Seamless Productivity With HP’s Neverstop Laser Printer

We’ve all been through it – a time when you needed something printed fast, but all of the sudden, the printer starts choking, there’s not enough paper and there’s barely enough toner to print a page. Before you know it, 15 minutes has passed and you’re still scrabbling to reload a block of paper with ink stained fingers from replacing the ink cartridge. Some may joke that a printer can smell fear, so don’t ever let them know you’re in a hurry – except for the HP Neverstop Laser Printer.

Practically Minimalist HP Neverstop Laser Printer 1200

With contrasting light and dark grey colours, the HP Neverstop Laser Printer is reinventing how we print, scan and copy as the world’s first laser tank printer. The minimalist design easily complements any workspace but is especially ideal for home offices, schools, small businesses, and co-working spaces.

On the outside, the HP Neverstop Laser Printer has a flatbed scanner for easy single-page scanning and copying, a 150-sheet input, and 100-sheet output capacity. On the left next to the scanner, there’s an LCD Display that comes with a user-friendly interface to perform basic printer operations. Lastly, there’s also a practical real-time toner level indicator located in the front of the printer.

Refill In Less Than A Minute With HP Quality Toner

Now that we’ve covered the exterior, if there’s one thing to note about the HP Neverstop Laser Printer is that it does not come with the traditional bulky ink cartridges that most of us are familiar with. Instead, HP has replaced the whole process of refilling toner cartridges with a syringe-like device that injects toner ink into a tank, through a special opening on top of the printer. The whole mess-free process takes less than a minute to do. The best part is that you can even refill the toner tank simultaneously while you print so there’s no need to pause the printing process!

The toner reload kit holds up to 2500 pages worth of toner but it might take awhile before you think about refilling because the HP Neverstop Laser Printer toner tank holds up to 5000 pages worth of toner already installed.

Moreover, the HP Neverstop Laser Printer is capable of high volume and high speed printing of 20 ppm (pages per minute). Together with the Original HP Toner, each printing job comes out clean and professional with knife sharp text and bold blacks. With these combined, the HP Neverstop Laser Printer can give you significant savings of up to 80% on toner for high volume and high quality prints.

Print With HP Smart App From Virtually Anywhere

With the HP Smart App, there’s no need for a professional to set up the HP Neverstop Laser Printer as it comes with wireless connectivity. Just download the HP Smart App on your smartphone (iOS and Android), tablet or laptop (for Windows users), and it’ll pick up the printer almost instantly.

Once installed, the app allows you to print, scan and copy from any device giving you the freedom to print from virtually anywhere. Plus, you get notified on toner and paper levels as well as printing jobs too. Experience wireless productivity where you can scan with your smartphone through the app and print from your tablet or from any cloud sites in a snap.

Reliable and affordable, the HP Neverstop Laser Printer could be the printer for you, if you’re looking for hassle-free and affordable printing. It’s a great addition to any workspace that gives any professional more time to focus on important tasks and less time getting their work flow interrupted by their printer.

Additionally, from now until 31st October, HP is offering a promotional price of RM999.00 for the HP Neverstop Printer and HP W1103A 2-Pack Black Toner Reload Kit with Free Delivery. For more information, visit the
HP Neverstop Laser Printer
 website.

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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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CIMB Offers MESINKIRA As Part Of Its Digital Solutions For MSMEs

CIMB Bank has announced a partnership with software integration company ModulEight Technologies Sdn Bhd, which enables the bank to offer integrated mobile business management solution, MESINKIRA, as part of its digital solutions provided for micro, small, and medium enterprises (MSMEs). This is with the aim of supporting the growth and digitalisation journey of MSMEs across Malaysia.

In a statement, CIMB explained that MESINKIRA is a commercial platform that offers point-of-sale software. It includes various functionalities that will aid businesses in key operation areas, including inventory management, payment and accounting, as well as reporting services. Of note is its integrated in-house financial analysis and reporting function, which not only enables precise data management, but also maintains accounting best practices and abides by regulatory compliance.

By offering MESINKIRA as its latest solution to MSME customers, CIMB hopes to help lower the entry barrier and ease the transition process for businesses that wish to digitise their operations. Once onboarded, MSME customers will also be invited to complimentary webinars and workshops that include tutorials on how to use MESINKIRA’s functions to optimise their businesses, as well as on the importance and methods of digitising business operations.

The chief executive officer of group commercial banking for CIMB Group, Victor Lee Meng Teck said that the addition of MESINKIRA is a “highly practical value-add” for the bank’s MSME customers, which will help them to become more competitive in e-commerce. “This latest offering also reaffirms CIMB’s continued commitment to support the development of MSME businesses, which form the backbone of the Malaysian economy, as they continue to accelerate their business growth post-pandemic,” he added.

Meanwhile, chief executive officer of ModulEight Technologies, Syed Omar Syed Abu Bakar Almohdzar said that MESINKIRA is set to support MSMEs’ growth by digitalising their operations and boosting their net income and creditworthiness. “This is achievable through our Retail Operations Support System (ROSS) which is truly end-to-end, easing business operations and reconciliation,” he further stated, adding that the partnership is also aligned with the principles of environmental, social, and governance (ESG).

To celebrate this partnership, CIMB is currently offering a special deal to existing SME customers, providing them with a three-month fee waiver on any MESINKIRA subscriptions made between today to 31 December 2023. Meanwhile, MESINKIRA’s existing merchants can also open a CIMB business current account-i with a minimum deposit of RM500 instead of the usual RM1,000.

(Source:
CIMB
)

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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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Get RM250 cashback with a new HSBC credit card

Apply for a brand new HSBC credit

card and you could be eligible to earn up to RM250 cashback over your first 3

months.

HSBC’s Mega

Saver Acquisition Promotion allows credit card holders who spend

more than RM50 on their first transaction in a participating month to get a 50%

cashback refund.

The following HSBC credit cards

are eligible to receive up to RM100 in cashback for the first month, RM100

cashback on the second month and RM50 for the third:

·

HSBC Premier World Mastercard Credit Card

·

HSBC Amanah Premier World Mastercard Credit

Card-i

·

HSBC Visa Signature Credit Card

There’s still time to

cash-in on this promotion so apply for an HSBC credit card today!

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Hong Leong Campaign Rewards Fully Vaccinated Credit Cardholders With Chance To Win 100% Cashback

Hong Leong Bank has rolled out the It’s Worth The Shot! Campaign, which rewards its Visa credit cardholders who are fully vaccinated for Covid-19 with a chance to win 100% cashback on their highest transactions between 9 October until 15 November 2021. This transaction must be carried out in a single receipt.

Open to both new and existing Visa cardholders, eligible customers will need to spend RM50 via qualifying retail transactions to earn a specified number of entries, which will then put them in the running to win the cashback prize. The number of entries earned are provided according to the category of your expenses, namely:

Every RM50 spent in groceries, pharmacies, or e-wallets: 5 entries
Every RM50 spent in any other categories: 1 entry

As many as 120 cardholders will be chosen to win the 100% cashback prize, with each prize capped at a maximum of RM1,000. Note that eligible retail transactions for the campaign exclude expenses such as retail spend paid via recurring payment or auto-billing, balance transfers, and flexi payment plans.

To participate in this campaign, HLB’s Visa cardholders will need to fill in an online registration form with some basic personal details. These include their NRIC number, Visa credit card number, and a valid screenshot of their Covid-19 vaccination certificate. Once the registration is complete, they can start earning entries to win the cashback prize.

The winners will be randomly selected using an automated system, and the cashback will be credited into their card accounts within 30 working days after the end of the campaign period. This will also be reflected in the winners’ account statements.

There is actually another tier of prizes to be won under this same campaign, but it took place a few days before today. This early bird special allowed the first 1,000 cardholders who registered for the campaign to earn an additional 50% cashback for their first spend on 10 October 2021 (capped at RM20 per cardholder).

If you’d still like to join in on this campaign to try to win the 100% cashback prize, make sure to
register your fully vaccinated status with Hong Leong Bank
.

(Source:
Hong Leong Bank
)

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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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Setel Introduces New Delivery Service, Setel Express, With Minimum Payment RM5 Per Parcel

The Petronas-backed e-payment app Setel has rolled out a new delivery feature by the name of Setel Express, which “specialises in intra/inter-state deliveries, with 24-hour, next-day delivery intracities.” The service is, however, currently operating only within Peninsular Malaysia.

