TNG RFID Will Be Accepted At 62 Open-System Toll Plazas Starting From 1 January 2020

(
Image: Ezna Khalili
)

Motorists of several major highways across Malaysia can soon enjoy a smoother driving experience as toll operators begin implementing RFID toll collection at 62 open-system toll plazas starting from 1 January 2020.

A total of 24 highways in West Malaysia are involved in this initiative, namely:

Lebuhraya Utara Selatan (PLUS)

Plaza Tol Bangunan Sultan Iskandar (BSI)

Plaza Tol Kempas

Plaza Tol Jitra

Lebuhraya Laluan Kedua Malaysia-Singapura (LINKEDUA)

Lebuhraya Shah Alam (KESAS)

Lebuhraya Cheras-Kajang (GRANDSAGA)

Lebuhraya Damansara-Puchong (LDP)

Lebuhraya KL-Karak (KLK)

Lebuhraya Lingakaran Kajang (SILK)

Lebuhraya Penyuraian Trafik KL Barat (SPRINT)

Lebuhraya Sungai Besi (BESRAYA)

Lebuhraya Kemuning-Shah Alam (LKSA)

Lebuhraya Duta-Ulu Kelang (DUKE)

Lebuhraya KL-Putrajaya (MEX)

Lebuhraya Bertingkat Ampang-Kuala Lumpur (AKLEH)

Lebuhraya Baru Pantai (NPE)

Lebuhraya Koridor Guthrie (GCE)

Lebuhraya Butterworth – Kulim (BKE)

Lebuhraya Lingkaran Luar Butterworth (BORR)

Lebuhraya KL-Kuala Selangor (LATAR)

Lebuhraya Pintas Selat Klang Utara Baru (GRAND SEPADU)

Lebuhraya Terowong SMART

Lebuhraya Seremban – Port Dickson (SPDH)

Jambatan Pulau Pinang (JPP)

Jambatan Sultan Abdul Halim Mu’adzam Shah (JSAHMS)

Lebuhraya Kajang – Seremban (LEKAS)

Plaza Tol Ampangan

(
Image: Lowyat.NET
)

The use of RFID payments is expected to ensure smoother traffic at toll plazas as you will no longer have to pause at the toll booths for physical payments. Additionally, it features various other conveniences:

Easier and seamless toll transactions

Saving on maintenance costs as RFID does not run on batteries

RFID reloads can be easily done online

RFID stickers will not be misplaced or lost as it is stuck to your vehicle

Reducing operational setbacks, especially with the use of SmartTAG services

The RFID payment system
 utilises a sticker embedded with a radio frequency chip, which is linked to your Touch ‘n Go eWallet. It is the latest electronic payment system to be introduced for toll payments, running alongside the existing Touch ‘n Go and SmartTag systems.

If you’re looking to get your vehicle fitted with RFID stickers, you can do it at one of the 130 Fitment Centres available: 18 Touch ‘n Go centres and 112 mobile centres. The RFID fitting can be done for free, and you do not have to make appointments if you’re doing your fitting at the mobile centres.

In a
statement
, the Malaysian Highway Authority (LLM) said that it has begun running pilot tests for the RFID payment system since 2018, and public response has been fairly positive. To date, there are more than 830,000 RFID users on the road.

LLM also noted that that the RFID payment system is the country’s first step to realising the Multi Lane Free Flow (MLFF) system, which is expected to be implemented over the next three years. The MLFF system is essentially a toll payment method that allows free-flow high-speed tolling for highway users, thus eliminating the need for toll booth barriers.

(Source:
SoyaCincau
,
Paul Tan’s Automotive News
)

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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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3.2 Million Applications For BSH Cash Aid Received

(Source: Malay Mail)

The Ministry of Finance revealed that 3.2 million applications for
Bantuan Sara Hidup (BSH)
 cash aid were received as of 27 March 2019.

Finance Minister Lim Guan Eng said that 530,000 new applications were recorded, while the additional 2.67 million applications are updated cases. However, the total number of applications is expected to increase to 4 million because the Inland Revenue Board (IRB) is still implementing the data entry process.

(Source: Utusan)

Lim also added that the government wants to reduce leakage in the handling of BSH cash aids. Therefore, the information received from the applicants will be matched with data from other government agencies to determine the applicants’ eligibility. There are a total of 16 agencies involved in making sure that the cash aid will only be given to those who are eligible for it, including the Social Welfare Department (JKM), the Majlis Amanah Rakyat (MARA), and the Social Security Organisation (SOCSO).

(Source:
Malay Mail
)

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RinggitPlus #YouWantOne Campaign FAQ 2019

Q: What is #YouWantOne Campaign about?

The #YouWantOne Campaign rewards you for making credit card, personal loan, motor insurance, travel insurance, life insurance, medical card insurance, critical illness insurance, home mortgage, current and savings account, and business loans applications via RinggitPlus.

Approved applications for any of the above products will get you a certain number of entries for our grand sweepstake gifts. You have the chance to win one of three
Volvo XC40
cars! Yes, that’s right – apply for the participating products on our site and you gain entries to the lucky draw for one of three Volvo cars!

Q: Which products are part of the #YouWantOne Campaign?

Credit card

RHB, Standard Chartered Bank, HSBC, Citibank, UOB, AEON Credit Service, Maybank, Public Bank, BSN

Personal loan

RHB (except RHB Personal Financing-i Civil Sector), Al Rajhi, Kuwait Finance House, Alliance Bank, Citibank, HSBC, UOB, eMicro, Standard Chartered Bank

Motor insurance

Etiqa Comprehensive Private Car Insurance, Etiqa Comprehensive Private Car Takaful, RHB Insurance Comprehensive Private Car Insurance, Allianz Comprehensive Motor Insurance

Travel insurance

Allianz Travel Care

Mortgage

HSBC Home Smart, Citibank Housing Loan, Citibank FlexiHome Loan, Bank of China Housing Loan

Current and savings accounts

OCBC 360 Account, OCBC Booster Account, KFH Libshara Account-i

Business loans

RHB SME Financing Online

Life and medical insurance

Selected Manulife, AXA Affin, Allianz, Etiqa, Gibraltar BSN products

*For more information on the selected products eligible, please refer to the
terms and conditions
.

Q: What is the #YouWantOne Weekly Flash Deal campaign?

If you apply for a credit card from HSBC, Standard Chartered Malaysia, Citibank, RHB, UOB or AEON Credit Service, you are eligible for a weekly flash deal gift!

Each week, we will be giving away the following gifts to successful credit card applicants for the above banks:

Garmin Vivoactive 3 Element GPS Smartwatch with wrist-based heart monitor (150 units)

Philips SmartPro Easy Robot Vacuum Cleaner (200 units)

Apple Watch Series 3 38mm (250 units)

Google Home Hub + Google Chromecast 3 (300 units)

All other successful applicants who were not selected to win the above gifts will be entitled to a RM100 Petronas gift card. Applicants will be selected based on the date and time of their online application via the RinggitPlus website for credit cards of participating banks/institutions. You will be required to provide images of the front and back of your MyKad during the application process (via RinggitPlus WhatsApp).

And yes, you will also be entered into the grand sweepstakes for the Volvo cars!

Q: If I apply for more than one credit card, can I get multiple sign-up gifts?

Yes. However, the weekly flash deal gift is restricted to one per customer. Any subsequent gifts will be given a RM100 Petronas gift card.

Q: I already own a credit card with one of the participating banks/institutions. Am I still eligible to get the gift if I apply for another card with the same bank/institution during this campaign?

You will not be eligible if you already own a credit card with the bank you are applying to.

Q: How long is the approval process?

Each bank/institution has different processing timelines for different products, and thus it is at the bank’s discretion. Customers will be notified once the bank/institution has started processing their applications.

Q: How and when can I get #YouWantOne weekly flash deal gifts?

Once the bank/institution notifies RinggitPlus of your approval status and eligibility for the campaign gift, RinggitPlus will provide you with a redemption code for your gift within 28 days. To claim your gift and arrange for its delivery, key in the code on the
RinggitPlus gift claim page
 and we will send it to you via a reputable courier service within 28 days from your date of claim.

The banks will notify RinggitPlus once the following has taken place:

Credit cards

Successful Applicants’ Criteria

HSBC

With a minimum spend of RM1,000 within 60 days of card approval

Standard Chartered

Upon card activation within 30 days of card approval

Citibank

Upon card activation within 60 days of card approval

RHB

Upon card activation within 30 days of card approval

UOB

Upon card activation within 30 days of card approval

AEON Credit Service

Upon card activation within 30 days of card approval

Q: What is the deadline for me to claim the flash deal gift?

It is the responsibility of each successful applicant to claim their gift before 30 April 2020. Cardholders who claim their gift after this date will not be entertained.

Q: If my application is rejected, am I still eligible for any gifts?

No. Only applications which have been approved and fulfil the criteria are eligible for gifts from #YouWantOne Campaign.

Q: How long will this promotion be available?

RinggitPlus #YouWantOne promotions will run from 6 November 2019 to 18 December 2019.

For more information, please refer to the
terms and conditions
.

Make sure to check out the
#YouWantOne promo

now
!

