AEON Card Merdeka Special Rebate on Petrol

The New AEON Credit Card is the only AEON card that gives 5% cash rebate to its cardholders on last Sunday of each month. In conjunction with the Merdeka Day celebration, AEON is extending the 5% cash rebate on petrol purchase in all petrol stations in Malaysia to all existing Principal and Supplementary Credit Cardholders from 23rd August until 1st September 2014.

All existing Principal and Supplementary Credit Cardholders listed below are eligible to enjoy the savings on petrol purchase except for AEON Prepaid MasterCard Cardholder:

1. NEW AEON Gold Visa/MasterCard
2. NEW AEON Classic Visa/MasterCard and Jusco Gold/Classic Visa
3. AEON WATAMI Classic Visa
4. AEON Gold Visa/MasterCard
5. AEON Classic Visa/MasterCard
6. Cruize Gold/Classic Visa
7. Motorcycle Visa Gold and Japan Club Gold

To participate in this campaign, eligible cardholders are required to spend at any petrol station in Malaysia during the campaign period. The maximum cash rebate awarded for purchases made by Principal and Supplementary Cardholders shall be capped at RM 50 per month. 

Transactions made by a Supplementary Cardholder will be aggregated with those of the Principal Cardholder but only the Principal Cardholder will be entitled to enjoy the redemption of the rebate on fuel Spent. The total rebate earned will be indicated on the monthly statement of account addressed to the Principal Cardholder.Rebate on Fuel spent will be reflected in the following month’s statement.

CIMB Cash Rebate MasterCard RM150 Online Cash Back

From 1st August until 31st October 2014, CIMB is giving out RM 150 cash back to all new to bank customers who successfully apply for CIMB Cash Rebate MasterCard through the Let-Us-Contact-You (LUCY) channel. New to bank customer shall mean any person who has not held any CIMB credit card for the last 6 months prior to the campaign period.

Maybank Islamic MasterCard Ikhwan Card-i

The Maybank Islamic MasterCard Ikhwan Card-i is an Islamic Card based on the Shariah contract of Ujrah (fee on service). It is universally accepted and can be used like any other credit card. It is the first card by Maybank that gives meaning to your spending. Every ringgit you spend, Maybank Islamic will contribute 0.1% for charity purposes. 

SCB Bill Payment Cash Rebate Campaign

Travel without worries when you use Standard Chartered Online Banking and Breeze Mobile Banking. You can pay to 100 billing organisations securely. It's good when convenience is rewarding as well. From 21st July until 20th December 2014, pay 4 bills online or via Breeze mobile and you can get up to RM 20 cash rebate every month.

Hong Leong PEx Duit Raya Campaign

Hong Leong PEx lets you send money to anyone with just their mobile numbers. From 28th July to 26th August 2014, there will be zero PEx service and for every PEx transaction to each unique mobile number, sender will get RM 1 rebate. The campaign is open to all customers of Hong Leong Bank and Hong Leong Islamic Bank who have or yet to register as Connect users.

Hong Leong The Store & Pacific Cards

The Store is a leading operator of supermarkets, departmental stores and hypermarkets in Malaysia. It is also the oldest existing supermarket cum departmental chain in Malaysia. It is recognized as the largest supermarket and departmental chain by The Malaysia Book of Records, with 51 supermarkets & departmental stores established in every state of the Peninsular Malaysia. Pacific is a subsidiary wholly-owned by The Store, with 7 outlets operating as hypermarket and departmental store.

Earn RM50 Groupon Rebate with Maybank AMEX Card

Groupon (a short name for "group + coupon") is a deal-of-the-day website that features discounted gift vouchers usable at local or national companies. Groupon Malaysia is one of the largest deal websites in Malaysia and offers you variety of selections, from food, gadgets, spa and beauty treatments to wonderful vacation packages.

Alliance Hybrid Debit MasterCard

Nowadays it is not so safe to carry a lot of cash when you go out. Therefore, for people who do not own a Credit Card or do not wish to have a Credit Card, you may want to consider Debit Card. There are a lot of Debit Cards available in the market. However, in terms of cash rebate, Alliance Bank has a series of Debit Card that gives the most attractive cash back.

AEON Credit Card New Features

AEON initiated a series of rebranding promotion for AEON BiG in Year 2013, including the announcement of AEON BiG Thank You Day on every 28th of the month and the launch of its free AEON BiG Membercard. Now, AEON Credit Service under AEON Group had added new features to its Credit Cards to attract more new customers.

