Guys, gonna ask this so I got CIP and every month paying RM 2.5k for that, my spending is not as much as in the past... I have insurance RM 300 as well, so I should have RM 2.8k in the statement for these few months until CIP finishes. I need to spend another RM 200 and can get RM 15 cash back?

After CIP finishes, so I will have only this insurance RM 300 as balance, can I still get RM 9? Sorry I'm so lost.

Pay after the statement is generated la.. why pay so early? you have ~20 days to reconcile and pay..

I dont know how payment before statement date relates to avoidance of credit shield. But anyway the person has explained the reason.

you mean credit share is a 0.65% charge on your spending, actually.

It is only useful if you have a big bill at the point of time you pass away (then your estate can write off). If it's some normal spending (e.g. RM3080 per statement with current iteration of the card) is it really hard for your estate to pay off?

And the price for this protection is either a cumulative 0.65% charge (if you take advantage of intererest-free period) or immediate paying off of your spending (in which case what's the point of a CREDIT card?).

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?

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

if you already got statement this month, you need to start spending the following:

Got BT/FPP/unpaid balance of more or equal to RM413:
Spend RM2667 + RM413 - RM80 = RM3k

No BT/FPP/unpaid balance:
Spend RM3080 - RM80 = RM3k

Your next month statement balance will be your previous balance in July

Anyone here can help to see why I get so little CB this month? Mainly top-up boost for CB.

[attachmentid=10910355]

*** I noticed that my last Boost top-up posted late. But I should still entitle for the CB?

Posted date same as statement date.

hi all for the new policy change.

Does the RM3080 balance include CASH-ON-CALL INSTALMENT PLAN (“CIP”) balance?

hi senior, i'm trying to a build real case here, please feel free to advise
statement date 14/7/2021
30/6/2021 - top up big pay rm1k (don't pay)
12/6/2021 - top up big pay rm1k (don't pay)
12/6/2021 - top up lazada wallet/shopee pay rm1,080.
projected cash back 14/7/2021 = rm80.
correct?

RM500 unfortunately. so what should i do?

means spends another RM2580 by 11th of July?

My statement date is 22nd.

Just call affin to confirm.

Statement must be RM3k and above, excluding any BT, Cash advance, annual fee, sst, finance charges etc, but inlucluding rebate.

So it’s your pure purchases transaction be at least 3080 to entitle for rm80 next month.

Actually cb based on previous statement balance is going to infuriate customers who didnt meet requirement due to last minute unexpected credits.

Hi all. I have just gotten my duo card today. Want to ask clarification from everyone here:

1. Since the effective date for the new TnC is 1/Jul, will I get RM80 if I spend RM3080 between now and 30 June?
2. Or if I just start spending on 1 Jul onwards, will I get RM50 cashback since Jul will be my 1st statement and there is no previous statement to check my balance?

Lesson Learned, always check your transaction if you are playing exact amount on the statement date.
Lucky i got BT trasnfer to cover and exceed 3k of spending.

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

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

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 ?

You did not read the question properly to answer whether July will get cashback or not since June spending = zero.

this bigpay transaction eligible for cash back for visa duo cb card?because normally is shown BIGPAY-EC KUALA LUMPUR MY

this look like become offline transaction, normally is shown BIGPAY-EC KUALA LUMPUR MY