The New Limited Edition OCBC 90°N Visa Card Lights Up When You Pay

In the vast landscape of credit cards available today, finding a suitable one that fits your criteria can be a daunting task. Whether you’re searching for a Cashback credit card or a Rewards-based credit card, every card boasts a unique set of benefits and features, making the decision-making process a challenging journey.
For those with a keen passion for exploring new horizons, travel cards are an enticing avenue to consider. Amidst the multitude of choices, the new OCBC 90°N Visa Card is a noteworthy option for travellers planning their future travels.

Save Up For Future Travels With Travel$

What sets the OCBC 90°N Visa Card apart is its innovative Travel$ points system, designed with the globetrotter in mind. This system allows customers to accumulate Travel$ when they spend on their daily expenses, with the ability to earn higher Travel$ when making overseas transactions. In return, Travel$ can be redeemed as cashback on any spending charged to your OCBC 90°N Visa Card. Not only does your daily spending contribute to your travel fund, but your international escapades will also fuel your potential savings even more.
The best part? There’s no rigid box confining your redemption options. The redemption of Travel$ is not restricted to travel-related purchases like hotels, air miles, or vouchers. You’ll have the freedom to redeem your Travel$ as cashback on any spending charged to your OCBC 90°N Visa Card and save towards a lavish dining experience, a shopping spree, or even a spontaneous excursion, and more.

With customer convenience at the forefront, OCBC makes it simple to keep track of your Travel$ by providing an overview of your balance and redemption process via OCBC Internet Banking and the OCBC Malaysia Mobile Banking app. You will be able to have immediate access to your accumulated Travel$, ensuring you are always in control of your potential travel savings.

Complimentary 2x Access to KLIA & KLIA2 Plaza Premium Lounge For You & Your Accompanying Guest

For travellers, a journey isn’t just about the destination; it’s also about sharing the experience along the way. The OCBC 90°N Visa Card elevates your pre-flight experience by offering you 2x complimentary access to the Plaza Premium Lounge at KLIA and KLIA2 in the first year, where you may share with an accompanying guest, as opposed to being restricted to the cardholder alone.
You and your guest can indulge in a tranquil oasis before takeoff, with premium amenities and services that prepare for the adventures ahead. Relax with comfortable sofa seating, charging stations, complimentary Wi-Fi, freshly prepared hot meals, a wide selection of beverage options, and even shower facilities while waiting for your next flight.

Up to RM1mil Travel Personal Accident Insurance Benefits

In recognition of the unforeseen challenges that can arise during travel, the OCBC 90°N Visa Card extends its umbrella of protection. With travel personal accident insurance benefits of up to RM1 million when you purchase air tickets with OCBC 90°N Visa Card, you can journey with peace of mind. This coverage ensures that you and your loved ones are safeguarded against life’s uncertainties on your travels.
These personal accident insurance benefits include:

Benefits
Coverage
Death,
if occurring within 100 days after the accident.
RM1,000,000
Permanent disablement,
specified below, if occurring within 100 days after the date of the accident:
(a) Total and incurable paralysis or insanity or injuries resulting in the Insured Person being permanently bedridden
(b) Loss of two limbs
(c) Loss of sight in both eyes
(d) Loss of one limb and sight of one eye
(e) Permanent Total Disablement (other than above)
RM1,000,000
(f) Loss of one limb
(g) Loss of sight in one eye
RM500,000

Exciting Rewards For New OCBC90°N Visa Card Cardmembers

The first 3,000 first-time OCBC Credit Cardholders from 7
th
 August 2023 onwards are in for a treat with a limited edition LED version of the OCBC 90°N Visa Card. The card lights up with every contactless payment, making your daily financial transactions a visually stimulating experience.
In addition, enticing rewards await first-time OCBC Credit Cardholders as part of the OCBC Time to Travel Campaign. Spend RM1,500 within 60 days of card approval and unlock a trove of treasures worth up to RM300*. Enjoy a Welcome Bonus Campaign of 50,000 Travel$ (worth RM100), a 50% off Klook voucher (capped at RM100), and an RM100 GrabGifts Voucher, which will come in handy on your future travels.
*Terms and conditions apply.

***

For those seeking a gateway to remarkable journeys, the OCBC 90°N Visa Card makes for a great credit card companion that you can consider taking with you, thanks to its innovative Travel$ points system, inclusive lounge access, travel insurance benefits, and enticing welcome rewards.
Apply for the OCBC 90°N Visa Card today and step through the doorway to greater travels. For more information, click
here
.