There are a few types of Credit Card offered by AEON Credit Service. The most popular ones are NEW AEON Credit Card and AEON Watami Credit Card. The NEW AEON Credit Card is a credit card linked to the AEON MEMBER Card (previously known as J-Card) to collect AEON MEMBER Points with the features as below:

1. Earn 2x Points for every ringgit spent in AEON Stores.
2. Earn 1x Point for every RM 2 spent elsewhere.
3. Earn 2.5x Points for every ringgit spent in AEON MEMBER Privilege Day.
4. Earn 500 extra Points for spending RM 200 and above in AEON MEMBER Fiesta Day.
5. Receive 2% Cash Rebate for spending in AEON MEMBER Day.
6. Enjoy free access to KLIA Plaza Premium Lounge up to 6x times a year (for Gold Card).

The new features added are as below:

1. Earn 4x Points every RM1 spent at AEON Stores on Double Points Day (Every 10th).
2. Enjoy 5% Rebate at AEON (No CAPPING) on Thank You Day (Every 20th).
3. Enjoy 5% Rebate at AEON BiG (No CAPPING) on Thank You Day (Every 28th).
4. Enjoy 5% Rebate at any Petrol Station (Capped RM50) on Petrol Rebate Day (Every Last Sunday). Applicable to all AEON Credit Cards.

The points earned can be used to redeem AEON Gift Voucher that does not have an expiry date. With 2500 points, AEON member can redeem a RM 20 voucher, which is equivalent to 1.6% rebate for spending in AEON. This card is very suitable for you if you are a frequent shopper in AEON and AEON BiG.

OCBC World MasterCard

I received a letter from OCBC a few days back, explaining on the reasons why they are making changes on the OCBC Titanium Card. I was quite surprised to receive this letter from OCBC as there was no paper notification on the changes previously.

I'm quite agree with what was mentioned in the opening. Credit Cards offered in Malaysia have several common characteristics:

1. Big rebate % but only limited to 2 - 3 specific categories e.g. Petrol, Groceries and Utilities. On other spend, the rebates and rewards are typically much lower than 1%.
2. Rebates earned are usually capped at RM 30 - RM 50 per month.
3. Rebates are applicable only at specific merchants or only on specific days.
4. Rebates are only awarded upon a minimum spend or number of swipes.

According to OCBC, these are the reasons why they offer the 1% rebate with absolutely no cap on OCBC Titanium Card. Based on Mastercard's Processed Data for the past 12 months, OCBC analyzed and concluded that Malaysians charge 75% on everything else while only 25% on Petrol, Utilities, Groceries and Restaurants.

In the end of the letter, OCBC also offers current Titanium Cardholders an option to upgrade to OCBC World MasterCard. First year annual fee will be waived and RM 50 rebate will be given if you choose to upgrade. The promotion is valid until 31st January 2014.

The main features of OCBC World MasterCard are as below:

1. 1.2% rebate on all retail spend with no cap, no minimum swipes and spend.
2. Free personal accident insurance coverage (up to RM 2 million) when you charge your full airfare to your World MasterCard.
3. 2X free access per calendar year to the KLIA Plaza Premium Lounge.

I would recommend current Titanium Cardholders to upgrade and enjoy 1.2% rebate. Cardholders should then consider whether to continue holding the card or not before reaching one year. This is because the annual fee for subsequent year is RM 388 per annum, which is very high.

AmBank CARz Credit Card

AmBank CARz Card is a credit card that caters for motorists and packaged with all auto related benefits. It is packed with discounts, rebates and value added services to address all your regular auto-related requirements.

