U still can pay for unifi, digi, maxis or even use for online websites like Agoda, Airbnb, etc...

Boost can pay Unifi/Streamyx FYI
You can also use for Shell Pump

Please refer boost thread for more info

Sorry out of topic

maximizing cashback = reload all to boost app and grappay app. definitely max out the cashback.

maximize the spending, that's another story altogether.

we dont know WHAT you want to pay using amex, HOW MUCH is your spending using amex, WHERE you usually spend with amex.

your question is too general and only applies to you specifically. different people has different spending behavior and arrangement.

boost cant pay TNB.

but got black hat way to maxout

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.

think of it this way

use spaylater 0% to delay immediate payment temporarily, so that you can strategize to repay during weekend with m2c amex.

by doing so, you won't be burden by spending urge/needs (eg 1.1, 2.2, 3.3, etc special day promos) vs utilizing m2c amex cb.

don't understand what u trying to say about activation.

spaylater is a credit offer to you. subject to approval and certain credit limit.

for seller, up to them to enrol spaylater or not.

I haven't explored spaylater for offline merchants. only within shopee merchants.

last I tried with bhp x spaylater offer, I show qrcode for bhp to scan. then I can switch my payment option to spaylater.

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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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).