that was SST 1.0 instead of GST

meh, there is RM 25 service tax...so RM 3025?

but first statement maximum cash back RM 50 only

+1, was compelled to change the password despite meeting the requirement, unless uppercase AND lowercase is mandatory
need to wait for the OTP cooldown if not meeting the requirement

the GST is still 6%
88.73/1,478.89
108.92/1815.3



law of economics
it would be of out of their mind to get something at 1,387.16 when other distributor is selling at 1,295.56, maintaining 10% margin

legislation
feel free to report the unethical businessman

****************************************
y r we even discussing this in a credit card thread

This post has been edited by 1mr3tard3d: Dec 5 2022, 05:58 PM

why not checking the official website for latest and detailed information instead?



you may get cash back above RM 50
but
1) previous balance must be RM 3,000 or above
AND
2) other spending category in addition to ewallet

so you will probably only receive RM 50 as your previous balance is below RM 3,000 (RM 2,000 + RM 600 - RM 50)

warning from TNG and possible blocking from reloading with credit card in the future

for duo+, that applies to transaction RM 250 or below
since it was reported that wave + pin would not be considered as contactless for this card

cash back for totally different categories

if u r new to bank, could apply for
cash on call > RM 5,160
or
balance transfer > RM 10,320

to increase your statement balance for 6 - 12 months
easy instalment would be viable too

i wouldn't consider the transfer of autobilling as useless unless the other credit card provides cash back
alternatively, just reload ewallet RM 1,407/1,107

if you have late payment perhaps?

was suggesting him to attain RM 50 cash back instead of RM 66.80
presuming his ewallet reload is for maxing out cash back instead of actual usage
since his recurring is RM 260 (RM 1,667 - RM 260)
or inclusive of online spending (RM 1,667 - RM 260 - RM 300)

why do you need RM 3,000 balance to get RM 50 cash back for next month?
yes, the RM 25 sst will be contributed towards the statement balance
assuming RM 50 cash rebate is your only credit transaction, no early payment or cancelled transaction, etc

quite confusing sentence
presume paying current month statement (yet to be issued), statement balance = RM 0 has no effect on current month cb
but the cb cap for the following month will be restricted to RM 50

This post has been edited by 1mr3tard3d: Jan 18 2023, 03:30 PM

the cash back will be credited based on the transaction instead of the instalment

the eiplan will only credit RM 166.67 to statement balance

yes, the understanding on the statement balance is correct

no, the cash back is based on the transaction instead of the EIP amount
i.e. RM 30 in the month you reload TNG but no cash back on the EIP instalment

the cash back would not have been RM 80 without the amount being transferred to EIP

you would still get cash back based on eligible spending for each month
but the maximum would be RM 30 in the following month your Public Bank BT deduct the balance because your previous balance will become negative?

This post has been edited by 1mr3tard3d: Jul 6 2023, 02:24 PM

no, the maximum is RM 50, inclusive of RM 30 cap for ewallet

This post has been edited by 1mr3tard3d: Aug 14 2023, 11:08 AM

wait for your update, joined in 2022
but i guess i will do nothing until they start charging annual fee as they may change policy from time to time
won't be a problem if the fees are shown in the statement
RM 75 is still manageable in my opinion

i believe u r referring to RM 250 instead of RM 150
but i m afraid no

waiting for your update
but i would still be holding pb quantum, 1% difference vs 2 cards, additional issuing bank, additional credit limit

his concern is probably whether it falls within the RM 30 cap

i suppose Affin would only pick up the reload into TNG e-wallet rather than what u spent (TNG auto-debit)?

This post has been edited by 1mr3tard3d: Nov 10 2023, 10:49 AM

your online transaction will be eligible for cash back for that month
but your statement balance will be reduced
EIP

have not encountered cc pledged with fd
but i think it's associated with the credit limit available
so perhaps request for lower credit limit?
could utilise the new-to-bank promotion, cash-on-call

it is strange though that they asked u to pledge FD in Affin Islamic for Duo+
i know there are Duo & Duo-i, but don't know if there is a Duo+-i

i m sorry, y do u need duo+ then?
maximising RM 50 cash back is not essential, RM 30 should do fine
however, BT/cash-on-call would be helpful to hit the statement balance
BT is deferring/prepaying/consolidating the payment of other credit cards amount, so u just focus on one account
BUT make sure that u r comfortable with the instalment amount

y do u need to get 2 credit cards in short period?