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Credit Cards Affin Duo Credit Card, great rewards for eWallet

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cybpsych
post May 25 2021, 03:37 PM

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QUOTE(iamloco @ May 25 2021, 02:40 PM)
Weird.. i have exceeded the min income and have few other cards too. (Respond from ringgitplus bot btw)

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seriously, u trust ringgitplus bot to give you application status?

like what Human Nature suggested, apply direct from Affin Bank la


cybpsych
post May 27 2021, 09:54 AM

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QUOTE(BeadsCrazee @ May 27 2021, 09:51 AM)
You received cashback for SST for new cards?

My card was approved in Mar-21 and i only activated the cashback card. So far i have not seen any sst rebate into the card yet. Did i miss out any steps to get the rebate?
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sst rebate auto-credited into the mastercard, not visa card

This post has been edited by cybpsych: May 27 2021, 09:56 AM
cybpsych
post May 31 2021, 09:45 AM

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QUOTE(lulusantos @ May 31 2021, 09:37 AM)
Received sms approve credit card on 10th May ..
I pick send to branch but until today no calls from affin bank.

Is it normal that it took so long?
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normal

try call CS to find out these:

1) the cards to be delivered via mail OR pickup from branch?
2) if branch, WHICH branch and contact number?

cybpsych
post Jun 3 2021, 01:07 PM

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QUOTE(tyenfei @ Jun 3 2021, 12:40 PM)
Applied in April . Got sms approved 2 days back.

Just not sure they will post to me or still need to collect from branch during MCO.
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call and ask them whether deliver by mail or self-collect from branch.
cybpsych
post Jun 3 2021, 04:11 PM

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QUOTE(rhodon @ Jun 3 2021, 03:13 PM)
The new revise of cashback card is just about cap at rm50 or rm80 right?
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and based on previous statement balance which would determine the cb tier
cybpsych
post Jun 4 2021, 10:42 AM

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QUOTE(cybpsych @ May 17 2021, 02:16 PM)
here we go again, round 2!

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QUOTE(tyenfei @ Jun 4 2021, 10:12 AM)
Where is the announcement for new cap?

Website still showing RM80  blink.gif
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effective 1 july

no reason to change website now
cybpsych
post Jun 7 2021, 08:58 PM

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QUOTE(CoffeeDude @ Jun 7 2021, 12:10 PM)
Has anyone here paid TNB bill using the Visa Cashback and received the 3% cashback?

Last time I tried once and did not get cashback.
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QUOTE(jutamind @ Jun 7 2021, 08:53 PM)
I did pay TNB using TNB apps last Feb and got the cashback
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cybpsych
post Jun 8 2021, 05:28 PM

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QUOTE(jhcwcc @ Jun 8 2021, 05:22 PM)
As long as we spent RM3k n do not pay it until the statement is being issued, only can entitle for RM80 cashback?
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what is your statement date?
cybpsych
post Jun 8 2021, 06:03 PM

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QUOTE(CoronaV @ Jun 8 2021, 05:58 PM)
My statement is on 14 every month.
Had spend 2667 on 2 june.
My 14th june statement still enjoy 80 cash back right?
So for july statement i still have to spend another 333 + 80 before 14/6 statement issued correct?
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14 June - yes can still get rm80 cashback

but you need to speed more until rm3080 (assuming no incoming refunds/reversals) for 14 June statement

after 14 June, continue spend 2667+333+80 (no refunds/reversals) for 14 July statement. at this point, it will capture 14 June's statement balance (rm3080-80) and subsequently you're eligible for rm80 cb cap.
cybpsych
post Jun 8 2021, 07:16 PM

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QUOTE(turbopips @ Jun 8 2021, 06:42 PM)
Hi Cybpsych and the rest.. just want to be clear. Assuming my statement is also 14 June.

If i had spend RM1000 on 20May and RM1667 on 2 June, i.e. total RM2667. I will get RM80 rebate in 14 June.
If i continue to spend at least RM333+ RM80 by 30June and balance RM2254 by 14 Jul, i.e. total RM2667, i will also get RM80 in July statement in 14 Jul.

Let me know if my understanding is correct.

Thank you sweat.gif
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blue highlights .... you get RM80 cashback. however, IF follow your example, it will affect July cashback.

red highlights .... because previous 14 June statement balance is <RM3,000, your 14 July cashback will capped to RM50.