AmBank CARz Card is available under the following choice of cards:

1. Platinum MasterCard - min annual income RM 60000 and above
2. Gold VISA Card - min annual income RM 24000 and above

The features of CARz Card are:

1. Cash rebate on any petrol brand.
2. 12 months 0% easy payment plan for road tax and AmGeneral insurance renewal
3. Earn 1 CARz Point for every RM 1 retail spending
4. CARz Points accumulated can be used to redeem auto-related goods and services
5. Special package of AmDrive Care Personal Accident (PA) coverage
6. Auto-related privileges vouchers worth more than RM 300 upon card approval
7. Free for life with no conditions attached

The cash rebate for petrol brand transactions will be calculated as below:

AmBank CARz Platinum MasterCard	AmBank CARz Gold Visa Card
Revolvers (pay min or partial) 5% rebate, capped at RM 80 rebate per month Transactors (pay in full) 2% rebate, capped at RM 20 rebate per month	Revolvers (pay min or partial) 3% rebate, capped at RM 80 rebate per month Transactors (pay in full) 2% rebate, capped at RM 20 rebate per month

You can get up to 5% rebate on petrol purchase if you do not settle your monthly statement in full, e.g. your statement balance RM 500 but you pay RM 499. You do not need to pay for the interest as 1.5% of RM 1 is only RM 0.015 which will be round down to RM 0. Besides, you can also collect points which is equivalent to 0.5% rebate.

AEON BiG Membercard

AEON BiG launched its member card today in all 28 outlets. The member card is a loyalty card that lets you earn points and get cash rebate. It is free to sign up and open to residents of Malaysia and Singapore, aged 18 years old and above.

You can sign up for the member card at any AEON BiG member card kiosk at all AEON BiG stores nationwide. You just need to complete the application form and present MyKad upon signing up. There's currently a reward book worth up to RM 300 for each new member based on first-come-first-served while stock last basis.

You can use your AEON BiG member card immediately after you sign up and receive the card. You can earn 1 AEON BiG point with every RM 1 spent. Besides, you can earn 50 AEON BiG Eco points each time you use AEON BiG recycle bag on every Saturday.

Every 1000 AEON BiG points collected is equivalent to RM 5 cash back value redeemable in your next purchase. Purchases of mobile top-ups, gift cards, gift cards top-up and tobacco related products are not eligible for AEON BiG points.

Your AEON BiG points will expire 1 year from last usage of your card. You will be notified via email or SMS 30 days prior to the expired date. To check for point balance, you can walk in to any AEON Credit Services Malaysia branches or call Customer Care line at 1-300-80-2366.

The cash rebate you get from AEON BiG member card is 0.5%, same as that of Tesco Clubcard. Visit your nearest AEON BiG outlet today to apply for the free member card, get the limited reward book and start earning points!

Caltex 3% Cash Rebate by Maybankard

Caltex had just recently launced its Caltex Journey Card and it's now partnering with Maybank to bring you cash rebate of 3 % when you swipe your Maybank MasterCard and Visa Credit Card in Caltex petrol station with minimum of RM 50. The promotion is valid from now until 13th October 2014.

 

The promotion is not applicable for Maybankard American Express Credit Cards or Charge Cards and Maybank Debit Cards. The cash back is capped at RM 60 per cardmember per month (equivalent to petrol purchase of RM 2000). Supplementary card spending is also entitled to the 3% cash rebate and it will be aggregated to the principal spending.

The allocation amount payout limit is subjected to a total of RM 600000 for all cardmembers during the campaign period, whichever is earlier, and based on first-come-first-served basis. Announcement will be made via Maybank2u.com once the limit is reached.

Enjoy Cash Rebates with Maybank Auto PayBills

How do you pay your utility, telco, broadband and Astro bills? Is it by online bill payment or at the counter? From 18th September to 31st December 2013, Maybank is giving out cash rebates for its AMEX, MasterCard and Visa Credit Cardmembers who enrol for the Auto PayBills service.

Just enrol for Auto PayBills with the following service providers to enjoy great rewards:

1. Astro
2. Celcom
3. Digi
4. Maxis
5. Tenaga Nasional Berhad
6. TM (excluding Unifi)

Upon enrollment, you will get RM 15 cash rebate per service provider. If you're the first 1000 Maybank AMEX Cardmembers to enrol for Auto PayBills with a minimum of 2 service providers, you can get an additional Starbucks Card worth RM 20.

You need to cancel your Auto PayBills services with other banks first (if any) before enrolling for Auto PayBills services through Maybank Card to avoid double billing and late billing. Auto PayBills service needs 4 to 8 weeks to be activated.  You should continue to pay your bills as usual until your Auto PayBills service is reflected in your Credit Card statement.

Total amount of cash rebates to be given away is capped at RM 90000 throughout the campaign period and based on first-come-first-served basis. The fulfillment of RM 20 Starbucks Card and amount of cash rebates will be credited into Cardmember's account within 4 to 6 weeks after the campaign ends.

