Sri KDU Klang Is Giving 20% Lifetime Discount And More For Its 2021/2022 Intake

From learning, playing, to socialising – growing up in a digital era has completely altered our children’s approach towards education. According to UNICEF, children’s schooling, social welfare, and
future job opportunities may depend on how well they understand the digital world
 around them.

Digital literacy is not limited to technical know-hows like learning to create spreadsheets or operating certain softwares but it truly encompasses the knowledge, skills, and attitudes that allow children to be both safe and empowered in an increasingly digital-demanding world.

Undoubtedly, our education system has a predominant role to play in helping these children develop such skills. If you’re a parent or guardian who is looking to start your children’s digital education early, Sri KDU’s new innovative campus in Klang will be worth checking out!

Offering a bespoke Digital Leadership Programme to its students, the future-ready Klang campus is also offering a 20% lifetime discount and rebates to new students for its January 2022 intake. This exclusive offer entails a wider selection of benefits that could not only help nurture our children further, but really enhancing their holistic learning experience which is in line with Sri KDU’s international pedagogy.

Special Rebates On Registration, Tuition Fees

Sri KDU is no stranger to the unconventional education space and had built one of the first smart schools since its introduction in Malaysia back in 2003. Seeing a need for children to have a strong foundation in technology skills and leadership, Sri KDU has since decided to launch a new school in Klang that will be among the first in Asia to put a focus on cultivating digital leaders.

The Digital Leadership Programme will be accessible for all students from year 1 to year 11 (age 5 to 16), made available in the form of different monthly challenges. The programme does not require additional fees and is incorporated into students’ schedules where they are able to experience 200 minutes of digital learning every week.

Sri KDU is at the forefront of cultivating a holistic academic life and is committed in providing, and exposing students to a digital education from an early age. It is believed that this will help them develop relevant and applicable skill sets with an understanding of the digital realm.

Currently, Sri KDU Klang is giving out special rebates for registrations for the 2021/2022 intake. Parents will enjoy a 30% discount off the first year tuition fees and a 20% lifetime discount for the following years on published tuition fees, with potential savings of up to RM110,000. There is also a 100%  waiver on application and registration fees. All offers are subject to terms and conditions.

Study In Asia’s First School for Digital Leadership – the RM100 Million Campus

Like many other skills, practice makes perfect and exposure to the digital world helps children become familiar with it. It has been studied that
 children who participate in a wider range of online activities are more skilled in using the internet
 , while those whose access to the internet is more limited tend to have weaker digital skills.

Sri KDU’s world-class facilities provide students with a safe and holistic learning environment where they can experience character building and leadership with guidance from reputable and professional teachers for an integrated and comprehensive education.

Its state-of-the-art campus has a computer lab, science lab, and an audio-visual hub. The school is effortful in helping students achieve a healthy balance between study and leisure with its varied amenities that include a library filled with over 10,000 books overlooking a lush courtyard garden as well as fun creative spaces.

For example, students also get to experiment with different interests through activities like 3D printing, cooking, coding, and more. The campus is equipped with both outdoor and indoor sports facilities that include a basketball court, swimming pool, futsal court, football field, and running track.

Learn Materials Prepared In Collaboration With Tech Giants Like Microsoft

Engaging students in activities that encourage the application of knowledge and skills to various contexts will only solidify their learning process. Sri KDU’s new ground-breaking campus in Klang collaborates with prestigious local and international tech companies, universities, an advisory panel of technopreneurs to provide students the opportunity to work on real world projects, develop new products with start-ups, and internship placements.

Sri KDU Klang has partnered with technology giants namely Microsoft to optimise the school’s design and layout. The faculty members have access to a wealth of Microsoft training content in addition to other comprehensive internal training programmes to present students with the best academic experience.

Besides digital education, Sri KDU offers the Cambridge Primary and Secondary curriculum leading to the IGCSE programme whereby students will gain a qualification that is globally recognised.

***

With the world relying on the internet for work, leisure, and life in general, digital skills have only become more relevant in every sphere of children’s lives in which, current trends have recently shown that it will continuously increase as they embark to their respective adulthoods.

If you’re looking to provide your children with an education programme that echoes today’s ever-changing world, you can consider Sri KDU’s Klang campus and take advantage of the special rebates.

Find out more about Sri KDU Klang Campus
here.

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4 Ways You Can Save Money On Food & Dining

With the new year only a few weeks away, some of us may already be planning our resolutions for 2023. When it comes to money goals, it’s natural to want to increase our savings fund or save for a specific goal, such as travelling or purchasing a home, which can be difficult to manage amidst rising inflation.

Food and drinks typically make up a significant portion of our budget being that they’re daily essentials. This is even more so during festive seasons or when celebrating special occasions. To help you cut back on your spending so you’re well on your way to save healthier amounts,
here are four ways to save money on food and dining
:

Did you know that you could get a FREE chicken meal at Nando’s?

So you’ve collected 3 Chillies – what’s next?

Let’s see how Nando’s rewards programme compares to other food chains

Basically this means with a minimum spend of RM90 over 3 visits, you will get a Chicken Meal worth RM22.90 ON-THE HOUSE!

There’s more to it!

● The Chillies you’ve collected will never expire
● You can collect 1 Chilli/day
● Upon earning your Chicken meal, redeem it within 3 months or it will expire
● 50 lifetime Chillies will earn you a Full Platter
● Enjoy Birthday reward on your birthday month
● Get exclusive invites to events hosted by Nando’s
● Be the first to hear about the latest news and promos

*Terms & Conditions apply

So there you have it – a tasty way to redeem a free Chicken meal just by dining at Nando’s! Remember to sign up as a member on Nando’s Malaysia mobile app and log in to order after scanning the QR code on your table.

Whether you’re a college student looking to share meals with friends or a married couple interested in getting more value from your dining experience, becoming a Nando’s member can be really rewarding.

Click here
 to learn more about Nando’s Generously Generous Rewards Programme.

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Lisa Ameera Azman

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What Benefits Parents Can Enjoy When Using Visa to Send Money to their Children Abroad

One of the most memorable moments for parents would probably be the day their children leave home to pursue higher education abroad. For some, this might even be the first time they are living apart from their children. Understandably, it is a transition period that is full of mixed feelings; excitement for their children’s new journey but also worry for their well-being in a new environment. Not to mention, there are also financial aspects to consider. For parents whose children are leaving for higher education abroad, these feelings are amplified since long distance makes it difficult for them to offer help during emergencies.

In the financial aspect of things, about 60 per cent* of parents who sent their children to study abroad admitted that the exchange rate plays an important role in deciding how to make payments for their children’s education fees. Other factor includes concerns that the large international transfer amounts will be rejected.

That said, one of the benefits of living in today’s world is the convenience that comes with modern technology. It not only elevates our quality of life but also provides us solutions that surpass traditional methods. For example, instead of making a wire transfer, parents today have the option to provide their children with a
Visa multi-currency prepaid or debit card
and enjoy a myriad of financial benefits.

(*
WPM International Student Payment Experiences White Paper, 2018
)

What is a Visa Multi-currency Card?

Visa partners with banks and other companies to launch multi-currency debit and prepaid cards that can hold and pay in multiple currencies. It functions just like your everyday debit card that can be used for daily transactions. You can use it for contactless payments by tapping it against a point of sale (POS) terminal, or as an ATM card to withdraw your money.

The main difference between a multi-currency card and your everyday debit card lies in its name – multi-currency, as it allows cardholders to hold and pay in multiple currencies.

The multi-currency card is not exclusively issued by Visa, but by Visa’s partner issuers, typically banks such as
HSBC
 and
RHB
 that issue multi-currency debit cards. It can also be issued by foreign exchange companies such as
Merchantrade Money
 that provides its own multi-currency prepaid card.

Now that you know what a Visa multi-currency card is, how exactly can parents with children studying abroad benefit from it? Let’s find out.

Switch Currencies with Just One Account

As explained previously, the biggest perk of owning a multi-currency card is the ability to hold multiple currencies with just one account. Typically, when you want to go travelling, you need to find a money changer that offers the best exchange rates to get the most out of your money. With a multi-currency card, there is no need to visit a money changer as it allows you to automatically switch currencies wherever you go. You can buy, save, transfer, and spend the money in your account in the currency of the country you are currently in.

Opening a multi-currency account is as simple as opening your everyday savings account. For a multi-currency debit card, you can visit any banks of your choice that offer a multi-currency account and have the multi-currency card issued to you at no cost. On the other hand, for a multi-currency prepaid card, you can simply choose to visit the foreign exchange company’s website or any branches nearby. Some charges may apply to get your multi-currency prepaid card issued to you.

With a multi-currency account and the Visa multi-currency card that comes with it, you get to enjoy
competitive real-time currency exchange rates at minimal or even zero exchange fees
, depending on the banks or card’s issuers. That is why a multi-currency card is suitable for frequent travellers and also for someone who is staying overseas temporarily for a long period, such as an international student.

