48 SMART: July 2013
+Smartan Dad

Wednesday, 31 July 2013

10% Cash Back at All Petrol Stations with RHB Travel Money

RHB is giving out up to 10% cash back for petrol purchase at all petrol stations nationwide with its Travel Money Credit Card, starting from 1st August until 31st October 2013.

This is how the cash back works for Travel Money cardmembers during the campaign:

Cash Back
Reward Point
Petrol Purchases during 1st weekend of the month 
(3 – 4 Aug, 7 – 8 Sep, 5 – 6 Oct 2013)
No points
Petrol Purchases during other weekends of the month
No points
Petrol Purchases during weekdays
No points
Spend on flight tickets, travel packages, car rental, duty free & sea cruise packages 
(purchased in Malaysia)
RM 1 spent = 2 points
Other Retail Spend (Excluding Petrol, Cash Advance, Balance Transfer, Fees and Charges)
RM 1 spent = 1 point

The cash back is based on on 20% of total monthly retail spend which includes retail purchases, petrol, utilities, dining and travel expenditure. Maximum cash back is RM60 per month for both Principal and Supplementary Card. The cash back earned will be credited into the Principal cardmembers’ account.

If you're RHB Travel Money cardmembers, this is a good time to spend with your Travel Money to get cash back on petrol purchases and collect reward points on others!

Tuesday, 30 July 2013

Maybank Loyalty & Rewards Campaign

Maybank is giving out rewards to all customers who open or top up their deposits account in the Loyalty & Rewards Campaign, from 1st July to 31st December 2013. Earn additional 1.10% p.a. interest/dividend in your deposit account and also stand a chance to win Monthly Cash Bonus of RM 500 and the Grand Finale Cash Bonanza up to RM 50000.

When you open/top up into your CASA with Maybank,  you can enjoy additional returns on your savings, calculated on incremental average daily balance (ADB):

Conventional Scheme
Islamic Scheme
Participating Products
Premier 1
Premier Savings
Maybank2u Premier
Golden Savers
Premier Mudharabah Account-i
Additional Return
1.10% p.a.
1.10% p.a.
Highest Effective Return
3.10% p.a. *
3.85% p.a. **
Incremental ADB
Min: RM 5000
Max: RM 1.0 Million
Min: RM 1000
Max: RM 2.0 Million

* Based on highest tier interest rate for Golden Savers Account plus the additional 1.10% p.a.
** Based on Premier Mudharabah Account-i eligibility to enjoy 1-month General Investment          Account-i indicative rate plus the additional 1.10% p.a.

You could stand a chance to win Monthly Cash Bonus and also the Grand Finale Cash Bonanza of RM 50000 in December by increasing CASA by a minimum of RM 150 monthly. A total of 450 lucky customers will be randomly selected and awarded with RM 500 each month (75 winners per month).

For the month of December, 3 lucky winners will be randomly selected and be in the running to win cash prizes ranging from RM 10000, RM 15000 and RM 50000 respectively.

Monday, 29 July 2013

SCB JustOne & Credit Card Bundle Promotion

Are you looking for a Savings Account with interest rate of up to 3.00% p.a.? Standard Chartered Bank is bundling its JustOne Account and Credit Card to offer you the promotional interest rate from 11th June 2013 until 31st December 2014.

The campaign is open to all Standard Chartered Bank's customers age over 21 who:
  1. Are Personal Banking customers holding JustOne Personal Accounts or Preferred Banking customers holding JustOne Preferred Accounts. These accounts must be opened before or during the campaign period in their name alone; and
  2. Hold either a Visa translucent Credit Card, Platinum Credit Card, Business Platinum Credit Card, Preferred World MasterCard or WorldMiles Credit Card before 1st October 2013 as principal cardholder; and 
  3. Have maintained their accounts in good standing, without any breach of the terms and conditions or agreements, throughout the campaign period.
Note: members of Standard Chartered Priority Banking, regardless of whether they hold any JustOne Personal Account or JustOne Preferred Account, are not eligible to participate.

