48 SMART: May 2013
+Smartan Dad

Thursday, 30 May 2013

Debit MasterCard 1-for-1 Movie Tickets

MasterCard's Delectable 1-for-1 Deal is back! With Debit MasterCard, you can enjoy 1-for-1 movie tickets at Golden Screen Cinemas (GSC) every Monday to Wednesday from 15th May to 15th July 2013.

The promotion is valid only for tickets purchased at GSC and not applicable for tickets purchased online or via mobile applications. Each cardholder will be entitled to one free ticket per transaction per day regardless of the total number of movie ticket purchased. Total 10000 movie tickets will be given away during the campaign.

Besides, you can also register to win monthly Giant shopping vouchers of RM 50 every time you spend RM 200 or more in a single transaction with your Debit Mastercard. Your charge slip must be retained as proof of purchase. Each registered cardholder may win only one voucher throughout the campaign. You can refer to the terms and condition here to understand better.

Tuesday, 28 May 2013

Free SmartTAG with AffinBank Touch 'n Go Credit MasterCard

Affin Bank Berhad and Touch ‘n Go Sdn Bhd have jointly organized a campaign for free SmartTAG with AffinBank Touch 'n Go Credit MasterCard from May 2013 onwards and while stock lasts.

The campaign is automatically open to all new AffinBank Touch ‘n Go Credit MasterCard principal applicant. SmartTAG will be given upon credit card activation with Touch ‘n Go reload performed within 30 days from the card issuance date on first come first serve basis. Each principal cardmember will be entitled for 1 SmartTAG only, regardless of the number of AffinBank Touch ‘n Go MasterCard Credit Cards approved, including supplementary cards.

The main feature of AffinBank Touch ‘n Go Credit MasterCard is that it has Touch ’n Go auto reload function, once the balance dips below RM 50. The reload amount of RM 102 will be automatically deducted from cardmember’s credit card limit.

The benefits of AffinBank credit cards are as follow:

  1. Competitive finance charges in the market
  2. Up to 0.8% cash rebate for retail spending
  3. Annual fee waived for life
  4. Easy Installment Plan (EiPlan)
  5. Balance Transfer Installment Plan (BTiPlan)
  6. Special Cash Reward - RM 50.00 and RM 25.00

Interested to apply for AffinBank Touch ‘n Go Credit MasterCard? Just print the application form and fill up, prepare relevant documents and submit altogether personally via any Affin Bank branch. Personal identification and original income supporting documents must be witnessed by branch personnel.

Thursday, 23 May 2013

Free OldTown White Coffee with RHB Cards

Other than the Fridays' Special, RHB has another ongoing promotion for its Credit and Debit cardmembers, Complimentary OldTown White Coffee, from 15th May to 31st December 2013.

With minimum spend of RM 30 and above in a single receipt, RHB Credit and Debit cardmembers are eligible to enjoy a cup of hot/ cold OldTown white coffee in all OldTown White Coffee outlets except except for all Airports, Legoland, KLCC, Menara MBC, BU8 and Genting Highlands.
Besides that, all existing RHB Credit/ Debit cardmembers (Principal and Supplementary/ Joint)  and new-to-bank approved Credit cardmembers (approved Principal Cardmembers and Supplementary/ Joint) are eligible to enrol in the iPad Mini Giveaway Contest. An iPad Mini will be given away weekly from 15th May to 14th August 2013 via computerized random selection system.
Minimum spend of RM 30 in a single receipt will earn 1 contest entry. Shortlisted participant will be contacted via phone and required to answer 1 question correctly in order to win. Total 12pcs iPad Mini will be given away in the contest. Each participant is only eligible to 1 prize.
So, start spending in OldTown White Coffee with your RHB Cards now, get a free cup of white coffee and stand a chance to win an iPad Mini!

Sunday, 19 May 2013

OCBC Share for More FD Promotion

OCBC is currently having its Share for More Promotion until 30th June 2013. The campaign consists of 3 FD promotions and 1 investment promotion.