However, do keep in mind that the extent of benefits that you can enjoy also depends on the issuers. Besides that, some banks do offer attractive interest rates on your account balance of selected foreign currencies for selected Visa multi-currency cards. Hence, besides providing your children with financial security, you will also get to save and grow the money at the same time.

Make Payment Online or In-Store Using Local Currencies Without Conversion Fees

With the Visa multi-currency card, your child can conveniently pay for his or her tuition fees online or offline without any worry that the payment may get rejected due to large international transfer amounts, while parents can enjoy competitive currency exchange rates, as determined by the respective card’s issuer and zero exchange fees. What’s more, Visa is accepted by many merchants worldwide, including most schools across the world.

Besides paying for his or her tuition fees, the Visa multi-currency card will come in handy for your child’s day-to-day life abroad. Living in a foreign country does not mean that they should revert to the “cash-only” life or one without the convenience of contactless payments or tap to pay.

Students will get to enjoy using local currencies without conversion fees with their Visa multi-currency card when they shop online or in-store, no matter where they are in the world. Using a multi-currency card allows direct transactions between the cardholder and the merchant, which makes the transaction process simpler and at a lower cost since there are no intermediaries involved. Since the card carries multiple currencies, money is exchanged automatically at no extra charges.

The Visa multi-currency card can also be used for ATM withdrawals at no extra charges. When in need of cash, Visa multi-currency cards would have got you covered too.

Easy Account Opening and Management

Most banks today allow applicants to open an account online, without the need to physically visit the bank’s branches. It is easier for existing customers of a bank to open a multi-currency account. However, for new customers, you may need to open a savings account first with the bank of your choice. So, make sure to check with the bank you plan to open an account with as the requirements may differ. Foreign exchange companies today also provide an all-digital account opening option.

As mobile banking becomes the norm in today’s new normal – multi-currency account holders can expect such services as well. This applies to non-bank Visa multi-currency card issuers such as Merchantrade Money who have their dedicated mobile app for managing the account.

Through the convenience of mobile banking and cash management mobile app, cardholders can easily manage expenses and track balance via the mobile app. Say goodbye to second-guessing if you have a sufficient account balance.

Multiple Layers of Protection

Visa protects your multi-currency card the same way it does for all of its other cards and promises robust security solutions to help consumers achieve ultimate peace of mind.

For example, the Verified by Visa programme provides multiple layers of protection for online transactions as well. Visa employs a password-protected authentication system to confirm the identity of the cardholder when a Visa card is used online. A password will be sent to the cardholder via SMS, so only the cardholder can authorise any kind of payment made online. Meanwhile, for multi-currency debit cards issued by banks, you can also rest assured that your deposit in the bank is protected by Perbadanan Insurans Deposit Malaysia (PIDM).

This way, you can be sure that your money is always protected; both offline and online, and even abroad.

***

All parents have their children’s best interests at heart, even more so when they’re physically apart. Visa multi-currency debit or prepaid cards can offer parents financial benefits and peace of mind knowing that their children will have access to financial security.

If you are interested to find out more about Visa multi-currency debit or prepaid cards, you may check with your respective banks or preferred foreign exchange companies for more information. To find out more about Visa, you can visit their
website here
.

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Public Bank MasterCard’s Dell online promotion

It’s a good time to buy a Dell computer if you’re a Public Bank MasterCard credit card or debit card holder.

From now till 31 Jan, you’ll
enjoy 5% off selected Dell laptops and desktops
 listed on their site.

What’s more, spending RM2,500 and above will also get you an exclusive Dell gift pack worth RM519. The pack consists of a Dell backpack, portable external hard disk and wireless mouse.

We hope Public Bank keeps Dell-ivering great credit card promotions like this. Oh, and don’t miss a read of the
T&Cs
.

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Start Unboxing RM600 Lazada e-Vouchers, Apple AirPods & More This Week

October is here and you’re guaranteed to get rewarded with gadgets and e-Vouchers when you apply for selected credit cards.

For those who are new, the Unbox This Week Campaign is a weekly campaign where we present the best deals from our featured bank partners. All you have to do is apply for selected credit cards from these banks through RinggitPlus and you’ll get to receive exclusively selected gifts!

This week (4 – 11 October), our featured bank partners are
Citibank, HSBC, Standard Chartered, and CIMB

– if you have considered applying for any of these banks, check out the deals below.

C
itibank – Guaranteed Apple AirPods

The Apple AirPods continue to be one of the most aesthetically pleasing wireless earphones out there. Worth RM699, the Apple AirPods has a universal fit that’s comfortable to wear all day while immersing you in rich high-quality sound. Guarantee yourself a pair when you apply, get approved, and spend with a new Citibank credit card.

To be eligible, remember to activate and spend a minimum of 8 retail transactions on your new card within 60 days upon approval. Once the bank has confirmed your eligibility, you’ll receive instructions from us via email on how you can claim your gift.

Please take note that current card members and individuals who have cancelled their Citibank credit cards within a year prior to this campaign do not qualify for this promotion. Otherwise, those who wish to apply for their new Citibank credit cards can
head on over here to do so.

HSBC – Guaranteed RM600 Lazada e-Voucher

Fill up your Lazada cart with all your monthly essentials, gadgets, or something to splurge on because you’ll be guaranteed to get RM600 Lazada e-Voucher when you apply, get approved, and spend with a HSBC credit card!

Upon approval, activate your new card and spend a minimum of RM1,000 within 60 days to take home your prize.

Just remember that current cardholders and applicants who were denied or have cancelled their HSBC credit cards within 6 months prior to this campaign are not eligible to take part in this campaign. Otherwise, you can apply for your
HSBC credit card here
.

Standard Chartered Bank – Guaranteed RM600 Lazada e-Voucher

Another guaranteed cash prize with selected Standard Chartered credit cards! Receive RM600 Lazada e-Voucher and spend it however you like. PS: It’s especially useful on those double date sales days!

Applicants are still required to activate their card within 30 days upon approval to be eligible for this prize.

Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past 6 months are not eligible for this campaign in the past six months. If you qualify, then you can
apply for your new Standard Chartered credit card here.

CIMB – Guaranteed Xiaomi Redmi TV Soundbar

Looking for that one item to complete your living room? The Xiaomi Redmi TV Soundbar is just the thing! It’s sleek, black, and it can fill up the room with your favourite music anytime.

Just apply, activate, and swipe any transaction amount with a new CIMB credit card to take home this guaranteed prize of a Xiaomi Redmi Soundbar.

Please take note that existing cardholders of any CIMB credit card and individuals who have held or cancelled a CIMB e credit card in the past 6 months are not eligible for this campaign. Otherwise, you can apply for a
CIMB e credit card here.

***

Finally, be sure to start your application with our WhatsApp chatbot so your eligibility is guaranteed, and we can always be at hand to help you when you need us.

While this week’s flash deal ends on 11 October (1pm), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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Apply For Selected Credit Cards

& Get Guaranteed Gifts

Apply Now

About THE AUTHOR

Katrina Balan Quiroz

Katrina Balan Quiroz

Copywriter. Katrina is fueled by a need to turn a confusing wall of text into something comprehensible, and drip coffee.

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JPJ Offers 70% Discount For Summonses, Starting Today Until 11 June

The Malaysian public can now tap into a 70% discount that is being offered by the Road Transport Department (JPJ) on traffic summonses, in conjunction with its 75
th
 anniversary. The discount will be provided starting from today until 11 June 2021 (60 days).

According to the
JPJ’s Facebook post
, this offer is for summonses that are compoundable, and excludes cases that have been moved to the courts. It further clarified that eligible summonses must be issued under the following acts:

Road Transport Act 1987 (Act 333)

Commercial Vehicles Licencing Board Act 1987 (Act 334)

Land Public Transport Act 2010 (Act 715)

These include blacklisted cases as well, although offenders in such cases will need to first visit a JPJ office to resolve it before payment can be made.

(Image: Bernama)

Transport Minister Datuk Seri Dr Wee Ka Siong said that the discount will be applicable for 3.5 million active summonses identified from 2010 to March 2021. “I encourage the public to pay their summonses online to avoid congestion at JPJ offices,” he said. The public can pay their summonses at JPJ offices and branches, UTC outlets, and online through the department’s official portal.

On top of that, Wee also said that the department has introduced JPJeQ app, an online waiting queue system to avoid a crowded, confined and closed environment at JPJ offices. “The mobile application will allow customers to choose the JPJ branches that are less crowded and use QR codes to get the waiting number, and it is a friendly app to people with disabilities and senior citizens,” he shared.

(Sources:
Paul Tan’s Automotive News
,
New Straits Times
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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GrabFood And All Other Grab Services Will Still Operate During Restricted Movement Order

One of the biggest question marks that came up from the Restricted Movement Order announcement by Prime Minister Tan Sri Muhyiddin Yassin a few hours ago was whether eateries would still be able to operate, and by extension, whether food delivery services such as GrabFood will be able to serve Malaysians.

In a tweet posted just minutes ago, Grab Malaysia has announced that all its services: GrabFood, GrabMart, GrabExpress, and its Transport services will operate as usual.