Eligible customers will be able to enjoy the benefits below:
  1. For Personal Banking customers, a bundle interest of 1.75% p.a would be applied up to RM 50000 only of the JustOne Personal Savings Account balances;
  2. For Preferred Banking Customers, a bundle interest of 1.50% p.a. would be applied up to RM 100000 only of the JustOne Preferred Savings Account balances.
Note: a minimum balance of RM 1 must be maintained to earn interest. Interest is calculated on simple interest calculation and accrued daily. The bundle interest earned will only be credited at the end of the following month.

In order to get the extra interest rate above, eligible customers must meet below criteria:
  1. Fulfill the JustOne Account monthly deposit requirement as described in the JustOne Account terms and conditions throughout the campaign period; and
  2. A minimum monthly spent of:
  • RM 1500 on credit card for Personal Banking customers;
  • RM 3000 on credit card for Preferred Banking customers; 
Note: points purchases, cash advances, interest, fees or charges, disputed transactions, any type of balance transfers and any type of installment payment plans will not count. Transactions by supplementary cardholders will count though.

I think that the promotion is not that attractive because you have to maintain a minimum spend with SCB Credit Card while the interest rate you get is just 3.00% p.a., only a little higher than OCBC Smart Saver Savings Account.

Thursday, 25 July 2013

RHB Signature Credit Card Unlimited 5% Cash Back

RHB Signature Credit Card is a Visa Credit Card targeted for people who like to travel the world in style and go on an adventure. Anything is possible with the RHB Signature Credit Card, excite you with unlimited rewards and exclusive privileges.

These are the exclusive services that come with RHB Signature Credit Card:

  1. Unlimited 1% cash back on all online and overseas transactions.
  2. 0.5% cash back on all other transactions, excluding petrol, government, cash advance & charity transactions, maximum capped at RM 200 per month.
  3. 4x complimentary access into Plaza Premium Lounges in Malaysia for a calendar year.
  4. Complimentary and discounted golf privileges at over 30 golf courses worldwide.
  5. Annual fee waiver with a total minimum card spend of RM 50000 per annum.
  6. Travel insurance with coverage of up to RM 2 million

From now until 31st December 2013, enjoy unlimited 5% cash back on all online and overseas spend when swiped with RHB Signature Credit Card.

To apply for the card, the minimum income required is RM 80k per annum. The minimum credit limit for RHB Signature Credit Card is RM 30000. Successful applicant will get first year annual fee waiver and two years annual fee waiver for supplementary card.

If you frequently fly around the world, this is the card for you. Apply it through RHB Branches, any RHB Roadshow or online today.

Wednesday, 24 July 2013

KFH Junior International Commodity Murabahah Deposit-i Promotion

Other than Bank Rakyat, Kuwait Finance House is another islamic bank that gives high profit rate on term deposit. There are currently 2 term deposit promotions offered by KFH, namely the Junior ICM Deposit-i and the International Commodity Murabahah Deposit-i.

The Junior ICM Deposit-i promotion started from 15th July and ends on 31st October 2013 or upon reaching target of RM 100 million, whichever comes first. The campaign is applicable to individual customers, aged below 18 years, whom are Malaysians and foreigners. To participate, parents/ guardians of the customers are required to open or maintain an In Trust Savings Account or Primary (CASA) for profit payment purposes.

The minimum placement amount for Junior ICM Deposit-i is RM 1000. The profit rate is 3.98% p.a. with tenures of 12 months, 15 months, 18 months, 21 months and 24 months. Upon maturity, principal amount and profit will be credited into customers' CASA. No renewal is allowed.

The ICM Deposit-i promotion is similar to the previous KFH promotion, but with lower profit rate, which is 3.80% p.a. The promotion started from 1st July and ends on 30th September 2013 or upon reaching target of RM 350 million, whichever comes first.

Both Deposit-i products are eligible for protection by PIDM. These two promotions currently offer the highest profit rate in the market.

Monday, 22 July 2013

CIMB Cash Rebate Platinum MasterCard

CIMB has finally joined in the family of Cash Rebate Credit Card with its Cash Rebate Platinum MasterCard. It is a credit card that rewards cardmembers for shopping online while offering competitive cash rebate programme for other retail purchases.

These are the features of the new card:

  1. Get 5% cash back on all online spend, maximum rebate capped at RM 30.
  2. Get 2% cash rebate on groceries and petrol.
  3. Get 2% cash rebate on mobile & utility bill payments (via Standing Instruction).
  4. Get 0.2% unlimited cash rebate on other retail spend.
  5. Get 10% unlimited cash rebate on retail interest charged.

