QUOTE(sadukarzz @ Jul 6 2020, 11:40 AM)
I would say if you use Shopee very often and don't mind paying RM25 per annum, then go for it.
If seldom use Shopee, and your FCB cashback does not reach monthly cap, then I'd say stick with FCB.
Pros:
- 1 more latest CC to brandish
- 1 extra source of point earning / cashback roughly averaging to about 2.x% depending on timeline / other factors
- Shopee might have extra discount codes for Shopee MBB CC holders during campaigns
***MIGHT MIGHT MIGHT have priority dispute case handling by Shopee CS???? THIS IS PURELY SPECULATION, WILL UPDATE IF TURNS OUT TO BE THE CASE
Cons:
- Shopee points may expire
- FCB cashback not fully utilised
- Extra avenue for you to bleed cash
- Extra RM25 per annum
- Extra stuff to do if card goes missing / extra card = extra chance of fraud
that's what i can think of right now
Additional points for those who are hesitating whether to apply:If seldom use Shopee, and your FCB cashback does not reach monthly cap, then I'd say stick with FCB.
Pros:
- 1 more latest CC to brandish
- 1 extra source of point earning / cashback roughly averaging to about 2.x% depending on timeline / other factors
- Shopee might have extra discount codes for Shopee MBB CC holders during campaigns
***MIGHT MIGHT MIGHT have priority dispute case handling by Shopee CS???? THIS IS PURELY SPECULATION, WILL UPDATE IF TURNS OUT TO BE THE CASE
Cons:
- Shopee points may expire
- FCB cashback not fully utilised
- Extra avenue for you to bleed cash
- Extra RM25 per annum
- Extra stuff to do if card goes missing / extra card = extra chance of fraud
that's what i can think of right now
I believe this card is only good for those who can spend average RM200 monthly on Shopee Mall / Preferred seller.
You can only redeem coins on these sellers, capped at 25% of the purchase value.
Monthly coins capped at 5000 from Shopee Card = RM50 (25% of RM200), excluding those you earned directly from shopee.
Of course it is better to spend on 28th / special day to utilize the 5%.
Else you get only 2%, which is equivalent to Barcelona card.
Shopee card is also useful for those who already max their Barcelona monthly CB, as well as Amex 5% weekend.
For Shopee heavy user, go for it.
Else, I will suggest to stick to your Amex and Barcelona.
For those who max the above (and other bank CB cards), this is another source to earn more CB in the form of shopee coins.
Jul 6 2020, 05:28 PM

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