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Effective Ways to Avoid Excess Baggage Fees

It’s utterly admirable to want to get through your vacation with a single carry-on but there are times when additional baggage is simply unavoidable. Nevertheless, you don’t have to give up on getting more just because your bags won’t behave.

This time around we’re letting you in on a few cheeky ways to trim the costs of those pesky baggage charges.

Stretching Your Travel Budget

Naturally, you want to do as much as possible with your travel resources – so spending it on excess baggage fees pretty much feels like money down the drain.

But you may find yourself in circumstances where you need to purchase additional baggage to accommodate:

sports gear or musical instruments,

medical equipment,

moving items from your home away from home, and

kid-related items like strollers and baby bags.

Now depending on airline policies, which are always in a flux, you may enjoy free additional allowances for some of the items listed above. But otherwise, it could count as part of your checked baggage (or carry-on), where you will be charged if you go beyond the limit.

What’s more, some budget airlines do not check baggage for free, so you will have to pay even more for every bit of extra luggage you’re toting.

What You Can Do To #GetMore Value

Lighten the load and save on excess baggage costs with these tips:

Tip 1: Combine baggage allowances

If travelling in a group, the airline may permit you to combine the allotted allowance per traveller to maximise any unused kilos. Airline rules differ but most would only give this leeway if tickets are purchased or booked together under one credit card or passenger.

At present however, most airlines will not accept individual pieces of checked luggage weighing more than 32kg due to safety regulations. So be sure to consider the ‘weighty’ issues before filling up the allowed baggage limits.

Tip 2: Use points and rewards to gain additional baggage allowances

If you have a good number of frequent flyer miles or reward points for loyalty programmes such as MAS Enrich or AirAsia Big, you can use those points to purchase allowances, enjoy a discounted rate or even get more for free!

Furthermore, if your
travel credit card
 (or
regular credit card
) is linked to a loyalty program, swiping to pay for your flight could significantly rev up your accumulated points and earn you free additional baggage.

If you don’t already have
a rewarding credit card
, you might want to consider getting one since it really doesn’t seem fair for you to be left out of all the good deals now does it?

Tip 3: Maxing out your carry-on and hand luggage

Apart from your carry-on luggage for which the average allowed is 7kg, you can also carry a personal item with you like a mini-backpack or handbag. Do try to exploit the extra weight here instead of plunking everything into your checked baggage.

For those travelling with little ones, check if your airline will allow you to bring along things like a carrycot, baby food and collapsible stroller. Some carriers are rather flexible and permit these items in addition to your carry-on luggage for F-R-E-E.

Tip 4: Take advantage of special allowances

Do ask your chosen carrier if you qualify for any special baggage exemptions. For example, those travelling with Malaysian Airlines who are either in the top tiers of the Enrich programme, classified as government workers on warrant travel or corporate travellers get to bring their golf equipment for free.

There’s also a religious allowance offered by certain flights and airlines for Muslims performing ‘Umrah’ and ‘Hajj’ to bring home bottles of ‘Zam Zam’ water. However, do enquire with your individual carrier and be sure to confirm all necessary details beforehand.

Tip 5: Pre-book additional baggage allowances before flights

Consider buying pre-booked additional checked baggage if your luggage is guaranteed to exceed weight limits. It is much cheaper than getting charged at the airport itself, possibly by 40% depending on the airline, flight destinations, etc.

Furthermore, if you’re able, try to make purchases in your own currency or online to avoid last-minute exchange rate hikes.

On a roll and want even more tips? Here are some quick ones to keep in mind:

a)
Check that your carry-on is the right size
. Otherwise, it could be checked and counted as excess baggage. Linear dimensions can vary between airlines but most have been streamlined to accept a total of 115cm for carry-ons and 158cm for checked baggage.

b)
Don’t take more than the allowed number of bags
 if following a ‘per piece’ system. Usually applies for travel to and from the Americas, where the maximum number of luggage allowed is no more than two. Any extras, even if within the weight limit, will be carried as excess baggage.

c)
Measure accurately and make adjustments
. Employ the assistance of a tape measure for the dimensions and a bathroom scale to weigh the contents of your bag before heading to the airport. It’ll save you time, effort and hassle to repack your belongings at the airport.

‘Bagging’ For Moderation

Even if you can’t completely get out of excess baggage fees, you can always minimise the cost by monitoring everything that you carry as luggage.
Check out our guide on packing light
 so you can shed the unwanted bulk instead of shedding cash!

This means that you’ll need to be very choosy with your packing while also setting a personal maximum weight limit that should not be exceeded.

Thus, whenever you do pack in excess; convince yourself to remove one or two items.

Whittling down your baggage is the easiest way to get out of paying extra fees. More importantly, it’ll help you #GetMore value from your travel stock to spend on something better!

Did you like learning how to #GetMore when travelling with your partner 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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Samsung Unveils Samsung Money by SoFi, Includes A Debit Card And Cash Management Account

Samsung has introduced Samsung Money by SoFi, a mobile-first money management service that comes with a virtual and physical Mastercard debit card, as well as a cash management account. It is integrated with the company’s mobile payment and digital wallet service, Samsung Pay, expanding Samsung’s mobile payments ecosystem.

Customers will be managing the new service via Samsung Pay, which lets users check their account balance, view past statements, and search for transactions. Users can also conduct security processes such as flagging fraudulent activities, freeze or unfreeze their cards, and change their PIN number on the app without having to physically meet anyone. Additionally, there is no account fee, and customers who deposit money into the Samsung Money by SoFi cash management account will also earn interest.

Samsung Pay is also where users will initially set up Samsung Money by SoFi. Once the registration has been approved, users will get a virtual debit card instantly in the Samsung Pay app, while the physical card will be mailed, which is then activated using the app.

The Samsung Money by SoFi service also offers several other perks for users. For instance, purchases made with the Samsung Money by SoFi debit card will earn points via the Samsung Rewards programme. These points can be redeemed for cash, which will be deposited into the Samsung Money by SoFi account – similar to the Boost e-wallet here in Malaysia.

Another benefit includes being able to access 55,000 ATMs for free via the Allpoint network in the US. Samsung Money by SoFi accounts are also FDIC-insured (the US equivalent of PIDM) for up to $1.5 million – six times that of a normal bank account.

Security, too, is a top priority for Samsung Money by SoFi, thanks to protection from Samsung Knox, Samsung’s defence-grade mobile security platform used by the tech giant in its latest devices. The physical debit card is also designed with security in mind: the card number, expiration date, and CVC are all not displayed on the card. Instead, they can be found in the Samsung Pay app (just like the
GrabPay Card
 and the
Apple Card
), and are further protected with biometric or PIN authentication.

“Samsung Money by SoFi is our biggest move yet to help users do more with their money. Samsung Pay is already the most rewarding shopping and payments experience driven by numerous innovations over the years. Now, users can access mobile-first financial services and earn exclusive Samsung benefits,” said the vice president and general manager of Samsung Pay (North America), Sang Ahn.

Samsung is yet another tech company making further inroads into financial technology, and follows companies like
Google
 and Apple into expanding their existing mobile payments solutions (Google Pay & Apple Pay respectively) into fully-integrated money management tools that do not need the services of a bank. Huawei, too, recently entered the frame with the announcement of its
Huawei Card
, although these are both credit cards.

The Samsung Money by SoFi service will be available to Samsung smartphone users in the US in the coming months, with no word yet on international availability.

(Source:
Samsung
)

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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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    Tan

    3 years ago

This is not even for Malaysia…..why post it here?

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MTUC: Putrajaya Should Deliver Hard Facts About Malaysian Economy

The Malaysian Trades Union Congress (MTUC) has called on the government to deliver the hard facts on the struggles faced by the Malaysian people amid a weak economy and high unemployment rate due to Covid-19.

MTUC secretary-general J. Solomon said that the Finance Minister’s claim that the economy has “rebounded strongly” based on June’s gross domestic product (GDP) growth reflected a clear disconnect with the reality on the ground.

“The government must stop going overboard in attempting to paint a rosy picture of the economy and the unemployment problem,” said Solomon in a statement, highlighting Bank Negara Malaysia’s report of a 17.1% contraction in GDP for the second quarter of 2020. “This is worse than neighbouring countries such as Singapore, Indonesia, Vietnam, and the Philippines.”

Finance Minister Datuk Seri Tengku Zafrul had stated that with every passing month, Malaysia has recorded an improvement in its GDP, with the negative growth rate reducing significantly from -28.6% from April to -3.2% in June. However, Solomon commented that this observation does not tally with official unemployment statistics, which he said continues to be alarming.

“If businesses were coming back strongly over the past months with GDP ‘improving’ as claimed by the minister, why is it that the official unemployment rate continues to be very high?” Solomon wanted to know. The official unemployment rate had lowered to
4.9% in June
, but Solomon said that the actual rate may be higher as the human resources minister admitted that companies were terminating their workers without reporting to the Labour Department.

“The official unemployment figures also did not take into account those self-employed who were forced to close shop and have no source of income,” Solomon added. He said that the  numbers supported the Malaysian Employers Federation’s (MEF) projections of up to 2 million people losing their jobs by next year, and warned that unemployment could be further compounded by fresh graduates joining the job market.

