Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Affin Duo Credit Card, great rewards for eWallet
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 Sep 2 2020, 08:46 AM
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#1
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All Stars
12,387 posts Joined: Feb 2020 
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QUOTE(CyrusWong @ Sep 2 2020, 08:45 AM) i hate "stand a chance to win" campaign lol Yeah, this kind of campaign isn't guaranteed for any prize/gift. half year ago baru applied 2 cc from other bank, worry will kene reject if apply this, will wait for better campaign then only apply   |
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Sep 2 2020, 08:51 AM
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#2
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(alandhw @ Sep 2 2020, 08:48 AM) 1)You will be issued with two (2) credit cards, same concept as maybank 2 cards I like your explanation in (2). 2)Not really at the moment. The best gift reported from the user was an Umbrella. 3)I am submitting the application via email to banker.  |
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Sep 2 2020, 08:56 AM
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#3
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(spreeeee @ Sep 2 2020, 08:54 AM) for the 3% cashback capped rm80 per month, means equivalent to around rm2666 spending per month.. most probably could have ppl abuse it to reload to ewallet and withdraw to offset the spending.. typically tactic.. lol.. If one have existing cards and have been practising above, there's not much avenue for this card unless create more dupe e-wallet accounts. RM 80 per wallet is attractive and addicted but I'll pass it. |
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Sep 2 2020, 08:57 AM
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#4
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Human Nature @ Sep 2 2020, 08:56 AM) Hope not or Affin may not be able to sustain the 3% and RM80 cap for long. You'll know by in 2021 when interchange fee has to be reduced. |
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Sep 2 2020, 09:00 AM
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#5
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Human Nature @ Sep 2 2020, 08:58 AM) That’s why still wondering what is Affin’s playbook strategy. Just few months left to 2021. We'll see. No worries. |
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Sep 2 2020, 09:21 AM
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#6
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(alandhw @ Sep 2 2020, 09:21 AM) My experienced with Affin gift was thumbler. Umbrella more expensive than tumbler? Has requested for Umbrella, but the sales banker just can offer thumbler  |
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Sep 2 2020, 09:30 AM
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#7
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(YoungMan @ Sep 2 2020, 09:27 AM) I think they will regret allowing people to topup Ewallet, but let's see. Can topup Bigpay and Sarawakpay to get free money and then withdraw. They had done their market research and analysis before coming down to that marketing details. |
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Sep 2 2020, 08:13 PM
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#8
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Human Nature @ Sep 2 2020, 08:10 PM) Actually I think the staff who get the documents will get referral commissions Are they really bank staff? Not temporary agent? |
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Sep 3 2020, 07:43 AM
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#9
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Human Nature @ Sep 3 2020, 01:48 AM) Kiasu betul. Just check my eCCRIS and shown as approved too. Very generous CL, will reduce it later. Not kiasu. It proves that they're doing their job. Later, if late or slow put into CCRIS, then being complained why not yet appear in CCRIS etc |
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Sep 3 2020, 09:45 AM
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#10
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(alandhw @ Sep 3 2020, 09:30 AM) I got it from the banker but only after i received the card. it was passed experience. To save the hassle, may request the banker to provide the form in advance so you can submit it together with your credit card application. QUOTE(Human Nature @ Sep 3 2020, 09:40 AM) I see, thanks. I will get it sorted out when I get my card since I have applied. The form not available online at their portal? |
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Sep 3 2020, 03:46 PM
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#11
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(wjleong15 @ Sep 3 2020, 03:44 PM) if we did not apply If you want to use it for e-commerce transaction later, you need to go the branch to activate the flag. cannot use for online transaction? |
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Sep 4 2020, 10:30 AM
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#12
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(PoisonSoul @ Sep 4 2020, 10:27 AM) May I just ask for the CCRIS report, can I apply it online (I found the documents needed to fill up and send) or I still have to go to BNM or AKPK to sign up? If I do online apply, does it mean that's the only a time off/report to be sent to me? CCRIS discussion is over here:https://forum.lowyat.net/topic/741069/+2920#entry98055067 alandhw liked this post
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Sep 7 2020, 01:06 PM
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#13
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(ClarenceT @ Sep 7 2020, 01:04 PM) So difficult to visit a branch meh? Yes, for me.I need to take half day leave to visit the branch since there's only 1 branch in my region. alandhw liked this post
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Sep 8 2020, 02:30 PM
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#14
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Wolgie @ Sep 8 2020, 02:29 PM) Not really undestand this 20days interest, do all cc same? Yes, same for all credit cards.From your statement date to payment due date is 20 days apart. This post has been edited by GrumpyNooby: Sep 8 2020, 02:31 PM |
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Sep 9 2020, 08:46 AM
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#15
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(LemonJane @ Sep 9 2020, 08:44 AM) Sorry what's DSR? Debt service ratioFirst things first, what is DSR? To put it simply, Debt Service Ratio in Malaysia is a method used by banks to calculate whether or not you can afford the loan you’re applying for. In terms of a home loan, this formula essentially helps the bank estimate how much you can afford to fork out for your monthly instalments. Based off your monthly net income and the total fixed debt you have to pay each month for your student and car loans etc, banks can see for themselves if the property you’re trying to obtain is within your financial limits. More at: https://www.propertyguru.com.my/property-gu...ratio-dsr-12055 This post has been edited by GrumpyNooby: Sep 9 2020, 08:51 AM |
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Sep 9 2020, 05:19 PM
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#16
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(avinlim @ Sep 9 2020, 05:19 PM) So, RM80 cb combined for both card? Which both card? |
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Sep 9 2020, 05:42 PM
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#17
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(avinlim @ Sep 9 2020, 05:41 PM) both duo cards laaa brother~~~ Answer: QUOTE(LemonJane @ Sep 9 2020, 05:31 PM) For Visa Cashback. 3% of RM2,666 for online transactions. The other card earns rewards and someone said it's 0.48% in cash equivalent Visa -> 3% cash back capped at RM 80Mastercard -> 3x points This post has been edited by GrumpyNooby: Sep 9 2020, 06:04 PM |
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Sep 9 2020, 05:45 PM
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#18
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(Human Nature @ Sep 9 2020, 05:44 PM) Lol, only Visa gives cashback. Mastercard gives points . Yesterday got discussion for Affin Trio cards (Duo + VS). Maybe he got confused over that. |
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Sep 10 2020, 01:46 PM
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#19
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(jiaen0509 @ Sep 10 2020, 01:44 PM) O/S stand for? Outstanding |
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Sep 10 2020, 02:30 PM
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#20
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All Stars
12,387 posts Joined: Feb 2020
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QUOTE(janson_kaniaz @ Sep 10 2020, 02:29 PM) Just got it! Let the spending begin! This picture is clearer.[attachmentid=10581813] Really transparent and looks like Starbucks card. |
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