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Credit Cards Affin Duo Credit Card, great rewards for eWallet
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tan_aniki
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 Feb 13 2023, 10:21 PM
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QUOTE(MGM @ Feb 13 2023, 07:47 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. 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 |
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cybpsych
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Feb 13 2023, 10:48 PM
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QUOTE(ktyong123 @ Feb 12 2023, 02:24 PM) Is this two statements contradicted? "*Maximum cash back earned from e-Wallet transactions is at RM30 per month." "Note: Maximum cash back earned from e-Wallet transactions is at RM50 per month. The cash back earned resulted from this revision will be reflected in April’s statement cycle onwards."   updated FAQ already fixed the typo |
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MGM
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Feb 14 2023, 01:30 AM
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QUOTE(tan_aniki @ Feb 13 2023, 10:21 PM) 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 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. |
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skty
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Feb 14 2023, 03:30 AM
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QUOTE(MGM @ Feb 14 2023, 01:30 AM) 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. |
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ClarenceT
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Feb 14 2023, 05:27 AM
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QUOTE(MGM @ Feb 13 2023, 06:46 PM) 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. 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 %. |
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Human Nature
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Feb 15 2023, 12:16 PM
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Received SMS on the revision. Dont recall any other bank will blast SMS.
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cempedaklife
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Feb 15 2023, 12:16 PM
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I received my statement yesterday for 14th.
Still get rm80 cashback.
will restrategize moving forward with the change in tnc.
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wesleycjh
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Feb 15 2023, 12:29 PM
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Getting Started
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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?
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gooroojee
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Feb 15 2023, 12:32 PM
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QUOTE(wesleycjh @ Feb 15 2023, 12:29 PM) 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? |
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!@#$%^
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Feb 15 2023, 01:12 PM
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QUOTE(cempedaklife @ Feb 15 2023, 12:16 PM) I received my statement yesterday for 14th. Still get rm80 cashback. will restrategize moving forward with the change in tnc. any reason that u wun get rm80 for this month if u have fulfilled the conditions? |
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cempedaklife
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Feb 15 2023, 01:26 PM
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QUOTE(!@#$%^ @ Feb 15 2023, 01:12 PM) 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. |
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cybpsych
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Feb 15 2023, 01:50 PM
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QUOTE(cempedaklife @ Feb 15 2023, 12:16 PM) I received my statement yesterday for 14th. Still get rm80 cashback. will restrategize moving forward with the change in tnc. QUOTE(cempedaklife @ Feb 15 2023, 01:26 PM) 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 |
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!@#$%^
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Feb 15 2023, 01:54 PM
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QUOTE(cempedaklife @ Feb 15 2023, 01:26 PM) Ppl were very concern since the tnc effective 12th. There are instances from other banks that banks said the monthly cap will follow new tnc as long as your statement is after the effective date. This put the concern to bed. effective march bro |
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cempedaklife
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Feb 15 2023, 02:07 PM
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QUOTE(!@#$%^ @ Feb 15 2023, 01:54 PM) QUOTE(cybpsych @ Feb 15 2023, 01:50 PM) 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) 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 |
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getrichpineapple P
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Feb 15 2023, 05:37 PM
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New Member
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QUOTE(gooroojee @ Feb 15 2023, 12:32 PM)
Try asking customer service?
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
https://pictr.com/images/2023/02/15/EzQFPr.md.png |
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Human Nature
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Feb 15 2023, 05:51 PM
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QUOTE(getrichpineapple @ Feb 15 2023, 05:37 PM) can be challenged one  |
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beLIEve
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Feb 15 2023, 07:55 PM
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Entering wrong OTP for 3 times will result in card being blocked. Subsequent OTP page will ask you to call Support to unblock.
I dont see the point doing this, because overseas gateway dont need OTP to fraud
This post has been edited by beLIEve: Feb 15 2023, 07:56 PM
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mamamia
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Feb 16 2023, 07:32 PM
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QUOTE(Haloperidol @ Feb 13 2023, 07:40 PM) 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 Y RN630 / 1260 and not RM625 /1250 |
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MGM
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Feb 16 2023, 08:09 PM
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QUOTE(Human Nature @ Feb 15 2023, 05:51 PM) can be challenged one Isnt there an announcement that rm50cb starts only statement cycle ending in April? |
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Human Nature
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Feb 16 2023, 10:12 PM
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QUOTE(MGM @ Feb 16 2023, 08:09 PM) Isnt there an announcement that rm50cb starts only statement cycle ending in April? Ah okay, i missed that. so means affin is aware that they cannot enforce it for transactions before the effective date. |
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