Overall, Solomon said that the Q2 GDP figures, loss of jobs, and unemployment rate should reflect the gravity of the situation and prod the government into taking action to ensure the livelihood of ordinary Malaysians. Meanwhile, Malaysian workers should not be deluded into thinking that the country is on a “quick fix mode” that will see the economy bouncing back in full in 2021.

“The bold predictions of a 5.5% to 8% growth for 2021 must not blur the present daily challenges of workers struggling to make ends meet nor those rendered unemployed and have no income to support their families,” said Solomon. “During these testing times, those in the B40 and M40 must be helped with direct cash assistance and other forms of aid by the government to mitigate the high costs of living and to ensure they have a roof over their heads and enough food on the table.”

(Source:
Free Malaysia Today
,
Malay Mail
)

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The All-New BMW X6: A Bold Statement Of Who You Are

You’ve conquered it all and tasted the sweet taste of success. You’ve well and truly arrived in life. Now that you already have almost everything, what else can you possibly want? The all-new BMW X6 could prove to be a worthy temptation.

There are many reasons why the BMW X6 xDrive40i is perfect for one in your position. Let’s start with the very first impression it will make on you – its looks.

The BMW X6 has always been BMW’s most aggressive model within the range. It is well-known as “The Beast” among the X series models, but the BMW X6 xDrive40i takes this even further up a notch. It’s now more dominant in its exterior design. More muscular, yet refined. If you’re looking for a vehicle that reflects and complements the strength of your character, this is it.

Owning the all-new X6 will also make you one of the first (and for now, only) few to have the privilege of cruising around town with an illuminated BMW kidney grille. Dubbed the BMW “Iconic Glow”, this feature is a sure-fire way to announce your presence on the road, making for a majestic sight as you take to the streets after the sun goes down.

Furthermore, the new X6 is also longer and wider than previous models, while its height has been reduced to emphasise its dominance. Not only that, the new shape improves aerodynamics and gives it a lower centre of gravity for greater stability, making it a breeze to take on those corners even at speed.

That being said, as a connoisseur of the finer things in life you would definitely understand that while looks are important, they aren’t
everything
. You don’t just want a car that looks amazing, you want one that has tremendous power and is a delight to drive, too.

Which brings us to the BMW X6 xDrive40i’s engine – a 3.0 litre six-cylinder petrol engine mated to an eight-speed Steptronic Sport transmission that channels power to all four wheels via BMW xDrive.

With that powerhouse under the hood, the X6 xDrive40i is able to churn out 250 kW or 340 hp, hit a maximum torque of 450 Nm, and take only 5.5 seconds to accelerate from 0 to 100 km/h. It’s the kind of raw power that will give you the unfair advantage to zoom past pretty much everyone else on the road.

Of course, the all-new BMW X6 also comes complete with all the little bells and whistles that you would expect in a BMW, such as the new BMW Live Cockpit Professional that runs on the next generation BMW Operating System 7.0.

Need your very own virtual concierge and vehicle expert while you are on the move? The BMW Intelligent Personal Assistant is always at your service. How about a little help navigating in confined spaces or when you don’t have a clear view? That’s where the Reversing Assistant comes in.

And it doesn’t end there. Driving Assistant Professional. BMW Laserlight. BMW Display Key. Wireless phone charging. Remote Software Upgrade. The list of the BMW X6 xDrive40i’s leading-edge features goes on. But we’ll spare you the details. After all, the best way to experience any BMW model is to do it in person.

The all-new BMW X6 was designed for someone like you. Someone who wants to make a bold visual statement while accepting no compromise to either performance or comfort. Priced from RM729,800, and yours from only RM8,328 a month, the BMW X6 xDrive40i is the embodiment of both luxury and value in the same perfect package.

Tempted to own the all-new BMW X6? Book yours at
shop.bmw.com.my
 and you could also be driving a BMW i8 Coupé home with our exclusive lucky draw.

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Standard Chartered Offers Year-Long Grab Deals For Selected Credit Cardholders

Standard Chartered is now offering a year-long deal that lets you earn Grab merchant and GrabFood vouchers when you top up your GrabPay e-wallet or spend on GrabFood with selected cards. Ongoing until 31 December, these vouchers will help you save more than RM200 in total!

Cardholders using Standard Chartered’s
Priority Banking Visa Infinite
,
WorldMiles World Mastercard
,
JustOne Platinum
,
Visa Platinum
,
Smart Credit Card
, or
Liverpool FC Cashback
 will be able to tap into the following two promos:

Top Up GrabPay E-Wallet And Earn RM10 Grab Merchant Vouchers

This deal allows cardholders who top up their GrabPay e-wallet with a minimum of RM200 to earn Grab merchant vouchers worth RM10. Open to both new and existing Grab users, each customer is entitled to one voucher per month.

Note that Standard Chartered has earmarked a total of RM360,000 for this particular promo, which comes up to an allocation of RM30,000 for each campaign month. This means that there are only 3,000 vouchers up for grabs each month, provided on a first-come first-served basis, so be quick!

Spend On GrabFood And Earn RM8 GrabFood Vouchers

You can also earn RM8 GrabFood vouchers when you spend a minimum of RM50 on Grabfood with the selected credit cards (excluding delivery). Available for both new and existing Grab users as well, this deal is more generous; you are allowed to make two redemptions each month, provided on a first-come first-served basis.

That said, only 1,750 vouchers will be distributed every campaign month, so you’ll have to hurry as well if you want these! In total, Standard Chartered has set aside RM168,000 for this promotion, which comes up to an allocation of RM14,000 per campaign month.

***

In case you were wondering, this Grab campaign from Standard Chartered is actually an updated version of a
Grab promo
 that was previously offered back in 2020. In the earlier edition, Standard Chartered had provided vouchers of varying values for three types of expenses: GrabPay top-ups, GrabFood purchases, and Grab rides.

You can find out more about this latest year-long
Grab deal from Standard Chartered
 on the bank’s official website.

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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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AKPK Ready To Provide Financial Counselling And Rescheduling Services Post-Moratorium

(Image: Mypt3.com)

The Credit Counselling and Debt Management Agency (AKPK) has stated that it is ready to provide financial counselling and loan rescheduling services for individuals who face debt repayment difficulties when the ongoing six-month moratorium ends in September 2020.

“For those whose income was not affected but who still choose to accept the moratorium, they are expected to have no problem repaying the loan after the moratorium expires. But for those who are still struggling financially and going through difficult times, they are urged to seek some early assistance by contacting their respective financial institutions or AKPK,” said the head of AKPK’s corporate communications department, Mohamed Khalil Jamaldin.

AKPK also drew up a list of guidelines for the public to plan and prepare for possible post-moratorium financial challenges. The list includes advice such as being prepared for no extension to the moratorium period once it ends, as well as planning your loan repayment early instead of waiting until the last minute.

(Image: The Star)

The agency also advised the public to contact their financial institution to find out their latest loan monthly instalments and to review their current financial position. Additionally, you should study your monthly budget and find ways to generate extra income.

Aside from individuals, AKPK had also previously offered to assist
business owners and employees of small and medium enterprises
 (SMEs) impacted by the pandemic and the movement control order (MCO).

To find out more about AKPK’s services, you can contact its customer service line at 03-2616 7766 or visit
AKPK’s website
.

(Source:
The Star
,
Malay Mail
)

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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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Have You Heard of These 5 Ridiculous Credit Card Myths?

Since credit card debt is one of the most commons forms of debt out there, it’s understandable that a large percentage of the population may not be inclined to use them. In fact, plenty of millennials are ditching credit cards altogether, relying only on debit cards and cash.

Despite this, credit cards are a useful tool in building a healthy credit history and managing our finances. If you’re one of those people who feel like getting a credit card is a scary debt trap, it might be due to your belief in some common misconceptions about credit cards. In that case, we’re here to debunk those myths so you can separate fact from fiction.

A Debit Card Is as Good as a Credit Card

A bank card is a handy way to not have to carry all your cash with you, sure. And using a debit card to do this is just fine. But by no means is your debit card equally as good as a credit card when it comes to certain uses.

One important advantage that credit cards have over debit cards is in keeping you safe from fraud. A fraudulent or suspicious transaction can be cancelled much faster and easier when done via credit card than with a debit card. A debit card purchase is almost completely irreversible and even if you can prove that a fraudulent charge has taken place, it’s unlikely that you’ll get your money back. We feel this key security feature is already an excellent reason to use credit cards on top of the rewards, discounts, and promotions routinely offered by various credit card issuers.

Having Only One Credit Card is Enough

In a perfect world, this would be true. You would just need one credit card that you can swipe anywhere and gain rewards for any purchase you make. However, not all merchants accept all kinds of cards from any issuer. First of all, there are places that accept Mastercard and not Visa, and vice versa. This is already a good enough reason to have at least one of each.

Another reason is that plenty of credit cards reward you for specific purchases and swipes. Which means if you want every swipe you make to award you with airmiles, cash back, and goodies, you probably need to shop around for more than one card.