As an introductory offer, from now until December 2013, successful applicants will receive RM 50 welcome bonus. During this period, the maximum limit of RM 30 for E-commerce is not applicable and therefore the Cardholder can earn up to RM 50 cash rebate per month inclusive of cash rebate earned from petrol, groceries and bill payment.

There is also additional cash rebate on the participating merchants with E-Commerce related transactions or payments for purchases made online stated in the table below:

Participating Merchants
Additional Cash Rebate
GSC Online
iTunes Applications
Google Playstore
Airlines Online

Note: Only cardholder who does not exceed the monthly maximum cash rebate of RM 50 is eligible for the additional cash rebate

Besides, cardholders also get to enjoy additional retail merchant discount on transactions made at the specific participating merchant outlets/ transactions made through the website set out below:

Participating Merchants
Retail Merchant Discount
Mode of Discount
Upfront discount
San Francisco Coffee
Upfront discount
Cash rebate to be credited by 15th of the following month
(login via agoda.com/cimb)
Upfront discount

  1. The retail merchant discount at ISETAN is applicable only on weekends (Saturdays and Sundays) and is subject to a maximum cash rebate of RM 50 per month for both Principal and Supplementary Cardholders.
  2. The total monthly retail merchant discount amount claimed at ISETAN by CIMB’s cardholders has not exceeded the sum of RM 60000 allocated by CIMB for this purpose.

This card is better than UOB Vox which gives the same amount of cash rebate for online shopping. If you love to shop online, this is certainly the card for you. You can apply now by filling in this form.

Sunday, 21 July 2013

RHB 5% Cash Back on Weekend Shopping

RHB Credit Card has brought another promotion for its cardmembers, the 5% cash back weekend shopping on selected departmental stores, from 19th July to 30th September 2013. This promotion is applicable to all RHB Credit Cards (Principal and Supplementary) except Business Card and RHB Islamic Credit Cards.

This campaign is applicable to 5 selected departmental stores nationwide i.e. AEON Stores, Metrojaya, Parkson, Robinsons and Sogo. For each transaction made at these 5 selected departmental stores nationwide, cardmembers will be entitled to a 5% cash back during Friday, Saturday and Sunday.

There is no minimum spend required for this promotion. The total accumulated cash back is capped at maximum RM 100 per month for both Principal and Supplementary. The cash back earned will be credited into the Principal cardmembers’ account 6 to 8 weeks after the campaign ended.

To participate in this campaign, Principal cardmembers are required to register via SMS:

  • Type DS16 digits of your RHB Card No. and send to 66399 
  • A reply SMS confirmation will be sent
  • Principal cardmembers with multiple RHB Bank Credit Cards are only required to register once during the entire campaign period. 

Saturday, 20 July 2013

Padini Concept Store@Discount up to 50%*!

*PROMOTION : Padini Concept Store@up to 50% Discount*!

Padini is offering 50% off for RAYA sales.

*PROMOTION PERIOD:  20/July/2013 ~ 08/Aug/2013


Ochado@Buy 1 FREE 1*!

*PROMOTION : Ochado@Buy 1 FREE 1*!

Ochado is offering BUY 1 FREE 1 promotion for celebrating of Ramadan & 2nd anniversary at all Ochado outlets in Malaysia.


RAMADAN Promotion:
19/July/2013 ~ 28/July/2013 (7:00pm ~ 9:00pm)

Ochado Second Anniversary Promotion:
29/July/2013 ~ 04/Aug/2013 (12:00pm ~ 2:00pm, 8:00pm ~ 10:00pm)


1. Valid at all Ochado outlets in Malaysia except Ochado Redang & Jonker Street.
2. Valid with every drink purchased (RM5.90 and above). 

Friday, 19 July 2013

Hong Leong FD Bonus Interest with Credit Card Application

In addition to the Fabulous FD promotion, Hong Leong is concurrently having another promotion, known as 3% p.a. Additional FD Interest Bonus on FD Placement Credit Card Campaign. The promotion started from 1st July and ends on 30th September 2013.