*This campaign is only open to first-time OCBC Credit Card customers and those who have not held any OCBC Credit Cards in the last 12 months. Additionally, the rewards are capped to the first 150 successful eligible card members per month who meet the criteria.

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Eloise Lau

Eloise Lau

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Samsung’s 2021 Smart TVs Coming To Malaysia In April

Samsung is starting strong this year, with quick-firing launches of its Galaxy S21 series alongside its brand new lineup of smart TVs, which will be coming to Malaysia as early as April.

This year, Samsung is introducing brand new technologies as it attempts to gain further market share in an increasingly competitive TV market. As the new normal sees more families spending time at home, the living room space is turning into a battleground between Samsung, Sony, LG, and even smaller outfits like TCL to claim a spot.

Headlining this year’s focus is a goal towards long-term sustainability. On top of reducing carbon footprint and increasing energy efficiency at the manufacturing level, it is also embarking on a new sustainable packaging design that minimalises text and graphic imagery and encouraging upcycling activities with the Eco-packaging.

On top of that, all 2021 Samsung TVs will be equipped with a Solar Cell Remote Control that not only uses a rechargeable battery, it is also made from 24% recycled plastic. These remote controls, which can recharge by indoor light, outdoor light, and USB, are projected to save a staggering 99 million AAA batteries over seven years.

As for the TVs themselves, Samsung is stamping its prowess with new technologies that should interest anyone looking to upgrade their TVs this year, thanks to the introduction of two technological innovations that are slowly entering the mainstream market: Mini LED and Micro LED.

Samsung Neo QLED (2021)

Samsung Neo QLED (2021)

The Mini LED TVs from Samsung will form the Neo QLED 8K and 4K TV series, packaged in a new Infinity One Design with near bezel-less screens for better immersive experiences. The Quantum Mini LEDs are 1/40 the height of a standard LED, allowing Samsung to fit more LEDs in the same space, eliminating a lighting phenomenon called “blooming” – the result is more accurate colours, where dark areas are darker and bright spots are brighter, which naturally lends to better high dynamic range (HDR) performance.

Meanwhile, the new MICRO LED line will be Samsung’s first foray into the groundbreaking new display technology for the consumer segment. This new tech uses extremely tiny self-illuminating LEDs (measured at the micrometer level), allowing Samsung to fit a previously-impossible 24 million LEDs for OLED-level colour reproduction and overcoming the peak brightness and durability issues of OLED panels. Further enhancing the experience is the new Monolith Design and its incredible 99% screen-to-body ratio. Screen sizes will max out at a titanic 110 inches, with smaller sizes to come later in the year.

Samsung MICRO LED TV (2021)

Samsung The Frame (2021)

Finally, Samsung’s Lifestyle TV range will also be refreshed, sporting thinner bodies for The Frame, The Sero, The Serif, The Terrace, and The Premiere models. In particular, The Frame will see more customisation options as well as the introduction of the new Art Store, which displays curated artwork from a selection of 1,400 art pieces when you are not using the TV.

The 2021 Samsung Smart TV range is expected to make its way to Malaysia sometime in April this year. Pricing, availability, and screen size options will all be announced at the local launch.

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Pang Tun Yau

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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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Pos Malaysia Launches Malaysia’s First NFT Stamps

In celebration of Malaysia’s National Day and upcoming Malaysia Day, Pos Malaysia has released its first set of non-fungible token (NFT) stamps, which can be redeemed with the purchase of a special edition stamp folder set dubbed #Empatbelas Setem Ku. This makes the local postal service provider the second in Southeast Asia to do so, after Thailand Post.

According to Pos Malaysia, the various stamps – which were produced in collaboration with local retail brand APOM – sought to represent the uniqueness and culture of each state in Malaysia. Customers who purchase the #Empatbelas Setem Ku stamp folder set will receive the following items:

A physical stamp sheet of 14 stamps

One NFT stamp (choose from the 14 stamp designs available)

Three envelopes

Three postcards

Specially designed folder

Each stamp folder set is priced at RM59.00, with only a total of 3,000 units available for sale. You can purchase them either online via
Pos Malaysia’s website
, or at all General Post offices and selected post offices nationwide.

Upon purchasing the #Empatbelas Setem Ku stamp folder set, you’ll have until 31 October 2022 to redeem your NFT stamp. Before you can do that, however, make sure to set up a MetaMask crypto wallet first as your NFT stamp will be transferred to this wallet (here’s a guide on
how to set up your MetaMask crypto wallet
).