Your Purchases Get Charged Interest Immediately After Paying

Credit cards do come with an interest rate, but this interest is not charged immediately upon you swiping the card. That is to say, the price of what you pay for doesn’t automatically increase by the percentage of your interest rate. You only have to pay your credit card interest on the outstanding balance you still have on your card.

This means that as long as you spend carefully and pay off your credit card bill in full each month, you won’t have to pay any interest charges at all. But even if you do, these charges only appear on your credit card bill at the end of the month, leaving you time to manage your finances to prepare for paying it off if you do happen to spend more than what you have in your account at the moment.

Credit Cards Are Expensive

Credit card debt can be a heavy financial strain is handled improperly, yes. But credit cards themselves are not expensive. In fact, applying for one, getting it approved, and activating the card for the first time do not require any additional starting fees.

Some credit cards do however have an annual fee, but you can shop around for cards that have a low annual fee or even for cards that have zero fees that you have to pay every year. As long as you’re using (and choosing) your card responsibly, owning one is not very expensive at all.

Never Get Credit Cards with Annual Fees

It’s true that high annual fees are a bad thing if you want to keep your bill payments low. But just because a credit card has annual fees doesn’t mean it’s automatically a card you should avoid. Often, the cards with higher annual fees are cards that offer you attractive cash back, rewards, and air miles.

These rewards not just offset the costs of you swiping your card, they also mean you get appealing discounts and promotional items by just doing your regular shopping. To be sure you’re getting what you pay for in annual fees, we recommend you do your homework and visit our comparison page to determine which cards you can really use the most to maximise your rewards.

Credit Cards Are Not the Enemy

Despite the horror stories you may hear about people in credit card debt, you should know that credit cards by themselves are not to blame. As with any kind of financial product, as long as you use it prudently and are responsible with them, you should be just fine.

If you’re looking for the best credit cards that Standard Chartered has to offer, check out their page on RinggitPlus and select from their range of cards that are packed with features, with more than 1,000 deals nationwide!

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TNB Bill Payments On Boost & TNG eWallet Now Live, Here Are The Bonus Cashback Promos

(Image: Focus Malaysia)

Both
Boost
 and
Touch ‘n Go (TNG) eWallet
 have now officially enabled their respective bill payment features for Tenaga Nasional Berhad (TNB) last Saturday (13 November 2021). To celebrate the launch of this long-awaited update, the two e-wallets have rolled out their own cashback campaigns to reward and encourage their users to test out the new feature.

Read on to find out more about these campaigns, and how you can earn up to RM75 cashback (if you are lucky).

Boost TNB Deal: Up To RM20 Cashback

Period: 13 November 2021 – 28 February 2022

Boost users who pay a minimum of RM100 in a single TNB bill transaction via the BoostBills feature will be entitled to receive
a total of RM10 cashback
. However, this incentive will be provided in the form of two separate cashback rewards (Reward 1 and 2, set at RM5 each), based on a specific disbursement and utilisation schedule, as is detailed below:

Transaction period
Total redemption per month
Reward 1 disbursement
Reward 1 utilisation
Reward 2 disbursement
Reward 2 utilisation
13 – 30 November 2021
10,000
7 December 2021
7 – 31 December 2021
1 January 2022
1 – 31 January 2022
1 – 31 December 2021
20,000
7 January 2022
7 – 31 January 2022
1 February 2022
1 – 28 February 2022
1 – 31 January 2022
20,000
7 February 2022
7 – 28 February 2022
1 March 2022
1 – 31 March 2022
1 – 28 February 2022
20,000
7 March 2022
7 – 31 March 2022
1 April 2022
1 – 30 April 2022

So for instance, if you paid your TNB bill on 18 November 2021, you can expect to receive your first RM5 cashback on 7 December 2021, which you must then use within the month. The second RM5 cashback, meanwhile, will be credited to you on 1 January 2022 – to be utilised within January as well.

Boost further clarified that the RM10 cashback reward provided via this campaign can only be used to make TNB bill payments. There is no minimum spend required to utilise Reward 1, but you need to spend at least RM100 in order to use Reward 2. Do note as well that each user is only entitled to one redemption of the reward throughout the whole campaign period, and any unutilised cashback will be automatically forfeited if not used during the stipulated period.

On top of this campaign, there is actually a
separate New User Mission deal
 that is provided exclusively for new Boost users, allowing them to obtain an extra RM10 rebate for any bill payments, including TNB bills. Ongoing until 31 December 2021, this campaign requires new users to complete a “mission” by topping up a minimum of RM20 into their Boost e-wallet. If you are a new user tapping into both campaigns above, then your overall savings when paying TNB bills can come up to a total of RM20.

TNG eWallet Deal: Up To RM55 Cashback

Period: 13 November – 31 December 2021

Under this campaign, TNG eWallet users will be able to earn a
cashback reward of RM5
 when they spend a minimum of RM80 in a single TNB bill payment. Provided on a first-come first-served basis, there is a cap of 30,000 transactions, after which the promotion will cease to run. If you do win it, the RM5 cashback amount will be credited into your account within three working days.

In addition to the RM5 cashback, TNG eWallet also has another concurrent promo that gives its users a chance to
win RM50 cashback
 when they pay a minimum of RM100 via their TNB bills. A total of 18 winners will be selected randomly by TNG Digital to win the prize, with the cut-off time set at 6pm each day. TNG Digital will then reveal the winners on a weekly basis according to the following schedule:

Weekly schedule
Announcement date
13 – 18 November 2021
19 November 2021
19 – 25 November 2021
26 November 2021
26 November – 2 December 2021
3 December 2021
3 – 9 December 2021
10 December 2021
10 – 16 December 2021
17 December 2021
17 – 23 December 2021
24 December 2021
24 – 31 December 2021
1 January 2022

The RM50 cashback reward will also be credited into the winner’s account within three working days, after the announcement has been made. Note that each TNG eWallet user will only be entitled to one RM5 and RM50 cashback reward (per calendar month) throughout the promotion period.

(Sources: Boost [
1
,
2
,
3
], TNG eWallet [
1
,
2
,
3
])

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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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Revamped Public Islamic Bank Platinum Credit Cards Offer 4% Cashback On Online And Grocery Spend

Public Islamic Bank has officially relaunched four of its credit cards, including the Public Islamic Bank Visa Platinum Credit Card-i and the Public Islamic Bank MasterCard Platinum Credit Card-i. Previously offering only 0.2% cashback on all retail purchases, the Public Islamic Bank Platinum credit cards now offer 4% cashback on two categories each.

The Public Islamic Bank Visa Platinum gives you 4% cashback on online and overseas transactions, with no minimum spend required. Meanwhile, the Public Islamic Bank Mastercard Platinum offers 4% cashback on grocery and departmental store spend. The cashback earnings are capped at RM30 per month, so you can earn cashback on up to RM750 worth of monthly spend before you reach the cashback limit for each card.

Public Islamic Bank Visa Platinum Credit Card-i

Previous benefits

Current benefits

Cashback

0.2% cashback on retail purchases locally and overseas

4% cashback on online and overseas transactions

Monthly cap

Unlimited

RM30

Public Islamic Bank Mastercard Platinum Credit Card-i

Previous benefits

Current benefits

Cashback benefit

0.2% cashback on retail purchases locally and overseas

4% cashback on grocery and departmental store spend

Cap

Unlimited

RM30

Besides that, Public Islamic Bank Platinum cardholders get 2x complimentary access to any Malaysia Plaza Premium Lounge. You also get complimentary automatic travel insurance of up to RM500,000 – as well as an e-commerce purchase protection benefit for online purchases that cover losses of up to USD$200 per year.

Visa cardholders are also entitled to the benefits of a 0% Flexipay Plan, where you can convert purchases above RM1,500 into a 6-month instalment plan with 0% management fees. However, if you own the Mastercard Platinum, the benefit available to you is the 0% Balance Transfer Plan, where you can convert your outstanding balance (above RM1,500) from other banks into a 6-month instalment plan with zero management fees.

Both Islamic credit cards come with a charity feature, where 0.1% of the cardholder’s total dining transactions will be automatically donated to Yayasan Waqaf every month. The donation amount is capped at RM100 per month.

The minimum income requirements for the Public Islamic Bank Platinum cards remain unchanged at RM40,000 per year or RM3,333.33 per month. Similarly, the annual fees are the same as before at RM333 per year for a principal card and RM150 for a supplementary card. The annual fee is waived for the first year and waived for subsequent years if you swipe at least 12 times in a year.

With a vast upgrade in terms of cashback benefits (with no minimum spend requirement!) and added together with the complimentary airport lounge access, the new Public Islamic Bank Platinum cards are a huge step up from the former versions. The Public Islamic Bank Visa Platinum in particular is likely to be a popular pick, given the continued demand for credit cards offering cashback for online transactions these days.

In fact, the Visa Platinum falls only just slightly short of Public Bank’s crowd favourite the
Public Bank Quantum Mastercard
, which offers 5% cashback for online transactions, also capped at RM30. However, the Quantum Mastercard comes as one half of the two-card
 Quantum duo
, whereas you can get the Public Islamic Bank Visa Platinum without having to apply for the Mastercard.

