2013 Flashback for Credit Cards

Today is the last day of Year 2013. To me, 2013 is the year of drastic changes and surprises. Let's have a quick flashback on what happened to the credit card industry in Year 2013:

1. Starting from 2013, Standard Chartered Bank has revised its rewards points system and benefits.
2. On 15th January, Hong Leong Bank launched Wise Credit Card that gives the highest ever cash rebate of 10% to cardholders who swiped minimum RM 50 for 10 times per month.
3. On 16th January, Citibank introduced its new card, the Citibank Rewards Platinum Card, cardholder can choose the rewards categories and transactions within the rewards categories will earn 5X Citi Rewards points.
4. In February, AEON Credit Service launched the AEON Watami Visa Classic Card, a special privilege card with exclusive rewards for dining in Watami Japanese Casual Restaurant. Cardholder can enjoy 3% quarterly cash rebate on total retail transactions outside Watami with accumulate spend of RM 3000 per quarter.
5. From 2nd May, the fee for IBG transactions done online via internet banking and mobile banking would be reduced from RM 0.50 to RM 0.10.
6. In July, CIMB Bank introduced the CIMB Cash Rebate Platinum MasterCard, a credit card that rewards cardholder for shopping online with 5% cash back while offering competitive cash rebate programme for other retail purchases.
7. From 1st August, Maybank imposed a 3-year expiration period on its TreatsPoints and also revised on the value of TreatsPoints.
8. In August, Standard Chartered Bank launched the SCB JustOne Platinum MasterCard Credit Card, a card that gives cardholder 15% rebates at all petrol stations for life.
9. From 29th November, OCBC Bank revised its Credit Cards' features. No more 5% cash rebate on dining, groceries, utility bills and petrol for OCBC Titanium Card.
10. In December, AEON Credit Service added new features to its Credit Cards in line with AEON BiG rebranding campaign to attract more new customers.

Year 2014 will be a challenging year for Malaysians. With the price increase of various items such as toll rates, electricity tariff rates, public transportation and possibly even further fuel subsidy cuts, we will need to be more prudent in our daily expenditures. 

In Year 2014, 48smart will continue to share more saving tips and news on goodies with all our readers. We hope you will like and support what we share. Last but not least, we would like to take this opportunity to wish everyone Happy New Year 2014, the best of health and wealth in the Year of Horse!

Beryl's Malaysia@Chinese New Year Warehouse Sales*!

*PROMOTION : Beryl's Malaysia@Chinese New Year Warehouse Sales*! 

Beryl's Chocolate Warehouse Sales is back for Chinese New Year Sales that give you various discounts on many varieties of chocolates now!

Beryl's chocolate products such Panned Chocolate, Camior Bar Chocolate, Mini Chocolate, Ghana Chocolate, Fruits Fiesta Chocolate, Tiramisu Chocolate, Handmade Chocolate, and No Sugar Added Chocolate.

Chocolate categories can be view below link,
http://www.berylschocolate.com.my/eng/panned.html

For enquiry or feedback:
Telephone : 603-89436136
Fax : 603-89436021
Email : beryls@berylschocolate.com

Location: Beryl’s Chocolate & Confectionery Sdn Bhd, No.2, Jalan Raya 7/1, Kawasan Perindustrian Seri Kembangan, Seri Kembangan Selangor

*PROMOTION PERIOD: 

10 Jan 2014 ~ 29 Jan 2014 

Monday to Friday - 9:00am to 6.30pm
Saturday & Sunday - 9:00am to 6:00pm

*TERM AND CONDITIONS: 
 
1) While stocks last.

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

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.

Wet Wild World@Penang New Adventures Park*!

 

*PROMOTION : Wet Wild World@Penang New Adventures Park*! 

The Wet World Wild Adventure Park will be Asia’s first sea water adventure park to make a splash in Penang. 
Conceived by Theme Park Concepts & Services Sdn Bhd with the Penang Global Tourism Board.

