You expect both VIP point and cash back for BigPay topup?

Not only Kuching.. many other states have the same thinking.. last time I asked whether I can wave, the boss told me to use PIN coz if paywave, how the merchant know whether the card u hold is belongs to u, n somemore we don allow them to hold the card.... so PIN is safer to avoid any dispute.. which I think is quite reasonable thinking..

0.2% is kinda little to be honest. There are better cash back cards than this?

I guess Boost no longer qualifies for Everyday Cashback... damn.. wasted my midnight efforts 

The PBB 0.5% BT  FOR 8 Months .....
Let';s say take RM10K ....pay RM50 fee ....
is it worth it to park the RM10K in OCBC-360 (3.6%) or Home loan 4.2%
or FD 3% ?

Utilities NOT excluded from online CB (5% QM / 6% VS), but normally excluded from campaigns (However, MasterCard is excluded from  most of PB's campaigns as well)

“Qualified Retail Transactions” shall include all local and overseas retail spending, online purchases and new Zero Interest Instalment Plan (ZIIP) full purchase amount (not monthly instalment) and excludes flexipay, balance
transfer, auto-debit, recurring payments, payments for utilities, direct marketing, insurance premiums, government related payments, payment cash, casino transaction, interest payments, late payment fees, finance
charges, annual fees, reversals, payment to charity(ies) and any form of service/ miscellaneous fees.

The Cash Back payment will be credited only into the Participant’s principal credit card account registered under this Promotion within 2 - 4 weeks after the end of each tracking month and shall be reflected in the Participant’s credit card statement, itemised under “Great Savings with More Cash Back – Month 1 to Month 3”.

https://www.pbebank.com/pdf/Promotions/tc_cashback-0620.aspx

The interest charge is correct.

You better pay everything immediately, next month u will have another finance charge for 1 day of the outstanding total if you pay by today
else u will get more if you wait till 1 day before due date to pay