hmmm.. but, the same payment have been using the same for past 2 years... so, dunno y suddenly become MOTO... n this happened for 2 months case for @annoymous1234

CS told me is due to the claim code from merchant... For previous statement (which eligible for cb), the pos entry code is 100 & mail indicator is 2.
after that change to pos entry code is 100 & mail indicator is 3 (not eligible for cb)..

The CS said need to refer to the merchant on the differences of the claim code.

This post has been edited by mamamia: Apr 25 2025, 05:57 PM

2 possibilities...

1. maybe system loophole. moto was excluded in t&c from 2021 Apr. prior to that, moto not excluded (not stated in t&c). loophole means system didnt count/identify moto txn, eventhough already covered by t&c.

we've seem many banks/cards occasionally got this "delayed' enforcement until someone internally wakes up and plug the loophole.

anyone else with recurring with other merchants also faced this?


2. maybe nirvana probably changed processing method few months ago. maybe previous recurring was running fine until something screwed up at their payment partner... or nirvana decided to change it ... who knows....



no point arguing the past. not enough sample size to hypothesize the events .... just move on.

just trying to find out from Affin n was told is due to the claim code from merchant, the differences is the mail indicator but was told to ask merchant what is the differences and she cant tell me why.. haha...

anyway, i've change my autodebit to Alliance Bank since i've other insurance payment that can pay online to meet Affin Duo target...

Not sure if it's related, I received an SMS that says thanks for using ur card at Nirvana, which is strange, cause all these while, auto debit doesn't send me SMS.

Thanks for the info by the way, so meaning it's Nirvana side, not an error by Affin, right?

it seem like some change of setting from Nirvana... hence, i've just change my autodebit to other bank..

i think we should put a stop of repeating discussions related to 1 single merchant.

probably should use thread below for discussion on MCC of any merchant.

https://forum.lowyat.net/topic/3711577

This post has been edited by sjz: Apr 28 2025, 01:15 PM

For Affin Duo/Duo Plus MC, is the any way to determine when is the annual fee going to be charged?

Let's say my card expiry date is 5/2026, does this mean my card was issued on 5/2021 (assuming that card expiry is 5 years based on my current understanding) and I need to make 12 transactions before May each year?

card expiry has nothing to do with Annual Fee

Affin duo/duo+ got AF waiver for 3 years only; not following card expiry (which is the validity of the card scheme number generated for you).

Question is how do i know when is the 3 year free annual fee waiver is supposed to end? I cant recall when i first activate the card and we wont know when the fee waiver ends.

for un-activated card, will it auto active and charge AF on Year 3?

yes, same case as me, i dont even remember when i apply this card. Just hope they can waive after being charge.

Spend RM0.10 x12 at Petrol stations lah, or RM1 at Shopee/ShopeePay/TNB/Sesco.
Peace of mind.

just call the bank and find out la

1) when was last approval date

2) when is the 1st expected AF charging date

This post has been edited by cybpsych: May 6 2025, 05:11 PM

The Answer is finally here.

Prepare for the arrival of our brand new mobile banking app AffinAlwaysX.

Built on our Digital Leadership commitment, AffinAlwaysX delivers the upgrade, security, and seamless experience you’ve been waiting for.

Available for download soon. Stay tuned

Oh finally and hopefully won't deactivate users out of nowhere if not logged into their desktop page.

Hi. Anyone know if these are for ANY transactions or certain ones above the amount? Cos I checked t&c it says "retail transactions"

Does Shopee wallet reload considered ?

https://www.affinalways.com/en/fpp#:~:text=...ate%20%E2%80%8B

not sure which t&c u read

i never reload shopee ewallet though

For Affin Duo, online transaction is entitled to cashback. Anybody got experience amd can confirm that payment via TNB and Maxis app can get cashback?

For TNB i can confirm that have cashback.

Hi, anyone successful to get SST rebate / cash back?