48 SMART: May 2012
+Smartan Dad

Wednesday, 30 May 2012

Hong Leong Bank Debit Card Promotions

Hong Leong Bank is currently doing a lot of promotions on its Debit Card. The Hello Kitty Debit Card is one of Hong Leong Bank's great effort to get more new Debit Card holders. Moreover, there are two promotions  offering cash rebates that can even beat the Credit Cards.

8% Cash Back on RM50 spent on petrol in single receipt

  • This campaign runs from 1 March 2012 to 30 June 2012.
  • Cash back is capped at RM4 per receipt and a maximum of RM20 per customer.
  • Total cash back payout is capped at RM116,000 throughout the Campaign Period and is on a first come first serve basis.

3% Cash Back on min RM500 spent monthly on Retail Shopping, Groceries or Dining outlets

  • This campaign runs from 1 March 2012 to 30 June 2012.
  • Required to spend a minimum of RM500 per month with a minimum of RM100 in a single receipt at any Retail Shopping, Groceries or Dining outlets.
  • Cash back is capped at RM15 per month and a maximum of RM60 per customer.
  • Total cash back payout is capped at RM60,000 throughout the Campaign Period and is on a first come first serve basis.

Tuesday, 29 May 2012

Debit Card

Debit Card is an ATM and payment card that is linked to your Current or Savings Account. You can withdraw cash like conventional ATM card, and also make purchases at most of the merchants worldwide.


  1. No RM50 Government Service Tax (GST)
  2. Pay bills, fund transfers & online purchases via Internet
  3. No monthly interest rates & late payment charges
  4. Better financial control, set retail purchase limit
  5. Low eligibility age from 12 years old onwards
  6. Earn reward points/ get cash back

Debit cards are very suitable for teenagers and students. By using debit cards, teenagers can learn how to manage their own money without spending over the limit. They can go shopping without carrying too much cash and yet they can get cash back/ reward points by swiping.

Thursday, 24 May 2012


How lucky for Malaysian.Since 1Malaysia branding has provides many special pricing goods to people from convenience store, clinic, mineral water and now it is 1Malaysia Tab.

The 1Malaysia Tab is priced at RM999 for first 999 units. Target sales by them was 5,000 units.
I'm sorry because i couldn't manage to get much technical aspect of the tablet. Just it is an Android-based 7-inch tablet with 3-megapixels camera. The creator is MalTechPro Sdn. Bhd. maybe you can get more information from MalTechPro through their email or website. 


Good luck friends!

Wednesday, 16 May 2012

AmBank AmGenius Savings Account

I have been searching high and low for a child saving account with highest interest rate for my child. After doing some comparisons among child saving account of local banks, I found out that Ambank offers the highest interest rate which is equivalent to one month FD rate, 3%. The limitation is that there can only be 1 withdrawal per month.

Main Features

• Free Personal Accident Insurance up to RM50,000.
• Free Coin Box (refer to photo above) for opening account with RM300 & above.
• High interest rate equilvalent to 1-month FD rate according to account balance.
• Only 1 withdrawal per month
• Interest credited into account monthly

Requirements & Eligibility

• Minimum age: 18 years & below
• Minimum opening amount: RM1
• Minimum balance to maintain: RM10

Current Interest Rate

• Up to RM50,000 3.00%
• Above RM50,000 1.00%

The coin box is not that solid, the camel was parted from the coin box after my child used it for less than 3 months.

Saturday, 12 May 2012

Skim Simpanan Pendidikan Nasional

Most parents start to save money for their children's future education fund since their children were born. There are many education savings and funds out there. The only one that is entitled for income tax deduction is SSPN, a saving scheme under PTPTN for the purpose of higher education.

Main Features

  1. Tax relief of up to RM3000 per annum.
  2. Free insurance coverage for depositors with savings of RM1,000 and above.
  3. Competitive dividend rate and exemption from income tax.

How to Apply?

  1. Print the application form and fill in.
  2. Bring a copy of applicant's IC and beneficiary's birth cert/MyKid.
  3. Walk in to nearest PTPTN agents (BSN, CIMB, Bank Islam, Maybank).
  4. Submit the application form and related documents to the agent.
  5. Minimum amount deposit is RM20.

How to Do Additional Saving?

  1. When the application is received by PTPTN, a SSPN card will be sent to the applicant.
  2. This is a confirmation from PTPTN that the application is verified and approved.
  3. Applicant can then increase deposit by means of counter, online or salary deduction.

Wednesday, 9 May 2012

Road Tax Renewal

In my previous post, I shared about how to renew your car insurance online. The next thing to do is to renew road tax. There are 3 ways to renew your road tax:

1. JPJ

2. Post Office

3. Myeg

To renew through JPJ and post office, you need to bring your car grant together with the insurance cover note. The renewal record will be printed on the car grant as a proof. If your car is under hire purchase loan, your car grant is usually kept by the bank. Anyway, you can get the car grant from the bank by contacting the branch which processed your hire purchase.

However, if you do not have time or do not like the hassle of going to bank, you can renew your road tax through myeg. The road tax will be delivered to your doorstep by courier service, you just need to pay the RM8 for the courier charges and save the hassle from travelling to bank, JPJ or post office.

No matter how busy you are, you still can DIY for renewal of car insurance and road tax online. You can save around 15 ~ 20% from the traditional method of getting a runner's service.

Monday, 7 May 2012

Samsung Galaxy SIII

Finally the day has come. Samsung has showed the new upcoming Android smartphone of Samsung Galaxy S3 (i9300) which is the third generation device from Galaxy S series model.

