How to Watch A Movie for Free in Cinema

Golden Screen Cinemas (GSC) and TGV Cinemas (formerly known as Tanjong Golden Village) are the largest chain of cinemas in Malaysia. These cinema chains can be found in almost every state. Do you know that you can actually watch a movie for free every year in GSC?

First of all, you need to sign up as a member in GSC website. Registration is free. These are the benefits of becoming GSC member:

1. A chance to get movie passes or vouchers to any movie related events at GSC cinemas.
2. Plenty of fun & amusing contests that will definitely keep you coming back for more.
3. Win exclusive limited edition movie premiums.
4. FREE movie treat on your birthday.
5. Enjoy 20% discount on food and beverage off for your birthdays. 
6. Load up on FREE complimentary movie passes.
7. Check out cool movie downloads.
8. Send FREE personalized online greetings.
9. Updates on the newest and hottest movie news.

After you have registered as a member, you can redeem for the complimentary movie during your birthday month with 4 steps only:

1. Login and print out the Birthday Treat Coupon
2. Fill in the details
3. Check the showtime for selected date and movie (marked asterisk only)
4. Submit the coupon to GSC ticketing counter and present your IC to redeem your movie ticket

Some terms and conditions to note before you redeem your birthday coupon:

1. FREE ticket is valid for movie marked asterisk (*) only and valid in all GSC cinemas nationwide.
2. For Digital 3D movies, a RM5 surcharge applies.
3. FREE movie ticket is not exchangeable for cash.
4. Only 1 2 free movie tickets per single redemption per year.
5. Not valid with other GSC offers.
6. Not valid for Digital 2D, Gold Class, Premiere Class and Twin Seats.

Travel Books Fair Promotion

Lonely Planet is the largest travel guide book publisher in the world. If you're planning a vacation and want to find out more on your holiday destination, Lonely Planet's Travel Guide is certainly your source for travel advice, tips and information on your destination. In addition, you'll find comprehensive facts and advice for your travelling along with background material on the culture and history of the country.

MPH Online is offering a not to be missed deal for travel guides to Bali & Lombok, Beijing, Shanghai and Turkey, exclusively for maybank2u users. Get to enjoy 30% discount when purchase any of the four travel guides from 26 March 2013 to 29 March 2013 via maybank2u. Moreover, the first 100 customers to purchase any of the travel guides will enjoy an additional 10% cash back on top of the 30% discount from maybank2u.

You can compare the prices before and after the maybank2u promotion from the table below:

Lonely Planet's Travel Guide	Retail price	Maybank2u 30% off	Extra 10% cash back (1st 100 customers)
Bali & Lombok (14th Edition)	RM 98.80	RM 69.16	RM 59.28
Beijing (9th Edition)	RM 87.40	RM 61.18	RM 52.44
Shanghai (6th Edition)	RM 87.40	RM 61.18	RM 52.44
Turkey (13th Edition)	RM 102.60	RM 71.82	RM 61.56

If you purchase multiple books, you will receive the 10% cash back for 1 book only. The cash back will be given based on the book with the highest price and will be credited to the customers’ account within 30 days after the campaign.


To enjoy the discount, just follow these few steps:

1. Log on here
2. Select your travel guide and click "Add to Cart".
3. At the Shopping Cart page, select Maybank2u for "Step 2: Payment Mode", in order to enjoy the discount.
4. Fill in the form and you are one step away to enjoying your chosen travel guide.

RHB Friday Specials 2013

RHB Friday Specials has finally come back for Year 2013! All you have to do is spend RM 30 with your RHB Credit or Debit Card to redeem an absolutely free item, starting from today until 26th July 2013.

Currently there are 3 participating partners in the campaign:

1. Kenny Rogers ROASTERS - 1 Kenny's Quarter Meal (order must include a Kenny's Quarter Meal, present RHB card before order and for dine in only).
2. Starbucks Coffee - 1 tall size Latte (Iced/Hot).
3. Popular Bookstore - 1 Popular RM 5 Cash Voucher.