Location: Moonlight Bay, Jalan Batu Ferringhi, Batu Ferringhi, Penang.

The sea water park will operate from 9am-7pm with tickets priced at RM40 (per adult) & RM30 (per child) per 2 hour sessions and with a maximum capacity of 80 persons at any one time.

*PROMOTION PERIOD: 

Opening daily 9:00am ~ 7:00pm

*TERM AND CONDITIONS: 
 
1) Operating schedule is weather dependent, closed when it is raining & open as long as the sun is shining.
2) Operating days and hours are subject to change without notice and may close early due to inclement weather.
3) There are no refunds or "rain checks" issued as a result of weather-related closures.
4) Life vests are COMPULSORY for all visitors as long as they are in the water.
5) Lifeguards reserve the right to remove anyone they deem unfit or are breaking the rules of the park.
6) The minimum height requirement is 110cm.

 

 

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

MamyPoko@exchange for FREE PANTS (MYDIN)*!

*PROMOTION : MamyPoko@exchange for FREE PANTS (MYDIN)*! 

MamyPoko is offer to get a bag of MamyPoko Easy Fit Pants for FREE!
What you need to do is exchange for a pack of MamyPoko Easy Fit Pants with one piece of baby tape diaper polybag (excluding MamyPoko brands).

Free MamyPoko Easy Fit Pants are available in M (14 pieces), L (12 pieces) and XL (10 pieces).
The event date is 28/Dec/2013 at selected MyDin.

Please fill-in the form below before attend to event,

Step 1: Click the picture above "Exchange Pants for FREE"
Step 2: Save it and print it.
Step 3: Fill-in the form and bring to the event.

Selected MYDIN stores as below,

28.12.13
PERAK: MANJOI, GOPENG

IPOH: MERU RAYA, TAMAN SAGA, BUKIT JAMBUL

KLANG VALLEY: SUBANG JAYA, SINAR KOTA, PLAZA MPK, SELAYANG UTAMA, MASJID INDIA

SEREMBAN: SEREMBAN T2 HYPERMARKET

MELAKA: JASIN, MITC, KULAI

PAHANG: KUANTAN,

KELANTAN: KUBANG KERIAN

TERENGGANU: KUALA TERENGANGGANU

*PROMOTION PERIOD: 

28 Dec 2013 (12:00pm~5:00pm)

*TERM AND CONDITIONS: 
 
1) One (1) piece of baby tape diaper polybag (excluding MamyPoko brands) must be provided for the exchange programme.
2) The registration form (obtainable in store or visit www.facebook.com/MyMamyPoko/events) must be filled up. A photocopy of the child's birth certificate or MyKid identity card must also be included.
3) Submit the required items (1 and 2) to the MamyPoko promoter in store.
4) Only parents of the child are eligible to exchange diapers. Child must be aged 3 years and below to be eligible for the exchange programme. Limited to ONE (1) pack per family ONLY.
5) Limited to 100 customers per store on a ‘first come, first-served basis’ while stock lasts.
6) Free MamyPoko Easy Fit Pants are available in M (14 pieces), L (12 pieces) and XL (10 pieces).
7) Programme times stated are estimated and may vary due to unexpected conditions.

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

PLUSMiles Touch 'n Go Card

PLUSMiles is a customer loyalty program developed by PLUS Berhad to reward highway users who use PLUSMiles Touch ‘n Go card for toll payment. PLUSMiles is open to all residents of Malaysia, Singapore and Thailand who are 18 years old and above.

With PLUSMiles Touch ‘n Go card, highway users can:

1. Get 5% toll rebate for total monthly toll usage of RM 100 and above at PLUS*, ELITE, BKE and LINKEDUA* highways.
2. Get PLUSMiles Points for total monthly toll usage of less than RM 100 at highways mentioned above.
3. Enjoy more savings with instant discounts up to 30% at participating PLUSMiles merchants.

