so meaning that affin encourage us not to pay on time, must pay after statement due date only entitle the CB??

so still have to pay after statement due date? i dont want to have any overdue payment leh.

This is my understanding,

Monthly spending = Amount which you spent during the month

Outstanding balance = This should be equal to meaning of 'Statement Balance'. Some people tend to pay partial amount of they spent, before the monthly statement is generated

Overdue balance ( 20days after statement date ) = Amount outstanding after due date which will be charged interest

The current practice of cashback given by Affin is based on Monthly spending. As long as you fulfilled their criteria of the spending, you will gain 3% cashback. This is irregardless if you clear the payment before or after the Statement Date.

Some people tend to clear/partially pay their spending before the statement is generated. As per current policy, they are still entitled to the 3% in full since the % cash back earned is based on monthly spending.

Since their term will be changed to outstanding balance , this means whatever amount which you have paid earlier than 'Statement Date', you will not be entitled for the cash back. It should be remained as Outstanding as per Statement Date generated of at least spending of RM3k in order to gain the max RM80 of cash back. It does not mean they will charge you 18% of interest and then giving you back the 3% cash back.

if in this case, pay on time = no CB, pay after due date = get CB?

the term outstanding balance very confusing. both categories also have the term outstanding balance.

if outstanding balance (any amount) = statement balance and i pay on time, i will entitle CB as well?

Still can get 0%? Need to apply mine before year end to reap the 0%

if let say my statement date is 15may to 14june....

i wonder the cashback for june statement is following the new tnc o the old one.....

I noticed I haven't been using my Duo that much in the recent statement cycle.

I saw posts mentioning spend RM 1667 and get RM 50 right? Still not too bad. Otherwise, which card still gives cash back for insurance auto-debit besides SCB JOP or MBB FCB VS?

Looks like I have no other option but to stick with Duo for insurance auto-debit.

i try search online but i cant get the new tnc....
any link can share?

i wonder the new cashback tnc is the based on spending posted date o statement date...

Same here but minimum usage is RM 1667 to get RM 50 right? If lower than that no cash back, correct?
My auto-debit is very little amount only and yeah FCB VS just can't beat it so I have cancelled it last month.

no min spend .
RM1667 is to maximize the cb cap RM50

With the revision, probably I want to cancel the card. But I still have the Cash-on-call and BT outstanding.

Did anyone tried to clear all outstanding before cancel the card before? It is not shown in the statement so I guess I need call them to clear then only cancel?

loophole is can take advantage of all the BTs/CIPs since it would be accumulated into the "previous balance"

outstanding on statement not same as previous balance?

The way I see it, Affin wants our retail spend business, and also balance transfer & cash-on-call business!

If we were to put it in layman terms, as long as we pay full on time, we won't entitle for any CB?

Don't understand why some ppl want the rm80 cb from affin duo. I mean rm50 for rm1667 topup is good enough what.

Get PBB QMC RM600 (30cb) PiB Visa rm750 (30cb)

Got ambank true visa also RM1000 (rm30 cb)

Total monthly spent already rm4k spending for online expenses giving rm140 cb. Good liao.

Those fake spend one I dunno la. Those withdrawals one colanfirm kena ban soon including me hahaha.

Then those truly spend one, can't spend 4k a mth la. Siao meh every mth 4k. Groceries also no need 4k gua. Unless 1 household 10 ppl or sharing buy lo. Otherwise 1 House 5 ppl also max rm300 a week only on food and beverage.

Is car insurance online payment entitled for cashback?

Weird.. i have exceeded the min income and have few other cards too. (Respond from ringgitplus bot btw)

I did not receive sms notification on card approval, but I received sms with offer of  cash with 0% profit if I activated my card. Does it mean my card is already approved?