Once your MetaMask crypto wallet is ready, obtain your unique security number by scratching off the yellow sticker at the back of your #Empatbelas Setem Ku folder. You’ll need it in order to fill in the
redemption form
, as well as to select your preferred NFT stamp. Once you’ve submitted the form, your NFT stamp will be transferred to your MetaMask wallet within five working days.

Do also note that each NFT stamp is limited in number as well; every NFT stamp only has 220 editions/units. So if you have a particular design that you like, do hurry and claim it! You can check out all the available designs here on
Pos Malaysia’s dedicated page
.

“Penetrating the NFT market is a significant milestone for Pos Malaysia, as we complement our traditional postal offerings with various digitised services and products, enhancing efficiency and improving the way we connect with customers in the rapidly evolving and digitally enhanced world,” said the group chief executive officer of Pos Malaysia, Charles Brewer.

Meanwhile, the co-founder of APOM, Chantelle Teoh said that #Empatbelas is the brand’s annual Merdeka-Malaysia Day collaboration project. She also highlighted that this year’s collaboration with Pos Malaysia allowed 14 artists to showcase their creativity and pride for their states on not just physical stamps, but also NFT stamps – which transcend globally beyond the philatelic community.

Aside from Pos Malaysia and
Thailand Post
, several other postal service providers across the world have also initiated similar NFT initiatives. These include
Austrian Post
 (Austria),
Swiss Post
 (Switzerland),
Emirates Post Group
 (UAE), and
PostNL
 (Netherlands).

(Source: Pos Malaysia [
1
,
2
])

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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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Assessment Fee Hike for Kuala Lumpur Confirmed

Despite protests from KL-ites and MPs alike, Kuala Lumpur City Hall has confirmed that assessment fees will go up next year. The new rates will be seen in landowner’s bills next year and are said to be due to a revision of the value of the land and not a revision of rates per se. As
reported by the Malaysian Insider
, Kuala Lumpur mayor Datuk Seri Ahmad Phesal Talib said:

“The increase is not because there will be an increase in the rate but because of the revaluation of property that we are doing,” he said.

But the distinction offers little consolation to landowners in the city who will have to pay nearly double what they used to. Yet, the mayor is quick to add that people are still welcome to express their dissatisfaction up until December 17, 2013. In a report by KiniBiz, he explained:

“After receiving all written objections on December 17, we could reconsider the quantum of the assessment with our panel of advisers. “This could mean either the lowering of the valuation of the property or the rates to ease the burden of homeowners,”

He also stressed that the change will benefit landowners as well as it would mean their properties were worth more.

“This actually benefits the property owners. Our decision will be a win-win decision for both owners and City Hall,” said Tengku Adnan.

Yet this win-win situation will mean you pay more but the council will earn an
extra RM400million a yea
r in revenue.

Tengku Adnan said City Hall had hoped to raise an extra RM400 million a year in revenue from the increased assessment rates as it needed money to upgrade roads, markets and other infrastructure.

Somehow, it doesn’t seem much like ‘winning’ for one side.

The mayor also divulged that 2500 complaints had been received to date and that there may be a sliver of possibility that the 6% rate is reduced. Looks like more KL folk are going to have to survive on ten ringgit a day.

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Celcom Connects Businesses & Spreads Joy With Free Phones & RM500K Worth of Groceries Giveaway

With businesses shifting their operations online in response to the ongoing Covid-19 effects, it is now more important than ever to have reliable devices and Internet connectivity to stay connected. This is even more so given that working remotely could potentially be a long-term practice in the new normal, especially for corporate companies.

To help Malaysians cope with the changing work environment, Celcom Business has come up with its
100,000 FREE Phones
 initiative, offering 100,000 free phones to fellow Malaysians!
Happening now until 31 July 2020
, you will be entitled to receive a free phone when you sign up for Celcom’s
100,000 FREE Phones
 with its MEGA™ for Business Lightning plan, enabling Malaysians to stay connected at work or at home with a new phone and lightning-speed Internet connectivity.

Catering to different business needs, you can choose from MEGA™ Lightning M (RM98), MEGA™ Lightning L (RM148), or MEGA™ Lightning XL (RM188), depending on what your work requires. Upon successful sign up, you will receive your new phone from among popular brands such as Huawei, Samsung, OPPO and more.

Stand A Chance To Win RM500,000 Worth Of Groceries Giveaway!

