track manually and call cs to reconcile.

else activate new card on new month.

Oh thanks for the reminder, my card will expire in April but MBB already sent out a new card to me. I will activate it in March or something then. I'm also hoping it will not mess up my Apple Pay...

few pages back got ppl posting "messed up cb with new card activation"? can share which post(s)?


if worreid, can you wait for next month then only spend? if not...then track your transactions manually and tally them after next month's cb on 1 Feb. Call in to get bank/CS to recalculate the cb and they will do adjustment accordingly. give it 2-3 weeks to check.

Lol.... mixed up with Ikhwan 8%.... sigh

sorry posted in wrong thread

This post has been edited by MGM: Feb 3 2025, 03:47 PM

Anyone can advise what is the recommended time to make booking at Agoda website on Saturday in order to get 5% CB? Is early morning okay instead of midnight?

If not in urgent, can do it on Saturday night instead, by then it’s already weekend worldwide.

I'm thinking to use AMEX (5% CB) or PBB CC for this E-commerce campaign (Fri-Sun) to make the booking at Agoda.

Using PBB CC, would like to make sure the transaction day is Friday and want to secure a "spot" for the cashback so the earlier the better..

Not sure it is online or direct debit (then no CB for PB CC)
No need 3D/OTP verification.
Not "MY", can be SG, ES or other country code. So 1% Cross Border Fee for some credit cards (Maybank and PB not yet charge cross border fee). Avoid CIMB, HLB, Bigpay, SC.
The "Transaction Date" can be a later date, not always the date you give credit card details to Agoda, especially you choose to pay later.
I prefer RHB VS, because it is a Overseas transaction (not "MY").

This post has been edited by ClarenceT: Feb 6 2025, 10:49 AM

Oh! It could even be considered as a non-Ecommerce transaction? I thought as long as we perform transaction online then it is an E-commerce transaction...

I had no idea about this 1% cross border fee, shouldn't we just pay what we see at the final price stated? I am not planning to use Pay Later option since it might incur additional 5% fee (whatever fee it is) but pay now option. Does this makes any difference to the cross border fee?

This post has been edited by starry-starry: Feb 6 2025, 11:11 AM

Not all e-comm transaction are online, you may give credit card details to the merchant, they can charge/debit your credit card account later.

Cross Border Fee
https://forum.lowyat.net/topic/2519936

Eg you charge RM1000 to AGODA.COM SINGAPORE SG using CIMB CC, the transaction amount is RM1000, the billed amount is RM1010.
Maybank and PB don't charge 1% fee at this moment.

This post has been edited by ClarenceT: Feb 6 2025, 11:45 AM

yes, you PAY for what you see at the final price.... FOR THE MERCHANT you're dealing with only ... this is just the 1/2 of the relationship.

the other 1/2 of the relationship is with your ISSUING BANK, which is the one imposing additional fee for using their card (ie facility)

unfortunately, cardholder cannot decide how bank charges the fee. it's either you accept it (t&cs/fees/policies) or dont (cancel the card/facility with them)

Received a RM10 cash back for MBB CB 2024 Raya M1

same..what is this event ya?

me also get another rm10 cb for m2..same day credited.

thought the sifu will enlighten both of us

maybe google?



This post has been edited by cybpsych: Feb 7 2025, 07:38 AM

Hi,
I saw the main thread there is a way to pay SST using tp.
May I know if I need to fill both forms for each card? (Tp and membership form)?

Or is there another easier alternative to reach them out.

call bank

Anyone got latest merchant list for AMEX ya?
Nowadays I am using for petrol only.

Check here