started it with grabpay as well but after they changed their reward system i used up all my points and stopped using it already. now was looking into boost since that one is prolly the only one that gives good reward / fave but holy molly the cash back in fave is such a scam. 10% cashback but only for that same store.

been wanting to use CC but no applepay and also CC rewards are so trash compared to 1st world countries. its almost as if no one wants to change and stray away from using cash.

i really did try my very best to favor e-wallets in my payments. during the introduction phase when e-wallets were handing out discounts left & right, it was worth the hassle to do so. keyword here is 'hassle'.

With CC, I just take out my Visa and wave, transaction completed in less than 5 seconds. With E-Wallet, it's a 5 minute ordeal that goes something like this:

Me: You accept TnG?
Merchant: Yes.
Me: Ok, wait ya I find my app in my phone.
Me: Found it! Wait ya for my app to load.
Me: Ok loaded. Eh, how much again?
Merchant: RM45.90
Me: Oops not enuf balance, wait ah I top up.
Me: Ok done. Eh I scan or you scan?
Merchant: You scan.
Me: Ok, wa so many QR codes on display, scan which one?
Merchant: *points to the TnG QR Code*
Me: Ok. *Tries for a while* Eh why my phone cannot scan wan.
Merchant: You try put the phone further a bit.
Me: Ok can already. Eh why the merchant name different from your shop? *shows phone to merchant*
Merchant: Yea that is correct.
Me: Ok. Aya, how much again?
Merchant: RM45.90.
Me: Ok can scan already. Wait ah, screen loading.
Me: Ok can already. *shows phone to merchant*
Merchant: Ok thank you.

So yea, e-wallet still has a long way to go before it beats CC in terms of convenience. Besides that, I don't like the 'trap' of having balances in my e-wallet. It kinda encourages over-spending, no? "Aiya I still got RM9.50 in my wallet, alang alang we go buy Tealive la to finish up the balance."