This post has been edited by cybpsych: Jun 8 2021, 07:17 PM
cybpsych
post Jun 8 2021, 08:37 PM

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QUOTE(bryan_x00 @ Jun 8 2021, 08:20 PM)
Why 3080 not 3k?
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QUOTE(bryan_x00 @ Jun 8 2021, 08:35 PM)
IC not the spending amount is the balance that we need to take note. Thanks
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yes. statement balance. not spending alone.

any refunds, reversals, payment, or cashbacks would reduce statement balance. be careful with these.
cybpsych
post Jun 10 2021, 05:30 PM

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email announcement today

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cybpsych
post Jun 10 2021, 07:22 PM

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QUOTE(Barricade @ Jun 10 2021, 07:10 PM)
Too many credit cards scared I forget to pay. So usually I spend and immediately pay.
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now just pay after statement generated.
cybpsych
post Jun 10 2021, 09:15 PM

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QUOTE(kani @ Jun 10 2021, 09:02 PM)
Hi wanna ask ...

1) Does Affin cash back card give CB for payment online to TNB ?

2) The new criteria of >3000 to get 80 CB is only effective 1st July meaning for this month still can get right if the statement date is end of June ?
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2) your June statement balance should also hit min rm3k as well

it will determine your July's capped cb of rm80
cybpsych
post Jun 11 2021, 06:29 AM

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QUOTE(tan_aniki @ May 21 2021, 11:08 PM)
spend RM2667 only till the last month of your repayment month, after that switch to RM3080
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QUOTE(ChiaW3n @ Jun 11 2021, 03:17 AM)
I am still having my balance transfer for 6 months. I only start bothering 6 months later right?
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user above already answered you back in May biggrin.gif
cybpsych
post Jun 11 2021, 10:16 AM

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QUOTE(chelvis7 @ Jun 11 2021, 09:55 AM)
After reading through the previous reply, did anybody notice about the period that we need to pay interest actually? Correct me if i am wrong. I show an example below.

For June statement (22May-22June) we spend RM3080. On 22 June we receive the June statement date with outstanding balance RM3000: and payment due date is 11 July, 20days free interest from statement date-

So we ignore the payment and continue to spend RM3080 for July.

But when we receive the July statement on 22 July, the outstanding balance will become RM6000. On the day we receive the statement we immediately start to pay to clear the outstanding balance on June statement.

But by doing this,  we actually need to pay the interest from 11 July until 22 July already.  Is my understanding correct?

So that means there is no point to earn that extra RM30 (RM80-RM50), am i right?
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dude, continue pay your statement balance by the stated due date la

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cybpsych
post Jun 11 2021, 11:37 AM

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QUOTE(paogeh @ Jun 11 2021, 10:39 AM)
so now , after July .

Do we still need RM2667 to earn RM80 CB ?
or RM3000 ?

*assuming we pay after statement generated to qualify RM3000 statement balance
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you need to read properly the announcement, faq, email notifications.

go EARN rm80 cashback ... yes, 2667 within 3 categories at 3%

to be QUALIFILED for rm80, then need RM3080 statement balance
cybpsych
post Jun 11 2021, 01:28 PM

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RFID Tag Cashback Campaign [ Affin | T&Cs | FAQs ]

How to get the RM10 cashback?

Save your AFFIN Visa Card for the first time with Touch ‘n Go eWallet app
Purchase RFID tag via Touch ‘n Go eWallet app



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VISA and TNG DIGITAL (Touch ‘n Go eWallet) Campaign [ Affin | T&Cs | FAQs ]

How to get the RM10 cashback?

Set up and activate Auto-Reload with AFFIN Visa Card for the first time on Touch ‘n Go eWallet

This post has been edited by cybpsych: Jun 11 2021, 01:30 PM
cybpsych
post Jun 12 2021, 11:20 AM

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QUOTE(tyenfei @ Jun 12 2021, 11:15 AM)
Same to me .. and I just collect from branch ..  doh.gif

Any App base to track account usage?
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we've been saying so many times before: when collecting from branch, setup the online internet banking as well.

app? unfortunately no mobile app from affin, yet.

no 3rd party apps can access directly to bank accounts/cards anyway.
there are some 3rd party app to track spending by manual entry of transactions (DIY everytime) --- google or find in respective app stores.


This post has been edited by cybpsych: Jun 12 2021, 11:21 AM
cybpsych
post Jun 12 2021, 04:20 PM

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QUOTE(Nerdyfred @ Jun 12 2021, 01:51 PM)
With that said, the duo card is only giving us 2.59% cash back..
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if purely looking at the rate, yes 2.59% if aiming the RM80 cb.

with creative spending, the rate is immaterial. as kremlin wrote, you have the OPPORTUNITY to earn a fairly high RM80 cb, each month.

by spending additional RM413 to qualify for RM80 cb tier next month, it's still on the low-side.

else, just go for RM50 cb with just RM1,667 spending.

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