Now we review on the spec,

Android Operating System Version: 4.0.4 Ice Cream Sandwich.
: Quad Core Processor 1.4 GHz Exynos 4212
: 4.8 inch, Super AMOLED HD with 720p display.
Primary Camera:
8 MP, 3264x2448 pixels, autofocus, LED flash
Camera Features: Simultaneous HD video and image recording, geo-tagging, touch focus, face and smile detection, image stabilization
Secondary Camera
: 1.9 MP 720p @30fps.
: Yes.
GPU: Mali-400MP.
: Accelerometer, RGB sensor, gyro, proximity, compass, barometer.
Internal Memory: 16/32/64 GB storage variants
: HTML, Adobe Flash 10.1 higher for playing flash and facebook games too
Touch: Capacitive touch screen display with corning Gorilla Glass 2 protection and Touch Wiz 4.0 UI.
Bluetooth 4.0
: Yes with A2DP, EDR
WLAN: Wi-Fi 802.11 a/b/g/n, DLNA, Wi-Fi Direct, Wi-Fi hotspot
Radio: Stereo FM radio with RDS
: 3G, 4G and Wi-Fi b/g/n, HSPA+21 / LTE (Regions) with speeds of HSDPA, 21 Mbps; HSUPA, 5.76 Mbps
Card Slot: (It’s good to know that it still has a card slot) Yes up to 64 GB
GPS: Yes with A-GPS Support and GPS support and GLONASS
Battery: 2100 mAh
for lasting long battery life and also wireless charging extra
Weight: 133 g
: marble white and pebble blue

Its not giving me big surprising on above spec. Personally think that the design of the phone shape is not attracting me. Maybe the curved from edge on Samsung Galaxy S3 has lower down the "design cool" feeling.
but overall spec given still awesome. But maybe I'm going for Samsung Galaxy SII LTE version.

Samsung Galaxy SII LTE has ultimate upgrade on 1.5GHz duo core processor, 1GB ram, 16GB capacity, 8MP camera, 2.0MP front camera, * 1830mAh battery.
it is still SUPER AMOLED Plus with 4.5inch (480 x 800 pixel). but the body thickness of the phone increased to 9.39mm. But the question is when will the S2 LTE release in Malaysia?

Saturday, 5 May 2012

Renew Your Car Insurance Online

Do you know that you can get additional 10% discount when you renew your car insurance online through Motor Takaful? The renewal process is very straight forward and you can save 10% by DIY. I'll show you a step by step guide as I myself have just done it and got total 65% off (NCD 55% + extra 10%). You need to have either your car grant or previous insurance cover note for car information.

  • Once you log on to Motor Takaful website, scroll down to the Check Your NCD now section and key in your plate number, IC and choose your previous insurance company from drop down list.

  • After you click the Confirm NCD button, system will display how much NCD you are entitled.

  • Click GET IT NOW to proceed.
  • The next screen you will need to key in below information:
    a) Contact Information
    b) Vehicle Information
    c) Your Coverage Information
    d) Your Sum Covered Information - Proposed sum insured. Key in the sum you wish to cover.
    e) Additional Coverage - Remember to select Numbers of Drivers (free for first two).
    f) Amount Payable - Click on Calculate, System will calculate the final amount based on NCD.

  • Then the next screen will display all the information you entered. Double check the information to make sure that they are all correct. Read through terms & conditions and tick I agree to the agreement, click I agree.
  • The next one is payment method selection, you can make payment through Maybank2u, FPX/MEPS or Credit Card. Choose and click proceed to pay.

  • After payment is successful, system will bring you to transaction receipt information where you can print receipt and e-cover note on the spot, you can choose to renew roadtax through myeg as well.

Friday, 4 May 2012

The Cheapest Post Paid Package by Celcom

I had been using post paid package by Maxis for more than 5 years. I'm a light user and my monthly average phone bill was around RM25, RM10 for monthly subscription and RM15 for SMS and phone calls.

In mid of 2011, I came across a package offered by Celcom dealer in conjunction with a supermarket. You just need to be main line for non-Celcom mobile service, be it prepaid or post paid, and you need to be the member of the supermarket as well, membership is free of charge.

After considering for some time, I asked my family to convert to Celcom. The contract is valid for 24 months and the first month each line is charged for RM10 stamp duty with monthly commitment of RM2. This package is actually the same as Celcom biz Voice Plan P98 which you need to pay RM98 monthly if you walk in to Celcom centre.

It has been 5 months since I switch to Celcom and my monthly average phone bill has dropped 50% to RM10 as monthly fee is much lower and I can enjoy 3000 minutes of free calls with people under the same corporate. Although the line is not as clear and good as Maxis, it is still a very good deal.

I heard that Celcom dealer is doing this promotion for some MNCs like Intel, Sony and Dell too. If you come across Celcom roadshow, you may approach and enquire about this great package.

Wednesday, 2 May 2012

Samsung Galaxy SIII Pre-info

This is the time that I'm awaiting. Samsung Galaxy S3 launch date has been announced as May 3, which is tomorrow. The event of introduction will be take place at Earls Court in London.

Today we just see what is rumor that surrounding the web in the world.

 Model will be GT-I9300 and with android version of 4.0.4.
 Top view of the new S3.

There will be in color of Blue or white only? just stay tuned and see.

Tuesday, 1 May 2012

Samsung Galaxy SII's rolling with Ice Cream Sandwich!!

Dear all Samsung Galaxy SII's,

Hoola! It's been a bit of a wait but now you may get Ice Cream Sandwich in your phone update soon.
Rumors saying that ICS having better interface, better battery consumption, better keyboard and improvements to Touchwiz interface, once you 've done the update you'll have access to some Anroid 4.0 exclusive apps, like Chrome.

Just stay tuned!


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