To enrol, please print out this form, fill in then submit to Maybank either by fax or by mail.

Top 10 Petrol Cash Rebate Credit Cards

The price for RON95 petrol and diesel went up by 20 sen per litre from 12.01am today. This means RON95 would now cost RM 2.10 while diesel will cost RM 2.00 per litre. So if you're spending RM 300 per month on petrol, you would need to pay extra RM 30 every month from now on.

How can we minimize the impact of petrol hike to our expenses? Firstly, you can consider switching petrol stations as each petrol station has its own reward system as I shared previously. Secondly, you can consider to apply for a credit card that gives you good rebate on petrol.

This is the top ten list (not by ranking) of petrol rebate credit cards that I compile:

Card	Rebate	Cap	Terms & Conditions
HSBC Amanah MPower Visa Platinum Credit Card-i	8% max	RM 100	Saturday and Sunday, RM 2001 and above
SCB JustOne Platinum MasterCard Credit Card	15%	RM 48 max	Everyday, RM 2999 and above
Shell-Citi Gold Credit Card	8% max	RM 64 max	Everyday, RM 2500 and above, Shell petrol station
PB-Esso Mobil Visa Gold Credit Card	5% max	RM 50	Everyday, RM 800 and above, Esso/Mobile petrol station
Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i	8x TP	-	Saturday and Sunday, Petronas petrol station
Maybankard 2 AMEX	5% + 5x TP	RM 50	Saturday and Sunday, all petrol stations that accept AMEX
Hong Leong Wise Credit Card	10%	RM 100	Minimum 10 swipes of RM 50 and above
UOB One Card	5% + 2% SmartCash	RM25	Everyday, BHP petrol station
OCBC Titanium MasterCard	5%	RM 50	Everyday, all petrol station
CIMB Petronas Gold MasterCard	5%	RM 50	Every first weekend, Petronas petrol station

If you still use cash or normal credit card (RM 2 = 1 point) to pay for petrol, you should get one of the cards listed above. Select a card that is suitable for you according to your montly expenses, monthly petrol purchase amount and your choice of petrol station. 

For monthly petrol consumption of RM 500 and below, I would recommend you UOB One Card, OCBC Titanium MasterCard or Maybankard 2 AMEX. The reason is that these cards give high rebates and do not impose minimum monthly spend or swipes.

SCB JustOne Platinum MasterCard Credit Card

Standard Chartered Bank (SCB) was giving out 15% cash back for petrol to all new cardholders for a period of 6 months in its previous promotion. Now, SCB has launched a new card, the JustOne Platinum MasterCard Credit Card, that gives you 15% rebates at all petrol stations for life!

To be eligible for the 15% rebates, you just need to spend a minimum of RM 999 per month in retail purchases and you will receive petrol cash back up to RM 576 per annum. You will enjoy petrol cash back in the following situations:

Monthly Retail Purchase	Monthly Cap	Annual Cash Back
RM 999 to RM 1999	RM 28	RM 336
RM 1999 to RM 2999	RM 38	RM 456
RM 2999 and above	RM 48	RM 576

Retail purchases must be posted to your account within a particular month to be included towards meeting the monthly minimum requirement of RM 999 per month. If a transaction is posted in the following month, it will only be included in the following month's calculation. 360° Reward Points are not applicable for this card.

For new to SCB customers, you can apply online and get RM 300 cash back. For existing customers or customers who apply through branch and roadshow, you can get RM 105 cash back.

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	15%
iTunes Applications
Google Playstore
Airlines Online	20%

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
Zalora	25%	Upfront discount
San Francisco Coffee	20%	Upfront discount
ISETAN	15%	Cash rebate to be credited by 15th of the following month
Agoda.com (login via agoda.com/cimb)	7%	Upfront discount

Note:

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.

What Is a Merchant Category Code

Cash back cards like OCBC Titanium Card and Hong Leong Wise Credit Card are very popular nowadays as they give cash rebates according to the amount spent in specific categories such as dining, petrol, utilities and shopping. So how do credit card issuers know that each transaction belongs to which category? They actually know that from Merchant Category Code (MCC).

