. Would to hear others comment.

You mean 1 statement month (4-5 Mondays)?
If yes, RM1920 / RM2400.

Thanks. I think I will proceed with my purchase using instalment then.

Yes one statement month. I want to maximise both 5% CB + Cashback4U promo (spend the least and get the max % of CB)

I guess RM1920/RM2400 (4/5 Mondays) would be the best if you have multiple cards,

maximize 50/480 = 10.42% campaign cashback
and also by including 24/480 = 5% monthly cashback,
in total, you get RM74 with RM480 spending, 74/480 = 15.42% cashback

This post has been edited by Sumofwhich: Sep 4 2018, 05:16 PM

Hi my application with public bank for quantum credit card got rejected and i was told by their customer service there is no way i can check the reason of rejection. If there anything i do to check?

Thanks

No way to check.
You only can get some hint from your CCRIS.

Nope no way, they wont disclose it even u demand to speak with management.

If you have loan such as PTPTN, chances are low

I see, thanks.

Hmm i have a combined housing loan, so my chances are even lower?

could be

If you are confident to win by just spending on BP... (But don't get addicted to BP)

Maximise CB amount, not effective CB %.

Without 5% online rebate, effective CB% is 8.3% (15/180, 25/300) or 10.4% (50/480), which is much better than CB % you get from M2 Amex, Ikhwan Petronas etc. So stop using the cards for a few months!
If you intend to withdraw from ATM, RM6 cost to withdraw RM3000, so cost per topup of RM60 is RM0.12. Don't gain from Online rebate doesn't mean you lose 5% (RM3). So you spend/invest RM0.36/RM0.60/RM0.96 to strike RM15/RM25/RM50. At your own risk!

This post has been edited by ClarenceT: Sep 4 2018, 06:10 PM

If you are willing to spend RM25, buy a comprehensive credit report (including CCRIS) at ctos.com.my.
Know your credit score and take the advice to improve your score.

What I want is the highest % for the least spend. I only topup BP and spend on essential (stuff which I need to pay for anyway). Less than RM1000/month of spending.

So what's the best amount to topup?
I calculated was RM480 (RM60x8). Am I wrong?

I have combine housing loan but i still pass for most of the applications except VS (Annual income not yet reach 80k)

Yes, each week RM480 but then don't forget to pay PBB on due date

Just settled mine but most money stucked in B** P** right now

Then RM660.
RM60X8, RM60X3 provided you spend RM660.

But if RM660, Already exceed the 5% CB FEATURE (since max spending on card to get RM30 = RM600) Won't that bring down the % CB?

You get RM15 extra!