With regards to the announcement by our Prime Minister's on COVID-19, rest assured that ALL our services: GrabFood, GrabMart, Transport & GrabExpress -will operate as usual. We remain committed to supporting our community as we go through this tough time together as a nation. 1/2

— Grab Malaysia (@GrabMY)
March 16, 2020

Now, given the vagueness of the speech from the Prime Minister, nobody is quite certain if eateries will actually be able to operate. That’s because in the list of “essential services” that may still operate as usual, “food supply” is one them. But what exactly does “food supply” mean? That, unfortunately, is still up for debate.

However, the fact that Grab Malaysia has pledged that GrabFood services will continue to operate as usual is a big sigh of relief for many Malaysians who may be working from home or have a boba or chicken nugget craving.

We are expecting more details to come from Grab Malaysia on the Restricted Movement Order and how it’ll affect Grab’s suite of services, and will update this article when we receive them.

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Pang Tun Yau

Pang Tun Yau

A seasoned tech journalist who now focuses on his other passion, Pang is a firm believer in old-school DCA and optimised spending.

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    Annoyed

    3 years ago

If there is no one to pickup. What’s the point of driving around?? Even with no lock down there’s hardly any trips.

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Maybankard debit card overseas spend could win you a trip!

That’s right. And all you have to do to take part is
make at least one point of sales transaction of RM200 and above while overseas
. Entry is automatic with no pre-registration, SMS or contest forms needed.

If you’re the First, Second or Third Prize winner, you’ll get a RM15,000, RM10,000 and RM5,000 travel voucher respectively. There will also be 40 Consolation Prize winners of RM500 cash.

Contest ends on 28 February. Have a read through its
terms and conditions
.

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Get More Value for Accommodation When You Travel

Are the serene blue waters of Bali calling out to you? Or perhaps you’re craving a truly Malaysian holiday? If you’ve answered yes to one or both of these questions, then it’s a sign you’re in serious need of a vacation!

Wherever you choose to go, you can #GetMore value from your accommodation; just read on to find out how.

Expensive Accommodation

Apart from travel tickets, accommodation is the next highest expense on the travel totem pole, especially for Malaysians travelling abroad and being on the receiving end of low exchange rates.

Even costs for local travel are on the up and up due to economic factors and the GST’s implementation.

Now more than ever, we look to #GetMore for every precious Ringgit we spend, but can it be done? We think so! To prove it, we’ve prepared a list of crafty ideas to help you #GetMore value out of your accommodation plans.

1) Book Smart

There are times when it might be better to skip the usual online travel booking sites and go right to the source – hotel reservation staff.

Why? They can negotiate lower rates, and throw in worthy extras like free breakfasts and late-checkouts.

Also, if your vacation is celebrating something like a birthday or anniversary, do ask for assistance to make it more special. Hotels more often than not, try their best to oblige your requests.

The result: they may be sending up a free cake or fruit basket to accommodate you, and valuable little touches like this NEVER come with online booking sites.

2) Upgrade to Lounge / Club Access

People tend to be apprehensive of the ‘luxury’ associated with names like ‘executive floor’ or ‘privilege club’, but it’s really just an opportunity to benefit from special services like free refreshments and complimentary use of the business facilities in the hotel.

It will cost a little more, but it is well worth the money if you require such conveniences and find you have no need to pay for wifi, food or even alcoholic beverages.

In addition, some hotels even sponsor access if you sign up for hotel membership or book an executive-level room.

3) Hotel Loyalty Programmes and Points

These programmes are usually free to join, but if there is a fee involved, you’ll need to evaluate if it is worth the cost or simply wasteful.

One way to assess if you should pay for membership is if you can recoup what you paid, Ringgit for Ringgit, with immediate redemptions such as a free night stay or restaurant dinner vouchers.

If you have any to spare, do use up your points to get better room rates or for ‘credit’ to purchase premium services like access to the executive lounge and complimentary WiFi.

4) Get the Right Accommodation For Your Vacation

If travelling with less than four people, hotel accommodations are still a viable option cost-wise, but only if you book a larger room and maximise sharing capacity.

If vacationing with a larger party, serviced-apartments suites could be a cheaper, value-for-money choice. Especially for ones with kitchenettes, since outside cooking is usually allowed in these types of lodgings making food costs easier to manage.

For longer vacations that span a few locations, you don’t have to hop from one hotel to another. Try instead to vary your accommodation plans by camping, staying with friends or utilising inexpensive hotel alternatives (hostels, flats and short-term rentals).

It’s a contrasting experience to hotel life and it often helps you fully appreciated where you are!

5) Schedule Strategic Transit Times

Depending on the length of your journey, you may want to reduce hotel stays by booking flights or other modes of transits to bring arrivals/departures as close as possible to check-in/check-out times.

You can also schedule a later flight or red-eye if you can manage it. Then, allot time for sightseeing after you’ve checked out to make the most of your vacation time.

With this method you can look forward to saving the cost of spending an extra day or half-day in the hotel.

Here are a few more quick tips with sage advice to help you spend wisely and #GetMore:

1) Earn points you can use to lower accommodation costs by writing a review for online travel sites like
Tripadvisor
.

2) Always check if rates charged are inclusive of tax and service charges.

3) Bundled flight and accommodation packages can be more economical than purchasing both separately, but compare first before you commit.

4) Do check if payment by credit card will activate any discounts or promotions, and consider using it if possible. A
good travel credit card
 should give you more discounts and freebies when you swipe.

5) Negotiate – don’t be afraid to haggle a little, especially for group vacations.

Getting Truly Valuable Accommodations

Finding more value requires one to truly understand its concept and not to simply mistake it for CHEAP or worse, FREE. Even though some accommodations appear supremely tempting or promising unbelievable value-for-money, you’ll need to recognise if it’s just too good to be true.

Put your suspicions to rest by running a quick internet search. If warnings and scam alerts pop–up, it could be a red flag urging you to steer clear and look for other options. It’s always better to be safe than sorry.

Whatever you choose to do – always ensure you keep safe because that truly is the best way to #GetMore – avoiding additional trouble where you can!

Did you like learning how to #GetMore for your travel in this article? Follow our #GetMore hashtag on your favourite social media channels as we bring you more tips on how you can get more for your money in everything from travel to shopping and dining until the close of 2015. Who wouldn’t like to #GetMore for their money?

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UOB credit card perks at F By Buffalo Kitchen

Offering Asian and Italian inspired fusion dishes,
‘F’ by Buffalo Kitchen

claims their food is so good it’s to die for and their drinks worthy of murder.

Well they must be measuring up to standard as they’ve been operating since

2009. And if you happen to be dining with a UOB credit card you are entitled to

15% off ala carte menu items.

This promotion is valid from 2 May till 31 December 2013 and

not applicable with tobacco products or alcoholic beverages. This also excludes

other offers, promotions, discounts, set menu, functions, special events and

loyalty programmes. Please refer to the
Terms

& Conditions
 page for further clarification.

Ever wondered what life would be like with a UOB credit

card? Wonder no more, find your perfect match at
RinggitPlus.com

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Brendon Lee

Brendon Lee

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Cast Your Votes In The First-Ever RinggitPlus Readers’ Choice Awards 2020!

As we come to the end of an extraordinary year, we thought of ending the year on a happier note. With all that’s happened this year, it’s easy to forget that it has been a very interesting time in the personal finance space.

2020 saw the “normalisation” of cashless payments, including the timely introduction of e-wallets as well as PayNet’s DuitNow initiative. And as usual, we saw some fantastic credit cards launched, both in the cashback and air miles/rewards points space.

But which credit cards deserved to be recognised as the best among the hundreds in Malaysia? Which banks should be commended for their efforts in making banking accessible? Which were your favourite e-wallet apps?

That’s the purpose behind the introduction of The RinggitPlus Awards, an editorial initiative to recognise the best and outstanding efforts and products in the industry. The Readers’ Choice Awards would also give a voice to the community, which ultimately is what this is all about. Who knows, your votes here and in the coming years could actually shape the products of tomorrow?

Without further ado, I’d like you to take part in the first-ever RinggitPlus Readers’ Choice Awards. As a token of appreciation, all participants will receive a free Personal Credit Report Plus from Experian to help you kickstart your financial planning for the new year.

We’ll be collecting responses from now until 28 December, and will announce the results by the end of the year. Happy voting!

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Pang Tun Yau

Pang Tun Yau

A seasoned tech journalist who now focuses on his other passion, Pang is a firm believer in old-school DCA and optimised spending.

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    Cocii Oh

    2 years ago

sure is more reward is better one ..

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    Fasha Syafiqah

    2 years ago

The best CC is Affin Duo, more cashback n reward😍

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    Asmiza

    2 years ago

The more rewards the better

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All things BSN Credit Cards!

Getting a credit card for the first time is often exciting, it only happens when you are either old enough to use one or financially independent enough to afford one. BSN credit cards are made to be useful tools that help make your everyday life a little easier.

So how are BSN credit cards different from any other card?

For starters, with BSN you get to save on annual fees because these cards are free for life. Most of the time cards come with a fee that is later waived for promotional periods or special occasions, but BSN helps you out from the get-go with no annual fee imposed at all. That means this card is really free for life.