The promotions in the campaign are as below table:

FD Tenure
Interest Rate
Joint Account FD promotion
3.55% p.a.
Min RM 5000 deposit and max RM 1 million
3.70% p.a.
Solo Account FD promotion
3.40% p.a.
Min RM 5000 deposit and max RM 1 million
Savings promotion
4.50% p.a.
Min RM 5000 deposit, with 50% of equivalent amount place in CASA
Premier 3-month FD promotion
5.50% p.a.
Premier Banking customer with 3 Product Holding where 1 of the products must be non-deposit Wealth product.

The Joint Account FD offers the highest interest rate among the promotions with up to 3.70% p.a., one of the highest in market currently.

Friday, 17 May 2013

Cash Back for New RHB Credit Card Approval 2

RHB Bank has returned with its credit card cash back campaign with more cash back and benefits compared to its previous promotion. The campaign runs from 15th May to 17th August 2013.

Every eligible customer can get RM 150 cash back when he swipes minimum RM 100 in a single transaction with his newly approved RHB credit card applied during the campaign. The campaign is opened to any individual who is a resident of Malaysia, during the campaign period, within a single application form, applies for any one or more of the following principal RHB credit cards: 

  1.  RHB Infinite Credit Card 
  2.  RHB Platinum Credit Card 
  3.  RHB Platinum-i Credit Card 
  4.  RHB Gold Credit Card 
  5.  RHB Gold-i Credit Card 
  6.  RHB EVO Credit Card 
  7.  RHB Travel Money Credit Card 
  8.  TESCO-RHB Credit Card 

RM150 Cash Back only applicable to principal cardmember only. First spend on supplementary cardmember is not applicable for cash back. Applicant who applies for 2 RHB Credit Cards at the same time will only get cash back ONCE to any RHB Credit Card that meets the minimum RM100 first swipe first.

In addition, cardmember is also entitled for 0% Balance Transfer or 0% Finance Charges for 6 months. Cardmember must indicate in the RHB Generic Credit Card Application Form which option he/she chooses. Minimum amount per Balance Transfer application is RM 3000 and maximum is up to 60% of the total available credit limit. In order to enjoy the 0% finance charges, the cardmember is required to make the minimum payment due on each monthly statement latest by the statement due date.

Tempted to apply for RHB credit card? You can learn more on the cards' features here.

Tuesday, 14 May 2013

CIMB CASA Bundled Step Up FD

CIMB just started a step up FD campaign from 6th May to 31st July 2013 for its individual customers. The promotion is a CASA bundled 8-month step up FD.

Eligible customers just need to place a minimum fresh fund of RM 1000 into their CASA to enjoy the 8-month step up FD promotional interest rates of up to 4% p.a. The maximum placement for the FD can only be up to 2 times of the CASA placement amount, which means about 33% of the total amount needs to be bundled with CASA.

The promotional interest rates for the 8-month step up FD are as follows:
Promotional Rate
Month 1 -- 2
3.25% p.a.
Month 3 -- 4
3.30% p.a.
Month 5 -- 6
3.35% p.a.
Month 7 -- 8
4.00% p.a.

The promotional interest rates are applicable for placement of 1 cycle only. Interests will be paid out upon completion of each single cycle. Payment of interest earned will be credited to the eligible customer's CASA.

The effective interest rate for the 8-month step up FD is 3.475% p.a. only, which is very low because 30% of the placement amount still needs to be bundled with CASA.

Sunday, 12 May 2013

Immediate Interbank Fund Transfer

The Interbank GIRO (IBG) transfer charge is reduced to only RM 0.10 since 2nd May 2013. Maybank2u recently launched another similar service which is known as Immediate Interbank Fund Transfer (IBFT).

With the Immediate Interbank Fund Transfer, you can perform real-time fund transfer, credit card & loan payment. The transfer charge is RM 2.00 per transaction. Let's have a quick overview on the differences between IBG and IBFT from below table:

Transfer Charge
RM 0.10
RM 2.00
Transaction Limit
RM 5000 per transaction 
(shared total limit for IBG and IBFT is RM 10000 daily)
Transfer Schedule
Weekday before 12pm, same day
Weekday after 12pm, next business day (NBD)
Weekend & public holiday, NBD
Account Verification
Key in beneficiary account number, account holder name will be displayed

This is the list of the participating banks. It is really a very convenient tool in case you forget to perform IBG earlier for your credit card or loan payment which is due the next day.

