Is it each bank RM5K for 12 months or i can combined few cards into RM5K min for 12 months BT?

statement  date 16.6. only received the email this morning......

my guesses....

sep 2020 - new signup, waived #1 although no past txn
sep 2021 - waived #2
sep 2022 - waived #3
sep 2023 - AF kicks in, to validate past 12mth txn to qualify waiver

nobody knows their system logic behavior.

nearest example probably citybank's 3yr AF waiver, but their logic may differs with Affin's anyway.

Can apply multiple times.  My experience is:
On 6.6 I bought an iPad from Lazada and applied for this EIPlan of 12 months 0%.
The order was however cancelled by the seller with the reason "no stock".  The whole amount was credited to my statement.
On 7.7 I placed order with another seller on Lazada and applied for EIPlan again.
I've now got 2 EIPlan instalments in my July statement.

I have 4 BT running with my Affin; latest one was approved yesterday. All 0% - 12 month.

I think mine is still under NTB then. Have you applied one previously? Better go request PICL first before submitting your BT request.

Today I just received email from affin (for selected users only) I got 0% BT plan for existing customers

I mean this one:
https://www.affinalways.com/storage/PDF%20A...ank-TnC-Eng.pdf

It states there one time only. Did you manage to apply more than once?

Only 1 time which I regret didn't fully utilize it as i overlook only 1 time

Too fast to activate the reward card. Abit regret. Can i cut that reward master card ? Just get my cards 2 week ago.

Ever since got Go+, I pay on statement due date. No problem with that, other than T@NGo down the entire day when ePemuda was launched. Had to resort to backup loh.

Depends how you pay from your CASA. IF you use Duitnow, then it's Duitnow quota. If pay direct, then it's intrabank quota. Didn't check Affin's, but a couple of other banks have very high limit transferring/paying between own accounts within the same bank.

Off-topic... why do you leave money in Affin CASA? Interest rate ciput right?

Thanks didnt know this, paid sst on Feb2022. Just 12x any amount or need to be once/month?

can share where to find this announcement?

So far I see the RM75/year/card Annual Fee waived with 12 swipes, not the RM25/year/card Sales and Service Tax though.

I just live chat with 1 customer service agent. She also said 1st AF will charge on 2022 (based what she told me, she calculate the date manually from the approval date). But after few discussion and confirmation with supervisor, she said 1st AF will be charge on year 2023.