No Unifi / TM at posonline (should be same to PAM).

You can always pay Unifi account at Lazada and Airpay (Shopee Bill Payment). Max 5 payments to the same Unifi account in a calendar month. For Airpay transactions, -25% with Shopee Coins capped at 3000 coins per 24 hours (separate quota for Shopee transactions).

Also ekiosk at TM Points may still accept Amex (long time I don't use it). You can also pay at M2U to TM Technology to get 5% weekend CB (NO 8% CB for Ikhwan Amex).

This post has been edited by ClarenceT: Dec 3 2024, 10:48 AM

You have a credit line from Maybank Islamic already. If you do not have a credit line for Maybank (Conventional banking) CC, your application for M2 CC will likely be rejected!
Don't apply at M2U Online Application.

This post has been edited by ClarenceT: Dec 16 2024, 02:28 PM

Not sure if Jaya Grocer accept Duitnow QR or not.
Like Oriental Kopi, Ecoshop, the POS can display a pink Duitnow QR, then can use ShopeePay to scan and pay (but Shopee Coins not allowed, Spaylater not allowed)

Not all the billers.
Eg Sarawak Energy @ posonline - Yes
But TNB @ posonline - No.

I am paying RM120 per day (ShopeePay/Spaylater RM90 + 3000 coins). I check the outstanding balance (reducing) at Pay@KL App. Need a few days to update.

Last time every RM40/day could earn 300 Shopee Coins. Now no more.

This post has been edited by ClarenceT: Jan 14 2025, 10:11 AM

DBKL @ posonline
No charge for ShopeePay/Spaylater

Pay@KL App (Mobis)
Need a few days to update the outstanding balance.
You can print out the DBKL bill as well.

This post has been edited by ClarenceT: Jan 16 2025, 11:32 AM

You send by email, human will check through your documents.

You submit at M2U, the Artificial Intelligence check the documents. If your income is very high, the AI expect you to apply for premier card, can be rejected if you apply for low end cards.

Monthly fee 1.5%
But if you choose to pay in full in next Spaylater bill, it is waived (ie 0%) since January 2024.

No charge for DBKL @ posonline

You earned 5175 Treat points instead of RM50 Cashback.

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

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

Round down each transaction.

200-20 FCFS, still available this morning.

25/4 voucher -30% capped at -RM8
https://my.shp.ee/jLJtKVh

Not stackable.

This post has been edited by ClarenceT: Apr 28 2025, 02:25 PM

Oops confused with another POS -25% voucher (early April). Sorry miscalculated.

This post has been edited by ClarenceT: Apr 28 2025, 02:23 PM

Very straightforward.
You check the "Transaction Date" when posted.
If the "Transaction Date" is Friday, then you earn 5x Treatpoints.

Of course the transaction must be posted first then work out the Cashback/rewards based on transaction date/time recorded.

Most (not all) of local transactions ("MY") will be posted on the same day, doesn't matter the terminal/gateway is Maybank or any other banks. Because Maybank is Amex's exclusive partner in Malaysia.

Yes - Motortakaful.com (Etiqa Takaful)

Tune Protect accept Spaylater (then settled by Amex), but I bought Travel Insurance (not sure Car Insurance).