err sorry now the magic no is RM91.25 right? 91.5 is for what?

Also i check my acc expire date is mar 2029, mean still free for another 4 year right?

Regaring the overseas spent, no memtion still have 1% cash back?

S 16.4 A FSP shall ensure the PDS does not exceed two A4 pages and ensure that the information is presented in an easily readable font size.

S 16.5 A FSP shall use plain language and active verbs to make the PDS easy to read and understand.

G 16.6 In relation to paragraph 16.5, keeping sentences short will make the PDS easier to read. Most plain language writing guides recommend an average sentence length of not more than twenty words per sentence.

You may renew your card in leap years or common years. the 91.50 case takes into account of the case when you happen to renew your card in leap years like in 2028, 2032, 2036, 2040, 2044, and 2048 etc.

oh yes, i forgot about this

Yes, for now. Bear in mind that they can change their T&C anytime they like. Fluidity is the norm in the banking sector.
The 1% cashback thingie is in the rewards section: https://www.gxbank.my/campaign-tnc (item 9 GX Card Rewards Campaign).

The Product Disclosure Sheet is a Bank Negara requirement to inform consumers before they use the bank's product (i.e, pre-contractual stage): https://bnm.gov.my/documents/20124/938039/p...ure_dec2024.pdf

There are strict requirements to follow when drafting a PDS, which is why it is more or less standard across all banks in Malaysia, regardless of products.
The 1% reward is not and never promised to consumers who are planning to use GX Bank debit card, which is reasonable, consider that reward campaigns come and go.

I wouldn't read too much into the PDS. After all, the debit card business is mostly about back-end interchange fee charged to merchants and for credit card business, the "revolvers" who always pay the minimum balance and essentially borrow at 20-30ish percent p.a. from banks are the core customer that drive the profits. Whereas credit card PDS will warn you about the high interest rate, e.g. https://www.maybank2u.com.my/iwov-resources...2C-Plat_PDS.pdf, debit card says nothing about the B2B hidden backend interchange fee mechanism. (Your 1% reward actually comes from that backend interchange fee thingie.)

but even promotion continue with 1% cb, it still not worth as they gonna charge fee, no more 0 fee, so guess i will cancel this card

Just treat it as extra info good to know.

How high are the chances of me getting back my money?  1st of April my debit card got 12 unauthorised transactions total rm3k , report bank 30 minutes after tge last attempt transaction. Now the status already turn successful.

got buy cyber fraud? by the way, debit card better freeze when dont use and dont put a lot of money in main acc.
by the way, you can turn off online and oversea transaction.

chances very slim as it is debit card. You can read the tnc

How high are the chances of me getting back my money?  1st of April my debit card got 12 unauthorised transactions total rm3k , report bank 30 minutes after tge last attempt transaction. Now the status already turn successful.

No buy cyber fraud. CS said need 50 days to investigate. 😭

did you use it in any overseas places and/or overseas online transasction? and where did those fraud transactions come from?

Never use before overseas site. But local site got la last time when still got 1% cash back period.

Never use before overseas site. But local site got la last time when still got 1% cash back period.

and those fraud transactions came from local sites or overseas? first time hearing this though - didnt expect but i guess there'll always be a 1st time

Overseas. USA

and those fraud transactions came from local sites or overseas? first time hearing this though - didnt expect but i guess there'll always be a 1st time

hope you get your money back soon bro

hope you get your money back soon bro

sometimes not use on oversea site. most of the time is saved cc into online system. that online system security weak and able to get your cc detail. that why nowaday , i dont save cc detail. remove after use or use freeze function on cc

Foreign transaction fee

1.2%* administration
fee by GXBank on the
amount transacted in
foreign currency or
amount transacted
overseas with the GX
Card.
This fee is waived until 6 May 2025.

Does this mean that after that it will not make sense to use GX Bank overseas anymore?

Time to keep my GX Debit Card in the drawer after 6 May 2025. Now I still use it for ATM withdrawal and overseas spending.

Bummer. Looks like I'll go back to SC Jump for international and SC PSA for ATM

It's never good Vs SC jumpstart.
Can cut in half also can.
I have always use jumpstart.