That goes for supplementary BSN credit cards as well. So, you can gift a card to a loved one without having an extra charge for yourself.

A credit card for emergencies

Having a credit card when you’re in a pinch is super useful. For example, charge your BSN credit card at clinics and hospitals for medical emergencies or when you need to replace your broken-down refrigerator ASAP.

What if I can’t charge my card and need cash ASAP?

With BSN you have the option of taking out a quick cash loan with BSN EasyCash. Cardmembers can opt for this plan where they can make cash withdrawals from minimum amounts of RM1,000. Simply get the loan approved and instant cash comes your way.

The BSN EasyCash has no processing fee, fast approval and a repayment period that goes up to 36 months. Since the repayment interest rate is only 8.5% p.a. you’ll have it paid off in no time.

How do you get the cash loan?

To apply just download the application form and you’re good to go. Either mail or fax it to them using the contact details on the form. Once approved you can use the funds for just about anything from paying your student loans to going on a much-needed vacation.

It’s only available to the Principal cardholders, but supplementary cardholders can still withdraw cash from an ATM if you’re in a pinch but be advised that there is an 18% interest that is imposed.

What about other fees? Not to mention interest rates…

Sure, they don’t charge you an annual fee but they might charge you something else. Well, you could be on to something there. Like most cards, BSN credit cards have an annual interest rate. Difference is that, BSN cards have lower interest rates.

Unlike most banks that at their lowest offer an interest rate of 15%. BSN credit cards have a minimum interest rate of 13.5% p.a. that can go even lower if you are a government employee. These lower interest rates are effective immediately when you have a BSN credit card.

The only other fees you’ll be paying for the use of this card is the statement fee, withdrawal fee if you needed money in an emergency and a replacement fee if you either lost or damaged the card.

Of course, there are perks to getting a credit card

It’s a pretty common trend nowadays for you to get some kind of reward when using your credit card. Similarly, BSN has its Happy Rewards Programme that allows you to earn points and exchange them for gifts from the BSN Happy Rewards Catalogue. Don’t tell anyone, but you get double the points when you shop overseas.

What if I have credit card debt?

Switch over to a BSN credit card to get in on an awesome balance transfer programme. When signing up for your new BSN credit card you can simultaneously apply for the BSN Balance Transfer Programme.

It allows you to transfer the unpaid balance from your old card into your new BSN credit card and pay it off the outstanding balance in small installments with low interest rates.

How do I get the
BSN Balance Transfer
?

A balance transfer, will take the unpaid credit from your old card and bring it over to your new card. So, you will need to have a photocopy of your latest credit card account statement for the bank from which you’d like to transfer from.

Combine that and a completed the application form that you can download
here
. Remember to pick a repayment tenure that works for you, the interest rate with vary depending on the tenure you select. Some repayment periods skip the interest all together with 0% p.a.

Finally, you can either email it to
[email protected]
 or fax it to 03-21411291.

Credit card shopping perks

Aside from rewards and discounts BSN provides its cardholders with two types of flexi payment plans. First off is the BSN 0% EasyPay Plan where you get to break up the

payments for your purchases into year-long installments at 0% interest.

This plan is only applicable at participating merchants. To check if the store you’re shopping as has the plan available simply ask the cashier. If it is available let them know you’d like to use the BSN 0% EasyPay and your next statement will have the plan set up. If the merchant is not in fact on the list, relax there is always option 2.

Next up, the BSN Installment Payment Plan

This one is a plan that works with all merchants. The only difference is that you have a small one time upfront interest rate. Don’t worry, you only pay for it once and the interest only goes as high as 5%, after that your monthly installments are interest free.

To get this plan, call BSN at 1 300 885 855 within 3 days of your purchase and have them convert it under the plan for you.

As if you needed more reasons to get a BSN credit card

BSN Credit Cards are exclusively for Malaysians, perks and all. That doesn’t mean that it won’t go overseas with you. Charge your air travel tickets to your
BSN credit card
 to get automatic travel of up to RM1,000,000 and coverage for travel inconveniences. So pick a card that suits you the most and hit that ‘Apply’ button and join the BSN club.

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Royal CIMB Credit Card Discounts At Chakri

CIMB cardholders can dine like Thai royalty at Chakri Palace or Chakri Express and receive privileged discounts when they pay with a CIMB credit card or debit card.

This all-year long promotion ends on 31 December 2013 and offers cardmembers a 15% discount on dine-in bills.

Discount is not applicable with other on-going promotions and discounts however. Click
here
 to get further details and Terms & Conditions.

Fancy getting a CIMB credit card for yourself? You can find the right one for your spending needs on
RinggitPlus.com

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10,200 Households Now Living In Poverty Within Kuala Lumpur

(Image: Bernama)

Minister in the Prime Minister’s Department (Economy), Datuk Seri Mustapa Mohamed has said that the number of households categorised as poor and hardcore poor in Kuala Lumpur has increased to 10,200 families. This figure based on the latest e-Kasih data verification, obtained from the department’s Implementation Coordination Unit (ICU).

Datuk Seri Mustapa also broke the number down, saying that 6,800 families fell under the poor category and 4,400 under the hardcore poor category. “This data is obtained based on the Poverty Line Income of the Federal Territory of Kuala Lumpur which classifies families with incomes below RM2,216 as poor and RM1,110 and below as hardcore poor,” he added, speaking after conducting a poverty survey and data verification process at the Perkasa People’s Housing Project (PPR), Taman Maluri.

(Image: Malay Mail)

The minister also said that the ICU department of the Prime Minister’s Department will identify and assist families who are in need by going down to the field to provide explanations regarding the e-Kasih programme. This is a part of the government’s effort to create a strategy to tackle urban poverty under the 12
th
 Malaysia Plan.

At a separate event, Datuk Seri Mustapa also noted that the government will work on reducing the country’s poverty rate following the Covid-19 pandemic, which has impacted the people’s income. He said that while the poverty rate was initially recorded at 5.6% in 2019 based on the
Household Income, Expenditure, and Basic Amenities Survey 2019
, the number will have changed now due to the pandemic.

(Image: Aliran)

“The poverty Line Income review study was conducted in 2019 and announced last year. So this study does not cover what happened in 2020. If we look at 2020, that is when the Covid-19 pandemic struck, and now, the numbers are definitely different. In 2019, the poverty rate was 5.6%. There was an estimate done by the Department of Statistics Malaysia (DOSM) during the Covid-19 period, that it (the rate) could increase by about 3%, namely 8.4%,” said Datuk Seri Mustapa in an interview in conjunction with the one-year anniversary of Malaysia Prihatin.

The minister also stressed that the issue of national poverty was placed as one of the priorities under the 12
th
 Malaysia Plan, focusing specifically on eliminating hardcore poverty and reducing socio-economic inequality. These will be achieved through the implementation of comprehensive and targeted programmes.

(Sources: The Sun Daily [
1
,
2
])

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Household Income & Basic Amenities Survey Report 2019

National Poverty Line Income

Poverty Line Income

About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Standard Chartered cardholders get double the sweet endings

Do drop by your nearest Ichiban Boshi outlet if you have a Standard Chartered credit card. Indulge your appetite for Japanese cuisine there and you’ll enjoy
one free dessert for every one you purchase!

Promotion runs until 30 June. Terms and conditions apply.

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Samsung Pay Celebrates Second Anniversary With Extra Points For All Users

To celebrate its second anniversary, Samsung is rewarding all Samsung Pay users who use the app with extra points until the end of this month.

For every purchase made with Samsung Pay, users will receive an extra 10 points throughout the program period on top of the current tier point system. Points that Samsung Pay users earn can then be redeemed for products, vouchers, rebates, and experiences provided by Samsung and third-party merchants. Under the current tier point system, users will be awarded more points per transaction if they are in the higher tiers. Bronze Tier earns 20 points per transaction, while Silver and Gold Tiers earn 30 points and 50 points respectively.

For the Samsung Pay Second Anniversary promotion, Samsung Pay users may earn extra points for up to 50 Qualified Transactions within the duration of the program. That means all users can earn up to an extra 500 points during this campaign.

The program is applicable to all new and existing Samsung Pay users that are updated with the latest version of the Samsung Pay app.

(Source:
Samsung
)

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Olivia Song

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Govt Offers Special Covid-19 Cash Aid, Unemployment Financial Assistance

Prime Minister Tan Sri Muhyiddin Yassin has introduced two cash aids for the public during the unveiling of the latest PEMULIH stimulus package, namely a special Covid-19 cash assistance (BKC) for selected recipients and a financial aid for those who are unemployed.

With regard to the special Covid-19 cash assistance, the aid will be provided to the following groups based on the schedule below:

Categories
August
November
December
Total
Hardcore poor households
RM500
RM500
RM300
RM1,300
Hardcore poor individuals
RM200
RM300
–
RM500
B40 households
RM500
–
RM300
RM800
B40 individuals
RM200
–
–
RM200
M40 households
RM250
–
–
RM250
M40 individuals
RM100
–
–
RM100

According to the prime minister, a budget of RM4.6 billion has been allocated for this special Covid-19 cash assistance, and it is expected to benefit more than 11 million households and individuals.