(Source:
Public Bank
)

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    Kav

    2 years ago

Hi , when I checked it says 2% and not 4%

Please reconfirm

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    Pang Tun Yau

    2 years ago

    Reply to

        Kav

The 2% rate is for the Gold cards, and 4% is for the Platinum cards. Our Gold cards coverage will be up very soon!

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    My nixname

    2 years ago

E wallet reload considered online transaction?

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    syamsul amri abdul rahim

    2 years ago

How to apply this card

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Jimat Air 3.0 Campaign Offers Up To RM150 Discount For Water-Efficient Appliances

Suruhanjaya Perkhidmatan Air Negara (SPAN) is once again collaborating with e-commerce platform Shopee to bring back the Jimat Air campaign, now in its third reiteration. Already ongoing, Jimat Air 3.0 is set to run until 31 December 2022.

Just as how
Jimat Air 1.0
 sought to encourage Malaysians to use water-efficient appliances, Jimat 3.0 also aims to continue improving the public’s access to similar products that are recognised under the Water-Efficient Product Labelling Scheme (WEPLS) guidelines set by SPAN. This time round, eligible individuals will be able to obtain two types of discount vouchers meant for different categories of items, namely:

Discount categories
Equipment/Appliances
Voucher per user
RM100 discount
Washing machines
Water closets
Urinal equipment
1x
50% off (capped at RM50)
Water taps
Shower heads
1x

While the total rebate provided under Jimat Air 3.0 is slightly lesser in comparison to Jimat Air 1.0 and 2.0 – which offered rebates of RM200 and RM300 (with another 50% off voucher), respectively – these latest vouchers are still able to offer substantial savings on your purchases of washing machines and other fittings. Approved appliances and equipment that can be purchased under the Jimat Air 3.0 campaign include those from brands such as Toshiba, Midea, LG, Electrolux, and Bareno.

As was the case before, you must first verify your ShopeePay and submit your water bill account information through Shopee in order to be eligible for the discounts provided under Jimat Air 3.0. The form can be accessed via the
Jimat Air 3.0 landing page
.

Once your form is submitted and approved, the vouchers will then be credited into your account within 14 days. In the meantime, you can browse through Shopee’s catalogue for items with the Jimat Air 3.0 label and add your preferred appliances to your cart; once you receive your vouchers, go ahead and apply them during the checkout process to enjoy the discounts! You can also find the discount vouchers under the “My Vouchers” tab in your account profile page.

Shopee highlighted, however, that users who have previously redeemed discount vouchers during the Jimat Air 1.0 and Jimat Air 2.0 campaigns are not eligible to claim Jimat 3.0 voucher(s) that are from the same category. So for instance, if you’ve claimed the discount voucher for washing machines under previous Jimat Air campaigns, then you can only tap into the 50% rebate voucher for water taps and shower heads in Jimat Air 3.0.

If you have any enquiries regarding the Jimat Air 3.0 initiative, you can contact SPAN at +603 8317 9333 or email them at
[email protected]
. Remember to also turn on your push notification settings for Shopee in order to get notified when the Jimat Air 3.0 vouchers are credited into your account.

(Sources:
SPAN
,
Shopee
)

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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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Govt To Increase iTEKAD Grant Allocation By RM6 Million For MSMEs

Bank Negara Malaysia (BNM) announced that the government is looking to enhance the iTEKAD financial programme so that it can better assist microentrepreneurs as well as small and medium enterprises (MSMEs) that are in need, particularly those from the B40 group. Specifically, the programme will receive an additional funding of RM6 million to carry out its initiatives.

The iTEKAD programme – which had an allocation of RM4 million under Budget 2023 – was first
introduced during Covid-19
 to assist low-income microentrepreneurs in their financial and business management so that they can generate sustainable income. Among other things, it provided structured training, seed capital, and microfinancing for these individuals – and is in line with the
Financial Sector Blueprint (2022-2026)
 to elevate the financial wellbeing of households and businesses.

In turn, these MSMEs may eventually contribute back to the society by providing job and economic opportunities within their respective communities. This ultimately helps to bridge the gap between the poor and the rich, with the final aim of eradicating national poverty.

In terms of participants, BNM has seen over 3,000 microentrepreneurs tap into the solutions provided via iTEKAD as of May 2023. It also currently has 11 participating financial institutions and over 50 implementation partners to implement iTEKAD’s solutions, including Bank Islam, CIMB Islamic, Bank Muamalat, Agrobank, and Bank Simpanan Nasional (BSN).

Moving forward, BNM hopes to grow the number of iTEKAD participants to over 4,000 individuals. It also aims to bring more financial institutions and implementation partners onboard – an aspiration that is echoed by Prime Minister Datuk Seri Anwar Ibrahim as well.

“I hope that in the next few months, the figure will reach 20 banking institutions [for iTEKAD]. If not, I will request to see the list of those that have not joined and expand it further in the private sector,” said Datuk Seri Anwar during the Majlis Jalinan Kerjasama iTEKAD organised by BNM today. He further stressed that the involvement of banks is crucial to the success of programmes like iTEKAD as it means better efficiency in the management of the programmes.

Finally, BNM urged corporates from both the public and private sector to reach out to any participating financial institutions if they wish to be part of the
iTEKAD initiative
.

(Source:
Malay Mail
)

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Alex Cheong Pui Yin

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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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Govt Sets Up RM10 Mil Compensation Fund For Adverse Covid-19 Vaccine Side Effects

(Image: The Malaysian Reserve)

The Malaysian government has set up a special fund to compensate those who suffer adverse side effects from the Covid-19 vaccine. The fund will be made available to both Malaysians and foreign nationals who face serious side effects after being vaccinated under the National Covid-19 Immunisation Plan.

Those who face adverse vaccine side effects will be entitled to the following claims of compensation:

RM50,000 to the recipient if they face serious side effects that require a long period of hospitalisation; and

RM500,000 in the case of permanent loss of facilities or death caused by the Covid-19 vaccine

(Image: Reuters)

The government will set aside starting funds of RM10 million under the National Disaster Relief Fund, which is run by National Disaster Management Agency (NADMA). The Ministry of Health has set up three committees that are respectively tasked with observing and evaluating adverse side effects, deciding whether a particular claim was caused by the Covid-19 vaccine on a case-by-case basis, and approving the claims. The special aid will be given to recipients of the vaccine after the case has been evaluated and approved by all three committees.

“This special financial aid is a proactive step by the government to face the possibility of adverse effects from the administration of the Covid-19 vaccine,” said Dato Sri Dr Adham Baba, the minister of health. “Besides that, the financial aid for adverse effects will help support the needs of vaccine recipients and their families who could be affected as a result of taking the vaccine.”

It was revealed earlier last month by Science, Technology, and Innovation Minister
Khairy Jamaluddin
 that the cabinet had agreed to provide a special protection scheme for serious vaccine side effects.

(Source:
Ministry of Health
)

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    Tolits Liquido

    2 years ago

are foreigners and expats who will also receive the vaccine included in this compensation fund?

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Grand Gift Alert: Win RM5,000 Cash Via DuitNow, NEW Apple iPhone 14, & More

Looking to apply for a credit card? The Unbox This Week credit card campaign is back with amazing gifts when you sign up!

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 13 March to 20 March 2023, our featured bank partners are

none other than
Citibank, HSBC Bank, Alliance Bank, Standard Chartered Bank, Public Bank, and RHB
. 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 – Sonos Ray Soundbar

Jazz up your home theatre with a Sonos Ray Soundbar which you could win when you apply for a Citibank Credit Card! Sporting a simple and compact design, this high-tech soundbar would blend in with any living room.

Don’t worry if you’re not selected as you will still walk away with a guaranteed RM600 TNG eWallet Credit.

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 – NEW Apple iPhone 14

Time for a phone upgrade? Win the NEW iPhone 14 when you apply for a HSBC Credit Card! Featuring a larger screen for more viewing, users will also enjoy sharper colour accuracy for your photos, Action mode for more stable handheld videos, and more.

For those who are not selected, you will still walk away with guaranteed Apple Airpods.

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
.

RHB – RM5,000 Cash Via DuitNow

Win our grandest cash gift ever – RM5,000 cash via DuitNow – when you apply for a RHB Credit Card! Save it up, spend it on loved ones, or invest it – it’s all up to you.

For those who are not selected, you will still walk away with a guaranteed RM400 TNG eWallet Credit.

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
.

Public Bank – Samsung Galaxy Buds Live

Want to stay stylish during your meetings or workouts? Win the Samsung Galaxy Buds Live when you apply for a Public Bank Credit Card!

Boasting an ergonomic design for comfort, the Samsung Galaxy Buds Live has Active Noise Cancellation and brings to you live, deep sounds.

For those who are not selected, you will still walk away with a guaranteed Midea MVC-SC861 Hand Vacuum.

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
.

Alliance Bank – Xiaomi Smart Band 7 Pro or Samsung Galaxy Fit 2

Take home a guaranteed Xiaomi Smart Band 7 Pro or Samsung Galaxy Fit 2 when you apply for a new Alliance Bank Credit Card.

