+ Ex- Lowyat.net editor

This post has been edited by ClarenceT: Jun 17 2025, 12:00 PM

I got it too

Think the bank might exclude it as telco transactions

Noob question, if BT rm12k into 12months = monthly repayment rm1k, so one have to spend another rm2k in order to get cb of rm50?

Mine is not BT though, it’s 0% installment.

what about BT? I just BT 12K... the previous balance taken count?

Previous monthly statement >RM3000

If BT RM1000 monthly, then you need to spend >RM2050 so your next monthly statement can be >RM3000.

3% CB on eligible transactions only, not on BT. Capped at RM30 only if previous statement balance <RM3000.

This post has been edited by ClarenceT: Jun 19 2025, 12:18 PM

It seems the same to me. No cash back, but others can advise.

in my case, BT installment rm1k/month,
if to spend rm1000 on e-wallet and additional rm1000 on online/ e-commerce, can get a rm50 cb?

shopee has buy-now-pay-later. u can buy using BNPL, then later make payment with your card (so it's considered retail payment)

2nd month onwards you need to spend RM3050 to qualify for RM50 cap.
Last month spending determines current month's cap.
RM50 cash back will drop your Balance to RM2950 so next month's cap will become RM30
In summary spend RM3050 every month

Then your next statement balance will be 3000-50 = 2950, ie <3000.
Not good for next CB.

repayment to BT is considered as part of the >rm3k transaction rm50 cashback cap.

Is it possible to BT an amount that you havent spent from another bank?
Or maybe like if that card have Credit amount locked by 0% cash xcess offered by that bank or something

Yes as these days BTs no longer require statements from other banks.

so spaylater repayment is consider as online and eligible for cashback? or is it ewallet?

doesnt't matter, online and ewallet are eligible for CB. spaylater gets CB

But ewallet is capped to RM30. Online capped at RM50.

You are right , I don't realise got such thing

Just get my affin duo+ visa

Wanna ask if i paywave like RM500, then aseked key in pin will get 3% cb?

This post has been edited by sl3ge: Jun 28 2025, 06:12 PM