(Image: Mashable)

Muhyiddin also highlighted that this special cash assistance is on top of the existing Bantuan Prihatin Rakyat (BPR) cash aid that is already being provided via previous stimulus packages, including
PEMERKASA
and
PEMERKASA+
.

Aside from this, the government has also agreed to provide financial aid for those who are unemployed (Bantuan Kehilangan Pendapatan). Through this one-off aid, RM500 will be channelled in October to workers who had lost their income, based on data from the Employees Provident Fund (EPF) and the Social Security Organisation (SOCSO). A total of RM500 million has been earmarked for this aid, and will benefit up to one million individuals.

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Alex Cheong Pui Yin

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Malaysia Personal Income Tax Guide 2019 (YA 2018)

Editor’s Note:
This guide is for the year of assessment 2018. Please visit our updated
income tax guide for YA 2019 here
.

Income tax season is here in Malaysia, so let’s see how ready you are to file your taxes. Have you gotten your EA form your employer(s)? Do you know how to figure out your income tax rate, add up your tax reliefs, and calculate your tax refund? Have you registered as a taxpayer, logged yourself into e-Daftar, and familiarised yourself the right e-Borang to fill? Do you even know what any of these
income tax terms
 mean?

If you’re still in the dark, here’s our complete guide to filing your income taxes in Malaysia 2019 for the year of assessment 2018.

Who Needs To Pay Income Tax?

Any individual earning more than RM34,000 per annum (or roughly RM2,833.33 per month) after EPF deductions has to register a tax file. You must pay income tax on all types of income, including income from your business or profession, employment, dividends, interest, discounts, rent, royalties, premiums, pensions, annuities, and others.

So for salaried employees, this not only includes your monthly salary, but also things like bonuses, overtime, commissions, and
all other taxable income
. If you’re not sure what counts as income that you have to declare for tax purposes or not, scroll down to our section on statutory income below.

You don’t have to pay taxes in Malaysia if you have been employed in the country for less than 60 days or for income that is earned from outside Malaysia.

Understanding Tax Rates And Chargeable Income

Here are the tax rates for personal income tax in Malaysia for YA 2018.

Chargeable Income (RM)

Calculations (RM)

Rate %

Tax (M)

0 – 5,000

On the First 2,500

0

0

5,001 – 20,000

On the First 5,000

Next 15,000

1

0

150

20,001 – 35,000

On the First 20,000

Next 15,000

3

150

450

35,001 – 50,000

On the First 35,000

Next 15,000

8

600

1,200

50,001 – 70,000

On the First 50,000

Next 20,000

14

1,800

2,800

70,001 – 100,000

On the First 70,000

Next 30,000

21

4,600

6,300

100,001 – 250,000

On the First 100,000

Next 150,000

24

10,900

36,000

250,001 – 400,000

On the First 250,000

Next 150,000

24.5

46,900

36,750

400,001 – 600,000

On the First 400,000

Next 200,000

25

83,650

50,000

600,001 – 1,000,000

On the First 600,000

Next 400,000

26

133,650

104,00

Exceeding 1,000,000

On the First 1,000,000

Next ringgit

28

237,650

……….

Based on this table, there are a few things that you’ll have to understand. First of all, you have to understand what
chargeable income
is.
Chargeable income is your taxable income minus any tax deductions and tax relief.
 It’s very important you know how it works because as you can see, the tax rate you are charged with increases as your chargeable income does. The more you reduce your chargeable income (through tax reliefs and such), the lesser your final tax amount will be.

For example, let’s say your annual taxable income is RM48,000. Based on this amount, the income tax to pay the government is RM1,640 (at a rate of 8%). However, if you claimed RM13,500 in tax deductions and tax reliefs, your chargeable income would reduce to RM34,500. This would enable you to drop down a tax bracket, lower your tax rate to 3%, and reduce the amount of taxes you are required to pay from RM1,640 to RM585. That’s a difference of RM1,055 in taxes!

Income Taxes in Malaysia For Non-Residents

You are regarded as a non-resident under Malaysian tax law if you stay in Malaysia for less than 182 days in a year, regardless whether you are Malaysian or not. You’ll still need to pay taxes for income earned in Malaysia and will be taxed at a different rate from residents.

Here are the income tax rates for non-residents in Malaysia.

Types Of Income

Rate (%)

Business, trade or profession

Employment

Dividends

Rents

28

Public Entertainer

Interest

15

Royalty

10

Payments for services in connection with the use of property or installation, operation of any plant or machinery purchased from a non-resident

Payments for technical advice, assistance or services rendered in connection with technical management or administration of any scientific, industrial or commercial undertaking, venture, project or scheme

Rent or other payments for the use of any movable property

The Income Tax Filing Process in Malaysia

Now that you’re up to speed on whether you’re eligible for taxes and how the tax rates work, let’s get down to the business of actually filing your taxes. The deadline for filing income tax in Malaysia is 30 April 2019 for manual filing and 15 May 2019 via e-Filing. You can file your taxes on
ezHASiL on the LHDN website
.

Registering as a first-time taxpayer on e-Daftar

Before you can file your taxes online, there are two things you’ll need to do first: i)
register as a taxpayer on e-Daftar
 to get your income tax number and ii) get your PIN number from the nearest LHDN branch so you can log in to ezHASiL for the first time. If you need help on this, here’s a
step-by-step guide on how to file your taxes for the first time
.

Log in to ezHASiL and access e-Filing

Once you’ve successfully logged into ezHASiL, click on
e-Filing
 to start filling up your Income Tax Return Form (ITRF). Here are the different types of ITRFs depending on how which category you fall under:

Income Tax Return Form (ITRF)

Category

e-B/e-BT

For residents earning income from business/knowledge or expert worker

e-BE

For residents earning income without a business

e-M/e-MT

For non-resident individuals/knowledge workers

Choose the right form and select the year of assessment 2018 (remember, you are declaring your income earned for the year before).

Fill up your income tax return form

Now that you’ve gotten access to the right form, let’s get right down to the bottom of filling it out. You can choose to view your form (and in fact the entire LHDN website) in either English or BM, so language shouldn’t be an issue. Here’s a breakdown of what your BE form for residents earning income without a business will look like.

Individual Particulars

In this section, check to see that your personal details are displayed correctly on the form. Here are a few things to take note of:

Your
type of assessment
depends on how you have decided to file your taxes – whether you’re single, filing together or separately with your spouse, and so on.

Incentive under section 127
refers to the Income Tax Act 1976. It is only applicable to those who have incentives claimable as per government gazette or with a minister’s approval letter.

A TAC which is needed to sign and submit your e-form will be sent to your
handphone number registered to LHDNM
, so ensure it is correct.

Your tax refund (if any) will be returned to the
bank account number
 provided.

Disposal of asset under the Real Property Gains Tax Act 1976
 will be relevant to you if you’ve sold any property in the last year.

State Your Income

Under statutory income, fill out all the money you earn from employment, rents, and other sources in the respective boxes. The form will automatically calculate your aggregate income for you. This is where your EA form comes into play as it states your annual income earned from your employer. However, there are two reasons why you shouldn’t accept the annual income stated on your EA form as the final figure for your statutory income from employment.

First of all, you don’t need to include income that is tax exempted on your filing form, so make sure you’re aware of
what tax exemptions you are entitled to
. Secondly, there are other forms of non-salary related benefits that can count as “income from employment” and may need to be added into your income figure. For example, perquisites (which cover things like parking, medical, and transport allowances) and benefits-in-kind (such as cars, personal drivers, accommodation, and so on). If you want to find the answer to whether or not your RM100 monthly travel allowance is tax exempt, check out our article on
tax exemptions.

Once you’ve keyed in all your statutory income, the form will automatically total it up to show your aggregate income. The next step will be to move on to any tax deductions you may be eligible for so you can lessen your aggregate income. You can
make a tax deduction
 from your aggregate income if you have made a contribution of gifts or donations to the government or a government-approved charitable organisation. The deduction is limited to 7% of your aggregate income.

At the bottom of this section, you’ll have to key in the total monthly tax deductions (MTD) paid during your year of assessment. MTD or Potongan Cukai Bulan (PCB) is the compulsory mechanism where employers deduct monthly tax payments from a taxable employee’s salary. You can find this amount on your EA form.

Tax Reliefs and Rebates

We’ve already explained how tax reliefs can reduce your chargeable income (and thus your tax rate and tax amount) above. Well, here’s the part of the form where you can go ahead and claim for all the tax reliefs you’re eligible for. The full list of tax reliefs you can claim for is on the
LHDN website
; if you’d like a visual guide to these tax reliefs, you can check out our infographic on
How To Maximise Your Tax Refund
.

Once all your tax reliefs have been claimed, your chargeable income determined, and your tax rate and amount decided, you can claim for any tax rebates you are eligible for. Zakat and fitrah can be claimed as a tax rebate for the actual amount expended up until the total tax amount.