According to the Setel Express website, users can seamlessly and conveniently tap into the new service via the Setel app with a minimum payment of RM5 per parcel. From there, they can choose from four types of deliveries:

Door to door
: From sender’s doorsteps directly to recipient’s address
Point to door
: From a Setel Express hub to recipient’s address
Point to point
: From a Setel Express hub to another Setel Express hub near to recipient (for collection)
Door to point
: From sender’s doorsteps to a Setel Express hub near to recipient (for collection)

Setel Express also clarified that there are currently
12 Petronas petrol stations
 acting as Setel Express hubs across Klang Valley, Penang, and Johor – with more to come by the end of 2022. Additionally, you can check this
postcode list
 to see if your area is included within Setel Express’ service coverage. Note, however, that this service is made available only to business customers for now; it will be expanded to include individual customers at a later date.

In its
FAQ
, Petronas further shared that Setel Express was previously known as Logistika – an earlier venture that it made into the business of B2B (business to business) delivery – although it was not integrated as part of the Setel ecosystem. Back then, Logistika also leveraged on the network of Petronas’ petrol stations to act as hubs (for unsuccessful deliveries), and functioned as a postpaid service.

(Source: Setel [
1
,
2
])

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PM Urges Banks To Continue Offering Aid To Financially Distressed Borrowers

(Image: Malay Mail/Yusof Mat Isa)

Prime Minister Datuk Seri Ismail Sabri Yaakob has urged banks to continue assisting borrowers who are struggling to repay their loans due to the impact of the Covid-19 pandemic, as well as to postpone legal action against defaulting borrowers.

“The government takes note of the efforts of the banking sector which does not take the easy way out by putting those who are really facing difficulties on the black list of borrowers or bankruptcy list,” said the prime minister in a statement. He also requested affected borrowers to speak to their respective banks as soon as possible so that efforts can be made to discuss appropriate restructuring and rescheduling options.

Datuk Seri Ismail Sabri also commented that although
Malaysia’s bankruptcy rate
 has dropped by 50% after the gradual reopening of economic sectors since October, the nation will still take time to fully recover. “As such, new borrowers or those who still find it difficult to find jobs should be supported until they are able to regain their footing,” he said.

(Image: Reuters)

The prime minister added that the government has
raised the insolvency threshold from RM50,000 to RM100,000
 to provide a better protection net for those who are financially affected. This provision was made under the Insolvency Act (1967), and the Temporary Measures For Reducing The Impact of Coronavirus Disease 2019 (Covid-19) 2020 Act.

Additionally, Datuk Seri Ismail Sabri reminded that struggling borrowers from the lower income group can tap into the ongoing
Financial Management and Resilience Programme (URUS)
 for help. Briefly, URUS is a programme drawn up between the banking sector and the Credit Counselling and Debt Management Agency (AKPK) to offer aids – such as personalised financial plans – to eligible B50 banking customers. It includes repayment assistances such as interest/profit waivers for a period of three months, as well as deferred or reduced instalments. Applications are open until 31 January 2022.

On top of that, borrowers can also reach out to their banks to discuss alternative solutions if URUS does not meet their needs.

Datuk Seri Ismail Sabri further reiterated that the government is also striving to improve social protection for the B40 group. Accordingly, Budget 2022 contains initiatives such as an increased insured salary ceiling of RM5,000 (from the current RM4,000) for employees under the Social Security Organisation (SOCSO), as well as an enhanced Tenang protection voucher facility.

(Sources:
Malay Mail
,
New Straits Times
)

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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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Ladies, Why Do You Need Women-Specific Insurance?

If you don’t know much about women-specific insurance policies, you may have some questions. Why do they exist? How are they different from normal health insurance plans? Are they just a part of targeted marketing campaigns run by insurance companies?

Women-specific policies are insurance plans that offer coverage for specific diseases or events that are faced by women in particular. They are designed to cover any gaps left by your average medical card or critical illness insurance policy which may not be tailored enough to address some of the struggles faced mostly by women as seen below.

Normal Policies Don’t Cover Women-Specific Diseases

Most generic health insurance policies cover diseases such as heart attacks, strokes, and certain types of cancer. However, women-specific diseases such as breast or cervical cancer aren’t included under generic health insurance policies. Women are only about 50% of an insurance company’s target market, so it doesn’t make business sense to include women-specific diseases in policies that are meant for both men and women.

Therefore, women have the choice to subscribe to another insurance policy that covers specific diseases that they might face. To give an example, A-Life Lady360 plan covers female-specific cancer, carcinoma in situ (early-stage cancer), recovery benefits for osteoporotic failure and arthritis (which come later during menopause), and reconstructive surgery following cancer or an accident.

You wouldn’t get these benefits with a generic health insurance policy, which is these women-specific policies exist to cover the gaps left by main health insurance plans.

Additional Protection For Mothers

When you’re looking to welcome a little bundle of joy into the world, the last thing you want is to end up regretting that you didn’t plan ahead for any complications that may arise. Here, women-specific policies step in to provide coverage for the process of pregnancy, childbirth, and even post-natal care – again, these are things your general health insurance won’t cover.

Some women-specific policies include pregnancy and maternity benefits in their plans from the get-go, whereas for some other policies you can choose to include it as an additional option. Allianz’s Lady Guard allows you to add on coverage for complications during pregnancy, and even in the event of the infant suffering congenital illness which could hike up your medical costs.

Safety First For Ladies

The world can be a dangerous place, and sadly, there are some threats to safety that ladies are more susceptible to than men. Some women-specific insurance policies take this into account. For instance, the
Etiqa Femina Special
 insurance plan offers compensation for snatch theft coverage and even covers expenses incurred in the event of a kidnapping or abduction. Meanwhile, Lady Protector by Great Eastern even offers reimbursement for the cost of legal proceedings for sexual harassment.

You may be reluctant to take on an additional expense in the name of health insurance, but if you do want more comprehensive, tailored insurance protection, you’ll have to pay for more coverage to get it. Some policies pay out sums for life-changing events in a woman’s life, such as the
PRUlady
 Life Change Benefits for marriage, childbirth, property ownership, retirement, or death of a spouse. It may not be a huge amount, but it can take a bit off your expenses for these milestones.

Clearly, women-specific insurance is something that you will need to get in addition to your existing medical card or critical illness policy. It acts as a complement, not a replacement, to generic health insurance plans. Remember to research different plans to get the best fit for you – if you want a great place to do your comparisons, check out our
RinggitPlus insurance comparison tool.

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Higher Sin Tax in Budget 2014

As cigarette smokers watched their cash go dissipate in a proverbial puff of smoke; alcohol consumers
will also find themselves paying more for their ‘vices’ once Budget 2014
 is implemented. Two days ago,
the price of cigarettes shot up to what some termed an ‘excessive’ 14%
 and analysts are now predicting a 10% increase in tax on breweries.

“We anticipate 10% or a 74-sen increase in the excise duties for the brewery sector, and Government coffers may grow by RM145mil per annum.

“As for tobacco, a three-sen increase would probably generate a cumulative RM435mil in Government revenue. Meanwhile, the price increase of alcoholic beverages and tobacco would not have a significant impact on inflation, as this segment contributes a mere 2.2% to the basket of items making up the Consumer Price Index,” said
AmResearch
analyst
Patricia Oh
in a pre-Budget 2014 report yesterday.

Of course, it’s unlikely that the increase will cause many to give up the habits but many do
predict that this will instead drive the illegal smuggling of cigarettes
.

Cigarette and alcohol tax has for many years been known in the country as ‘sin tax’ and almost every year, the prices of cigarettes and alcohol have steadily increased.In
Budget 2013, prices raised RM0.20 per box
 but
 smokers were spared increases in 2012
 after a
hefty increase of RM0.70-RM0.80 in 2011
.*

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Report: Malaysians Need To Carefully Re-Evaluate Their Financial Positions In 2022

Credit reporting company Experian has urged Malaysians to carefully re-evaluate their financial positions in 2022, especially in light of the financial impact of Covid-19 over the past two years. This is following the  publication of its inaugural annual State of Credit 2021 (For Consumers) report.

In the document, Experian stressed that consumers must be proactive in securing immediate assistance if they need help in overcoming immediate financial difficulties. One such support comes in the form of the
Financial Management and Resilience Programme (URUS)
, aimed at
eligible borrowers who were impacted by Covid-19
.

Lenders, too, must play their role by innovating new ways to provide refinancing assistance to consumers in difficult times, said the credit reporting agency.

Aside from this, Experian’s report also shared some noteworthy findings with regard to how Malaysians aged between 22 to 65 years old have fared financially in 2021, as compared to the pre-pandemic years of 2018 and 2019. One key finding is that the average consumer credit score recorded by Experian (Experian i-SCORE) has improved by 18 points, from 601 in 2019 to 619 in 2021. This implies that most borrowers have managed to maintain their credit repayments over 2020 and 2021 despite financial difficulties.

The report further noted that Malaysians aged 35 and below have the lowest i-SCORE among the age groups studied. This is attributed to the possibility that they may not have the same income security as the other age groups, and also higher financial commitments as they begin to build their families.