This promotion is applicable to all RHB Bank, Easy by RHB and RHB Islamic Bank Credit or Debit Cardmembers. Payment must be made with RHB Bank, Easy by RHB or RHB Islamic Bank Credit or Debit Cards only. It is not valid with ongoing promotions or discounts.

Each Cardmember can only redeem for 1 free item per day, per receipt, with a minimum spend of RM 30 in a single receipt in order to be qualified for the free item.

Interbank GIRO Fee Reduced to 10 sen

Interbank GIRO (IBG) is a service of transferring funds and payment to other banks without raising physical supporting documents such as cheques or bank drafts. This service reduces the crediting time between accounts especially out-of-town transactions. This service is provided by MyClear, a wholly-owned subsidiary of Bank Negara Malaysia (Central Bank of Malaysia).

Popular 90% Books Clearance Sale

We will have a one week school holidays next week. A lot of book sales will be available during this period such as Big Bad Wolf and Popular Book Sales. Popular is having an annual book clearance sale in Penang Island Midlands Park Centre, starting from today until 31st March 2013, 11.00 am to 9.30 pm daily.

The first day is only open to Popular Card members. If you do not have Popular Card, you can apply for the card on the spot and get exclusive gift. You can find a lot of books in English and Chinese with up to 90% discount in the book clearance. 

From 20th to 22nd March, every purchase of RM 120 and above will get RM 20 Popular voucher for free. Another good news, Baucar Buku 1Malaysia is accepted in the book clearance.

Popular will also have another book sale in Seberang Jaya, Sunway Carnival Mall from 21st March onwards. However, the discount is only up to 70% although you can get RM 15 Popular voucher with every purchase of RM 60 and above. I would recommend you to visit the book clearance in Midlands Park Centre as there are more choices of books and you can get higher discount as well. Hope you'll enjoy book hunting for the coming school break!

SCB Credit Card Cashback Promotion

Standard Chartered Bank has started another cashback promotion for new to SCB credit card customers. The campaign starts today and ends on 31st May 2013 and is only open to new customers who apply online for a Principal and Supplementary Credit Card.

To be eligible for RM 885 cashback, you just need to perform 3 steps below:

1. Prepare the required documents (myKad, latest 3 months payslips, latest EPF statement).
2. Select the card and complete the application.
3. Email your required documents to SCB within 24 hours (application ID as the email subject).

These are the cashback that you will be able to enjoy once you fulfill the steps above:

Card Type	Sign-Up CashBack for Online
Principal Gold / Business Gold	RM 55
Principal Platinum / Preferred World MasterCard / Business Platinum	RM 55
Supplementary Gold / Platinum / Preferred World MasterCard	RM 30

On top of that, you will also be entitled to the Spends CashBack Reward:

Rewards Type	Spend & Get up to RM 400 cash back	Spend & Get up to RM 800 cash back
Application Type	Principal	Principal & Supplementary
Spends Cash Back Entitlement	Spend minimum RM 1500 per month & get RM 400 cashback. Capped at RM 100 per month for 4 months for Principal card spends only.	Spend minimum RM 1500 per month for each card & get RM 800 cashback. Capped at RM 100 per month for 4 months for Principal & Supplementary card spends.

If you apply for the card and unable to submit the required documents within 24 hours, you will still be eligible for the one time sign-up cashback below:

Card Type	Sign-Up CashBack for Online
Principal Gold / Business Gold	RM 150
Principal Platinum / Preferred World MasterCard / Business Platinum	RM 200
Supplementary Gold / Platinum / Preferred World MasterCard	RM 30

So if you still have not signed up for SCB cards in the previous promotion, now it's the time to sign up to enjoy the cashback!

Maybank One Solution

Maybank One Solution is a combination of savings account, personal loan and insurance. With just one sign up, you can manage all your finances by start enjoying the features and benefits of Maybank One Solution.