A Merchant Category Code (MCC) is a four-digit assigned to a business by Visa or MasterCard in order to accept one of these cards as payment in the business. It is the responsibility of the credit card organization to assign the correct MCC classification to the business. The merchant category code is based on the predominant activity being conducted by the business, even if they are engaged in multiple types of commerce.

This is the list of commonly use MCC:

No.	Categories	Merchant Category Code (MCC)
1	Groceries	All grocery stores (MCC 5411)
2	Petrol	All petrol stations (MCC 5542)
3	Dining	All dining outlets (MCC 5811, 5812, 5814)
4	Utilities	Electricity and Water (MCC 4900)
5	Entertainment	All cinemas (MCC 7832)
6	Travel	All airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour packages (MCC 4722, 4723)

Citibank Weekly 30% Cash Back

In Year 2012, Citibank came up with the weekly RM 100 cash back promotion. This year, Citibank has come back with its 30% cash back that gives you up to RM 150 weekly! The promotion starts on 13th April and ends on 21st June 2013.

Citibank is giving out total RM 500000 cash back throughout the campaign period. There will be 10 weekly cycles, each starts from Saturday and ends on the following Friday, total weekly cash back is capped at RM 50000. One principal cardmember can get maximum RM 150 cash back per week on a first-come, first-served basis.

So how do you get the cash back? 

1. This promotion is open to all citibank credit cards. All you need to do is to enrol by filling up the form here. You only need to enrol once to participate throughout the campaign period.
2. Then from every Saturday, you need to swipe minimum one or more transaction each on groceries, dining and petrol, with a cumulative spending of RM 500 on everything within that week.

Please take note on the transaction categories that are qualified for the cash back:

Category	Definition
Dining	Any transactions made at any dining or food and beverages merchants categorized under the following Merchant Category Codes (MCC): 5441, 5451, 5462, 5499, 5811, 5812, 5813, 5814 Transactions made at hotels which do not fall under the above MCC shall be excluded
Groceries	Any transactions made at the following stores: Giant, Cold Storage, Mercato, Jasons Food Hall, AEON, Tesco, AEON Big (formerly known as Carrefour), Mydin, Econsave, The Store/Pacific, Village Grocer, Jaya Grocer, Billion, NSK, Servay, 99 Speedmart, and Everrise, in Malaysia
Petrol	Any local transactions made at petrol stations categorized under the following MCC: 5541, 5542

As compared to the promotion last year, the promotion this round is allocated with 50% lesser total cash back, longer campaign period (extra 2 week cycles) and requires higher spending (minimum spend of RM 500). However, there is more flexibility on the spending. Overall, it's still a very good promotion.

PB-Esso Mobil Gold Credit Card

In my previous post, I mentioned that Esso/Mobil gives the most rewards to their customers. Now, Petron has taken over Exxon Mobil petrol stations in Malaysia and the rebranding is in progress. Public Bank is currently having a campaign for its Esso Mobil Co-brand credit card, the PB-Esso Mobil Gold Credit Card, from 1st March to 30th June 2013.

The campaign is open to new and existing principal and supplementary PB-Esso Mobile Visa Gold Credit cardmembers. Eligible new principal cardmembers will be offered a RM50 Activation Cash Rewards payment (must swipe with minimum retail purchase of RM 80 within 2 months from card approval date) while all cardmembers can enjoy up to 5% cash rebate and up to 2,000 extra Smiles Points on purchase of fuel at Esso, Mobil or Petron service stations.

The maximum cash back each month per cardmember is RM 50. The cash rebate tier and extra smile points are shown in below table:

Total Monthly Purchase	Cash Rebate	Total Monthly Fuel Purchase	Extra Smile Points
≤ RM 100	0.5 %	≥ RM 100—RM 200	300
> RM 100—RM 200	1.0%
> RM 200—RM 500	2.0%	> RM 200—RM 500	500
> RM 500—RM 800	3.0%	> RM 500—RM 800	1000
> RM 800	5.0%	> RM 800	2000

The extra Smiles Points on fuel purchases at Esso, Mobil or Petron service stations is subject to a minimum total monthly fuel purchase of RM 100 at Esso, Mobil and Petron service stations and a minimum total monthly card usage of RM 600 on other retail purchase. For other retail purchases, cardmember can get unlimited cash megaBonus of 0.5%.

If your monthly petrol consumption is greater than RM 800, then this card is suitable for you. This card is free for life, so you can enjoy annual card fee waiver for life without any conditions.