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Credit Cards Affin Duo Credit Card, great rewards for eWallet

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cute_boboi
post Jun 25 2021, 02:59 PM

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QUOTE(cybpsych @ Jun 25 2021, 10:05 AM)
errrr already known since card was launched lor
» Click to show Spoiler - click again to hide... «

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I have scenario 2 issue in this month. So this month billing is RM 0. Zero cashback as well. Really messed up my cashback for June + July.

1) This means next month (July), I will not get cashback, right ? Since it refers to June = zero billed.

2) So, for next month, do I still need to spend minimum RM1667 to receive RM50 in August ?

3) Or add this month unbilled amount to July cummulatively ?

Thanks
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cute_boboi
post Jun 25 2021, 07:47 PM

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QUOTE(tan_aniki @ Jun 25 2021, 03:09 PM)
It depends u want RM50/month (RM1667) or RM80/month (RM3k after deduct cb or add others with RM2667 on qualifying spending)
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QUOTE(cybpsych @ Jun 25 2021, 03:23 PM)
assuming you always want max RM80 cb, every month

1) spend RM3,050 or more (RM2,667 on eligible transactions + RM383 others) by July statement.

you'll earn max cb RM50 only though, since your June statement is <RM3,000 already
2) this depends whether you want Aug to get RM80 cb or RM50 cb.

if RM80, follow (1) above.
If RM50, spend just RM1,667 on eligible txns. <-- this is "simpler" to follow as you dont need to monitor your statement balance every month biggrin.gif
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ok, assume want to max RM80. Assume scenario below.

June: 1x spending RM2k for the whole statement month.
Transaction date 08-June.
Posting date 18-June
Statement date 18-June. Amount payable for June = RM0 since posting date didn't make it into June statement.
June Cashback = RM0 (zero) already reflected in my latest statement (18-June)

July: My understanding with the new T&C, whether I spend or not, I will not get any cashback in July because my prior month balance is RM0, right ?
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cute_boboi
post Jun 25 2021, 08:36 PM

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QUOTE(tan_aniki @ Jun 25 2021, 08:16 PM)
assuming u want RM80 every month, just spend RM3050 before 18/7 to get RM50 cb with statement balance RM3k, then next month onwards just spend RM3080 to get RM80 cb
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You did not read the question properly to answer whether July will get cashback or not since June spending = zero.
cute_boboi
post Jun 25 2021, 09:50 PM

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QUOTE(cybpsych @ Jun 25 2021, 09:00 PM)
18 June statement balance rm2000.

that means you "unlocked" capped cb on 18 July = rm50.

8 June txn rm2k (assuming eligible txn) can earn rm60, but you only get rm50 capped cb on 18 July.

now, you want to secure rm80 capped cb on 18 Aug.

so, now you need to spend rm3080 or more by 18 July.
remember, your past/previous statement balance determine future capped cb.
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QUOTE(tan_aniki @ Jun 25 2021, 09:08 PM)
you will get RM50 max, only above RM50 cb need to see the previous statement balance got RM3k or not

check this out, the last 5th and 6th
https://forum.lowyat.net/index.php?showtopi...ost&p=101005287
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Ok, clear as sky thumbsup.gif I thinked too much until make myself confused rclxub.gif

thanks
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cute_boboi
post Jul 12 2021, 11:05 AM

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QUOTE(cenkudu @ Jul 12 2021, 04:27 AM)
anyone has problem to pay Affin bank from your bank via instant transfer?
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No issue for me, but you may want to try within 6am-12am GMT+8 as banks in Malaysia maybe performing maintenance and downtime between 12am-6am.
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cute_boboi
post Jan 20 2023, 08:10 PM

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QUOTE(jerantut2011 @ Jan 20 2023, 03:18 PM)
Affin sales agent said that new card members must collect credit cards from a branch with thumb-printing using NRIC.

Do we have to sign up for Internet Banking by filling up a form at the branch? Or can we sign up easily using the credit card (if approved)?

Thank you
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My time 1-2 years back, collect CC at Affin branch. Also ask to activate Internet banking, so no need go two times.
Then immediate goto ATM to generate PIN, go home setup Internet banking.
I don't have any other account with Affin, so consider as new customer.
cute_boboi
post Aug 24 2023, 10:23 PM

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QUOTE(tan_aniki @ Aug 23 2023, 10:11 PM)
the only card u always use is visa, so no worry with 12x
just don't forget mc do 12x as after 3 years the 4th is chargeable, so need to do on 3rd year b4 4th year kick in
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Thanks for reminder. Just did mine 12x as coming to full 3 years next month. Annual Fees & SST should be coming next month, early adopter of Duo CC.
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cute_boboi
post Dec 28 2023, 10:15 PM

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QUOTE(tan_aniki @ Dec 28 2023, 09:44 PM)
ya and sometime after we report fraud the replacement card only change the last 5 or 6 digits, so the hacker only need to concentrate on those digits after they gather a list from ipay88 etc
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The leading six or eight digits (one or up to eleven digits) are the issuer identification number (IIN) sometimes referred to as the bank identification number (BIN).[2]: 33  The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit
Payment card number

So Affin Duo Visa will always start with 4658 85xx xxxx xxxy

So it is not that difficult to tikam

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