Additionally, Experian said that Malaysians recorded a lower average balance in credit cards in 2021 (RM3,917) as compared to 2019 (RM4,101). Average credit card utilisation also decreased to its lowest level at 22.8% in 2021 during the same period.

By contrast, Malaysian households appeared to have taken up more mortgages and hire purchase loans during the pandemic years. This could be due to the various government initiatives introduced through stimulus packages, including the Home Ownership Campaign (HOC) and vehicle sales tax exemptions. In line with this, there has been a 17% increase in the average outstanding balance for mortgages from 2018 (RM275,895) to 2021 (RM322,760), and a 13.2% increase in the average balance of hire purchase loans during the same period of time (from RM37,434 to RM42,384).

Ultimately, Experian said that its report underlines the need for greater financial literacy, especially for younger Malaysians who did not fare as well as the other age groups in scores and payments. Only through education will they be able to take control of their credit health and learn to make better financial decisions in life.

(Source:
Experian
)

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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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Netflix Officially Launches RM17 Mobile-Only Plan In Malaysia

If you enjoy the flexibility of watching Netflix on the go, then Netflix has good news for you. After almost a year since the streaming giant first rolled out a
mobile trial version
 here, Netflix officially released its RM17 mobile plan in Malaysia today.

This Mobile-only plan – the first to be launched in Southeast Asia – retains all the same characteristics as its trial version, right down to the subscription fee. At just RM17 a month, it is half the price of the Basic plan, and almost a third of the price of the Premium. Effective immediately, the Mobile plan is available for subscription for everyone in Malaysia.

(Image: Netflix)

Subscribers on the Mobile plan can only stream or download Netflix at standard definition on either mobile or tablet. While users are allowed to create up to 5 profiles, they are restricted to watching it on just one screen at any given time. Furthermore, this plan also does not support casting or mirroring the app to other devices. Most importantly, there is no restriction on content – Mobile subscribers still gain unlimited access to the entire Malaysian Netflix movie and TV series library.

According to Netflix, Malaysians subscribers consumer twice as much content on their smartphones compared to the average Netflix subscriber. The new Mobile plan means Malaysians can anywhere from 49% to 67% in subscription fees every month!

(Source:
Netflix
)

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MIER: EPF Is Not Designed For Calamities And Pandemics

The Malaysian Institute of Economic Research (MIER) has joined several other entities in opposing the call for yet another round of Employees Provident Fund (EPF) withdrawal, this time to help cope with the recent flooding happening across the country.

According to MIER, such EPF withdrawals – namely the i-Lestari, i-Sinar, and i-Citra facilities – should be guided by sound economic reasoning, and were only ever meant to be short-term measures. It also emphasised that they must never be repeated.

“The EPF is not designed to deal with calamities and pandemics, rather, it is intended to ensure that its contributors enjoy a decent life after retirement. This is compounded by the fact that Malaysia is fast becoming an ageing society. Malaysia is just nine years short of becoming an aged nation in 2030, and further EPF withdrawals will put additional pressure on the future cost of healthcare, income security, and a post-retirement income stream,” the organisation said.

(Image: The Star/Raja Faisal Hishan)

MIER also highlighted the regretful consequences of the three EPF schemes, which saw
approximately RM101 billion of retirement savings withdrawn
. While the facilities may have provided some financial relief for present concerns, they also resulted in the severe depletion of retirement funds for many EPF members, it said.

MIER further suggested some short-term and long-term measures moving forward. “To address the short-term fiscal constraints Malaysians face, there is a strong economic justification for the government in providing sufficient unconditional cash assistance to the households and firms,” it said.

Meanwhile, long-term measures include adjusting employers’ EPF contribution rate without increasing their labour cost burden. “The government can marginally increase employers’ contribution rate for workers above a specific threshold limit and simultaneously decrease the rate for those below the threshold level,” said MIER.

(Image: Malay Mail/Hari Anggara)

Additionally, the organisation noted that the government should also consider broader social protection and social safety net strategies. For instance, contingency plans and schemes should be put in place to help with calamities and other crises. Other alternatives include starting a disaster relief fund and strengthening the coverage and adequacy of social protection for Malaysians, particularly for the self-employed and those in the informal sector.

“The recent past has taught us that we, as a nation, cannot be complacent since emergencies and other unexpected disasters can occur. The burden of these events is usually worst felt by those who are least prepared to face them, and they need the government’s support to rebuild their lives,” MIER stressed.

Aside from MIER, several other individuals have also stepped up to counter recent requests to allow another one-off i-Citra withdrawal of RM10,000. These include the Finance Minister Tengku Datuk Seri Zafrul Abdul Aziz, who emphasised that the
EPF should not be seen as a solution to every challenge faced
, as well as
economist Prof Dr Barjoya Bardai
. The EPF also warned that
there will be “an erosion of trust” and dire consequences on Malaysia’s capital markets
 if it were to permit more withdrawals.

(Source:
Malay Mail
)

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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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Perks of Sticking to One Bank for All Your Financial Needs

It’s not unusual to have multiple banking accounts since banks typically offer different perks and interests that help you better manage your finances and grow your wealth.

However, if you, like many others, find yourself wishing to streamline your banking needs, you may consider reaping the benefits of sticking to just
one
 bank for all your financial needs.

1. Save on Fees

When you own multiple accounts under a single bank (such as savings and current accounts, fixed deposits, and credit cards), you are more likely to meet the minimum required transaction amount which may qualify you for lower (or free) banking service fees.

Banks tend to value their loyal customers, so it wouldn’t be too difficult to get annual fees, checking account overdraft fees, and monthly maintenance fees waived.

2. Build a Rich and Long-term Relationship

One of the main advantages of being loyal to one bank is that you’ll build trust between you and your bank. This is mutually beneficial for you and your bank; you can trust your bank to manage your assets and finances, while your bank will trust you to meet your financial obligations.

Also, if you frequently visit a particular branch and have established a professional relationship with the bankers, you’ll have the chance to enjoy the benefits of relationship banking. This gives you the opportunity to be eligible for multiple financial products in the form of ‘special packages’, which would usually include investments, cash management, fixed deposits, loans, credit cards, and more.

Some banks even offer tailored financial products such as credit cards, fixed deposits, and insurance that may have different returns or interest rates exclusive to these relationship banking packages. Besides, having a good relationship with your bank might earn you special treatments that go beyond a faster service.

Quite a number of banks in Malaysia offer relationship banking services, and
Citi Priority by Citibank
 is a good example of an exclusive relationship banking service. It offers various banking product packages to suit your financial preferences, whether you’re looking to invest and grow your wealth, get your dream home, or enjoy a worry-free lifestyle by having your accounts managed by their team of dedicated Relationship Managers.

If you’re not already a Citi Priority customer, find out how you can sign up as one by clicking on the button below and enjoy personalised banking services, tailored just for you!

3. Get Faster and Convenient Banking Experience

When you have all your banking and financial accounts under one roof, it’s a lot easier for you to manage your finances. You only have to visit one location (assuming you need to perform a physical transaction) or make a phone call to just one bank.

To take things further, stay on top of your finances even when you’re on the go if your bank offers a comprehensive online banking service that you can access anywhere, anytime from your mobile phone. Take for example
Citi Mobile App by Citibank
 – it lets you conduct everyday banking such as funds transfer, access to your account balances, pay bills, and even create your credit card PIN in real time wherever you may be.

Does your bank offer a versatile mobile banking app? If your answer is no, then maybe it’s time to consider Citibank. If you’re already a Citibank customer but still don’t have the Citi Mobile App on your smartphone, just click the button below to start your download!

4. Enjoy Holistic and Personalised Wealth Management Solutions

One of the benefits of having your investments, savings, insurance, and other financial products under one bank is that it allows the bank to offer holistic wealth solutions that are aligned with your goals. Some banks will even go the extra mile by providing dedicated phone service lines, prioritised queue at the branch, and give you fresh intel on new banking solutions that fit your financial goals. Who doesn’t enjoy the personalised and privileges in this day and age of our hectic lives?

Take for example
Citigold by Citibank
; as a member, your dedicated Relationship Manager, supported by a team of wealth planners and financial advisors, will provide insights and guidance on wealth solutions that will help keep you on track to meet your financial goals. You will also enjoy an array of exclusively curated lifestyle and premium banking privileges. Learn more about Citigold by clicking on the button below!

Identify Your Financial Needs

Sure, it might be tedious to close all your existing (and many) bank accounts and commit to only one bank – especially if one of your accounts serves as a salary account. What you can do is keep a bigger allocation of your money and assets under one bank and open an auxiliary account with another bank. That way, you can enjoy the benefits of being an exclusive customer from one bank
while
 having the option to perform your banking with another – a win-win situation in our book.

Did you find this article useful? What’s your best banking experience so far? Share your thoughts and experiences in the comment section below!