With Maybank One Solution, you will get a Personal Saver account, a main transactional account that comes with Maybank Debit Card and easy access to multi channels via ATM, Maybank2u and Mobile Banking. You will be able to perform cashless transactions worldwide at millions of merchants with Maybank Debit Card and earn TreatsPoints.

You can also achieve savings goals faster through Flexible Saving Plans by earning interest of 1.5% p.a. with flexible tenures up to 5 years. You can open up to 3 Flexible Saving Plans at any one time via ATM or Maybank2u.

On the other hand, personal loan can be done via paperless application with just MyKad. Application gets instant approval within 10 minutes and immediate disbursement. 2% rebate will be given for prompt payments.

Two types of insurance are available in Maybank One Solution via ATM or Maybank2u:

• Premium PA Plus - Comprehensive insurance coverage for yourself and your family at only 66 cent a day, no Medical Examination required.
• Domestic Travel Care - Protect yourself or whole family when travelling within Malaysia, Thailand, Brunei and Singapore, short-term travel plan with choices of less than 2 weeks or up to 4 weeks.

Take charge of your banking today by bringing your MyKad and RM10 to any Maybank kiosk to sign up. For existing Maybank savings account (SA) holders, you can sign up for Maybank One Solution by converting your existing Maybank SA into a Personal Saver Account and activate your Flexi Saver Plan at Maybank2u from now until 30 April 2013 and stand a chance to win RM50 Parkson shopping voucher!

Maybankard Superman Visa Debit Card

Maybank has launched a limited edition Maybankard Superman Visa Debit Card. This card gives you exciting privileges, benefits and the chance to win amazing prizes!

The benefits of the super hero debit card are as follow:

1. Shop at millions of Visa outlets worldwide.
2. Use it as your ATM card to withdraw cash locally and overseas.
3. Use it to pay bills or transfer money.
4. Earn 1 Treats Points for every RM3 spent (0.17% rebate) and enjoy privileges when you shop.
5. Set your own purchase limit up to RM5,000.
6. No income requirement for application, no finance and late charges or annual fees.
7. Track your online transactions via Maybank2u

Update 30/7/13:

Upon application of this card, cardmembers will be given a voucher consist of the following :

1. 10% discount at all DC Super Hero stores in Malaysia, valid until 31st March 2014.
2. Buy 1 free 1 TGV voucher, valid for one time use only and until 31st August 2013. 
3. 35% discount on normal price of Legoland ticket, valid for maximum for 4 tickets and until 31 August 2013.

Note: Due to overwhelming response, The Superman Visa Debit Card voucher for TGV Buy 1 Free 1 has been fully redeemed.

The Superman Visa Debit Card does not impose annual fee and is open to all Maybank CASA holders aged 18 and above. For imteen Account (aged 12 to 18), Indemnity Letter is required to be signed by parents/guardian as a condtion to open the account. 

To apply, visit your nearest Maybank branch. Fill up the application form and choose Maybankard Superman Visa Debit when you open a CASA. Existing CASA holders can apply and convert to Maybankard Superman Visa Debit immediately.

Update 19/03: I went to Maybank to have my old ATM card converted to the Maybankard Superman Visa Debit today. It took me half an hour to get the card & a service charge of RM12 was deducted from my savings account directly. Remember to get the voucher from the officer after receiving the Superman Visa Debit.

Dell MasterCard Promotion

Dell and MasterCard have paired up to bring cardholders exclusive offers since last year. Now you can even get Dell Accessories with lower prices if you own a Debit or Credit Mastercard.

The list above shows the accessories with special discounts. For other Dell Accessories, you can get 10% cash redemption. Besides, you can save 15% on cartridge purchase .

For system purchases, if you spend RM 2000 to RM 2900, you can get an external hard drive for free. If you spend above RM 3000, you can get a free 20" LED monitor. Citibank cardholders can enjoy 0% installment plan and 2X Citibank Reward Points with Dell system purchase.

