Anyone did applied for Affin Duo and after successfull application, instant cancel the Mastercard ?

Applied Duo yesterday.
Let's see how Affin efficiency works.

If until 28 i haven't received any feedback, i might just go to CIMB e-Card.


This post has been edited by Haloperidol: Oct 12 2022, 02:13 PM

So slow for them to approve my Duo card....
It's been a week and CCRIS still state pending ...

daheck, is that common case ?
Wow, i thought the CC request will take shorter if you have good credit history ....
(I applied new CC previously takes 2 weeks , but i thought it was delayed due to new history)

Obtained my Duo Card.
Activated the Visa , i let the Mastercard sleeping, don't wanna activate it LOL

This month aim is to generate 3k spending (with 1.67k to e-wallet) so next month can get 80 dollar cashback.

yes, must generate 3050 for first month first ---> and only obtained 50 cashback

next month need to go 3080 --> then get 80

DELETED

This post has been edited by Haloperidol: Nov 3 2022, 01:43 PM

If you don't activate your Mastercard, it wont charge government SST.

-

This post has been edited by Haloperidol: Nov 16 2022, 07:00 PM

you can just cancel the card, i think.
They dont want to cancel on the spot at that time for me.

Theoritically.
But the execution..
GST Refund tooks so long and tedious, a lot of merchant/level just decided to charge extra 6% as cost of operation.
And once the government have your money as GST, think how long they will reimburse it back to u.

If your previous month spending less than 3080 , you only eligible for RM 50 max cashback
RM 1667 for RM 50 cashback (max)
so you need to make up the remaining RM 1400 elsewhere.

You will get Rm 50 from the Rm 1667 ewallet
RM 7.8 from the Rm 260 autobilling
RM 10 from the online shopping

Total RM 67.8

The RM 860 ewallet wont count in cashback.

woah unlimited access to lounge, not bad wor

..... now not much incentive to hunt for extra rm 20 cashback .
just throw 3% of 1k = get 30 out of 1030 ,
1 transaction direct reload ewallet will do.

The truth is 3% rebate with 1k spend is still acceptable with RM 30 rebate per month, kinda one of the good one in the market.

The subsequent 4% cashback is PBI Ikhwan , just with a plus of 2x lounge access per year.

Just that people are too used for the RM 80 per month cashback already.

I just wonder they say start from 13 March , i wonder how they calculate it
my statement is also 14 monthly , so if lets say i spend 3080 at 14 feb to 12 march, not sure i'm eligible or not

This post has been edited by Haloperidol: Feb 9 2023, 08:03 PM

Look at Maybank Amex Islamic Amex Ikhwan
8% cashback on online spend (exclusion ewallet reload , but if you know where to bypass it is good)
Cap RM 50 per month, spending required RM 630 only.

Double quota on Rahmadan and Syawal month = RM 100 per month / RM 1260 spending
Whole year potential cashback RM 700 - RM 25 SST = RM 675

This post has been edited by Haloperidol: Feb 13 2023, 07:41 PM

So actually with this kind of rule
3% cashback , Rm 30 capped with e-wallet ,
max RM 50 for RM 3050 spending balance

=
RM 1000 -- ewallet (RM 30 at rate of 3%)
RM 667 -- online (RM 20 at rate of 3%)
RM 1383 elsewhere to make up the balance of 3050

High is good for Affin.
Affin cashback use statement balance.

You can apply BT for affin duo to reduce amount of spending.

Eg 10000 limit for duo

use 7500 for BT 12m 0% , 625 per month

So you need
1000 e-wallet
667 online
758 other spending --> your balance 2500 credit limit is used here

(+) 625 BT = statement balance of 3050 , to get 50 CB per month

This post has been edited by Haloperidol: Apr 10 2024, 07:29 PM

already nerfed..
Affin Duo used to RM 80 per month
The only good thing of Affin Duo is you can use the Balance Transfer amount to push up the statement balance, hence able to effective 3% cashback instead of meagre 1.64%

This post has been edited by Haloperidol: Jun 22 2024, 09:55 PM