Petrol and grocery

Pay for normal statement balance LESS RM23 at m2u Bill payment 1 weekend before the statement date. You will get -Rm2 on the next statement.

Unifi or Steamyx.
Only above RM 20 will give you RM 2 discount for auto debiting.
Same goes to TIME (RM 2) off) and Celcom (5% off)!
Check with your service provider.

Ya at least RM20 in the bill so that next auto debit will charge you the amount at least RM20. Rm2 rebate is reflected only in next bill. So next bill make sure you have add in rm2, ie at least rm22 off ur normal monthly bill (gst counted as bill).

For celcom it is not. 5% rebate is given on what amount is auto debit only.

Direct Debit will not occur on a weekend (Sat/Sun), usually a few days after the statement is issued! (I assume it is manually done during weekday)

It may not be so easy to know the next statement amount in this few months transition period, due to adjustment of GST and SST, change of package, turbo scheme.

Not everyone can fully understand how the direct debit rebate work, so I make your life easier, I suggested you to pay [statement amount less RM23] 1-2 weekend before statement date. (You get 5-15 sen less only)

At your own risk, you may play with -RM20.05 for the first direct debit, -RM22.05 (before direct debit rebate) for the subsequent bills, but you may have a chance getting a bill <RM20 then you lose -RM2.

Use m2u bill payment - TM / Unifi, you will get a thank-you SMS from TM a few hours later.
Most of the time I pre-pay on the last Sat/Sun of the previous month, if I have unused weekend quota.

yes.

below is a guideline. assuming your unifi bill date is 10th, then you pre-pay the last Sat/Sun before upcoming bill date...

Not needed. Even UniFi does not have minimum amount for direct debit to go thru, the minimum of RM20 is for u to get the Autopay rebate.