The Xiaomi Smart Band 7 Pro has a vibrant aesthetic that might motivate you to work out with more than 150 watch faces, more than 110 sport modes, 12-day battery life and is best of all, guaranteed to you when you apply for an Alliance Credit Card with Balance Transfer.

Meanwhile, you will receive the sleek Samsung Galaxy Fit 2 that comes with a 3D glass, wide 1.1-inch full colour AMOLED display, water-resistance of up to 50m with 5ATM certification, and more when you apply for an Alliance Credit Card.

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
.

Standard Chartered Bank – Samsung Galaxy Watch 4

If you’re into fitness, you would be glad to know that you could win the Samsung Galaxy Watch 4 when you apply for a Standard Chartered Credit Card! The Samsung BioActive Sensor lets you know your own body better including your body fat percentage, skeletal muscle, body water, and more so you know what to work on.

Don’t worry if you’re not selected, as you will still get a guaranteed URBANLite Ledge 24″ Luggage.

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
.

***

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 20 March 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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Chee Jo-Ey

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The Lightweight 2-In-1 Device Fitting For Young Professionals

Finding the right laptop, though it may sound exciting, is not as simple as it seems. With so many options available in the market, finding one that seamlessly integrates into your life yet accelerates your productivity is quite a challenge.

Among the factors that buyers have to consider when purchasing the device are performance, display quality, connectivity, mobility, and design. For young professionals, whether they’re just about to enter the workforce or have multiple experiences under their belt, they might have to prioritise high performance in order to meet work expectations.

What if there was a laptop in the market that can drive work performance and at the same time has a sleek design, is lightweight, and makes sharing between devices a breeze?

Meet the HUAWEI MateBook 14s, a powerful laptop intended to spark creative thinking and unleash new levels of productivity.

Notably Lightweight So You Can Move Freely

Before the pandemic,
digital nomads
 scattered the globe en masse. And once the Covid-19 outbreak made global headlines, remote working became the norm for employees all around the world. Whether you choose to work at home, from the office, or a 10-hour flight away from the rest of your team, having the option to easily carry your laptop without packing on the kilos is a huge advantage.

Rest assured that taking the HUAWEI MateBook 14s with you everywhere would be a rather easy task since it only weighs 1.43kg. Thanks to its lightweight sturdy aluminium-alloy body, you can get work done anywhere your heart desires and not feel restricted or anchored to stay in one place for too long.

Flicker-Free, Smooth Viewing With The HUAWEI FullView Display

It’s hard to have a poor working experience when the visuals are splendid. The MateBook 14s’ 2.5K 90hz HUAWEI FullView touch Display boasts a cinematic viewing experience.

With a display that supports up to 90Hz refresh rate, users get to enjoy a smoother playback but users also have the freedom to easily switch to 60Hz to maximise battery life.

Not only that, but the laptop also offers dual-eye protection with TÜV Rheinland Low Blue Light (Hardware Solution) and Flicker Free certifications, which assist users to ease eye fatigue and thereby safeguard their eyes.

With the PC-Tablet Multi-screen Collaboration, users can take advantage of three modes; Mirror, Extend, and Collaborate which allows easy mirroring, display extension, or cross-platform drag and drop across linked devices.

Speed Through Work With High-Performance Capabilities

The MateBook 14s comes equipped with an 11th Gen Intel CoreTM CPU and an Iris Xe graphics card for increased performance. When in need of a boost, turn on the performance mode to raise the CPU TDP to 45W.

Typically, one has to multitask numerous times a day – with the 16GB RAM as well as the 512GB SSD ROM, the MateBook 14s can switch between programmes swiftly.

The laptop comes with a 60Wh (rated capacity) battery which can take up to 13 hours of continuous 1080p video playback. Together with a pocketable 90W power adapter, users can hustle for up to 3 hours of productivity work with only a 15-minute charge.

What’s better, the MateBook 14s comes with Microsoft 365 Personal for enhanced productivity, collaboration, and efficiency.

Connect And Share Files Between Devices Seamlessly

Sharing documents between devices can be a hassle. For instance, sending a work-related PDF from your phone to your work laptop. What usually happens is cables get tangled, sometimes even disconnected midway through, or you simply find the right cable altogether.

With HUAWEI Share, users get to enjoy a wireless sharing technology that allows unfettered transfers of photos, videos, documents, and others across different devices easily. It uses Bluetooth to find nearby devices that support HUAWEI Share and Wi-Fi Direct, allowing the transfer of files without relying on mobile data.

The Mate Designed To Increase Productivity

Get more work done with a device that has high-performing capabilities, practical features, easy connectivity, and a visually-pleasing display. Besides benefiting from its lightweight, the MateBook 14s also sports a minimal, sleek design that anyone would be happy to show off.

Get the HUAWEI MateBook 14s from RM4,999 exclusively bundled along with gifts worth up to RM667*: HUAWEI Backpack, HUAWEI Wireless Mouse, Microsoft 365 Personal (1 Year).

Click here
 to purchase your HUAWEI MateBook 14s online.

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Lisa Ameera Azman

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Shopee SPayLater Is Now Shariah Compliant, With Revised Fees & Charges

Shopee has announced several updates to the use terms of its buy-now-pay-later (BNPL) service, SPayLater, including its new status as a
shariah
-compliant payment method. Additionally, it has also revised the processing fee and the late charges of the service, as well as introduced a new billing schedule.

With regard to SPayLater’s
shariah
 compliance, the BNPL service is now certified as a
shariah
-compliant payment method by global
shariah
 advisory firm, Amanie Advisors (registered with the Securities Commission (SC)). In a notice, it was noted that SPayLater is “consistent with the
shariah
 permissibility on Bay’ Bithaman Ajil (deferred payment sale), where the parties in a sale transaction agree to make the payment in a deferred basis.”

Aside from that, SPayLater has also revised the processing fees and late charges for its payment plans as per the following rates:

Prior to this, SPayLater users who opt for monthly instalments of two months and above had to pay a lower processing fee of 1.25% per month on the order amount. Meanwhile, the late payment fee charged back then was 1.5% monthly on the overdue amount.

In addition to that, Shopee also introduced two different payment cycles (billing dates and due dates) for new SPayLater users, thereby providing them with some flexibility in managing their repayment schedules. Before this, SPayLater customers only had one option for their billing cycle – with the billing date set to the 1
st
 of the month, and payment due by 10
th
 of the month. Now, however, you can choose your preferred repayment schedule from either of the billing cycles:

Options
Details
Option 1
Billing date: 1
st
 of the month
Due date: 10
th
 of the month
Option 2
Billing date: 21
st
 of the month
Due date: 1
st
 of next month

Shopee’s SPayLater was first
rolled out in January 2021
, and it allows you to “postpone” the payments for your current purchases to the following month, or convert them into monthly instalments. SPayLater used to be enabled only for purchases made on the Shopee platform (minimum purchase of RM15 with selected merchants and products), but it has now also been made available for checkouts at selected physical stores (minimum purchase of RM1).

(Source:
Shopee
)

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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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An Introduction To Critical Illness Insurance

Medical costs have been on an upward spiral for a long time, especially now that the Malaysian government has allowed medical and dental practitioners to hike their
professional fees up to 14.4%
. On top of that, the estimated medical inflation of 10-15% annually means treatment costs will only escalate even higher. Sure, money tucked away in a savings account or long-term fixed deposit might help pay for future medical bills, but it isn’t necessarily enough. Once your savings pool runs dry, a Critical Illness Insurance plan might be your solution.

What Is A Critical Illness Insurance Policy?

A Critical Illness (CI) plan will provide financial support when you are diagnosed with any of the 36 critical illnesses most prevalent among Malaysians. It will be a lump sum payment based on the severity level of your ailment. For example, if you buy a CI plan with sum assured of RM200,000, 50% of that amount (or RM100,000 in this case) will be payable if you are diagnosed with early stage cancer.

On the other hand, if you are diagnosed for it at a later stage of the illness, you will receive 100% of the sum assured. Because the money goes straight to you (the policyholder) you can spend it on anything at all – that would include buying yourself a holiday or a brand new sports car, but of course, the most sensible thing to do is to use the money to pay for required
medical treatment and daily expenses.

But isn’t that the same thing as a Medical Card? The answer is no. Unlike a CI policy, your Medical Card is an insurance plan that will only pay for the cost of your medical treatment and surgery at selected panel hospitals. These expenses are paid directly by your insurer to
the hospital, not to you. If you pay for your medical bills first, you will be able to claim from the insurance company at a later date.

What illnesses should Malaysians be most worried about?

It is about time we lay down some hard-hitting facts and figures. We Malaysians are very generous with our sugar, from our colourful
kuih
 to our super sweet
teh tarik
, so there’s no wonder that we are the top
Asean country with the most diabetics
. A 2018 estimate pegged the number of adults in Malaysia with diabetes at 2.5 million – and that as many as half of them do not even know they have diabetes!

Alarming still are adults with high cholesterol, affecting more than 6 million men, women, and even children nationwide. Other high frequency non-communicable diseases (NCD) or more commonly known as chronic diseases include high blood pressure, obesity, stroke, and other heart diseases. All these and more are covered by a Critical Illness Insurance.

