Just do RM3080 anyway if want to get RM80 for next month, unless he/she only want RM50/month to maximize RM1666.67 3%

check YOUR PREVIOUS BALANCE, if < RM3k then max cb for current month is RM50, if >= RM3k then can get 3% max RM80
YOUR NEW BALANCE will be your next statement YOUR PREVIOUS BALANCE to determine whether you can get RM50 or RM80 for next statement

just spend one place, ew normally won't refund

this has been discussed almost one year ago.
read from around here: https://forum.lowyat.net/index.php?showtopi...#entry101004196

if u spent RM2667 + RM413 (BT/FPP) then you get 3% from RM2667, else if u spent RM3080 only 2.6%

Flexi Payment Plan

mbb, affin, ambank can save gas for SST rebate

yes for ntb, but there will be promo for existing as well
just wait as last year i also get another BT around Sep for existing

hopefully back before Sep this year

yup

no la, the RM15k will split into RM2500 for every month
so you will get RM2500 + RM2667 - RM80 balance every month for 6 months

got this card since Sep 2020 and they still offer 0% BT last year which i took on Sep 2021 as well
if no more offering might just spend RM3080 to get RM80

For me 2.597% is just a number
It's like u spend RM1667 to get RM50, will you spend another RM1413 to get another RM30?

Fast

I online submitted on 15/6 at their website with a lower amount RM32.8k thought my available limit is RM41k and Mr Badrul called me on next day and said that my available limit is over RM48k, so i can apply for RM38.4k

then on friday call me again to confirm my BT card number and on Monday 20/6 got the money credit into my HLB cc already.

no cb from BT instalment, u still need 3% from RM2667 to get RM80, the instalment amount just to give u advantage to get >= RM3k statement balance so that next month u can continue enjoy full 3% from RM2667 eligible spend

this is quite tricky, see the "example"
wonder what will happen with those statement date on 13/9 onwards

u should add duo 1st before cancel card, easier to add than apply fresh

RM3050 enough cos only can get RM50 cb on first month

u should say ur bill cycle is starting on 23rd of every month rather than 21st as your statement date is on 22nd
txn on 22nd won't post so fast and will be posted on or after 23rd, so definitely will appear in ur next statement
txn on 20th or 21st might posted on 22nd and hence ur cb won't be calculated on ur current statement and will be calculated on ur next statement, so just avoid 1-2 days before your statement date

wah each card is RM50 wor...

last time GST all cc charge RM50/card, doesn't care got AF or not

ok i saw news initially 2010 is RM50/card/year then 2015 become 6% of AF

but anyway GST is not good to end users like us, everything 6% from markup in the middle end up more expensive stuff as compare to SST

This post has been edited by tan_aniki: Dec 4 2022, 10:39 PM