Interested to know more on the promotion? Click here to access and start shopping!

How to Pay for Income Tax Online

If you're using e-Filing to file for your income tax return, you can use the e-Bayaran to settle outstanding payment (if any) after you confirm and submit the income tax assessment.

In this post, I'll show you how to pay the income tax by using e-Bayaran, which is using FPX payment gateway. You need to have an internet banking account with one of the banks listed below in order to proceed:

• Bank Islam Malaysia Berhad
• CIMB Bank
• Hong Leong Bank Berhad
• Maybank2e / Maybank2U
• Public Bank Berhad
• RHB Bank

1. Right after you submit the e-BE, the acknowledge receipt of e-BE screen will appear,  click on the blinking text "e-Bayaran".

2. The payment details will be listed out automatically, you just need to confirm that everything is correct then  click "Masuk".

3. Once again, double check the payment details then click "Setuju".

4. Choose your bank (maybank2u.com is chosen in this post) and enter your email address.

5. A small window will pop up and prompt for your internet banking username and password.

6. Your account number, payee name, income tax number and amount will be shown. Click "Continue" to proceed.

7. You need to enter TAC to confirm the payment. Click "Request a TAC number" to get the TAC SMS to your mobile phone.

8. A pop up window will confirm your TAC Request is successfully sent to your registered mobile phone number.

9. Once you enter the TAC number and confirm, payment will proceed and status will be displayed as successful. You can keep this transaction for your own record by clicking "Print receipt".

10. After you close the internet banking pop up window, you will see the status in e-Bayaran as Approved. Just point your mouse to "Click Here to Complete Your Transaction".

11. Finally you will see a confirmation of payment receipt with the LHDN seal and you're done!

If you want to check your income tax payment status, you may click the Semakan Pengesahan page in e-Hasil portal. Just choose the type of form and the year of assessment, then key in your NRIC and password to proceed. You can then retrieve your payment acknowledgement receipt from there.

How to Open Income Tax Account Online

If you are a salary earner, you will receive EA Form from your company around February annually. EA Form is a summary of your total annual income paid by that particular company, including OT, allowances, bonuses. EA Form also lists out your total annual EPF contribution and income tax deduction (PCB). 

If your income tax reference number is not stated in the EA Form, it is better to check with your company's HR department or check with LHDN directly by calling 1-800-88-5436. If your salary is deducted monthly for PCB, but you don't have a income tax account, that means that the money has not reached to LHDN. So you need to open an income tax account.

There are two methods to open an income tax account, either you go to the nearest LHDN branch or you can apply online through e-Daftar.

There are only 3 steps required for the online registration:

1. Fill up the online registration form.
2. For salary earners, upload supporting documents (MyKad for Malaysian, passport for non Malaysian) together with application.
3. For business individuals,  upload supporting documents [MyKad (Malaysian)/ passport (non Malaysian) & business registration certificate] together with application.
4. Check for your application status by using the application number given after the application form is submitted.

Note for document uploading:

1. Only the front side that clearly shows the name and identification number is required.
2. Only GIF file format is accepted with size ranging from 40kB to 60kB.
3. File name must be in alphanumeric (a-z, A-Z and 0-9).
4. e-Daftar application will be cancelled if no complete documents is submitted within 14 days from the date of application. Applicants need to reapply with complete documents.

Maybank FD/IFD-i (3+3) Campaign

Maybank has launched another FD/IFD-i Campaign from 25 February until 25 March 2013 or upon reaching its deposit target, whichever is earlier. The campaign is open to all new FD/IFD-i placements of fresh funds by new and existing Individual, SME and Business Banking customers, Sole Proprietor, Partnership, Clubs/Societies.

