iirc, got cb if pay online manually

insurance not excluded anyway

yes, it is under online cashback for paying manually at respective insurance website, such as GE, Prudential.

hi all, does anyone know how to check MSIC code for transaction. Suspect some transaction not eligible.

I spend 3050 above for affin duo cashback card every month, but getting not even rm30 cashback, instead of rm50. Feel scammed by this bank.

Facing same issue with uob card as well.

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.

usually you have to call to bank and ask them on the MCC code.
You can backward calculate the cashback to guess which are the unqualified transactions if your transactions are not too much.

I pay after statement generated, definitely not immediately. It says my PREVIOUS BALANCE is 3067, and my NEW BALANCE is 3035 after cashback.
But the cashback I get is rm25 only.

For cashback, is it only ELIGIBLE transaction count towards the total minimum retail spend? Like If I spend 3050, but one transaction RM100 not eligible. Then I fail to hit above rm3k, become 2.9k, is this how it works? Hence, not entitled to Rm50 cashback.

This post has been edited by xkaizoku: Oct 17 2025, 10:25 PM

3% Cash Back* with AFFIN DUO Visa Cash Back

e-Commerce/Online Transactions
eWallet Reloads/Transactions
Auto-Billing

as long as your transactions falls on above category, then it entitles for the 3%. RM3000 statement balance is for raising cashback cap to Rm50, if you are getting cashback rm25 not RM30, then it is not issue with cashback cap.

I see, thanks for your info. I think I realized what is going on. Some transactions are for in-store purchases after reading my statement again. Dumb dumb me.

This post has been edited by xkaizoku: Oct 17 2025, 10:34 PM

It is kinda painful to pay for the MC SST when not using it.

i tot no need activate MC then no need pay SST?

Yes that's right. No SST for me so far.

1st, earlier card users didnt know about this "benefit". like myself, we activated both cards. hence, we feel the "pain" every year

2nd, later card users didnt activate the extra cards. fortunately, bank doesnt impose sst when card not activated for 3 years..

3rd, some users reported they got charged sst (for their unactivated card) after 3 years honeymoon period. this, need more ppl to report after 3yrs.


there's no guarantee no SST perpetually as long as card unactivated. bank may be forced to impose it since card already issued to you for 3 years

Yes, that's right. I'm in the first category and also I have been using this card since day 1, so more than 3 years already. There are people reporting got charged after 3 years, so don't be too happy yet if it is not charged yet.

I presume you completed your 3-years cycle?
As of now, there's no AF & SST being charged on your inactive Mastercard, right?

I feel like cancelling my cards and re-applying again next time, then don't want to activate that MC.

1st, no guarantee can re-approved

2nd, if using Affin Duo, and got insurance/autodebit tied up with the card, leceh to move them away and back again


rm25 sst, still bearable lah

I still have other Affin cards, should be approved kot? I have the Affin Duo.

Yeah, I have auto-debit tied actually but next year the cards will expire, so I need to update anyway.

RM 25 is a waste for me if I'm not using the card and no benefit.

I guess. I never bother checking if already exceed 3 years. But I do check and see if any charges on those 2 cards. I have never active the other 2 cards I have both duo and duo+

This post has been edited by Ramjade: Oct 24 2025, 06:49 PM

they manage to dispute that after i called
just received another new message today lol
hopefully not the same issue again

Same, received the sms today too. will just ignore.