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3 Ways to Make Dating Cheaper

You’ve got a lot of bills; it’s almost the end of the month; and inflated restaurant prices are not doing your social life much good. Singletons of the Klang Valley, if you’ve found dating harder these days thanks to your whittled pay check and increased prices; we’ve got some suggestions to help shave off some of the cost associated with dating.

Whilst we can’t guarantee these tips will endear you to your new paramour; we can at least promise that even if it doesn’t work out, you won’t be too much poorer for it.

1. Timing is Everything

This just in. Cheaper dates are possible if you pay attention to timing – because… timing is everything! Here are ways you can use the timing method to save money on socialising.

a) Make it an In-Between Meals Date

Having full on dinners or lunches can be killer on the finances if you opt for a nice sit-down restaurant. For first dates, the point is to get to know the person so perhaps it wouldn’t hurt to try out the no-meal date.

Opt for a coffee or tea at 4pm. If you like each other well enough – the date can always extend into dinnertime but if you don’t; you can always opt to end it early. Coffee houses and dessert places offer great ambience and decor for the price of a cuppa Joe, so why not take advantage of this?

b) “Let’s Do Lunch”

Assuming you work not too far from each other – lunch break dates may be fast but you can take advantage of the awesome week day lunch deals that almost every restaurant offers.

Even higher end restaurants offer weekday lunch deals at prices between RM25-RM30, which include a nice 3-4 course meal. You might be a little pressed for time and will have to forego the
staring-into-each-other’s-eyes
 bit but hopefully, once things have worked out and you’re feeling flushed (with cash) again; you can opt for something a little less time barred!

2. Two’s Company; Four is Frugal

Double dating may sound a little unappealing until you think about how much you may be able to save on shared dinners, carpooling and associated costs like parking fees.

For example, a 5 dish dinner may end up costing a couple RM200 but a meal for four may only push the price slightly higher to RM280 as dish size-ups rarely equate double the prices. RM200 for two people places the per person cost at RM100 a pop but at RM280 for four; that’s only RM70 each.

The same can be said if the four of you carpooled or shared a cab. The only catch is finding another couple both you and your partner can have fun with.

3. Let Your Credit Card Guide You

Besides groaning at the sight of your bill, have you taken the time to look up your credit card’s dining and entertainment benefits? If you haven’t, it’s time to get your eyes peeled now!

Every bank in the market will offer you some kind of dining discount or another so it is simply a matter of picking up the brochure that comes along with your paper bill and having a read.

You’ll find many restaurants offering up to 30% off your dining bill or freebie dishes all in exchange for you swiping your credit card to pay for the meal. So check out the bank’s offerings and let that be your guide for the evening.

Some credit cards even offer discounts on movies and other entertainment spends making the entire dating experience just that much cheaper.

Haven’t got a card that’s helping you work the social butterfly act? Maybe it’s time to switch. Check out
our picks for the best lifestyle credit cards
 in the market and save more every time you head out.

Here’s wishing you a pretty awesome weekend!

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Diana Chai

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3 Ways You Can Screw Up Your Life Insurance Policy

How often do people lie? According to researchers, most people can’t get past a 10-minute conversation without lying at least once. But what does honesty (or a lack thereof) have to do with getting an insurance policy?

If you intentionally leave out important information about your past or present health when filling out that life insurance application, it may have detrimental effects to your insurance policy coverage. Yes, some insurance policies have a cut-off date for how far back you are required to disclose health issues; but if you aren’t sure, it’s best not to jeopardise a policy by withholding information you believe too old to be relevant.

To put it simply, do not lie – or hide the truth – during your insurance application. Any material fact (defined as a fact that would influence the judgment of an underwriter and affect any of your insured risks) should be disclosed, fully and faithfully, as stated in the Insurance Act 1996 under Section 149(4).

Below are situations where your insurance contract will become void or have your insurance claim payment delayed due to undisclosed information.

1. Misrepresentation

Misrepresentation often occurs due to carelessness or negligence during the recording of information. Let’s say that you had accidentally misstated or omitted something when applying for a policy, such as having undergone a major operation when you were younger. Now it appears that the operation has caused some health complications and you wish to be reimbursed for any medical expenses that follows. Your insurer might not approve your claims, on grounds of misrepresentation. But hold on, there is such a thing as the “Contestability Period”.

The Contestability Period is the period (usually of two years) during which the insurer is not obligated to pay a claim because of misrepresentations of material facts given to your underwriter when determining your risks. Once these two years have gone and passed, your policy will then enter the Incontestability Period, where claims can be given even though there have been some misrepresentations of material facts.

2. Fraud

Insurance fraud is the deliberate deception or dishonesty by any party for unjustified financial gain. It can be committed by the insured party, insurance operator, or insurance agent – if a policy is made fraudulently by any one party, the policy will be deemed invalid. For consumers, what you need to steer away from is the act of making a fraudulent claim, which can involve any of the following:

Claiming for non-existent injuries or accidents

Faking a death

Staged burglary, theft, or vandalism

Arson (a dirty tactic typically used by failing businesses)

Staged vehicle theft, home break-ins, or accidents

Remember: fraud isn’t just a petty offense – it carries criminal liability, which means you could go to jail for it.

3. Concealment Of Material Facts

Material facts are facts that directly pertain to or affect the claim. A non-material fact is of course the opposite: information that isn’t important to the claim or that won’t affect any outcomes.

You could be wilfully withholding information related to your insurance risk or insurance policy even if no-one asks you about that subject you’re trying to hide. The insured is not allowed to conceal or hide any information from the insurer – concealment can also lead to cancellation of the contract.

Let’s say you know you have early-stage cancer, but you didn’t want to tell anyone, including your insurance company. A few months down the road, your condition worsens, and you’re in need of chemotherapy. Is your insurance company going to foot the bill? Well, it won’t, since you have purposely concealed material facts from them.

Honesty – The Best For Your Policy

To avoid putting yourself at risk of having your insurance policy voided or your claim rejected, don’t misrepresent or conceal any material facts, and don’t commit fraud in relation to your insurance policy. If you do either one of these things, you may end up being denied insurance protection when you need it the most, or worse – you could end up with criminal charges for fraudulent activity.

So, whether or not you tell a white lie or two in your day-to-day communications, try not to do it on your insurance application!

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Chester John

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Credit Card Cashback Bonuses Galore From Public Bank

Public Bank credit card and debit cardholders it’s time to whip out those plastics because your spending could net you RM150 cashback each month and a chance at the new Samsung Galaxy S4.

In the PB Double Bonus promotion Public Bank cardholders who accumulate spending of at least RM1000 in a single calendar month from qualifying retail transactions will receive RM100 cashback . In addition cardholders who make at least one transaction at five of the following categories will receive a further RM50 cashback:

Petrol

Grocery

Dining

Health

Beauty

Hotel

Travel

Amusement

Entertainment

Shopping & others

Public Bank cardholders are eligible for the maximum cashback amount of RM150 every month throughout the promotion period (1 May – 31 August 2013) as long as they fulfil the minimum monthly spending requirement. However only RM600,000 is allocated each month therefore cashback availabilities are on a first-come-first-serve basis. To qualify for this promotion new and existing Public Bank cardholders are required to register their participation via SMS.

As further incentive Public Bank is giving away 100 units of the latest Samsung Galaxy S4 mobile phone at the end of the promotion. One entry is registered for every RM100 a participant spends throughout the promotion period and winners will be selected randomly via computer. Each participant is eligible to receive only one Samsung Galaxy S4 throughout this promotion. Please note that it order to be eligible for the grand prize a separate SMS registration is required as well.

For further details of this promotion please refer to the
Terms & Conditions
 page.

Are you interested in getting a Public Bank credit card? On
RinggitPlus.com
 you can find the right card to suit your needs.

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Guaranteed Gifts All Around Including RM700 Lazada e-Voucher & DJI Tello Drone With Four Participating Banks

The Unbox This Week credit card campaign is back with guaranteed gifts, fantastic gift options, and four participating banks!

For those who are new to this campaign, the Unboxing This Week is a weekly event where we present to you fantastic weekly flash deals from our featured bank partners. All you need to do is apply for selected credit cards from these banks of the week through RinggitPlus and you’ll take home some great prizes.

For this week (27 September – 4 October), our featured bank partners include

Citibank, HSBC Bank, Standard Chartered Bank, and CIMB.
So, if you’ve considered applying for a credit card with any of these banks, you know what to do to get more out of your application!

Citibank – Guaranteed RM700 Lazada e-Voucher

From 27 September – 4 October, Citibank is giving you a guaranteed RM700 Lazada e-Voucher as your gift when you apply for selected cards from Citibank through us! Spend on anything from your daily essentials to your favourite electrical appliances with this e-Voucher.