For example, say your employment income is RM50,000 a year and you have claimed RM15,000 in tax reliefs. This would bring your chargeable income down to RM35,000 and the amount of tax you have to pay is RM600. If you have contributed RM400 in the last year on zakat, you can minus that amount from the RM600 and end up with a final tax amount of RM200 to pay.

Besides zakat and fitrah, you are also eligible for a tax rebate of RM400 for yourself if your chargeable income does not exceed RM35,000, or RM400 for an individual whose chargeable income does not exceed RM35,000 and has been allowed a deduction of RM4,000 for their spouse.

Summary

Now that you’ve reached the summary page, your work is almost done. On this page, you should see the final tax amount displayed. Don’t worry if your tax amount is in the negative, this is due to what you have already paid through MTD –this means you will get a tax refund from the government. If you’re worried that you overlooked something, you can always go back through the form at this stage and amend any details that you may have missed out on; the form will make the necessary changes to the final tax amount automatically as you do so. Once you’re certain your form is free from errors, click “Continue”.

On the declaration page, request a TAC from the number you’ve registered with LHDN and key it in. Next, click the sign and submit button, enter your identification number and password in the pop-up, and press the sign button. Finally, you’re done with filing your income taxes for YA 2018!

Before you exit the website and say goodbye to income taxes for the rest of the year, make sure to save and print the acknowledgement and e-BE form for records purposes.

Amending Your Income Tax Form

Once you’ve submitted your form, you can’t make any further changes to it online via e-Filing. If you wish to make any amendments to your income tax declaration, you need to submit an appeal for amendments on or before 30 April 2019.

Here are the steps that you will need to take:

Print your e-form and make corrections in the wrong space (a brief signature next to the correction). Next, make the tax calculation manually up to the “Tax Paid” level. In the event of any balance due, the balance shall be paid on/before 30 April 2019.

Attach a letter of appeal that explains the changes you wish to make along with a copy of your e-form and all original documents and receipts to confirm income, all claims and tax deductions. Once you have done that, you will need to send it to the branch that you have registered with.

Do note that LHDN will go through each error appeal as a part of the audit process and the time taken for the amendment will depend on the information and documents submitted.

How Do You Pay Your Income Taxes?

Now that you’ve filed your taxes and determined your final tax amount, you’ll find yourself in either one of two situations.

For those subject to MTD, you may find that your final tax amount while filing is lesser compared to what was has been deducted, perhaps thanks to tax reliefs and so on. Thus, you will be eligible for a tax refund from the government. It will be credited to the bank account you’ve provided in your tax form within 30 working days after submission.

On the other hand, if you find after filing that you still owe the government unpaid taxes, you’ll have to pay them before the due date which is 30 April 2019. Here are a few of the ways you can pay your income taxes:

Method

Details

Online banking through FPX

Requires a bank account with AffinBank, Alliance Bank, Ambank, Bank Islam, Bank Muamalat, BankRakyat, BSN, CIMB, Deutsche Bank, HLB, HSBC, KFH, RHB, Standard Chartered, or UOB

Online using credit card on ByrHASiL

Visa, Mastercard, American Express accepted

Appointed banks

CIMB, Public Bank, Maybank, Affin Bank, Bank Rakyat, RHB, BSN; using bank payment slip

Pos Malaysia

Over the counter (cash only) or online

Via ATM

Only at Public Bank, Maybank, and CIMB

If you pay your taxes late, a penalty of 10% will be imposed on the balance of tax unpaid after the deadline of 30 April. If the tax and penalty is not paid within 60 days, a further penalty of 5% will be imposed on the amount owed. If you disagree with the late payment penalty, you can forward an appeal in writing to the Collection Unit of LHDN within 30 days of being issued a Notice of Increased Assessment. However, the penalty imposed has to be settled regardless of any appeal – if you are successful, LHDN will refund you the relevant amount.

Appealing Your Income Tax Notice of Assessment

After you file your taxes, there is a possibility that LHDN may serve you a notice of assessment. What is a notice of assessment? It is a written statement by LHDN that states your taxable income, amount of tax due, and so on. If you disagree with the information laid out in this notice of assessment, you can file an income tax appeal – perhaps because personal reliefs have not been appropriately given, you’ve forgotten to claim certain expenses, or an error has been made by the LHDN office.

The appeal must be made within 30 days from the date of notice in writing to the LHDN branch which issued the assessment. You’re required to fill in the Q form, write a letter stating the type of mistakes and clearly specify where they lie, and submit supporting documents for any expenses, deductions, or reliefs claimed. The appeal will be forwarded to the Special Commissioners of Income Tax. Should you have a valid reason for requiring more than 30 days to file an appeal, then the N form is the one you’ll need. Both Q and N forms are available at the LHDN office.

More On Malaysia Income Tax 2019

Hopefully, this guide has helped answer your main questions about filing personal income taxes in Malaysia for YA 2018. If you have any questions about the whole process, don’t hesitate to ask us in the comments and we’ll do our best to help you out. For more in-depth information about all things income tax-related, check out our other articles below:

How To File Your Taxes For The First Time

Income Tax Glossary

Tax Exemptions

How To Maximise Your Income Tax Refund (Tax Reliefs)

Income Tax In Malaysia YA 2017 vs YA 2018

Tax Deductions For Donations And Gifts

You can also find more tax-related content in our
Income Tax
 page.

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    lee

    3 years ago

hello, i checked my tax under ‘mytax’ category. my tax payment under ‘bayaran & lain-lain’ is, for example, -1300.60. does that mean i dont need to pay as it is negative or it means i need to pay ?

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    Jacie Tan

    3 years ago

    Reply to

        lee

Don’t need. 🙂

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    Amirul Lim

    3 years ago

Hi, I have not being employed for year 2019. No contribution EPF. Am just doing odd jobs selling burger, ride hailing etc. making approx rm2.5K to 3K monthly for year 2019. Previous years I have declared Income Tax’s. For year 2019, do I need to do my e-filling??

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    Charmaigne2028

    3 years ago

HI in my income tax form total is 46k plus. do i need to deduct commision bonus and allowances for me to get the statutory income?

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    Voon

    2 years ago

the calculation is so weird! can anyone explain it to me how does the math work here….i multiply it on the percentage but it is so different from the payable

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    Pang Tun Yau

    2 years ago

    Reply to

        Voon

That’s because the tax amount is capped at a maximum value. You don’t actually pay the full percentage value of the tax bracket you fall under (and that’s good!)

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Finance Minister: No Final Decision On Extension Of Loan Moratorium Yet

(Image: Malay Mail)

Finance Minister Tengku Datuk Seri Zafrul Abdul Aziz said that the government has yet to decide on whether the loan moratorium will be extended.

“Regarding the moratorium, we are still in discussions and have not reached a final decision,” he said in a Q&A session during a Parliament sitting earlier today. He added that the government is in the midst of discussing with the banks on using a targeted approach in helping borrowers with their loans.

Tengku Zafrul commented that targeted financial assistance will be a more suitable approach as most businesses have started reopening since May, which means that most borrowers are now able to generate income and finance their loans.

(Image: The Star)

“As such, the next steps are to have continued discussions with local banks to provide more targeted aid. For example, this may mean extending the loan period to reduce the instalment amount, or to change terms and conditions,” said Tengku Zafrul. In the meantime, borrowers who foresee difficulties in repaying their loans post-MCO should meet their respective banks to discuss or seek assistance from the
Credit Counselling and Debt Management Agency (AKPK)
 as soon as possible.

Separately, several industry sources have said that banks will not extend the automatic loan moratorium, but are open to assisting borrowers by restructuring and rescheduling loans in a targeted manner. According to these sources, one reason why banks are not in favour of a blanket extension is because they prefer for customers to reach out to the financial institutions to communicate and renegotiate their loans.

“It is estimated that there will be three million borrowers who will take that offer up,” said one of the sources. Another source noted that the banks will have until the middle of next year to restructure and reschedule their customers’ loans.

(Image: Malay Mail)

The ongoing six-month
automatic moratorium
 was first announced by Bank Negara Malaysia (BNM) in March as a measure to provide some relief for Malaysians who were struggling financially during the movement control order (MCO) period. It is slated to end on 30 September, although various parties – including
former Finance Minister Lim Guan Eng, the Malaysian Trades Union Congress (MTUC)
, and the
Federation of Malaysian Consumers Associations (FOMCA)
 – have urged for an extension.

Meanwhile, some banks – such as
CIMB
 and
AmBank
 – have already said that they are not likely to offer a blanket extension to all customers. Instead, they will consider taking a targeted approach by offering extensions to those truly in need.

(Sources: The Star [
1
,
2
])

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Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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TNG Digital Partners With Apple To Allow App Store Payments With Touch ‘n Go eWallet

TNG Digital has teamed up with Apple to allow its Malaysian users to make purchases on the App Store, Apple Music, and iTunes Store with the Touch ‘n Go eWallet. This makes it the first e-wallet to support payments for mobile platforms (Android/iOS) in Malaysia.