*Excluding Bukit Kayu Hitam Toll Plaza, Bangunan Sultan Iskandar Toll Plaza, Tanjung Kupang Toll Plaza and Penang Bridge.

PLUSMiles Touch 'n Go card can be used at all highways and other service providers like a normal Touch ‘n Go card for all vehicle classes. However, entitlement for 5% PLUSMiles Toll Rebate and Points Rewards are only applicable to Private Vehicle Class 1 only and at the highways mentioned above.

PLUSMiles Touch ‘n Go card price is RM 10. You can purchase the PLUSMiles Touch ‘n Go card at any PLUS Customer Service Centre along PLUS highway, at selected Petron (Esso and Mobil) stations and selected retail outlets.

Users have to register the PLUSMiles Touch ‘n Go card at PLUSMiles portal in order to enjoy all benefits and rewards offered by PLUSMiles Program. Please take note that the transactions made on selected date where the festive rebate is given will be excluded from normal PLUSMiles 5% Toll Rebate and Points Reward.

Touch 'n Go Toll Rebate

Sinar Harian reported that an estimated RM 49 million in rebates for Touch 'n Go and SmartTAG users have gone unclaimed since 2009. The Malay daily revealed that many consumers were unaware that there were rebates to be claimed, while some said that the process was too complicated and did not bother to claim them.

The toll rebates are usually given to Touch 'n Go and SmartTAG users during festive seasons like Merdeka, Hari Raya Aidilfitri, Deepavali, Chinese New Year, Christmas and so on.

In addition, for frequent travellers who perform at least 80 toll transactions a month with Touch 'n Go or SmartTAG, 20% toll rebate would be given at that month. This program started on 1st September 2009 and open to all private owned Class 1 vehicles using Touch `n Go and SmartTAG for toll payment.

There are two methods to check your rebate entitlement:

1. Just bring your Touch `n Go card to any sales and service counters to check your rebate entitlement and redeem  the available rebates.
2. Register your card online and check your rebate entitlement at your convenience before visiting the counter.

The rebate value is given as reload value for your Touch `n Go card only and cannot be claimed as cash. It is valid for 6 months. You can enjoy this rebate program together with other existing rebate program or discount schemes.

Doraemon@Malaysia Limited Edition Stamp*!

*PROMOTION : Doraemon@Limited Edition Stamp*! 


Limited Edition Doraemon Stamps Set by Pos Malaysia. There is totally three sets of them, each cost RM28.00. 

You may get it from General Post Office (GPO) or Viva Home event hall.
Viva Home event hall is having Doraemon Expo Fair now. For further details, click HERE.

Sales is start from 23 December 2013.

There is special 1000 folder being printed only. While stamps set are available anytime at POS Malaysia.

3sets design of Doraemon, Folder, Free key chain are RM88.00.

General Post Office (GPO):
Dayabumi second floor, galeri stamp

Email:
setemku@pos.com.my

Hotline:
03-2267 2002

*PROMOTION PERIOD: 

Start from 23 Dec 2013

*OTHERS:-

 JAPAN VERSION STAMPS FOR COMPARISON:

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Golden Screen Cinemas@BUY 1 FREE1 (Christmas Holiday Promo)*!

*PROMOTION : Golden Screen Cinemas@BUY 1 FREE1 (Christmas Holiday Promo)*! 


Golder Screen Cinemas has offering promotion with Buy 1 free 1 ticket for CIMB Bank Debit MasterCard holders. The promotion is valid on 25 December 2013 (Christmas holiday promo)!