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

Take note, though, that current cardmembers 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 Citi credit cards can
head on over here to do so.

HSBC – Choose Between Guaranteed DJI Tello Drone And Xiaomi Robovac

It’s your choice this week when you apply for a credit card with HSBC! If you’re into fun and adventures, DJI’s Tello drone could be the perfect gadget for you. It is an impressive little drone for both kids and adults that’s a blast to fly and explore with.  Moreover, users can also pick up programming skills with Tello Edu while playing with the drone. Otherwise, opt for the powerful Xiaomi Robovac that makes cleaning feel less of a chore.

Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for this gift. That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your HSBC credit card
here.

Standard Chartered – Choose Between Guaranteed Philips Air Fryer And Philips Pressure Cooker

Standard Chartered is giving away a guaranteed gift and also the option to choose between two awesome gifts to ALL approved applicants. Cooking for your family at home gets easier with the Philips Air Fryer – your personal kitchen assistant that helps you whip up your favourite snacks. Plus, air-frying is healthier compared to frying in oil! Alternatively, make yourself and your family hearty soups and stews using the Philips Pressure Cooker.

Everyone’s a winner when you apply for selected Standard Chartered credit cards. Just remember, you will need to activate your card within 30 days upon approval to be eligible for this gift.Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can apply for your new Standard Chartered credit card
here.

CIMB – Guaranteed Xiaomi Redmi TV Soundbar

CIMB is giving away a Xiaomi Redmi TV Soundbar to all its successful credit card applicants. Staying home doesn’t mean you have to forgo the theatre experience. Providing 3D sounds, the soundbar can be connected both via Bluetooth and directly via cable. The wireless connection range is at 10 meters which is sufficient for many homes. Just apply, activate, and perform the first swipe of any amount to be eligible for this gift!

Only applications for CIMB e Credit Card are valid for this campaign. Upon approval, you do have to activate and spend any amount to meet the requirements of the campaign and be eligible to get the prize.

Existing cardholders of any CIMB credit card and individuals who have held or cancelled a CIMB credit card in the six months are not eligible for this campaign. Apply for the CIMB e Credit Card
here.

***

Finally, be sure to start your application with our WhatsApp chatbot so that 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 6 September (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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Chee Jo-Ey

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Grab Introduces GrabClub, A Monthly Subscription Plan For Discounts On Grab And GrabFood

Grab Malaysia
 has introduced GrabClub for Malaysia, a new monthly subscription plan that allows users to save on Grab rides and GrabFood deliveries.

Designed for the urban millennials, GrabClub subscribers can save as much as 55% on rides and food orders. For now, there is only one plan, the Grab-It-All pass which costs RM50 monthly but is worth RM110 in Grab vouchers.

The plan consists of 15 Grab ride coupons worth RM4 each, and ten free delivery vouchers for GrabFood orders of RM20 or more. For those who use Grab to and from work, and regularly order food using GrabFood, GrabClub is a no-brainer service to save money.

The vouchers that users receive for the plan will be saved in the “My Rewards” page. However, vouchers that are not utilised within 30 days will be forfeited and refreshed along with the plan. Just like other subscription plans, customers who wish to cancel the plan should do so before the renewal of a new cycle to avoid being charged for the next cycle. Cancellations take effect from the start of the new subscription date.

Apart from that, the monthly passes auto-renew after the 30 days cycle has ended. The fee will be deducted straight from your
GrabPay e-wallet
. However, if there is insufficient credit in your mobile wallet, you will be alerted to top up the balance while your subscription is put on hold.

GrabClub is currently available as a trial basis in Malaysia, and is limited only to the Klang Valley and to the first 35,000 subscribers. Grab users will be able to sign up for the plan via Grab app, and pay for the plan using GrabPay credits.

(Sources:
Grab
,
The Star
)

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BigPay Replaces 6-Digit OTP Login Security Feature With SMS Login Links Instead

BigPay has updated the login security feature to its app, doing away with its customary 6-digit one-time password (OTP) and substituting it with a login link instead. This change aims to better protect its customers from scams or unauthorised access to their accounts, given the rampant SMS OTP scams happening this year.

“We’ve upgraded the way you login to your BigPay app. Instead of getting an SMS with a 6-digit OTP, you’ll get an SMS with a login link that sends you immediately to the BigPay home screen. This login link will help ensure that only you can access your BigPay account,” BigPay noted in an email sent to its users. Prior to this update, BigPay users are required to validate their logins with an SMS OTP. Fraudsters will need to obtain these OTPs to access customers’ money in their BigPay wallet, often through
excuses such as needing to validate a system update
. Sometimes, victims do fall prey to these scam calls, and completely lose access to their BigPay accounts as a result.

As such, the switch to SMS login links completely removes this human vulnerability. BigPay reminded users via the email that they should never share their login links, OTPs or any other personal information to any party. It also highlighted some scam tactics that are frequently used, such as offering to give customers a
red, premium, or limited edition BigPay card
, as well as requesting for OTPs or login links as part of a giveaway or contest. BigPay emphasised that it will never make such requests.

The rollout of this latest security update seemed to have encountered some hiccups, however, as a number of BigPay users have taken to Facebook to comment that they were unable to log in to their accounts. The company is expected to iron this out soon, but users who are planning to make payments via BigPay in the near future should take note of this for now.

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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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How To Get RM3 OFF Your Next Purchase With GrabPay

A decade ago, cash or cards were the dominant payment instruments in the market. However, in recent years, e-wallets have been on the rise and becoming one of the most common payment methods in Malaysia today. In fact, over a third of Malaysians, or
36% of them own three or more e-wallets
.

There are a number of reasons why e-wallets have become preferred by many. Some like the security it offers – unlike cash, it can’t be stolen. And in this day and age where hygiene is of utmost importance, some merchants adhere to a strict no-cash policy to minimise the exchange of physical contact. Besides hygiene and security, users also like it for the rewards that e-wallet providers tend to offer.

A popular e-wallet that’s synonymous with the colour green is GrabPay. As one of Malaysia’s largest e-wallet providers, GrabPay makes it easy for users to pay for everyday services such as bills, groceries, meals, transportation, and more – all from the app. For every purchase made through GrabPay, users get the chance to earn up to 3x GrabRewards.

From 10 November 2021 until 28 February 2022, GrabPay is giving away free RM3 OFF vouchers! Want to know how you can claim yours? Read on to find out how.

Claim Your RM3 OFF Voucher

To claim your RM3 OFF voucher, all you need to do is make a transaction with GrabPay by scanning any QR code at either a GrabPay Preferred Merchant or merchants with a DuitNow QR code. Regardless of what item or the total cost of the purchase, you’ll be able to get your RM3 OFF voucher if you scan a merchant’s QR code with GrabPay.

Just so you know, you’ll receive the voucher if you scan the merchant’s QR code but if they scan your GrabPay QR code instead, you won’t get the voucher. Once you’ve successfully received your voucher, you’ll be able to find it under “My Rewards” on the Grab app.

Using Your RM3 OFF Voucher

To use the voucher, there is a minimum spend of RM15 on a single transaction and can be redeemed at any GrabPay Preferred Merchant that has a physical GrabPay QR displayed. When you are paying at a GrabPay Preferred Merchant, remember to tap on “Add Promo” to use the voucher!

The voucher is limited to one redemption per user daily, up to 3 vouchers per month in November until February 2022. This means that you can get up to RM36 OFF worth of vouchers! Every voucher will be valid for 14 days once collected so don’t wait to use it up, or you might forget!

Offset Your Next Purchase With GrabPay

If you have yet to set up your GrabPay, do it today so you can collect points, redeem gifts, and vouchers such as their RM3 voucher. GrabRewards offer a variety of vouchers and it’s not just limited to the merchants available on their app. For example, users can redeem gift cards for Zalora, make a donation to Make-A-Wish for children with critical illnesses, and even collect telco reload vouchers.

Whether you’re getting dinner for your entire family or just making a purchase at your neighbourhood store, remember to pay via GrabPay and to scan the merchant’s QR code. Don’t forget to utilize GrabPay’s RM3 OFF voucher to offset your next purchase so you can save a few extra ringgits.

To learn more,
click here
 to visit Grab’s website or check out the
GrabPay Deals catalogue
 for even more deals.

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Lisa Ameera Azman

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TNG eWallet Introduces New Premium Tier With Upsized RM20,000 Limit

Touch ‘n Go (TNG) eWallet has introduced a new Premium tier to its e-wallet, offering benefits such as an increased e-wallet size of RM20,000 and an increased annual transaction limit of RM300,000. With this latest update, the TNG eWallet now has three tiers: Lite, Pro, and Premium, with the new Premium tier being rolled out to users in stages.

