You can use credit card to Jompay to some insurance companies but no CB/TP.

1x TP you mentioned most likely is using Maybank Visa/MasterCard. So far only Etiqa/Etiqa Takaful accept Amex. If you want 5% weekend CB, renew your insurance at www.motortakaful.com

This post has been edited by ClarenceT: Jan 8 2024, 12:49 PM

Jompay no CB/TP

Pay at Unifi @ Lazada App or @ Shopee App (Airpay) if you want 5% weekend CB.

This post has been edited by ClarenceT: Jan 8 2024, 02:00 PM

If renew road tax at JPJ, no CB/TP.

Depends on "Transaction Date" of credit transaction, if Mon-Fri, then deduct 5x TP instead of CB.

If Agoda/Booking reverse the original transaction (Sat/Sun), CB will be negative and capped at -RM50 (clawback).

This post has been edited by ClarenceT: Jan 9 2024, 11:47 AM

Travel insurance from credit cards cover your flight only.
If you want an insurance to cover your trip (eg medical, money loss etc) beyond the flight, you still need to buy a travel insurance.

You shouldn't use Maybank CC (personal) for business expenses. You don't comply T&C.
Get business credit card instead.

M2 Visa/MC/Amex doesn't require the transactions to be online for CB/rewards.
For M2 Amex, you can get 5% weekend CB for bill payment at M2U EXCEPT Government bodies, utilities and via Jompay/FPX. Only very few bills you can pay using Amex at M2U (not via Jompay).

Almost all the banks will not give CB/rewards for Jompay/FPX transactions.

This post has been edited by ClarenceT: Feb 27 2024, 08:16 PM

Spend RM1000 at Lazada/Shopee/AirAsia/MAS/Etiqa enough to cover RM25x2 SST.

This post has been edited by ClarenceT: Feb 28 2024, 07:30 AM

Can't redeem the Lazada-Petron Vouchers at Petron East Malaysia.

Should be: you pay to "Airpay Malaysia Sdn Bhd", not IWK.

Use SPaylater (Shopee Pay Later) to spend at offline merchants (Guardian, Big Pharmacy, Econsave, 99speedmart, NSK, Mydin, Giant, Cold Storage, Village Grocer, Mr DIY, Ecoshop, Ninso, HeroMarket, Lotus's, Shell, BHPetrol, Petron, Burger King, Secret Recipe, Marrybrown, A&W, Sushi King, KFC, PizzaHut, SenQ, Starbucks, Coffee Bean, Zus, emart24, CU, Mynews, Baskin Robbins, Domino's Pizza, KK Super Mart, FamilyMart etc). Anytime not limited to weekend.

The use AMEX to settle SPaylater debt on Sat/Sun.

Easily RM1000/month.

It is now FOC if you choose to fully settle in coming statement.
Normally I settle the unbilled balance in advance.

1.5% surcharge (now waived since January) but with 5% cashback, net ~3.5%. Not many other credit cards can offer you >3% cashback for normal retail spendings.

Most of the SPayLater/ShopeePay merchants: The cashiers scan your SPayLater/ShopeePay QR. If SPayLater, you need to confirm the number of instalments to complete the payment (FOC only if no instalment). Eg Mr DIY, Econsave, Ecoshop, Guardian.

There are some merchants you need to scan their Duitnow QR and pay. Eg Big Pharmacy.

There was 7 pages of SPayLater merchant list (>100 merchants) at Shopee App a few months ago (not available now). Mostly F&B and pharmacy.

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This post has been edited by ClarenceT: Mar 10 2024, 04:25 PM

Why not?
You go to petrol station, tell the cashier you want to pay by using ShopeePay (yes ShopeePay, not SPayLater, they only know ShopeePay). He has a device to scan your ShopeePay/SPayLater QR code. That's it.

You need to scan the merchant's QR that allows SPayLater.

Most of the merchant Duitnow QR that you scan won't allow SPayLater/ Grab Pay later / credit cards.

e.g. at Petrol station, the cashier use their E-wallet device to scan your ShopeePay/SPayLater code, it should work. If you scan the Duitnow QR plate, SPayLater will fail, then you need to use ShopeePay (wallet balance).

P/S: I can select SPayLater to scan merchant Duitnow QR to pay. If fails, then I choose Wallet Balance to proceed (ShopeePay).

This post has been edited by ClarenceT: Mar 10 2024, 04:49 PM


Attached thumbnail(s)

You can have 1 Spaylater account and billed monthly. The monthly bill includes all your Spaylater transaction, i.e. payments to Shopee orders and offline merchants. You can always pay Spaylater in advance before billed.

Yes - Airpay.

You can always pay FULL outstanding balance anytime before statement date (Click "Pay Early") You can't change the payment amount. Can have multiple payments in a month but always pay outstanding balance in full.

After statement date, you need to settle statement balance in full by the due date.

Always pay the STATEMENT BALANCE by the due date.
If M2U doesn't allow, use Cash Deposit Machine.

The refund or Negative value retail transaction is after statement date right?
Then you can't pay the statement balance in full, it will be rejected by M2U. So CDM is the channel to pay Statement Balance in full.

This post has been edited by ClarenceT: Mar 13 2024, 02:36 PM

You can't change the outstanding balance to "pay early" or the monthly bill amount.

Unless you spilt payments to the merchant.
Eg 1st payment to merchant RM1500
SPaylater Outstanding RM1500
Use Card 1 to settle RM1500.

Then 2nd payment to merchant RM500
Spaylater Outstanding RM500
Use Card 2 to settle RM500

This is how I used 4 credit cards to pay for RM3000 item a few weeks ago.

This post has been edited by ClarenceT: Mar 13 2024, 08:04 PM