The minimum placement amount according to the respective customer and account type:

Customer / Account Type	Minimum Placement
Retail/ Individual	RM10,000
Small and Medium Enterprises (SME)/ Business Banking (BB)	RM25,000
Sole proprietor, Partnership, Club/ Societies/ Association	RM25,000

There is no maximum placement amount imposed on Individual customers.However, the maximum placement amount in this campaign for SME, Business Banking, Sole Proprietor, Partnership and Clubs/Societies/Association customers is RM20.0 million per entity.

The promotional interest rates are as below:

Tenure	Campaign Rate (p.a.)	Effective Rate for 6 months(p.a.)	Prevailing Board Rate (p.a.)
First 3 Months	3.20%	3.27%	3.05%
Next Rollover (2nd 3 Months)	3.35%	3.27%	3.05%

The promotional rate is subject to any Overnight Policy Rate (“OPR”) change. The campaign is available for placements made over the counter at any Maybank Branch. Upon maturity of the FD, the placement rates shall revert to the prevailing board rates for the respective tenures.

Hong Leong FD & Junior FD Promotion

Other than the Priority Banking Premium FD Promotion, Hong Leong Bank also launches FD promotion and Junior FD promotion at the same period, which is from 6th March to 30th June 2013.

This FD promotion is open to all new and existing customers including Malaysian and non-Malaysian Residents and Non-individual customers. The promotion is applicable for fresh fund only. The FD promotional rate and the eligible FD Accounts are as follows:

Tenure	Promo Rate	Participating Account	FD Placement Amount
12 months	3.75% p.a.	HL Conventional FD HL Senior Savers Flexi FD HL Flexi FD	RM 10000 – RM 1000000

For the Junior FD promotion, customers are required to open or have a 3-in-1 Junior Account that comes with Junior Fixed Deposit, Junior Savings Account and Junior Debit Card, and make a new placement into the Junior Fixed Deposit account for 24 months during the promotion period.

Minimum RM 1 is required to open a Junior Savings Account. Issuance fee for Junior Debit Card is RM 8 per Customer. First 500 customers who apply the Junior Debit Card during the promotion period are free of charge, on first-come-first-serve basis. Notification will be given upon reaching 500 Customers by way of posting on HLB’s website.

The promotional FD rate is offered on a step up basis for 24 months, with a total of 2 cycles and 12 months tenure in each cycle as follows:

Tenure	1st Cycle	2nd Cycle	FD Placement Amount
12 months (2 cycles)	3.85% p.a.	3.95% p.a.	RM 1000 – RM 1000000

Both FD and Junior FD customers are automatically qualify to participate in the Sweet Deals Contest to stand a chance to win a Mazda 3.

Hong Leong Priority Banking Premium Fixed Deposit Promotion

Chinese New Year has ended and so are most of the FD promotions. After the Fatt Choi FD promotion, Hong Leong has come back with Premium FD promotion exclusively for its Priority Banking (PB) customers, starting from 6th March to 30th June 2013, or upon reaching target fund size, whichever comes first.

The Premium FD promotion offers PB customers with below:

Tenure	Promotional Rate	FD Placement Amount	Bundle CASA
6 months	3.98% p.a.	RM 50000 – RM 3000000	Yes
12 months	3.75% p.a.	RM 50000 – RM 1000000	No

To enjoy the promotional rate of 3.98% p.a. for 6 months FD, PB Customers are required to deposit 8% of FD placement amount into a nominated CASA and earmarked for four months. For placement amount from RM 1000000 onwards, the minimum deposit amount in CASA is fixed at RM 80000. The FD deposit amount must be of fresh fund.

At the same time, all FD customers who participate in the promotion will automatically qualify for the FD Sweet Deals Contest. There is only 1 Grand Prize throughout the contest period which is a Mazda 3 Sport 2.0 Sedan. To be eligible to win the Grand Prize, every deposit of RM 1000 per FD receipt into any of the participating accounts for 6, 12 or 24 months, entitles participant to earn one contest entry.

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.