not if tomorrow 16/11 is your statement date

They need an app.

I think they are referring to mobile website.

I tried to call for SST waiver, the CS answered me impatiently: "Sir, SST cannot be waived". Haha, ok la..because of your RM80 rebate..

oh 
i doublepaid my CC .. the due date on weekend and i ter-set an IBG, had to do another instant transfer
i guess this month i jus  have rm50 max

Received but always deleted them right after downloading 

Haha thanks! Gonna save this in notepad.

I am kinda cautious keeping emails from banks, especially after my phone got pickpocketed last time. Email containing statements will be deleted and removed from trash can as well.

Just a bit confusing how to get Max RM80 cash back, is it every month i need spend RM3k++ for visa credit card in order can get max cash back?

3% Cash Back* with AFFIN DUO Visa Cash Back

    e-Commerce/Online Transactions
    eWallet Reloads/Transactions
    Auto-Billing

Cash back is capped at up to RM80 per month with following Previous Balance in AFFIN DUO Visa Cash Back credit card statement:

    Up to RM80 for card account with previous balance of RM3,000 and above
    Up to RM50 for card account with previous balance of below RM3,000

*Cash back is not applicable for government services transactions, charity related transactions, payment via JomPAY, online banking, FPX and Mail Order/Telephone Order (MOTO)

I forgot to make my AF Visa duo >3k b4 13Jan so in a panic on 14Jan 1am quickly reloaded to Bigpay 3x(2 were predated) & Grabpay 1x.
All 3 BP were included in the statement (but not grabpay) but not included in the calculation of cb, wasted

Wonder why I can’t open the tnc.. keep showing bad request.. is it only me?

The Cardmembers’ qualified spend shall be shortlisted by a computerized random selection (“Winning Transaction”).

Adoi 

So rare for Affin to run a promo but better than nothing 😁

regarding the free annual fee waiver of 12 swipes per year, is it need to swipe on each card or either one will do?

o.. ok. seems like 3k for me to maintain (without cashout, scare kena ban) monthly is quite tough, probably will just get the rm 50 below 3k spending.

Haha, my lack of creativity can't imagine what to do with with 5-15k borrowed money sitting around. I tend not to spend money I don't have...

Suggestions welcomed 👀

15k for 6 months at 3% = RM225.

I'm not risking 15k of borrowed money for ~RM37 a month lol, that's just outright silly.

I personally won't, but plenty would - That's why I am curious, because for such a plan, the clause for failing repayment on time is a rather iffy penalty, so if it's not for good reason and a certain degree of confidence on being able to pay it back (e.g. tenant will be late on their rent? Salary delayed by 2 weeks for some reason? All products have been completed and just need a one time payment to sort out delivery or last step but missing the money to close it due to emergency? Idk), it just seems like a way to potentially rack up debt for little good reasons.

For throwing it into MMF and racking the average rm37 ish gains seems like the safest way to get something out of it if not having anything particular in mind for the money, but for the one in ten thousand chance or less that something unfortunate happen, that's 15k that one don't need to owe to begin with for such little gains. Surely for things like racking up things like TnG GO+ promo rates, a little cash or even moving your efund is better than pointless temporary debts?

So I am genuinely trying to understand the perspective of others here, so more opinions welcomed! If anyone don't feel comfortable sharing their usage publicly, DMs are welcomed too. Just trying to learn something from anyone who's willing to teach, broaden my perspectives and all.

ok got it, thanks.

also i see some say 3084, just curious on the extra rm4? 

first month credit card can get RM80? i heard people said first month just can get RM50 only

what the meaning?

For those hold the affin duo card more than 1year cant get Bt 0% anymore, may i know if you
[1] spend 3080 to get RM80, or
[2] sign up 6month BT with 2% charges?

Thanks.