Below are some of the most common chronic diseases in Malaysia:

Critical Illness

Description

1. Coronary Heart Disease

Data by the World Health Organisation shows that coronary heart disease was the cause behind 22.13% of total deaths in Malaysia in 2017.

2. Stroke

Stroke is also one of the leading causes of death in Malaysia. It occurs when an artery leading to the brain is blocked or bursts.

3. Cancer

According to the National Cancer Registry report, it is estimated that 1 in every 10 males and 1 in every 9 females will develop cancer.

4. Kidney Failure

In 2017, it was estimated that between 2-3 million Malaysians suffer from chronic kidney disease. It strikes nine out of every 100 Malaysians.

Typically, if you are diagnosed with a critical illness in its early stages, or below a certain severity level, you may not be able to make a claim at all. Also, traditional CI policies will end after a single claim is made. Fortunately, there are some insurance companies that have started to provide coverage for early diagnosis, including the allowance for multiple claims for recurring illnesses such as the
Great Eastern Early Living Care
 and the
Manulife Cover Me Again
.

How much am I paying to be insured for Critical Illness?

A better question would be, “How much can you afford to be insured for?” The amount you want to be assured for, or sum assured as it is often called, hinges entirely on your own budget and needs. The first thing to get down is calculating all the direct costs that you and your family would have to bear, and for how long.

Being unable to work, losing out on paid employment, and constantly commuting between your home and the hospital for daily treatment and medical check-ups is nobody’s idea of living a normal life. You will need some sort of financial support to replace your monthly income and adjust to your new lifestyle.

Here’s an example:

Diana earns RM96,000 a year, so the ideal amount to be insured for is at least three times her annual income, or around RM300,000. Depending on the insurer, her annual premium would generally not exceed 10% of her annual income. Remember, premiums will also depend on your gender, occupation, health condition, and your status as a smoker or non-smoker.

Why three times her annual salary? It’s not as random as you think. Let’s say that Diana were to suffer from cancer or fall into a coma for a prolonged period, being insured for three years worth of income would be ample time for her family to regain their footing and reshuffle their finances to adjust to drastic life changes.

It is worth the money

Now that you’re still young and fit, with a great family health record to boot, it’s hard to see yourself bed-ridden in the hospital with a severe illness. But the older you are, the less in control of your body you become – how will you be ready for that eventuality?

If you think you and your family don’t have enough savings to fall back on, a
Critical Illness Insurance
 can fill in the gaps. But remember, a good insurance plan is one that you can afford to pay. If you have the extra cash, take up an Investment-linked CI policy, where you invest a portion of your premiums in a fund of your choice to help build your financial egg nest for retirement.

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How Do You Know if Your Credit Card Rewards Are Worth It?

Credit cards all offer different things in different configurations and figuring out the best ones can be taxing. So to help you out, we thought it would be good to share with you the things you should look out for when shopping around for one.

The Rewards Match Your Spending Pattern

A card with plenty of travel perks that can earn you thousands of air miles won’t come in very handy if you’re not the kind to travel that much. Similarly, a card that rewards you for shopping a lot won’t help you if you rarely visit the mall.

Knowing your own spending habits and finding a card that rewards them is therefore super important. Do a quick scan of your monthly expenses and compare it to how you’ll earn your
rewards on credit cards
. If it matches well, then that’s the card for you.

The Rewards Are Flexible

Earning plenty of rewards is useless if you can’t use them how you want to. Pay special attention to how the rewards can be used and what you can spend them on and see if they match what you want.

A good rewards card will allow you to use your rewards in a lot of different ways.
Citi Rewards Visa Signature Card
 for example allows you to use your points to shop at Amazon.com, pay directly for purchases or airmiles, and even to offset your past purchases.

You Can Gain Rewards in Many Different Ways

While it’s good if the things you’ll be spending on match your existing swiping pattern, it’s a bonus if you also get rewarded for spending you might not do too often.

Ideally, you should look for a card that rewards you in multiple ways. Citi Rewards Visa Signature Card for example, gives you 5x reward points for spending at major departmental stores, regular supermarkets, and even overseas spending.

They Don’t Expire Too Soon

Earning plenty of points only to have them expire is a waste of swiping and can definitely sour your experience with a rewards card.

The best way to avoid this problem is to go for a card that doesn’t expire, like the Citi Rewards Visa Signature Card. This way you get to redeem merchandise, air miles, hotel stays, and all the good stuff rewards can give you without having to worry about them losing value over time.

The Best Rewards Credit Card Out Right Now

So if you’re looking for a good rewards card, these are the important criteria that you should pay close attention to. For our money, right now we recommend checking out Citi Rewards Visa Signature Card.

You get accelerated 5x reward points for shopping at major departmental stores and supermarkets, complimentary unlimited access to the Plaza Premium Lounge in KLIA and 5x reward points for overseas spend. The points never expire. You can shop or redeem the things you love using your points instead of cash.

You can find out more about what the card can offer you and the many different rewards you can get from it by visiting their official website! Ringgit Plus offers a tablet with iflix and agoda voucher
when you apply through us before 20th July 2018
. Terms and conditions apply.

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Indulge at Garibar and Garibaldi with your American Express Card

Treat yourself or mum and dad to some trendy dining and unwinding at Garibar and Garibaldi with exclusive discounts courtesy of your American Express. Here’s some of the perks you can enjoy with a swipe:

·         15% savings on set menu and a free children’s meal for children below 1 metre in height on Mother’s Day and Father’s Day. Limited to 1 child per adult set. Offer valid on 13 May and 16 June 2013 only.

·         20% savings on food bill at Garibar and Garibaldi. Offer valid from now til 30 December 2013 and not applicable to set menus.

For reservations and more information, check out the
American Express rewards catalogue.

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Jaringan Prihatin Programme: Key Things To Note

(Image: Bernama)

Prime Minister Tan Sri Muhyiddin Yassin has officially launched the Jaringan Prihatin Programme today, aimed at bridging the digital gap among the B40 income group. It sees a total budget allocation of RM3.5 billion – shared between the government and local telcos – and is expected to benefit approximately 8.5 million people from the targeted group.

First announced during the
tabling of Budget 2021
, the Jaringan Prihatin Programme originally enabled B40 individuals to receive a financial aid of RM180 for the purchase of new phones or telco credit and broadband internet plans. It was also initially slated to take place starting from March 2021. However, the government eventually announced some
revisions to the programme
 during the reveal of the subsequent PEMERKASA stimulus package. It increased the financial aid from RM180 to RM300 for households with school-going children, and delayed the launch of the programme from March 2021 to May 2021.

Here are some things to know about the Jaringan Prihatin Programme!

Jaringan Prihatin Programme: The Essentials

The
Jaringan Prihatin Programme
 is available for those who are eligible for the Bantuan Prihatin Rakyat (BPR) financial aid. It allows them to opt for either of two subsidy packages: a device subsidy or a monthly data plan subsidy. Here’s a quick summary of what’s on offer:

BPR recipients

Subsidy packages

Single or married without children under the age of 18

Device package offering RM180 subsidy for the purchase of mobile devices/phones (to be paid in full)

Monthly rebate of RM15 for your data plan needs for 12 months

Single parent, or married with children under the age of 18

Device package offering RM300 subsidy for the purchase of mobile devices/phones (to be paid in full)

Monthly rebate of RM15 for your data plan needs for 12 months

On top of that, the recipients will also be able to claim 2GB of free data on a daily basis, which has a validity of one hour once redeemed.

Eligible individuals can already begin registering for the Jaringan Prihatin programme with their respective telco companies, with the closing date for registrations set on 31 July 2021. The programme itself will run from today until 31 July 2022. You can check if you are eligible to apply via the
BPR website
.

Jaringan Prihatin Programme: Telco Packages

(Image: Bernama)

According to the government, as many as 12 telecommunication companies have stepped up to assist the B40 group via the Jaringan Prihatin Programme, including Maxis, Digi, Celcom, YES, and U Mobile. Each telco will have a different redemption process, which you’ll have to find out through your respective service provider. Here are several:

Maxis

Maxis has packaged the Jaringan Prihatin Programme benefits according to the following bundles for its Hotlink and Maxis customers:

To redeem the credit or bill subsidy offers, you will need to first download either the Hotlink or Maxis self-care app and register yourself with the Jaringan Prihatin Programme. Once done, go ahead and claim your subsidy through the app.

Meanwhile, if you’re opting for the device subsidy, you’ll need to register your interest on
the website here
. Depending on whether you fall under Category 1 or Category 2, you’ll be offered different phones that you can purchase, each of which comes with a 12-month or 24-month contract tied to Hotlink’s Postpaid 60 plan.