(Source: SoyaCincau)

According to TNG Digital, there are no additional fees incurred for customers for using this payment method. This payment option is available immediately for all Apple users in Malaysia. To activate it, you’ll find the option on
Payment & Shipping
in your Apple ID, where you’ll find the
eWallet
 option. An SMS verification code will be sent to your mobile device to complete the activation. Upon activation, all purchases made on iTunes – including in-app payments as well as subscription services like iCloud and Netflix – will be charged to the e-wallet.

Besides using your Touch ‘n Go eWallet to make iOS purchases, customers can still use credit/debit cards and mobile phone billing as payment methods.

(Source:
Touch ‘n Go
)

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Here’s Why You Should Always Be Protected with Critical Illness Insurance

As you progress further into adulthood, it’s easy to get overwhelmed and live a day at a time, not wanting to think about next year, or even the next week. That being said, it’s important to think of the future and plan ahead financially for life’s ups and downs. Life is getting more complex from day to day, which makes planning all the more necessary, especially if you have a family to take care of. Some people think this means they have to get medical insurance and make the mistake of thinking that this coverage is enough to face the uncertainties of life. While medical insurance is a necessity, you should also consider the advantages of getting critical illness (CI) insurance.

Why Choose Critical Illness Insurance?

Critical illness (such as cancer, heart attack, or stroke) often strikes when you least expect it. When thinking about this situation financially, the main thing that comes to mind is the treatment. Treating a critical illness is expensive. The cost of
treatment for cancer
 varies from RM56,000 to RM395,000 depending on the type. A
heart bypass surgery
 can cost you up to RM70,000 and
treatment for stroke
 ranges between RM35,000-RM75,000.

In addition to medical costs for treatment, you would also have to prepare for other factors that add to your financial burden, including:

Loss of income either temporarily or permanently, resulting in a strain on the finances of loved ones

Having to keep up with payments of pre-existing living expenses on top of treatment costs

Paying for lifestyle changes such as diet/mobility changes, nursing costs, therapy costs, or additional equipment costs to keep the patient comfortable

Emotional trauma and stress for you and your family

Because of all these costs that need to be taken care of, you should protect yourself with CI insurance so that you do not find yourself in financial difficulties should a critical illness strike. Nevertheless, you may be wondering if you should still take on a CI insurance plan if you already have medical insurance.

The answer is yes, because a CI insurance plan complements your medical insurance. CI insurance plans provide a lump sum payout when you are diagnosed with a covered critical illness. You can use this lump sum payout for alternative treatment costs which medical insurance doesn’t cover. More importantly, you can use the payout to cover the unexpected financial issues as mentioned above, such as loss of income and the cost of lifestyle changes.

When Should You Get CI Insurance, And What Should You Look Out For?

So, maybe you’re still young and feel it’s not necessary to sign up for a CI plan till you’re older. Critical illness only happens to the elderly, right? Wrong! Cancer, heart attack, and stroke don’t wait till you’re old to strike, thanks to our hectic and indulgent lifestyles, together with genetic predispositions. Just this year, it was found that Malaysians
as young as 37
 are at risk of being diagnosed with heart attacks, making us the nation with the youngest age group of those at risk in Asia.

Therefore, sign up for a CI plan early in your life once you start earning income to ensure you always have your bases covered. An additional benefit to this is that the earlier you begin protecting yourself with a CI insurance plan, the more affordable your premiums will be, which is excellent for your bank account. Some of the things you should keep an eye out for when choosing a CI plan in terms of benefits include:

Coverage for both early and late stages of critical illness, because you shouldn’t be denied claims for catching something early on

Allowing multiple claims for different stages of a critical illness

Coverage for re-diagnosis of prevalent critical illnesses such as cancer, heart attack and stroke (for example, if you have a second heart attack several years after the first one)

The last item on the above list is the tricky bit; most CI insurance plans do not cover for re-diagnosis, only providing a payout for the first occurrence. However, that doesn’t mean such a plan doesn’t exist: enter PRUMy Critical Care (PMCC) solution.

PRUMy Critical Care Solution: Keeping You Covered Through Good Times and Bad

The PMCC plan is offered by Prudential Malaysia, and has the following CARE features:

C
omprehensive critical illness coverage that allows multiple claims up to 400% of rider sum assured. Multiple claims are allowed for different stages of critical illnesses.

A
dditional Special Benefit coverage on Diabetic-related conditions and Joint-related conditions

R
e-diagnosis of 3 major critical illness before the age of 85, with coverage for cancer, heart attack, and stroke

E
arly to late stage critical illness coverage up to 160 conditions such as coronary heart disease, cancer, kidney failure, liver failure, lung disease, and so on.

PMCC consists of PRUWith You as its basic protection plan, bundled with Total Multi Crisis Care as the main critical illness rider. This means that besides the critical illness benefits, you also get the benefits of the PRUWith You plan as well, which guarantees a payout in the event of death and total permanent disability. Watch the video below to see an example of how PMCC can positively impact your life and those of your loved ones:

If you are ready to protect your loved ones and yourself from financial struggles brought on by critical illness, then consider signing up for PMCC now. For more information on PRUMy Critical Care, visit
the PMCC website
 to find out more!

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HSBC gives you 50% off Body Perfect trial

Are you ready for a little pampering, ladies?

If your answer is that you were born ready, then you should so head over to your nearest
Body Perfect
 outlet. Particularly if you’re an HSBC credit card holder.

You’ll be entitled to
a huge 50% discount for your first trial on selected face & slimming treatments.

Promotion is on until 31 December. Be sure to make a prior booking to avoid disappointments.

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Lazada Officially Launches 12.12 Sale, Offers Irresistable Deals For Exciting Year-End Shopping Experience

Lazada officially kicked off its 12.12 All-Out Year-End Sale today with a balloon voucher drop event at Publika Shopping Gallery, which allowed Malaysians to win vouchers worth over RM45,000 for their upcoming purchases by popping voucher-filled balloons that were released at the location. Prizes that were up for grabs included Lazada platform, seller, and free shipping vouchers.

In a statement, Lazada said that this balloon drop is the first of a series of kick-off events set to take place between today until 11 December, with another balloon drop scheduled to happen at Genting Highlands tomorrow. Following that, there will be two more balloon drop events in Penang and Johor.

Aside from these balloon drops, Lazada also queued several other exciting experiences in the days leading up to the actual 12.12 All-Out Year End Sale, which is happening between 12 to 14 December 2022. For instance, there will be a Lazada roadshow at SkyAvenue at Resorts World Genting tomorrow to give the public a preview of its Mesti Beli deals at 12.12 Sale pricing on the app, which they can purchase and collect on the spot. Additionally, the public can tap into Lazada’s Try & Buy feature to purchase sample-sized products at the roadshow, before buying the full-sized item during the actual 12.12 Sale with extra discounts.

On top of that, the e-commerce platform is also hosting the biggest physical Lazzie Hunt at Skytropolis, SkyAvenue tomorrow – where members of the public can collect Lazzies tokens in exchange for rewards sponsored by notable brands. Meanwhile, those who are unable to make it for the physical hunt can complete daily Lazzie Hunt missions found in their Lazada app between today until 19 December 2022 to earn a range of prizes, such as Lazada Wallet rebates, LazCoins, free shipping vouchers, Lazada Bonus, and branded prizes.

Other notable promotions and deals that Malaysians can look forward to for the Lazada 12.12 All-Out Year-End Sale include:

Promotions/Deals
Details
Duration
Pre-Sale Chup Dulu
Shoppers can reserve exclusive deals that they like by placing a 10% deposit and checking out the remaining amount on 12 December from 2am onwards.
Until 11 Dec
12.12 All-Out Year-End Party
– Livestream party from 10pm (11 Dec) to 2am (12 Dec) with fashion and beauty deals
– Exclusive prizes to be given away, including RM50,000 worth of vouchers and Apple iPhone 14 Pro Max
11 – 12 Dec
Lazada Bonus
RM8 discount for every RM80 spent on selected products (must have Lazada Bonus badge)
12 – 14 Dec (Lazada Bonus to be collected between 7 to 14 Dec)
LazFlash Sale & Crazy Deals
– LazFlash offers up to 90% discount – Crazy Deals of RM0.12 and RM12.12 promo items up for grabs
12 – 14 Dec
Touch ‘n Go (TNG) eWallet discount
RM1 off total purchase amount with a minimum spend of RM10
12 – 14 Dec
LazCoins Cashback
– Up to 60% LazCoins cashback with no minimum spend
– First 100 successful payments between 12am to 2am (daily) entitled to 1,000 LazCoins cashback rewards with minimum spend of RM300
12 – 14 Dec
Crazy Brand Mega Offers, Surprise Box, & Year-End Stock Clearance Sale
– Crazy Brand Mega Offers with up to 80% discount
– Surprise Boxes, Christmas Gifts, and Year-End Stock Clearance Sales with additional discounts
12 – 14 Dec

Lazada also highlighted that it has introduced its buy-now-pay-later (BNPL) feature,
LazPayLater
, which allows eligible users to tap into flexible payment terms with 0% interest, and an instalment plan of up to 12 months. Free shipping vouchers (with no minimum spend) are also replenished on an hourly basis during the sale, and can be collected through various channels, including cracking a Lucky Egg (found in your profile page), checking the Free Shipping page in your app, and signing up for Voucher Club.