Wednesday, 8 May 2013

AmBank Mother's Day Special FD

Mother's Day will fall on 12th May this year. AmBank is having a FD promotion campaign from 6th May to 31st May 2013 to celebrate Mother's Day. The campaign is exclusively for new and existing female customers.

There are two types of promotion under Mother's Day Special Campaign:
Interest Rate
Min Deposit (Fresh Fund)
 CASA Bundle FD
9 months
3.55% p.a.
RM 20000 (new customer)
RM 10000 (existing customer)
 CASA & Credit Card 
 Bundle FD
9 months
3.65% p.a.

For both promotions, customer needs to have a CASA with AmBank. It is only for AmBank to bank in the interest of the FD, not bundle with the deposit fund. In order to enjoy additional 0.10% p.a. interest rate, customer can choose to apply for AmBank credit card. Card which is cancelled in less than 6 months and reapplied during the campaign period will not be considered as new application.

The additional of 0.10% p.a. is subjected to a minimum spending of RM 350 for Gold Card and RM 500 for Visa Signature and Platinum Cards within 2 months from the card’s approval date. The promotional rate of 3.65% p.a. shall only be accorded for a deposit placement on a maximum of RM 200000 for each eligible customer. Any FD placement exceeding the amont shall only enjoy 3.55% p.a. interest rate.

This is a very good chance for the ladies to deposit with AmBank. The interest rate of 3.65% p.a. is quite good as there are not many FD promotions by banks at this moment.

Friday, 3 May 2013

5% Cash Back on SCB Debit Card Spend

Good news to all Standard Chartered JustOne Account holders! You can now enjoy 5% cash back when you shop at Tesco, Giant, AEON (Jusco) and AEON BiG (Carrefour) nationwide, any day of the week from 1 May till 31 July 2013, when you pay with your JustOne Account Debit Card.

The promotion is open to all existing customers of SCB who hold both of the following: 

  1. A JustOne Account either in their name alone or as primary accountholder prior to promotion period.
  2. Any Debit Card which is linked to their JustOne Account.

The cash back is 5% of the total amount of purchases spent at the merchants using the Debit Card with money from the eligible customer's JustOne Account, irrespective of the number of JustOne Accounts an eligible customer may have, but limited to a maximum total cash rebate of RM 100 per month per eligible customer.

Finally SCB has come up with a good promotion for its existing customers. Start spending with your SCB Debit Card today and enjoy the cash back! Happy shopping!

Thursday, 2 May 2013

Digi PKB Free Smartphone

Digi is giving out free smartphone, Alcatel One Touch Glory 2S, exclusively for those who apply the DG Prepaid Smart Plan via Pakej Komunikasi Belia.

For those who qualify for PKB, you just need to pay RM 50 for DG Prepaid Smart Plan (SKMM) Edition and you can get the phone for free. The RM 50 starter pack has a 3-month validity, free 30 mins voice call and 30 SMS for all local networks and 1.5GB of data.

Let's have a look at the technical specification of the phone:

Android v2.3 Gingerbread
1GHz Cortex-A9
2G: GSM 850 / 900 / 1800 / 1900
3G: HSDPA 850 / 900 / 1900 / 2100
2MP (Rear), no front camera
Internal: 150MB ROM, 256MB RAM
Card slot: Micro SD, max 32GB
MP3, Loudspeaker, 3.5mm jack, FM radio
Micro USB 2.0
62.3 x 115 x 12.2mm
3.5", 256k TFT

According to Digi website, the free phone should come with a free 2GB memory card as well. Also, the phone is originally SIM locked, which means you can only use it for Digi SIM card. However, you can call to Digi careline to manual unlock the phone.

In my opinion, this is really a very good deal. To buy the phone, you can refer to the Digi website on "Where to Buy".


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