*PROMOTION PERIOD: 

25 Dec 2013

*TERM AND CONDITIONS:-

a) Payment must be made with a CIMB Bank Debit MasterCard over the counter.
b) Valid at any GSC cinemas outlet within Malaysia.
c) Valid for Gold Class, Premiere Class, Normal seat and Twin seats.
d) Valid for 35mm, 2D and 3D movie tickets.
e) Valid for purchase made on promo date for movies on the same date only (from 0000 house to 0600 the following day).
f) Offer is based on one (1) complimentary Golden Screen Cinemas ticket for each transaction made, regardless of the total number of tickets purchased.
g) Other Terms & Conditions apply.

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Affin Bank Fortune Rides Your Way CNY FD Promotion

Affin Bank 2014 Chinese New Year FD Promotion started from 1st December 2013 and ends on 30th April 2014. Customers can enjoy promotional interest rates of up to 4.18% p.a. in the FD Bundle promotion.

The promotion is open to all new and existing individual customers who maintain or open any of the following accounts with minimum RM 1000 deposit:

1. Basic Savings
2. Ordinary Savings (Passbook based)
3. Statement Savings
4. Affin Plus
5. Affin Gold (both Passbook and Statement based)
6. Normal FD

Eligible customers who deposit the stipulated amount in CASA will be able to enjoy promotional Fixed Deposit rates as follow: 

CASA Placement Amount (RM)	FD Placement	FD Tenure	FD Promotional Interest Rate (p.a.)
1000 – 5000	2 times of CASA placement amount	15months	3.88%
10000 – 50000	2.5 times of CASA placement amount	18 months	3.98%
100000 – 500000	3 times of CASA placement amount	24 months	4.18%

The amount deposit into CASA must be earmarked for the same time period as the Fixed Deposit tenure. The maximum FD placement is capped at RM 1500000 for each customer. The amount placed for CASA and FD must be from fresh fund.

Eligible customers who participated in the promotion above also stand a chance to win the prize of fortune horse (total 1000 unit). A total of 200 winners a month will be selected via a lucky draw process. 

PONEY@RM20 OFF E-voucher*!

*PROMOTION : Poney@RM20 OFF E-voucher*! 

Poney is offering RM20 OFF e-voucher upon purchase of any two items purchased in a single receipt.
Fill up below entry form and submit to receive your e-voucher. E-voucher must redeemed before 1st Jan 2014.

Entry form link as below,
http://poney.com.my/facebook-celebration/facebook-celebration.html

*PROMOTION PERIOD: 

Now until 1st Jan 2014

*TERM AND CONDITIONS:-

a) This voucher is applicable at PONEY boutiques in Malaysia only.
b) This voucher is valid with any 2 items purchased in a single receipt.
c) This voucher is NOT applicable to Poney Enfants and all licensing products.
d) This voucher must be redeemed by 1st January 2014.
e) Not exchangeable for cash and vlaid for one transaction only.
f) Not applicable for use in conjunction with other vouchers and promotion cards.
g) Poney garments sdn. bhd reserves the rights to amend certain terms and conditions of this voucher without prior notice.

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

OCBC Head Start Promotion

OCBC launched a new FD promotion, the "OCBC Head Start Promotion", from 1st December 2013 until 31st March 2014. The promotion consists of 4 products and is open to individual customers.

The promotion details are summarized in the table below:

No	Product	FD Tenure	Interest Rate	Eligibility
1	Deposit Deal	3-month 12-month	3.10% p.a. 3.30% p.a.	Min RM 10000 placement and max RM 1 million deposit.
2	Investment Deal	3-month	4.00% p.a.	Purchase any one or more of the selected OCBC Investment products.
3	Savings Deal	3-month	4.28% p.a.	Min RM 10000 placement and max RM 1 million deposit, with equivalent amount place in CASA and earmarked for 3 months.
4	Premier Bank Deal	3-month	5.50% p.a.	Premier Banking customer with 3 Product Holding where 1 of the products must be non-deposit product.

The OCBC Head Start Promotion is not as good as the previous Mega Save Promotion. Overall, the interest rate offered is lower. For Savings Deal, the FD placement amount must be equivalent to the CASA earmarked amount, which makes the promotion even less attractive.