According to TNG, Premium eWallet users are able to enjoy the following benefits: the option to increase your eWallet size to RM20,000; a higher monthly transaction limit of RM20,000; and a higher annual transaction limit of RM300,000. You can compare the differences between the tiers in the table below:

Lite
Pro
Premium
eWallet Size
RM200
RM5,000
RM20,000
Monthly Transaction Limit
RM4,999.99 (excluding transportation transactions, RFID & PayDirect)
RM5,000 (excluding transportation transactions, RFID & PayDirect)
Up to RM25,000 (excluding transportation transactions, RFID & PayDirect)
Annual Transaction Limit
RM59,999.99 (including transportation transactions, RFID & PayDirect)
RM60,000 (including transportation transactions, RFID & PayDirect)
RM300,000 (including transportation transactions, RFID & PayDirect)

To become a Premium eWallet user, you need to make a transaction on any of the products from the e-wallet’s “Premium section” – namely,
TNG eWallet’s GO+
 investment feature or
TNG Car Insure
. Once you are upgraded to the Premium tier, you will be given the option to increase your eWallet limit to RM20,000 or keep it at RM5,000.

With the introduction of this new tier, the TNG eWallet now has the advantage over a number of the other major e-wallet players when it comes to e-wallet size.
GrabPay
and
Boost’s
highest e-wallet limits remain firmly in the four-digit range, whereas
BigPay
 and
kiplePay’s
 latest limits are half of TNG’s at RM10,000; only
Merchantrade Money
 manages to match TNG Premium’s new RM20,000 limit.

However, the upgraded
Lazada Wallet
 remains the champion when it comes to largest e-wallet limits – it has a wallet balance limit of RM25,000, as well as whoppingly high monthly and yearly transaction limits of RM200,000 and RM500,000 respectively. All the same, it is worth noting that Lazada is majority owned by Alibaba – the group behind digital payment platform Alipay, one of the most popular e-wallets in China. Alibaba also has a stake in TNG Digital through Ant Financial.

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    Kamisah mohamad

    2 years ago

Good. ..

1

Reply

    KC Teo

    2 years ago

Good job

1

Reply

    BHARTHRI NATH MATTU

    2 years ago

GOOD I LIKE 🥇🥈🥉🎖🏅🏆

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    Ryu

    2 years ago

Whats the point of having so much money in the wallet when you dont spend and dont get interest for it – especially for non TnG

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All Autogates, E-Gate Systems Nationwide Are Temporarily Suspended To Curb Covid-19 Spread

Travellers to and from Malaysia can no longer go through automated gates at all entry points across the country as the Immigration Department has temporarily suspended the use of autogates and e-gate systems. This was carried out as a preventive measure to limit the spread of the Covid-19 infection.

The suspension will affect the Malaysian autogates and foreign visitors e-gates, as well as the Malaysian Automated Clearance System (MACS) in Johor. This basically means that you’ll now need to allocate more time to get through each clearance points at the airport and other entry points when you’re travelling, so be sure to get to the airport earlier.

(Image: The Sun)

That said, the director-general of the Immigration Department, Khairul Dzaimee, assured that this will not affect tourist arrivals. He also said that the Immigration Department will continue to work closely with the Ministry of Health on the issue.

As of today, there are 50 positive cases of Covid-19 in Malaysia, with
14 new ones
 announced just yesterday.

(Source:
The Edge Markets
)

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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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    Passport Overused

    3 years ago

Great post 😁

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AirAsia Adds Late-Night Flights At Low Fares This Harvest Festival And Hari Raya

(Image: Soya Cincau
)

AirAsia has launched late-night flights at low fares for passengers to travel back home during the Harvest Festival and Hari Raya this year.

AirAsia BIG members will also enjoy lower fares during this festive season. The fares are fixed at RM99 for one-way travel within Peninsular Malaysia, RM149 from Peninsular Malaysia to Sarawak, and RM199 from Peninsular Malaysia to Sabah for AirAsia BIG members, and RM105, RM155, and RM199 respectively for non-members.

This year, the Harvest Festival and Hari Raya will begin from 30 May but passengers can make the bookings from 30 April until 17 May and they will be able to travel from 27 May 2019 to 17 June 2019.

The CEO of AirAsia Group, Tony Fernandes said the company added more than 115,000 seats this festive period for passengers to go back home and reunite with their loved ones.

“I am pleased that AirAsia is increasing its flight frequencies during festive seasons to keep the fares competitive and reasonable. We believe it is important for the aviation players and the government to work together in making travelling affordable for everyone, and I’m pleased that AirAsia is supporting the government’s initiative,” said Transport Minister Anthony Loke.

Passengers travelling during this period are advised to arrive at the airport earlier to avoid congestion at the security checkpoints and check-in counters. Alternatively, they can also use the online check-in services to ease the travel experience. Online check-in service is available 14 days prior to the scheduled departure time. Book now at the
AirAsia
 website.

(Source:
Soya Cincau
,
Air Asia
)

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New Citibank Rewards Platinum credit card – compared

Not all that long ago,
we gave you the lowdown
 on the then-recently introduced
Citibank Rewards Platinum Card.
 Now it’s time to get to know it even better. And the RinggitPlus team believes that one of the best ways to do so is measure it up against another credit card.

The card that we picked for this purpose is another reward points powerhouse – the
Maybank 2 Platinum Cards.
 So how will the Citibank card fare against its well-established competitor? First, have a look at the table below, which highlights the features of both cards in a nutshell.

Citibank Rewards Platinum vs Maybank 2 Platinum

Citibank Rewards Platinum

Maybank 2 Platinum

5x Citi Rewards points on up to 5 categories

RM100 per year subscription fee for each category (two categories free for the first year)

Maximum 60,000 claimable 5x Citi Rewards points per category per annum

Maximum RM1,000 spend eligible for 5x Citi Rewards per category per month (RM12,000 for Travel category)

Automatic protection for each subscribed category

20,000 welcome Citi Rewards points, subject to minimum spending conditions

Minimum annual income: RM36,000

Cardholders get a Maybankard 2 American Express Card and Maybankard 2 MasterCard in one sign up, service tax and statement.

5x TreatsPoints with Maybankard 2 American Express Card worldwide (2x TreatsPoints on government bodies, education institutions and insurance providers)

1x TreatsPoints with Maybankard 2 MasterCard

5% weekend cash back with Maybankard 2 American Express Card, capped at RM50 per month

Complimentary travel insurance coverage, retail protection and golf course use

Minimum annual income: RM60,000

Putting it all in perspective

In order to get the best out of your
Citibank Rewards Platinum Card
, you need to ensure that you’re subscribed to the categories you spend the most on. So spare some thought to identify them before you sign up for the card.

By doing so, you’ll have a better bet that the monetary value of your Citi Rewards will be more than the minimum RM200 you’d have to shell out on reward subscription fees. Sign up for as many categories as you’d like, so long as you’re a heavy spender on each of them.

On the other hand, with your
Maybank 2 Platinum Cards
 , you are not restricted to collecting your TreatsPoints within specific categories. This makes them ideal for those of us who don’t spend a lot on specific categories only and are looking for a great all-round card. The 5% weekend cashback is a nice little bonus too.

Different needs, different credit cards

After comparing the Citibank Rewards Platinum Card and Maybank 2 Platinum Cards side by side, we can only conclude that no card is better than the other. As always, their usefulness is determined on what you use them for.

If your spending habits include heavy expenditures within a narrow set of categories, we say go for the Citibank credit card. However, if you spend an average amount across a broad range of categories, the Maybank cards will suit your needs better.

The way we see it, the Citibank Rewards Platinum card will appeal more to singles, who tend to focus their spend on the categories that reflect their lifestyle habits. The Maybank 2 Platinum cards we find is geared towards those with families, as they would be very likely to spend evenly on several categories rather than heavily on one or two. The difference in minimum annual income requirements for both cards reflects this.

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foodpanda Enables Boost As Payment Option, Celebrates With 100% Cashback Campaign

foodpanda users can now pay for their purchases with the Boost e-wallet, adding to the food delivery platform’s wide range of payment options.

In celebration of this partnership, Boost has launched a three-day-only promotion campaign dubbed the Boost x foodpanda Big Bang Launch 100% Cashback campaign. Running from today until 20 August 2021, foodpanda customers will be able to receive 100% cashback when they spend a minimum of RM20 in a single transaction via Boost (cashback capped at RM20).

The promo is only applicable for transactions made between 10am to 8pm of each campaign day, and will be offered on a first-come first-served basis to 1,000 customers per day. This means that you’ll have to be quick if you want to tap into the offer. Boost further clarified that each eligible customer may only receive one cashback throughout the whole campaign period.

If you do win, the cashback reward will be credited immediately into your foodpanda wallet in the Boost app. No minimum spend is required to use the cashback earned, but you must spend the whole amount in a single transaction. Additionally, the cashback earned has a validity period of 30 days; any unutilised cashback will expire and be forfeited automatically after the 30-day period.

