My AFFIn Duo cards were charged rm25 sst (x2) on yesterday 12Feb, and my rebate of rm80 should come on 14Feb. I think it is no longer viable to use these cards by pledging with rm5k CASA. When and how should I cancel the cards without paying the rm25x2 sst but still enjoying the incoming rm80 rebate?

With the new t&c I think it is also not viable with rm5k pledged FD.

What's more viable than 3% a month? Unless you have a very profitable business than earns significantly higher than what FD is paying?

Look at Maybank Amex Islamic Amex Ikhwan
8% cashback on online spend (exclusion ewallet reload , but if you know where to bypass it is good)
Cap RM 50 per month, spending required RM 630 only.

Double quota on Rahmadan and Syawal month = RM 100 per month / RM 1260 spending
Whole year potential cashback RM 700 - RM 25 SST = RM 675

This post has been edited by Haloperidol: Feb 13 2023, 07:41 PM

Say i can get 2% extra out of the 5k fd somewhere else of 100/yr.
So rm30x12=360, sstx2=50.
Basical my benefits/yr is only 360-50-100=210 with a spending of 12k, effective 1.75%.
Better for me to pledge fd to get PIB VisaPlat.

Thanks. Good breakdown. I will reconsider mine when my GST comes. I applied a year later than most of you guys. I started skipping those 1.x% when I am out of sources to spend.

Yes, you should go for PB Islamic and other cards with higher % cashback.

but even if you choose put the RM5k elsewhere to get 4% fd = RM200, you still get less RM210 from the ew top up, unless u can find other cc with cb over 1.75% to cover it

This post has been edited by tan_aniki: Feb 13 2023, 10:22 PM

updated FAQ already fixed the typo

The rm100 is the opportunity cost lost due to pledging fd.
If the same things applied to PIB VisaPlat:
360-25-100=235 with a spending of 9000, effectively 2.61%.
Instead of pledging fd, i will try to use epf/ASMx statements to apply CC as I no longer have taxable income documents.

use epf/ASMx statements to apply CC, can work?

you got get approval before from any bank by doing so?

please share.

thank you.

If there is any transaction after 12/2/23, you can't avoid the SST. You won't give up your next transaction - RM80 CB right? Just assume you earn RM30 instead of RM80. It will take a while to cancel the CCs and get back the FD, just use Affin Duo Visa/MC for next few months for RM30 monthly CBS, 3% is quite good, ignoring your FD %.

Received SMS on the revision. Dont recall any other bank will blast SMS.

I received my statement yesterday for 14th.
Still get rm80 cashback.

will restrategize moving forward with the change in tnc.

If my next statement date is 16/3/2023, still can earn RM50 for eWallet top up max to RM1667, rite? As long as I performed all the top up before 12/3/23?

Try asking customer service?

any reason that u wun get rm80 for this month if u have fulfilled the conditions?

Ppl were very concern since the tnc effective 12th. There are instances from other banks that banks said the monthly cap will follow new tnc as long as your statement is after the effective date.

This put the concern to bed.

errrr nothing to put to bed, revision not yet effective mah

try update again here on 15 Mar..... for your 14 Mar statement (which is after revision effective of 12 Mar)



This post has been edited by cybpsych: Feb 15 2023, 02:55 PM

effective march bro

lol wtf? really? i read wrong then lol

edit:
you both is right. sorry

This post has been edited by cempedaklife: Feb 15 2023, 02:09 PM

Just checked with CS, as long as your statement date is after 12th March 2023 then maximum cashback = RM50 no more RM80 even though we spend before 12th March 2023

https://pictr.com/images/2023/02/15/EzQJlO.png
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