“This 12.12., we look forward to bringing Malaysians an avenue to go all-out to shop for a wide assortment of holiday necessities from party outfits to makeup products, gifts and more from well-known brands and homegrown businesses at amazing prices on Lazada. Coupled with our engaging Shoppertainment content, fun offline-to-online shopping activities, and seamless online shopping experience, consumers can enjoy more shared moments with beloved family and friends this year-end,” said the chief operating officer of Lazada Malaysia, Darren Rajaratnam.

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Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Enjoy three plates of sushi on the house thanks to Citibank

The next time you’re looking for a quick sushi fix, do head over to the nearest Sakae Sushi outlet with your Citibank credit card.

You’ll enjoy
a complimentary pink plate for every one you buy,
 up to a maximum of three free plates. Do take note that the splitting of bills or tables is not allowed.

This promotion is valid at all Sakae Sushi restaurants nationwide until 30 June this year.

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YouTube Premium Now Available In Malaysia, Comes With YouTube Music Premium

Malaysians can now subscribe to YouTube Premium, a paid subscription service that allows users several perks when it comes to watching YouTube. For a monthly fee of RM17.90, you can now watch YouTube videos without the disruption of ads.

Besides ad-free videos, YouTube Premium also offers the background play feature, which allows you to keep watching your YouTube video while using other apps or when your screen device is locked. Moreover, users can download videos to watch offline and get ad-free and offline play for the YouTube Kids app as well.

Furthermore, YouTube Premium subscribers get premium access to YouTube Music for free. The music streaming service, which has also just been launched in Malaysia, is similar to Spotify as it allows users to listen for free or pay for Premium access for an ad-free experience. If you were to sign up for YouTube Music Premium on its own, that would cost you RM14.90 per month for individuals and RM22.90 per month for families.

YouTube Premium costs RM17.90 per month for individual subscriptions and RM26.90 per month for a family package. You can have up to 5 members in your YouTube Premium family; each member must be 13 years old and above, with their own Google account, and share the same residential address.

There is a 1-month free trial for those have never subscribed to YouTube Red, Music Premium, YouTube Premium or Google Play Music. All you have to do is sign up as a subscriber and provide your payment details to get your first month free; you will be auto-billed every month after that, but you can cancel your subscription at any time.

Apple device users should note that their subscription will be over 30% more expensive if they sign up through iTunes due to additional charges imposed by Apple. You would have to pay RM23.90 per month for the individual YouTube Premium subscription and RM35.90 per month for families. Similarly, the YouTube Music Premium plans are also more costly when you sign up through iTunes. You can get around this by setting up your subscription through a web browser – you can still access the services from your other devices later on as your subscription is tied to your account.

You can find out more about
YouTube Premium
 and
YouTube Music Premium
 here.

(Source:
Lowyat.NET
)

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    Anonymous

    3 months ago

It’s RM33.90 now. I just got an email without reason. “To continue delivering great service and features, we will be increasing your price to RM33.90/month”… Like whatt??

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Affin Hwang Launches Online Stock Trading Account Opening Service, eInvest Go

Affin Hwang Investment Bank has officially launched eInvest Go, an online account opening service that allows clients to begin their stock trading journey on Bursa Malaysia in a seamless and digital manner.

With eInvest Go, clients will be able to open both CDS and Trading accounts simultaneously from any personal device. “The whole process is hassle-free, well-secured, and fast; without the need for any physical forms or face-to-face interactions, facilitated by an online system that utilises the e-KYC solution, resulting in a speedy account activation of within 1 business day,” said Affin Hwang in a statement. The brokerage fee is competitive from as low as 0.05% or a minimum of RM5 per trade.

Through eInvest Go, clients will then gain access to eInvest, Affin Hwang’s trading and investment management platform, with the full range of live price quotes and trading functions, personalised products and services, and more.

“We are excited to be the first Investment Bank in Malaysia to offer a fully online account opening service for clients to begin trading in the stock market; using a smart, simple, and secure system that is neatly packaged in eInvest Go,” said Mona Suraya Kamaruddin, CEO of Affin Hwang Investment Bank.

“This is a strong addition to the Bank’s existing suite of investment services; using cutting-edge technology that will enable us to cater to an even wider range of investor profiles,” she added. “This is indeed timely; given the Covid-19 pandemic and many concerns that arose throughout these tough times. With the latest introduction of eInvest Go, our clients can now have peace of mind from opening a trading account, to trading and investing online anytime, anywhere.”

You can find out more about
eInvest Go
 on the Affin Hwang website.

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Western Union Enters Into Partnership With Valyou Mobile Wallet

(Image: Digital News Asia)

International money service provider Western Union has entered into a partnership with Malaysian mobile wallet Valyou, integrating the services between the two companies. Valyou e-wallet users can now send money to Western Union agents across Bangladesh, Indonesia, Philippines, India, Vietnam, Myanmar, Cambodia, China, and Nigeria – all within the Valyou e-wallet app.

The regional director of Western Union, Jeffrey Navarro, said that the collaboration with Valyou allows Western Union to reach out to the unbanked and underbanked communities, further expanding its access in rural Malaysia. Valyou is a popular e-wallet in rural Malaysia, with 80% of its senders and recipients residing in these parts of the country. These users can easily cash in funds via any of Valyou’s 1,500 wallet Cash In Cash Out merchant locations.

(Image: Valyou)

Valyou’s Chief Executive Officer Prasanna Rao said that this partnership expands international monetary transfers to a wide range of countries. “We look forward to working with Western Union as this partnership embodies Valyou and Western Union’s vision to promote greater financial inclusion through digitally-enabled mobile wallet services,” he said.

For more information on this service, you can visit the
Valyou website
.

(Source:
Digital News Asia
)

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HLB HoliYay: Hong Leong Bank’s New Platform For Travel Deals

Hong Leong Bank (HLB) has launched an integrated travel lifestyle platform, HLB HoliYay. The site provides HLB cardholders with deals and discounts on a wide variety of travel-related products and services, from flight tickets and hotels to travel insurance and travel experiences.

Here are some of the deals that you can find on the HLB HoliYay site.

Up to 70% off on selected AirAsia flights

Get up to 70% off with AirAsia when you book a flight using any HLB credit or debit card using the promo code “AAHLB70”. This promo is valid for selected destinations including Hong Kong, Singapore, Tokyo, Melbourne, and local destinations. The promo code is currently valid for booking period between 22-24 November 2019 (for travel between 1 July 2020 – 27 January 2021). If you miss the booking window this round, look out for it again next December.

Up to 10% off Economy & Business Class Emirates flights

All HLB debit and credit cardholders are eligible for this offer when they make a booking with their HLB card and use the promo code “MYHLBB2”. Cardholders get 10% off when they book Flex and Flex+ fares for all destinations except Jeddah and Medina whereas the Saver fare is eligible for 5% discount. Discount covers both Economy and Business Class tickets. The booking period is between 8 November 2019 – 14 June 2020 and the applicable travel period is between 8 November 2019 – 30 November 2020.

Up to 15% off hotel bookings on Agoda

Hong Leong Bank
AirAsia
,
Emirates
, or
Infinite
 cardholders are entitled to a 15% discount off their Agoda hotel bookings. HLB Signature and Platinum cardholders get 7% off while those with HLB Gold and Classic credit cards or debit cards are entitled to 5% off. The discount is applicable to bookings made with selected hotels worldwide between 15 October – 31 December 2019 for the stay period of 15 October 2019 – 30 June 2020.

Cashback on overseas dining

Each time you spend the equivalent of RM350 and above in a single receipt at dining outlets overseas, you will receive RM30 in cashback. All HLB credit or debit cardholders are eligible for this promotion, which is running from 15 October 2019 to 31 December 2019. HLB is offering a total of RM1,000,000 cashback up for grabs with no maximum cashback cap per cardholder.

Other promotions

HLB HoliYay also has other miscellaneous deals listed on the site, such as:

25% off travel insurance purchased via Hong Leong Connect (1 November – 31 January 2020)

Chance to win a smartphone with retail spend in foreign currencies using a HLB Visa debit/credit card (15 October 2019 – 31 December 2019)

0% Flexi Payment Plan for HLB credit cardholders (1 November – 31 January 2020)

10% off on all trips purchased on Halal Trip for HLB Mastercard credit or debit cardholders

20% off Universal Traveller (coming soon)

According to Hong Leong, the deals and promotions on HLB HoliYay will be constantly updated based on the insights from customer spend and needs. The site aims to be a seamless one-stop deals platform with attractive offers that reflect the HLB customer’s love of smart travel.

The launch of HLB HoliYay leverages on the increasing travel appetite of Malaysians as well as the two major airlines partnerships credit cards introduced by Hong Leong over the past year. The
AirAsia Credit Card
 was introduced last November, whereas the
Emirates HLB Cards
 were launched in May this year.

(Source:
Hong Leong Bank
)

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Jacie Tan

Jacie Tan

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