ya, i guess what he meant was how to entitle RM 80
when u have no previous statement balance due to new to card

Not sure if this is true, because
Month 1
Spending RM 3,000

Month 2
Previous balance RM 3,000
Cash back (RM 80)
Payment (RM 2,920)
Spending RM 3,080

Month 3
Previous balance RM 3,080

lol, u could simplify into 2 steps
step 1: all eligible transactions would entitle you to 3% cash back
step 2: the maximum cash back allowed (cap) is either RM 50 or RM 80, depending on your previous balance (which is irrelevant to step 1)

hope this help

yes, no minimum spending requirement

only for RM 80, RM 50 is default

theoretically yes, but u will only have 2667 in the following month + outstanding from BT/CIP

This post has been edited by 1mr3tard3d: Nov 11 2021, 02:50 PM

nah, u just need RM 3,000 previous balance stated in your credit card statement, RM 3,000 will do
then your current month cash back will be up to RM 80, depending on current month eligible spending

RM 1,667 is the amount to entitle RM 50 cash back
effective cash back rate is reduced at any amount above RM 1,667

they have changed website address
Affin BT

This post has been edited by 1mr3tard3d: Dec 20 2021, 11:27 AM

that is weird, your current month transactions need at least RM 2,667 to get RM 80 cb
258x should be around RM 78

just refer to the first line in the transaction description of statement for the previous balance amount

credit limit is assessed based on your income, so should have no changes
UOB didn't, not sure about Affin

in short, a temporary parking to meet the minimum spend requirement to entitle the maximum cash back?

there are two ewallets (touchngo, bigpay) allow reloading with credit card and subsequently withdrawal to bank account
the former explicitly 'prohibits' this abuse in their terms and conditions
the latter recently addressed by reducing the month reload limit

u should utilise the card but not being shaped by the card

regarding the 'previous balance', just refer to the first line in your credit card statement
your 'settlement' will only affect the previous balance if you pay before the statement date, which
otherwise, it will be displayed below the previous balance
that is just the condition on the maximum cash back, your cash back amount will be based on the current month eligible spending
RM 80 is total per month/statement, not each category

because your current month spending eligible for cash back only amount to ~ RM 353
your cash back limit is determined by the previous month balance
but your actual cash back amount is either the lower of the limit or eligible spending

oh, so it is due to posting date issue

only if the card is activated

so i suppose it would be 80 rather than 69.41, if your ending balance is 3,103 - 10.59
now your spending will only contribute to your 'previous balance' since your June cash back is dried up by this 2,750


so the workshop does not accept ewallet payment?
yes, your previous balance in subsequent statement shall be RM 1,240.62

payment made between 17th and 5th would be fine
i prefer paying 2-3 days prior to due date

applied on 6 May 2022 via website
received email reply for supporting docs on 7 May
received a call to collect on 26 May ...
took the longest time so far, comparing with MBB, PBB, UOB

are you interested in the investment-linked product when buying insurance?
are you interested in the TV bundle when subscribing to Unifi?
isn't that obvious if u were in their shoes?

still the case in May 2022
need to activate online/internet banking at the branch anyway

no harm in trying

from past experience:
depending on whether your spending exceeds your BT amount
if spending is greater than BT amount, then it will be instalment payment plan
if spending is lower than BT amount, u have to fork out the monthly BT repayment while leaving credit balance in credit card (prepaying your credit card )
unless contacting the customer service to withdraw the excess

therefore, I prefer cash-on-call instead, although with shorter tenure

ya, u r right
based on the questions asked previously, appeared to be new cardholder to me
so suggesting another option which may not be aware of

no points are rewarded when reloading
transactions with card/online or duitnow qr: RM 30 = 1 point; pay bills: RM 20 = 1 point
should be able to view this information in bigpay app (points are displayed in top right corner > more info)

no idea how that works
u get 8x TBP using Alliance Bank Visa Platinum virtual card to reload MCash
it is possible to reload bigpay with Affin Duo > then reload MCash with Bigpay
but can you reload bigpay with MCash?
VCC supports MCash for the time being

they are different in terms of 'linked to' :
bigpay is prepaid card
Alliance Bank Visa Platinum is credit card

This post has been edited by 1mr3tard3d: Oct 14 2022, 10:32 AM