1 Malaysia People's Aid (BR1M 3.0)*!

*PROMOTION : 1 Malaysia People's Aid (BR1M 3.0)*! 

1Malaysia People's Aid (BR1M) 2014 can be apply from next Monday 23 Dec.
BR1M application form can be obtained at LHDN service centre and branch offices, and social welfare department or downloaded online at http://www.hasil.gov.my as the application of the aid opens from 23/Dec/2013 ~ 31/Jan/2014.

The BR1M 2014 payment will be made to the eligible applicants from February next year.

Details can be obtained from the 1-800-88-2716 hotline from Dec 23 from Monday to Friday between 9am and 5pm.

Application form can be download below:
https://ebr1m.hasil.gov.my/manualPengguna/Borang%20Permohonan%20BR1M%202014.pdf

Online application access:
https://ebr1m.hasil.gov.my/#

Step by step for applicants:

*PROMOTION PERIOD: -

*TERM AND CONDITIONS:-

a) Households (Given RM650)
1. Household that has income below RM3,000.
2. Malaysian Citizen.

b) Households (Given RM450)
1. Household that has income between RM3,000 to RM4,000.
2. Malaysian Citizen.


c) Individuals (Given RM300)
1. Total gross monthly income of RM2,000 and below.
2. Malaysian Citizen.
3. Aged 21 and above (born 1993 or earlier).
4. Does not include students who are receiving the 1Malaysia Book Voucher.

d) Senior Citizen 
1. People aged 60 and above.
2. Malaysian Citizen.

e) Every BR1M recipient will be covered by an Group Takaful Rakyat 1 Malaysia Contribution (i-BR1M) insurance policy worth RM50 monthly. Insurance coverage up to RM30k for death or OKU.

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

Only original voucher will be accepted.

Valid for dine in only.

Voucher is not applicable with any other promotions, discounts or vouchers.

Tongpakfu reserves the right to change or amend terms and conditions without prior notice.

- See more at: http://www.malaysiafreebies.com/tong-pak-fu-free-supreme-choco-snow-ice-voucher-giveaway/#sthash.F9OkXCRU.dpuf

AmBank Top Rate FD Promotion

AmBank has started "I AmBanking on Top Rate" FD promotion from 9th December 2013 until 19th January 2014. AmBank's Conventional Fixed Deposit and AmIslamic Bank's AmAdvance Investment Account-i with a 36-month tenure will be eligible for preferential interest rate of 4.12% p.a.

The campaign is open to all new and existing AmBank/AmIslamic Bank individual customers and non-individual customers. The promotional rate is subjected to a minimum fresh fund placement of RM 50000 for individual customers or RM 100000 for non-individual customers.

This is the FD promotion that currently gives the highest interest rate in the market. The tenure period is acceptable, just that the minimum deposit amount is quite high.

MBSB Cheeky Savings Account

I previously compared the Child's Savings Account among the local banks, the highest interest rate was only 3.00% p.a. with maximum one withdrawal per month. Effective from 28th October 2013, MBSB had revised the interest rate for its Cheeky Conventional Savings Account to 3.10% p.a.

Cheeky SA is open to all Malaysian aged 18 years old and below. The minimum initial deposit is RM 20 and interest rate of 3.10% p.a. is applicable to the first RM 50000, for amount above RM 50000, interest rate of 2.50% p.a. will apply. The interest is credited monthly to Cheeky SA and there is no limit on number of withdrawals per month.

For initial deposit amount of RM 500, a Cheeky Club backpack, T-shirt and coin box will be given free of charge. However, the drawbacks of Cheeky SA are it is not protected by PIDM, limited MBSB branch and you can only deposit over the counter as IBG does not cover MBSB.

If you are interested to open Cheeky SA for your kids, just bring along your IC and your children's myKid and visit the nearest MBSB branch.