Actually when I called to start a new cash on call and the rep was talking to me about it I said must be from the visa so that my statement balance above 3080 and he understood what I meant.

Statement balance printed on the statement every month, but still people have doubts. Really too free.

Unactivated, based on experience from other bank, will still be charged SST every year.

1. Depends how Affin's system records the cancellation. I think most banks will record it as a payment towards your bill. But to be safe always pay statement amount in full before due date (including the 700).
2. Clawback will be for the next month. Let's say you spend 2k again, you will only get cashback for 1300. Because your net spend is (2000 - 700).

Yeah unless they got Maybank's system for Barcelona card which will actually do this maths:-

Net spend * percentage

So if your net spend is -RM700 you actually get charged as 'cashback' =p

But IIRC when you complain to Maybank about it that charge gets cancelled. No idea what Affin does.

Crazy, card effectively become 1.25% cashback card.

If the cash prize is more than 30 then still no loss compared to not joining the spending campaign ma.

Currently my monthly bill sure very much above 3k because of cash-on-call 0% so I haven't bothered thinking about it yet.

Warning to those who are close to their 1 year anniversary, I called Affin today to request one last round of Cash on Call while its still 0%, but was rejected because they said my issuance date was 2nd Mar 2021. I only received the cards 15th March 2021 (SST also charged on that date).

https://www.affinalways.com/storage/campaig...ampaign-TnC.pdf

Didn't see this publicized anywhere. Good promo (12 month 0% EPP) available from 1st Jan to 31st Dec 2022 on spend of RM2k or more. Can be helpful to maintain that 3000 total spend.

Edit: Quick maths - for Affin Duo holders, the excess amount required per statement is (3080-2666.67) or RM413.33. If EPP 12 months, this can be achieved with an amount of RM4959.96 (round up to 5k easier). So either swipe 5k one shot or 2x2.5k (not sure if can have multiple EPP running at a time).

This post has been edited by LostAndFound: Mar 4 2022, 10:40 AM

Unlikely anyone knows for sure here....

Yet we have previous reports that people can get 80 in first month.

Most likely the rule only applies if you have a previous balance, otherwise first month you are assumed to qualify (like sign-on bonus).

Any service tax rebate granted for either of the Duo cards?

No, got technical error (but effect is same).

You took 15000 for 6 months, meaning your statement will show 2500 per month in repayment for this. Your statement will not show 15000 outstanding.

But the effect is correct, since your statement 'starts' at 2500, you spend 2667 total statement amount will be over 5k (even after you get cashback and everything).

If show like that you will have to pay 17667 for 1st month. This is standard across most banks (some like SCB have a separate account number for the balance transfer).

I think almost all holders have gotten the offer before and most would have taken it. Free money after all.

Current promo till end 2022 is cap 15k installment plan 0%. Still worth, if you swipe 5k and convert to installment plan your monthly charge is 416.67. Spend 2666.67 and your bill will be 3083.34 every month. This is for everyone whether new or old.

Got some minimum amount (1k or 2k can't remember), that's all. Must be 12 month period. Easiest way to apply that I've found is you login to affin and then use the 'chat now' there.

For those playing multiple cards then have to compare apple to apple, easiest with %.

E.g. because got affin duo, the Barcelona/OCBC cards can just keep unless it is maxed out, because even RM30/RM1413 is better than their 1%.

CIP definitely does appear in statement so it can count towards your statement amount. But it is not worth it for you because you don't get cashback on it. So even if you CIP 15k (2500 per month in statement) and spend RM580 per month (to get to RM3080 statement), your CAP for cashback is RM80, but actual cashback you get is RM17.4 (3% of RM580).

If you confirm can spend RM2666.67 per month (seeing your credit limit I think this is hard), then you may take a CIP of RM2500 for efficiency. This will add RM416.67 to your monthly bill. Then you spend RM2666.67 per month your bill is RM3083.34 and you can get RM80 cashback exact.

Of course what you should do with the money is put it in somewhere which earns interest short term. High interest rate savings account or something like that.

Yes, any spend above the min amount. I used ewallet reload, easiest no need to think.

Yes. Most convenient way is to ask them through chat when logged in on website.