The promotion is open to all customers who performed the FD placement and sign up with HLB Credit Card during the campaign period. The following customers are eligible to participate:

  1. Must be Primary FD account holder with new FD placement of RM 10000 and above on these 2 products, 3 months conventional FD and Fabulous 3 months FD bundling with CASA promotion at 3.3% p.a. 
  2. Do not currently hold any valid principal HLB Credit Card and are successfully issued with new principal HLB Credit Card such as Hong Leong Visa and MasterCard Credit Card, but excluding Classic, INGIAFAM, ACCCIM and AMEX Card.

Note: Only valid for credit card application during Campaign Period and credit card approved latest by 31st October 2013 and activated.

The bonus interest will be credited into the cardholder’s credit card account within 45 working days
upon the maturity of the FD placement. The bonus payout is computed based on the first RM 10000 of the FD placement only, regardless of the FD placement amount which may be more than RM 10000.

The cardholder needs to perform 1 retail swipe within 45 days from the HLB Credit Card approval date to get first year annual fee waiver and RM 50 cash rebate which will be credited into the credit card account. If you still do not have a HLB Credit Card, it's a very good time to apply for it.

Wednesday, 17 July 2013

Microsoft Surface RT Price Cut

Surface RT was officially launched in Malaysia  on 25th April 2013. After just not more than 3 months of launch, Microsoft recently announced that its Windows RT-powered tablet would be getting a price cut of as much as 30 percent.

With the price reduction of RM 450 across all variants, the stand-alone 32GB Surface RT now costs RM 1549 1099  while the 64GB variant is priced at RM 1849 1399. As for the Touch Cover bundle, they are now listed at RM 1849 1399 for 32GB and RM 2149 1699 for 64GB respectively. This is a move by Microsoft to boost the sales of the tablets. You can refer to the spec for 32GB Surface RT here.

At the same time, there is an educational promotion available to K-12 and high-education institutions in Australia, Austria, Belgium, Canada, China, Denmark, Finland, France, Germany, Ireland, Italy, Japan, Korea, Mexico, Luxembourg, the Netherlands, Norway, Portugal, Russia, Singapore, Spain, Sweden, Switzerland, the U.K., and the U.S.

The promotion is valid from 24th June to 31st August 2013, offering 32GB Surface RTs without a keyboard for USD 199 (~RM 600), tablets with a touch keyboard for USD 249 (~RM 750), and those with a type keyboard for USD 289 (~RM 870). Too bad the promotion does not include Malaysia.

Would you consider getting yourself a Surface RT after the big price slash? For me, I would rather get a Windows 8 laptop with touchscreen than a Surface RT as the apps are very limited. Let's see will Microsoft have another round of promotion after this.

Monday, 15 July 2013

Hong Leong Islamic Term Deposit-i Promotion

Hong Leong Islamic Bank is back with Term Deposit-i promotion, starting from 1st July and ends on 31st August 2013 or upon reaching RM 500 million funds, whichever comes first. The campaign is open to all new and existing Individuals including Malaysian and non-Malaysian Residents and Non-individuals customers.

The promotional HLTD-i rates are offered for 6-month, 9-month and 12-month tenures as follows:

Profit Rate
3.30% p.a.
3.40% p.a.
3.50% p.a.

The placement must be from new fund with minimum deposit amount is RM 10000 and maximum is RM 1000000 per customer (RM 2000000 for Priority Banking customer). 

The profit rate for this promotion this time is lower than that of the promotion earlier this year.

Friday, 12 July 2013

Ninetology Pearl Mini with Pakej Komunikasi Belia

After Alcatel One Touch Glory 2S and CSL Switch Star Neo Mi363, Ninetology has joined in the race to give subscribers of Pakej Komunikasi Belia (PKB) exclusive discount to purchase its smartphone, the Pearl Mini, at a price of RM 99, from 15th June until 15th August 2013.


The smartphone recommended retail price (RRP) is RM 399. With PKB RM 200 deduction and additional RM 100 rebate from Ninetology for the Hari Raya Promotion, the phone is only RM 99 to the eligible customer.