Digi

Digi’s Jaringan Prihatin packages also cater to its prepaid and postpaid customers, offering both credit and device subsidies to eligible recipients. Note, however, that it does not provide the device subsidy for households without children (worth RM180). The Jaringan Prihatin packages offered by Digi are as follows:

Credit subsidy package

Device subsidy package

Prepaid customers

– Digi Prepaid NEXT 35 (RM15 rebate x 12 months)

– Free 2GB 1 hour everyday

– Prihatin 35 Prepaid Bundle

– Free 2GB 1 hour everyday

Postpaid customers

– Digi Postpaid 60 (RM15 rebate x 12 months)

– Free 2GB 1 hour everyday

– Prihatin 40 Postpaid Bundle

– Free 2GB 1 hour everyday

You can claim these offers through Digi’s
website
 or mobile app. Note that for the Prihatin 35 Prepaid Bundle (device subsidy package), you will need to provide an upfront payment of three months, and only one phone is on offer: Samsung Galaxy A02. Meanwhile, the Prihatin 40 Postpaid Bundle (device subsidy package) offers more choices in terms of the phones that you can choose from, but there will be a 12-month contract.

Celcom

Celcom
 has prepared a total of five credit subsidy packages under the Jaringan Prihatin Programme for its prepaid customers, offering varying amounts of mobile data and perks. These include free data for YouTube streaming (between 1pm to 7am) and free data for Walla. The prepaid packages on offer are as shown here:

Meanwhile, postpaid customers can choose between the credit subsidy or device subsidy. Eligible households with children will be allowed to redeem either a rebate of RM300 for the purchase of a new phone or a monthly rebate of RM25 over 12 months with a new phone included. As for individuals without children, they will get a rebate of RM180 to purchase a new phone, or a monthly rebate of RM15 over 12 months – but without a new phone included.

But that’s not all; on top of these offers, Celcom is also providing an additional deal where you can get an extra RM60 rebate if you subscribe to its XP Lite plans (Pas M or L).

You can redeem Celcom’s offers through a variety of channels, including the Celcom Life app, Bluecube, Celcom online shop, Celcom certified partners, and Celcom account managers.

YES

YES has come up with two plans for the Jaringan Prihatin Programme, namely the YES PRIHATIN Learn-From-Home Families plan and the YES PRIHATIN Learn-From-Home Individuals plan. Both plans provide subscribers with a free smartphone, free data, and free access to YTL Foundation’s Learn-From-Home content for a year. On top of that, you’ll also receive a bonus RM50 Shopee voucher to shop for essentials. Here are more details of both plans:

YES PRIHATIN Learn-From-Home Families

YES PRIHATIN Learn-From-Home Individuals

– Free YES smartphone

– Free 30GB data per month for one year

– Free access to learning content on FrogAsia mobile app for a year

– RM50 Shopee voucher

– Free YES smartphone

– Free 15GB data per month for one year

– Free access to learning content on FrogAsia mobile app for a year

– RM50 Shopee voucher

You can redeem these offers on the
YES website
 or the MyYes mobile app.

U Mobile

Eligible U Mobile’s prepaid and postpaid customers
 can both redeem a credit subsidy of RM15 per month (for 12 months), provided they are subscribed to prepaid plans priced at RM30 and above or postpaid plans priced at RM50 and above.

Alternatively, you can also go for the device subsidy to purchase a new phone with either an RM180 or RM300 rebate (depending on your eligibility criteria). If you’re a prepaid customer, you’ll have to be subscribed to the Giler Unlimited Prepaid GX38 plan to tap into this subsidy, whereas postpaid customers must sign up for the Giler Unlimited Postpaid GX50 or GX68 plans. Do note that although upfront payments will be collected during the registration of your phone plan, it will subsequently be rebated via monthly discounts over a period of 10 or 12 months, depending on your plan.

To redeem any of these offers, you can head on over to
U Mobile’s website
 to register. You can also do so via the telco’s
Self-Care page
 or the MyUMobile mobile app.

***

Aside from these five telcos, other service providers that are also involved in the Jaringan Prihatin Programme include Mcalls, redONE, speakOUT, Tune Talk, unifi Mobile, XOX Mobile, and Yoodo. If you’re subscribed to any of these other telcos, make sure to check in with them on how you should go about registering yourself for the programme or redeeming the available offers. Most will also have FAQs to answer any other questions that you have.

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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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    Sakinah Anwar

    2 years ago

I don’t understand why 2GB given only for one hour. Is this a joke?

2

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    Cal

    2 years ago

I also don’t understand why this 2GB is only valid for one hour! Such a joke. It’s like giving charity rice but to say oh no you can only eat it only if within this hour…. every day. And it’s supposed to encourage online business? What a joke…

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BigPay Rolls Out Cash Pickup Service For Recipients In Indonesia, Philippines

BigPay has rolled out Cash Pickup, its new remittance service that allows recipients of money transfers to collect the remitted amount in cash from a physical pick-up location. This means that BigPay users can now transfer money to individuals who do not have a bank account.

The new feature is currently available to all BigPay users in Malaysia and Singapore who are transferring money to recipients in Indonesia and the Philippines. In total, there are more than 14,000 cash pick-up locations across both Indonesia and the Philippines.

Specifically, recipients in Indonesia can collect their money from BigPay’s cash pickup partner, POS Indonesia/Wesel Pos. Meanwhile, those in the Philippines can collect theirs from BDO, M Lhuillier, Cebuana Lhuillier, LBC Express, SM Counters, Palawan Pawnshop, BPI, Metrobank, or RD Cash Padala.

If you wish to send money to recipients in Indonesia or the Philippines through the Cash Pickup feature, go ahead and launch your BigPay app, then tap on “Payments”. From there, select “International Transfer”, and key in the amount that you would like to transfer. Next, select the “Cash Pickup” option for either Indonesia or the Philippines. You will then need to input the recipient particulars and complete the transaction.

Once done, you must share the Cash Pickup transaction details (including the payout code and payout PIN) with the intended recipient; this is extremely important as they will need these details – along with a valid ID document – to collect their money at their preferred location. Recipients in Indonesia can receive the cash within just five minutes, while it will take up to 15 minutes for those in the Philippines.

In launching the new Cash Pickup feature, BigPay said that remittances are mostly conducted through banks, which can be a challenge for those without a bank account. As such, it seeks to bridge the technology gap and help people access their money without the need for a bank account.

“At BigPay, we believe in a financially borderless world where everyone has equitable access to the products they need. As we expand our remittance pillar within BigPay, Cash Pickup services are a natural fit to further our mission,” said Salim Dhanani, the chief executive officer and co-founder of BigPay.

(Sources:
BigPay
,
FintechNews Malaysia
)

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Spend-n-win a BMW Z4 with Citibank credit cards

Citibank is offering the 300 units of the latest Samsung

Galaxy S4 and a BMW Z4 in its latest spend-n-win competition.

To qualify eligible credit card members will first have to

register their interest either on the
Citibank

contest website
 or via SMS. Once that’s done simply spend on any Citibank

credit card to accumulate entries for a chance to win one of the hottest

smartphones available as well as the ultimate prize of a BMW Z4.

This contest will run from 23 June till 30 September 2013. Entries

will be calculated based on the cumulative amount spent throughout the contest

period. For every RM100 spent, one entry will be awarded to be in the running

for the Samsung Galaxy S4. Whereas for every RM1000 spent, one entry will be

considered for the grand prize BMW Z4. Each Citibank credit card member is

eligible to win one Galaxy S4 once only throughout the campaign period. A card

member who has won a Galaxy S4 is eligible to win the grand prize BMW Z4 as

well.

Citibank credit card members will also be able to earn extra

entries by applying for other Citibank products and services or via successful

referrals. Please click
HERE
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UOB GetBanker App Matches Property Buyers With UOB Mortgage Specialists

Inspired by ride-hailing apps, UOB Malaysia has launched a new mobile app that helps match property buyers with UOB’s team of mortgage specialists and help streamline the property buying process. The UOB GetBanker app is another effort by UOB to utilise technology to improve its customer experience and make it easier and smarter.

By using the new mobile app, property buyers or agents will be able to search for a specific mortgage banker based on residential or commercial properties, location, and price. Besides the app’s core feature of matching property buyers with property agents, it also includes a number of commonly-used features. Users can find the latest interest rates for residential and commercial loans directly from the app, while the loan calculator allows users to estimate the monthly loan repayments. Finally, the app will match you with the mortgage specialist on the day itself (during office hours), allow you to rate the specialist on their services, and also add them as a favourite for future use.

“As a bank with a sizeable residential mortgage loan portfolio, we know that homebuyers, especially first-time homebuyers will sometimes feel overwhelmed by the property purchasing transaction. Mortgage bankers with the relevant expertise and training will be assigned to advise homebuyers through the GetBanker app,” UOB Malaysia Managing Director and Country Head of Personal Financial Services, Ronnie Lim said.

The government recently introduced incentives for first-time homeowners and a good supply of houses that are priced between RM400,000 to RM600,000 will encourage more Malaysians to join the property market. Property agents and buyers will have access to more than 290 residential and commercial mortgage specialists across UOB’s network nationwide.

UOB Malaysia Executive Director and Country Head of Business Banking, Raymond Chui added that the new mobile app will also enable small-and-medium-sized enterprises (SMEs) to access commercial property lending facilities quickly and efficiently.

The launch of the app is timely, as UOB expects more new homebuyers to enter the housing market within the next few years. The UOB GetBanker app is available on both
Google Play
 and the
Apple App Store
.

(Source:
The Edge Markets
)

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UOB

UOB GetBanker

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Olivia Song

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