(Source:
Boost
)

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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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Samsung Galaxy S20 Pre-Order In Malaysia Opens Today, Priced From RM3,599

Samsung has officially opened pre-orders for its latest flagship smartphones. Announced just this morning, the Samsung Galaxy S20, Galaxy S20+, and Galaxy S20 Ultra will officially be available in Malaysia from 4 March 2020.

Touted as heralding a new decade of mobile innovation, the Galaxy S20 series all come with brand new camera setups to meet the demands of consumers today. They also pack significantly larger batteries, while gamers will be pleased to find 120Hz displays as standard across the three models.

For the Malaysian market, Samsung is only bringing in the 128GB storage options for the three models, and they will be powered by the Exynos 990 processor (the US, Japan, and China markets will use the Qualcomm Snapdragon 865 chipset).

Samsung Galaxy S20 Retail Price In Malaysia

The retail prices for the new Galaxy S20 models are:

Samsung Galaxy S20: RM3,599

Samsung Galaxy S20+: RM3,999

Samsung Galaxy S20 Ultra: RM4,999

Samsung Galaxy S20 Pre-Order Offers

Just like previous pre-order campaigns, Samsung is standardising the Galaxy S20 pre-orders across all its retail partners, including its own. You can do so at
Samsung Malaysia’s official website
, its retail outlets,
Lazada
,
Shopee
, as well as various retail and telco partners.

Where in previous years Samsung have generously bundled
free devices such as tablets and earphones
 as well as
complimentary extended warranty and screen crack protection
, this year’s offering looks quite disappointing. Galaxy S20 pre-orders will include a free wireless charging pad (bonus item that’s only mentioned after you place your order), while Galaxy S20+ and S20 Ultra pre-orders will add a free Galaxy Buds+ valued at RM599 alongside the wireless charging pad.

We’ve checked across other retail partners and e-commerce sites, and found that virtually all of them are offering the same package. That said,
Senheng
 and Harvey Norman have sitewide promos that apply to the Galaxy S20 pre-orders as well.

For Senheng, its PlusOne members automatically get an extra 1 year extended warranty, while PlusOne members who purchase using Citi credit cards get
2 years extended warranty
.

As for Harvey Norman, it is giving
up to RM150 Harvey Norman vouchers
 when you make a minimum purchase of RM2,500 via
0% instalment payment plan
 of 12 months and above. Unfortunately, you’ll be RM1 short of getting the RM150 voucher if you’re getting the S20 Ultra, but you can always purchase a small item to push the total purchase value past the RM5,000 mark.

Maximise savings with the right credit cards

Otherwise, you’re stuck with the stock freebies provided by Samsung. If you wish to further maximise returns, you can always use your credit cards’ benefits. If you pre-order online, use
credit cards that offer cashback for online transactions
 such as the
Standard Chartered JustOne Platinum
,
Public Bank Quantum Mastercard
,
Maybank 2 Cards Amex
, or even the
Standard Chartered Liverpool FC Cash Back Card
 – all of these will offer cashback between RM30 to RM50.

If you are placing the pre-order offline, you could actually split the payment across different cards to maximise your returns. This is generally accepted at most credit card payment terminals, and you just need to inform the cashier. You can potentially earn up to three times more cashback this way – if you have the right credit cards, that is.

If (in theory), you split your payment for the Galaxy S20 Ultra between the
Maybank 2 Cards Amex,

Standard Chartered Liverpool FC Cash Back Card
,
Public Bank Quantum Visa
 and
Mastercard
,
UOB YOLO
, and the
AffinBank Visa Signature
, you can earn RM193.97 in cashback – that’s an effective return of 3.88%. Of course, owning six credit cards is uncommon, but it’s an illustration of how much returns you can earn by optimised spending.

Alternatively, if you own a good rewards points credit card, you can save yourself the hassle of splitting payments – a single card can give better returns in the form of these cards. For example, the
Maybank 2 Premier cards
 offer returns anywhere from 8% to 15% in the form of air miles.

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About THE AUTHOR

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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    Abam Botak

    3 years ago

When will ringgitplus offer this as credit card sign up gift? Abam is up for it on the spot!

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    Pang Tun Yau

    3 years ago

    Reply to

        Abam Botak

Keep an eye out on the flash deals, you’ll never know what our Campaigns team has in store. We had the iPhone 11 Pro as a sign up gift just a few weeks ago!

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CIMB Credit Cardmembers Get Colourful at Colour Couture

CIMB cardholders will be able to treat themselves to long lasting mani-pedi’s with the newest promo in collaboration with nail experts Colour Couture. Get a 10% off OPI manicure and pedicure services and 15% off OPI Spa manicure and pedicure services.

All you have to do is make payment with your CIMB credit or debit card. The promotion is valid at Colour Couture outlets at Bangsar Village II, Empire Shopping Centre in Subang, 1Utama Shopping centre and Pavillion, Kuala Lumpur.

Offer valid until 31 December 2013.

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Diana Chai

Diana Chai

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Prudent Drivers Will Pay Less For Motor Insurance From January 2020

(Image: The Sun)

Starting January 2020, the Ministry of Transport will be introducing an initiative that rewards drivers who hold a clean track record. Those without a history of traffic offences will either enjoy lower motor insurance premiums or an additional discount for their No Claim Bonus (NCB).

According to Transport Minister Anthony Loke, the process of updating and sharing the information of Malaysian drivers on the databases of Mysikap by the Road Transport Department (RTD) and the Royal Malaysia Police (PDRM) is nearing completion.

“All mechanisms needed to provide discounts are in the final stage of preparation and it will be announced by the end of the year,” he commented.

He also added that the General Insurance Association of Malaysia (PIAM) is on board with the new initiative to be rolled out as doing so will raise road safety.

The Ministry of Transport has been considering the implementation of this merit system
since September 2018
, in its aim to educate Malaysians about safe driving.

(Source:
The Edge Markets
)

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Vaccinated? Win Up To RM200,000 Worth Of Prizes With Prudential Malaysia

Collectively known as Prudential Malaysia, Prudential Assurance Malaysia Berhad (PAMB) and Prudential BSN Takaful (PruBSN) has recently launched the “Malaysia Boleh Divaksinasi Contest” through their mobile app, Pulse by Prudential. With up to RM200,000 worth of prizes, Prudential Malaysia is rewarding vaccinated Malaysians who played a part in helping the nation achieve more than a 95% vaccination rate among the adult population.

Malaysians from the ages 18 years and above who have received at least one dose of the COVID-19 vaccination before 31 December 2021 can stand a chance to win Shopee e-vouchers worth RM50 to RM2,000 when they register their participation through the Pulse app. Moreover, the higher the participation, the bigger the prize pool and number of winners!

“We are here to help all Malaysians to live and grow with confidence by empowering them to take charge of their well-being.  As preventive care is the first step towards getting the most out of life, we want to thank all Malaysians who have protected themselves against COVID-19 by getting vaccinated. Prudential wants the best for Malaysians, and a healthy nation begins with every individual playing their role in making healthy choices,”

explained
 Lim Eng Seong, Chief Executive Officer of PAMB.

“Aligned with PruBSN’s 15th-anniversary celebration this year, establishing societal impact by helping Malaysians achieve their health aspirations is one of our goals,” expressed
Wan Saifulrizal Wan Ismail, Chief Executive Officer of PruBSN
. He also shared that Malaysians also can access a variety of tools and features through the Pulse by Prudential App such as health assessment, symptom checker, online doctor consultation, health information, and fitness challenges.

For more information on the “Malaysia Boleh Divaksinasi Contest”, visit
Prudential Assurance Malaysia Berhad
 or
Prudential BSN Takaful Berhad
 website. To participate in the contest, download the
Pulse by Prudential
 app from the Google Playstore or Apple App Store.

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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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Maybank Credit Card Campaign Offers 5% Cashback For Reloads On Selected E-Wallets

Between today until 15 November 2021, Maybank will be running its Maybank Cards eWallet campaign, which rewards credit cardholders with 5% cashback when they make a minimum of five reload transactions for selected e-wallets in a month. The cumulative total of all the transactions must come up to at least RM600 within a month.

This campaign is the first of its kind from Maybank, which famously ended all cashback and rewards points earning from e-wallet reloads back in 2019. Open to all
Maybank Visa, Mastercard, and American Express (Amex) credit cardholders
, the following e-wallet platforms are eligible for the campaign:

BigPay
Boost
GrabPay
Lazada Wallet
Setel
ShopeePay
Touch ‘n Go eWallet

Each cardholder can earn a maximum of RM30 cashback per month, so if you meet the requirements for all three months, you can earn a maximum RM90 cashback in total as per the following schedule:

Campaign month
Period
Month 1
15 Aug – 14 Sept 2021
Month 2
15 Sept – 14 Oct 2021
Month 3
15 Oct – 15 Nov 2021

Your qualifying spend will then be calculated and sorted at the end of each campaign month, and if you do win, the total monthly cashback will be credited into your account. Note that the cashback rewards will be offered on a first-come first-served basis, capped at a maximum of 3,333 customers each month.

