If your phone got stolen, scammer have your sim card to receive OTP also? No limit to all the security hole you can imagine la, the "secret" image is meant for you to know the website only, nothing more than that.

Why exactly is it the cashier's job to bother about bank/card security? Cashier's job to serve the customer, and this is being done here.

Actually only 1.5% cashback based on above. Unless you using balance transfer etc. to push your monthly bill above 3000 without spend.

I also do that, but better mention since otherwise people think its just how the card works. If don't do that, just limit to 1k spend per month still get 2.58% cashback, decent.

Dirty trick to earn commission.

Your EPP 1.8k will be stretched out for how many months? Let's say 6 months, then only 300 will be charged in your February statement, so you cannot qualify for RM50 in March statement.

If you want to use EPP for 6 month, you need about 8.5k or something (do calculations yourself based on your actual spend amount) so that the 6 month amount is >1.4k. Then you spend 1,666.67 plus the monthly amount will be >3050 and you can get RM50 per month.

I think most of us who do this way just use balance transfer, is easier.

Yes, your affin duo statement (make sure you apply from visa not master) will have an additional line item every month for the balance transfer. In your example case, RM1k.

So you need to spend RM2050 (because remember, you will get cashback from that spend of up to RM50).

If you spend RM2050 and get (let's say) RM30 cashback, your statement will be RM2970 and you won't be eligible for RM50 cashback the next month.

tl;dr - Balance transfer amount + spending should be >= RM3050 every month.

Normally you should only apply balance transfer when there's 0% promo. What you're looking for is 0% interest AND 0% upfront (some banks only 0% for one and not the other). Generally affin bank promos are 0% for both so we just whack as much as our credit limit will allow.

1. Each card need 12 swipes for their own annual fee waiver
2. 3k not enough, need 3050 (because the statement is spend - cashback)
3. Yes once statement generated then that's the amount used. Just remember not to pay before statement generated. If you spent RM10,000 but pay it all off before statement generated, your statement amount still RM0.

Even if your balance transfer amount is 3050, you still need to spend on eligible transaction to earn cashback. You don't earn cashback on the balance transfer amount.

So for those of us aiming for RM50, we will make sure to spend RM1666.67 on eligible transactions every month, and then fill up the rest with balance transfer such that statement amount >3000.

You don't understand what I said I think.

You do not get cashback on the BT amount. If you spend RM630 you will get RM18.9 cashback, not RM30. BT amount doesn't matter to those who are not targeting the RM50 amount. In fact even your RM1030 isn't optimal, you only need to spend RM1000, because the RM30 cap is available for any spend < RM3000. BT does not help you at all because your cashback not dependent on previous month statement amount.

Where BT helps is for those who are trying for RM50 cashback. They would need statement of RM3000. Meaning total amount on the statement before cashback of RM50 should be RM3050. If they have BT of RM400 (like you do) they 'only' need to spend RM2650 per month to get RM50 cashback.

Just list down your spend? I get RM50 every month, spend at least 1666.67 on shopee and the rest can be any spend.

Do you pay before statement generated? The actual statement balance should be RM3000, not spend RM3050 but pay before statement generated.