Aiyah Ramjade u r already a big player/sifu in investment why bother with this small money. From student to working graduate I have seen u progress tremendously in the last few years.

He is looking for something very academic.

Let me calculate back and see.

Never reject free money. Learn to maximise CB where possible with the least spending.

this is where u always missed the part of the real indirect benefits instead of cold hard numbers.

else 8xRM60 will just suffice for you. you don't ever lose a cent, you gain max cb. heck, you don't even pay more

this is just 1 week for 1 card that you're holding.

how about the remaining 3-4 weeks? oops!

If spend RM480 (RM60x8)
Cashback4U = RM50
5% of RM480 = Rm24
Total = RM74
Effective CB = 15.41667%

If spend RM60X8, RM60X3
Cashback4U = RM65
5% of RM600 = RM30
Total = RM95
Effective CB =14.39%

I think I will stick with RM480/month. No need greedy.

If you don't spend that much, no point topping up. Topup only what's needed. I don't game the system like withdraw cash using Bigpay.

diff ppl diff commitment diff spending behavior

I never withdrawal a cent from bigpay too.

you haven't reached the state where you have other commitments that requires spending.

how I wish I can be where you are now

so, comparison is irrelevant and always moot.

I never withdraw cash from Bigpay, but I need to do it soon, otherwise I can't continue the PB game...
Never reject free money. Maximise CB where possible with the least "spending".

This post has been edited by ClarenceT: Sep 4 2018, 07:51 PM

i guess that's the power of this forum.

ppl scare when they saw comment/post say will get banned.

should b okay if there's real spending

temptation of free cash

Actually I just got mine (sent to home) today and the hard paper that the card is attached to says it's already activated. I just need to set the PIN to start using it, which I already did via PBe the other day.

Hehe. I didn't even bother to check. A few moons ago, they asked me to apply and I turned them down. I don't really have use for them. Collect dust and have to clean every now and then somemore.

Saw the Shoppee voucher promo in July, then only I applied. The card I mentioned above is VS, which is not part of the promo. Asked for additional card since I do groceries alot and Quantum doesn't qualify for cashback.

This post has been edited by beLIEve: Sep 4 2018, 08:55 PM

Why not just reload BP and top up tng?

He is praising BP.
Read properly:

trying to save BP's credit card top up quota ma...

somebody reported my post above

This post has been edited by skty: Sep 4 2018, 09:32 PM

Dear sifus,
As I read from previous posts,
Understand that paying Unifi using payonline is eligibled for Spend Now 4 more promo,
But is payonline Standing Instruction applicable to this promo as well ?

TQ

This post has been edited by FatSeang: Sep 4 2018, 09:51 PM

From what I read, no. You need qualified transactions that use the One Time Password each time. Unify is qualified. TNB and Water are not. Govt bills also not qualified.

The intention of the campaign is to spend more. TNB, water, govt bills are expenses you cannot run away whether you like it or not, so it is not spending more.

This post has been edited by beLIEve: Sep 4 2018, 11:11 PM

yeeeeehaaaaa,

finally good news for my SST, Thx PBB! Very helpful CS

May I know how's the CS help you ?
Is it they wrongly charged the SST earlier ?
The CS that I spoke with insisted PBB correct and I need to pay for the SST though my card anniversary month is August

Cashback need to be compared with what you could get elsewhere. Even if you take away the RM30 (don't get it at all) just the Spend More 4 Cashback 10+% beats EVERY other card currently available in Malaysia.

Unless your monthly spending really only RM480 then understandable (some don't like withdraw BigPay).

But if you are also using some other card for any other type of transaction then you should maximize PBB campaign cashback AMOUNT, not percentage.