(Source:
Maybank
)

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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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    Kenny

    2 years ago

A Maximum Of 3,333 Customers Each Month. This is a joke.

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LHDN Enables e-Daftar For More Categories, Introduces New Prefix For Individual Taxpayers

The Internal Revenue Board (LHDN) will be expanding the functions of e-Daftar so that more categories of taxpayers can register for their income tax numbers via the portal starting from 18 May 2021. On top of that, it will also be changing the existing income tax prefixes of individual taxpayers (SG and OG) to a new prefix (IG).

According to a statement by LHDN, new taxpayers in the following categories will be able to register and apply for their income tax numbers via e-Daftar starting from tomorrow:

Cooperative Society (CS)

Association (F)

Trust Body (TA)

Unit or Real Property Trust (TC)

Business Trust (TN)

Real Estate Investment Trust/Property Trust Fund (TR)

At present, registrations on the e-Daftar portal are only open to limited taxpayer categories, namely Individuals (SG and OG), Companies (C), Partnership (D), Employer (E), and Limited Liability Partnership (PT). LHDN said that this move to enable additional categories of taxpayers to register under e-Daftar is an effort by the board to improve its services for taxpayers. For context, e-Daftar is a portal that allows new taxpayers to register for their income tax files online instead of having to visit a physical LHDN branch.

Aside from that, LHDN also said that it will be implementing a new prefix for individual taxpayers, changing it from SG (individuals with non-business income source) and OG (individuals with business income source) to IG. “The process of setting the new prefix will involve two phases, namely phase one for new individual taxpayers registered through the LHDN system. Phase two will involve changing the prefix of existing individual taxpayers in stages from 18 May 2021,” said the board.

(Image: The Star)

LHDN further clarified that the changing of the prefixes will not alter taxpayers’ existing individual income tax number. Additionally, deadlines for the tax season will also remain the same; individuals who do not carry out business are still required to file their taxes by 30 April each year, whereas those who do must complete it by 30 June.

Finally, LHDN commented that the decision to change the prefixes for individual taxpayers is intended to better facilitate the management of taxpayers and to avoid confusion among individual taxpayers.

Taxpayers who have enquiries or feedback can contact LHDN through its HASiL Care Line at 03-8911 1000/603-8911 1100 (overseas). Alternatively, you can use the HASiL Live Chat or the
feedback form
 on LHDN’s official portal.

(Sources:
LHDN
,
The Edge Markets
)

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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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    mohd hanafi ngah

    2 years ago

saya perlukan kesemua tax tax saya

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    Anonymous

    6 months ago

My tax number code has been changed from SG to IG. What does that mean? No explanation was given by IRD.

3

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    Nic

    4 months ago

    Reply to

        Anonymous

same here

0

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    Anonymous

    5 months ago

My tax number code has been changed from SG to IG. What does that mean? No explanation was given by IRD.

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Unlock Astonishing Rewards Like iPhone 14 Pro, RM5000 Cash via DuitNow & Guaranteed RM600 TNG Credit

Let’s jump into July and the latter half of 2023 with a splash of amazing rewards to be unboxed! If you’ve been considering adding a new credit card to your wallet, why not apply via ‘Unbox This Week’ and let our captivating sign-up gifts light up your month?

For those who are new to this campaign, Unbox This Week is a weekly event where we present to you fantastic weekly flash deals from our featured bank partners. All you need to do is apply for selected credit cards from these banks of the week through RinggitPlus and you’ll take home some great prizes.

From 10 July to 17 July, our featured bank partners are

none other than
Standard Chartered, HSBC Bank, UOB, RHB, Alliance Bank, and Public Bank
. So, if you’ve considered applying for a credit card with any of these banks, you know what to do to get more out of your application!

Standard Chartered – JBL Bar 1300 Speakers

Stand a chance to win the JBL Bar 1300 Speakers and experience its exceptional sound! To those who’ve been dreaming of revamping your home audio experience, it’s time to take your chances.

In case you didn’t win the JBL Bar, you’re also guaranteed to take home a gift of RM600 Touch n’ Go eWallet Credit when you sign up for a Standard Chartered credit card! This reward would be the perfect assistant for your highway tolls, meal costs, utility bills, or simply to buy a special present for yourself or your loved ones! Just remember, you will need to activate your card within 30 days upon approval to be eligible for this gift. Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can apply for your new Standard Chartered credit card
here
.

HSBC Bank – Apple iPhone 14 Pro

Here’s your chance to take home the latest Apple iPhone 14 Pro! With its advanced capabilities, along with its breakthrough ProMotion and its 48MP camera technology, you’ll be able to up your social media game and explore your creativity with breathtaking photos and 4k videos. What’s more? You can also expect any video calls to be ultra-smooth with a seamless performance second to none!

Don’t break a sweat because you’ll still be getting a guaranteed RM500 TNG eWallet Credit if you don’t win the iPhone 14 Pro.
Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for this gift. That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your HSBC credit card
here
.

UOB – iPhone 14

Score your chance to win an Apple iPhone 14 by signing up for a UOB Credit Card this week!

Immerse yourself in the ultra-high-resolution display of the iPhone 14 in every digital thing that you do! Comes with a cutting-edge camera system that allows you to capture amazing pictures even when you shoot in low light through its Main camera.

Thanks to its renowned long-lasting battery life, you can also rest assured that you can power through your day without worrying about charging. Plus, with its sleek design and durable build, you’ll have a smartphone that not only performs well but also looks impressive.

You’ll still be able to take home a guaranteed RM200 Touch ‘n Go eWallet Credit if you don’t win the iPhone 14! To redeem your gift, apply for your card via the RinggitPlus website, get approved by UOB, and activate your card. Apply for your UOB credit card
here
.

RHB – RM5000 Cash via DuitNow

Apply for an RHB Credit Card this week and stand a chance to win RM5000 Cash via DuitNow!

It could be for investment, a new hobby you’re interested in, a new tech device that you’ve longed to have, going for a long-awaited vacation, or even to knock off a chunk of your mortgage or other loans and bills. With an extra RM5000 in your hand, all these choices are yours to make!

Every applicant will also receive a guaranteed RM500 Touch ‘n Go eWallet Credit. So don’t worry about not winning, and just apply for it!Once approved, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the gift. Existing cardholders of any RHB Bank credit card and individuals who have held or cancelled an RHB Bank credit card in the past six months are not eligible for this campaign. Apply for an RHB Bank Credit Card
here
.

Alliance Bank – Xiaomi Mijia Water Dispenser C1 or 70mai Dash Cam Smart 1S

Apply for a new Alliance Bank Credit Card and enjoy the Xiaomi Mijia Water Dispenser C1 or 70mai Dash Cam Smart 1S for your everyday use!

When you apply for an Alliance Credit Card with Balance Transfer, you will be guaranteed the gift of a Xiaomi Mijia Water Dispenser C1. With it as your companion at home, you can now make your own coffee or cook up a quick cup of noodles with a touch of a button. Feeling hot due to the weather? It also dispenses cold drinking water to cool your day off.

If you’re applying for an Alliance Credit Card without Balance Transfer, then the 70mai Dash Cam Smart 1S is guaranteed to be yours. By attaching the dash cam to your vehicle, you can now have peace of mind when driving as it provides you with high-quality recordings of your journey and potentially protects you in case of disputes or accidents.Upon approval, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the gift. Existing cardholders of any Alliance Bank credit card and individuals who have held or cancelled an Alliance Bank credit card in the past six months are not eligible for this campaign. Apply for an Alliance Bank Credit Card
here
.

Public Bank – Xiaomi Redmi Buds 3 Pro

Elevate your listening experience with a guaranteed pair of Xiaomi Redmi Buds 3 Pro when you apply for a Public Bank Credit Card!

With an astounding 32db of noise suppression, these wireless earbuds create a serene audio haven even in the business of environments. Whether you’re grooving to your favourite songs or listening to an interesting audiobook, or on an important call, the Xiaomi Redmi Buds 3 Pro ensures your listening experience is uninterrupted.All you need to do is complete your application via the RinggitPlus website, get approved by Public Bank, and make an accumulative spend of RM250 within sixty (60) days of approval to be guaranteed this gift. Apply for your Public Bank credit card
here
.

***

Finally, be sure to start your application with our WhatsApp chatbot so that 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 17 July 2023 (11am), 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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Jasen Lee

Jasen Lee

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