For Shopee bill payment (AirPay Malaysia), is it categorize as eWallet or Online for Affin DUO Visa? Anyone try b4?

Anyone recently apply 0% BT with affin?

If this is the first month (after approved and get the cash), so no cash back since no previous statement balance to refer to am i right?

Is online paying cukai taksiran to local council considered as online transaction?

What is PAM? Is that the kiosk at pos office?

Trying to understand 3% Cash Back with AFFIN DUO Visa Cash Back.

To get RM30 Cash Back each month, I will need to spend at least 1k. So, for example, If I spend

-RM 200 on Misc expenses for the month

This means that I will then need to spend another RM800?

What's the best way to do this? Top up TnG 800? TnG will take RM8 (1% * RM800) and then transfer out this amount back to bank account? So technically, I would be getting RM22 nett Cash Back (RM30 - 8)

Ok thanks, I looked at the site again https://www.affinalways.com/en/affin-duo. Looks like my Misc expenses won't be qualified. For me, seems this will probably be a card to be kept in my back pocket for the Occasional large Lazada/Shoppee Purchase.

A few more questions:

1. What qualifies as an Online Purchase? if I do monthly top-up my phone plan through the local app (Digi/Maxis/Celcom), is it considered online? Does patreon / twitch subscriptions count? Is there a list or definition that describes Online Purchase?

2. Is it still viable to Top up Ewallet for Cash Back and then Duitnow back into back account? with TnG 1% fee on reload, this means that it would still be possible to get Cash Back of at least RM20 per month for RM1k topup?

3. If I don't have a saving account with Affin, how can I check the CC Statement Balance? Do I need to download and set up the App on phone?

Those previously ndid no activate master card , has service tax or annual fee being charged so far?

Some mentioned that the MC will be auto activated after 3 years? Please keep us updated as I just got mine this year. Thanks!

Mine has been charged after 3 years.

Is the annual fee for duo card is different for both card? I saw a transaction for visa 'Ann Fee Waiver' on Mar this year but master not yet charge.

how to check when we apply and got this master card approve? I cannot remember mine

I reloaded RM 3k into ShopeePay and called to convert to 0% 12 months. I wanted 6 months, but they only had 12 months for me. I was pleasantly surprised to get a cash back for this RM 3k.

Thanks for the reply. The thing is i dont hv their online banking as i am new to the bank. If anyone with experience can confirm, i can go to branch and open a SA for online banking and active my card then can apply BT. If not i dont need a SA for this bank. Not worth to pay rm12 for the annual fees. Hehe

hi, i just got my BT approved today.. question is when is the 1st billing starts? is it after or before next statement date? Do i still need to spend rm3k for current cycle to meet the rm50 cb?

The bank rejected me 2 times. Is it hard to apply for an increase in credit limit?

Question for sifus regarding affin duo cc, if i dont activate the mastercard, no sst will be imposed? annual fee will be charged from 4 year onwards for kad merah?

You completed your 3-years cycle?
Any AF & SST charges on your inactive Mastercard?