Let's compare the spec of Pearl Mini with CSL Switch Star Neo Mi363 which is in the same category:

 Ninetology Pearl Mini
CSL Switch Star Neo Mi363
 62 x 115.3 x 11.8mm
60.5 x 114 x 12.8mm
 Qualcomm 1.0 GHz
Qualcomm Snapdragon S1, 1.0GHz
 Android v2.3
Android v2.3.5 Gingerbread
 GSM 900/ 1800 MHz,
 WCDMA 2100MHz
GSM 900/ 1800 MHz,
 HSDPA, ≤7.2 Mbps,
HSUPA 5.76 Mbps and
HSPA+ 7.2 Mbps
 3.5" Capacitive Touchscreen
3.5" TFT Capacitive Touchscreen
 HVGA 320 x 480
HVGA 320 x 480
 2MP (Back), no front camera
2MP (Back), no front camera
 Internal: 512MB ROM, 256MB RAM
 Card slot: Micro SD, max 32GB
Internal: 512MB ROM, 256MB RAM
Card slot: Micro SD, max 32GB
 802.11b/g/n, WIFI hotspot
802.11b/g/n, WIFI hotspot
 BT 3.0
2.1 with A2DP
 3.5mm jack, FM radio
Loudspeaker, 3.5mm jack, FM radio
 USB 2.0
Micro USB 2.0
Talk Time
 Up to 3.5 hours
Up to 6 hours
Standby Time
 Up to 220 hours
Up to 40 hours
 Li-Ion 1300mAh
Li-Ion 1300mAh

The phone has similar spec with CSL Switch Star Neo Mi363 but it comes with additional apps like AirAsia, Tunetalk and Facebook. The phone is currently offered in black and white. You can get the phone from Ninetology Dealers here

Wednesday, 10 July 2013

AmBank Top Rate Special Bundle Promotion

AmBank has come back with its Top Rate FD promotion from 1st July to 31st July 2013. It is a special bundle FD promotion whereby a 9-month tenure FD is bundled with a 36-month/ 48-month/ 60-month tenure FD.

The campaign is open to all new and existing AmBank individual customers and non-individual customers who open and/or maintain a 9-month tenure FD bundled with either 36 or 48 or 60 months’ tenure account for the following accounts during the campaign:

With AmBank:
a) Conventional Fixed Deposit
b) Am50Plus

AmIslamic Bank:
a) Am50Plus Investment Account-i
b) AmAdvance Investment Account-i

The deposit payments must be made with fresh funds. The minimum deposit required for existing customers is RM 10000 for individuals and RM 25000 for non-individuals.

Tuesday, 9 July 2013

OCBC Mega Save Promotion

OCBC has launched another series of FD promotion, the Mega Save Promotion, from 1st July until 30th September 2013. The promotion consists of 6 products and is open to individual customers.

The promotion details are summarized in the table below:

FD Tenure
Interest Rate
Save Together Deal (Joint)
3.70% p.a.
Min RM 10000 placement and max RM 500000 deposit.
Save Solo Deal
3.40% p.a.
Min RM 10000 placement and max RM 1000000 deposit.
Investment Deal
4.00% p.a.
Purchase any one or more of the selected OCBC Investment products.
Savings Deal
4.50% p.a.
Min RM 10000 placement and max RM 1000000 deposit, with 50% of equivalent amount place in CASA.
Premier Bank Deal
5.50% p.a.
Premier Banking customer with 3 Product Holding where 1 of the products must be non-deposit Wealth product.

There's another promotion on foreign currency time deposits. Eligible customers can enjoy additional 5.00% p.a. interest rate for 1-month tenure for the selected currencies as below:

Prevailing Board Rates (27th May 2013)
Promotional Rates (Additional 5.00% p.a.)
Australia Dollar (AUD)
2.25% p.a.
7.25% p.a.
New Zealand Dollar (NZD)
1.84% p.a.
6.84% p.a.
British Pound (GBP)
0.14% p.a.
5.14% p.a.
Singapore Dollar (SGD)
0.09% p.a.
5.09% p.a.
United States Dollar (USD)
0.00% p.a.
5.00% p.a.
Chinese Yuan (CNY)
0.50% p.a.
5.50% p.a.
Canadian Dollar (CAD)
0.12% p.a.
5.12% p.a.
Japanese Yen (JPY)
0.02% p.a.
5.02% p.a.
Euro Currency (EUR)
0.00% p.a.
5.00% p.a.

The Mega Save Promotion is almost similar to the previous promotion with the add on of foreign currency time deposits product. The only difference is that the minimum deposit amount is increased from RM 5000 to RM 10000.


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