Besides ensuring that you stay connected at work, Celcom has got your household essentials covered too. In addition to the 100,000 FREE Phones initiative, all new MEGA™ for Business Lightning plan subscribers will also be in the running to win up to RM500,000 worth of groceries! And the best part? All entries are automatic upon successful sign up!

How Do You Know If You’re Eligible?

So how would you know if you’re eligible to receive a free phone from Celcom and be in the running to win a generous groceries giveaway?

Well, as its name suggests, Celcom MEGA™ for Business Lightning plan caters for business purposes. Hence, it is a prerequisite that you have to be a corporate employee to enjoy a free phone and the possibility of free groceries. Apart from that, this offer is open for both new registrations and also existing customers who are looking to switch from their current plan to a Celcom MEGA™ for Business Lightning plan.

If you’re interested, you only have less than a month to participate! So hurry, and don’t forget to visit
Celcom’s official website
for more info!

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Get A UOB Credit Card And You Could Drive Away In A Porsche Cayenne

Already Got A UOB Credit Card – You’re Still In To Win A Porsche Cayenne

I think I speak for everyone in the RinggitPlus.com Team when I say we’ve always wanted a Porsche. And as for the Cayenne, well, who wouldn’t want to blast down the highway in the most stylish 4×4 on the market.

So, it’s a really good thing that
UOB are giving away a Porsche Cayenne
 to one lucky UOB credit card holder. Which one? Who knows, but it could be you.

To stand a chance to win the Porsche Cayenne all you need to do is use your UOB credit card. Every RM50 and above spent on a single receipt is one entry into the competition; every successful Balance Transfer or Flexi Credit Card Plan of RM1,000 or above  is another entry to the competition; every RM50 or above spent overseas on a single receipt is 10 entries to the competition; and, if you haven’t got a UOB credit card yet – hey, once you’ve successfully applied you’ll get 10 entries to the competition.

No SMS registration is required
. Eligible cards are the UOB Preferred Platinum, UOB Lady’s Card and UOB One Card.

You should
apply now.

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Setel Introduces Deliver2Me Service And In-Store Cashless Payment For Mesra Outlets

Just shortly after introducing the new
CardTerus function
, Petronas-backed Setel is back with another two new features in its mobile app to expand its services beyond fuel purchases.

The new Deliver2Me feature allows users to purchase and receive selected products from Mesra stores in the comfort of their vehicles when visiting a Petronas station. On top of that, Setel has also enabled the ability for users to make cashless payments with their Setel e-wallet when buying items within Mesra stores.

Setel Deliver2Me

The Deliver2Me feature lets you purchase selected items from participating Mesra stores and have it delivered directly to your vehicle while you are refuelling. This service is targeted at those who are frequently on the go, and it is also convenient for customers with children in the car.

The new service will pop up as a part of your Setel fuel payment process; after selecting your fuel amount on the Setel app as usual, you’ll have the option to make purchases via Deliver2Me. While checking out, do key in your vehicle plate number so that the items can be delivered to you while you refuel. Note that payment for these purchases are made through the Setel e-wallet, and that this service is only available from 8am to 8pm daily.

At present, the Deliver2Me service only features limited items, and is available at six selected Petronas stations, namely:

Taman Tun Dr Ismail (Kuala Lumpur)

Sungai Buloh Layby (Sungai Buloh)

Mutiara Damansara (Petaling Jaya)

USJ20 (UEP Subang Jaya)

Bukit Antarabangsa (Ampang)

Jalan Kolam Ayer Lama (Ampang)

The feature will be rolled out to other branches nationwide soon, starting from the first quarter of 2021.

Cashless payments via the Setel e-wallet in Mesra stores

Users who purchase their items within Mesra stores can now also use their Setel e-wallet for a seamless, cashless, and card-less payment process. In addition to that, your Mesra points will be automatically collected in your Setel app, and you can also perform points redemption directly through it.

Note, though, that this feature is only applicable for in-store purchases at Mesra stores. Setel users who are making in-store purchases and refuelling at the same time will not be able to use the Setel e-wallet to pay for both at the counter. The fuel must still be purchased separately via the Setel app as per usual.

To use the Setel e-wallet for your purchases in Mesra stores, click on “Payments”, followed by “Pay”. Your Setel barcode will be generated for payment. This feature is currently supported at over 800 participating Mesra stores across Malaysia, with more to come soon.

***

Following
an expansion exercise
 early this year, Setel is now available at more than 900 Petronas stations nationwide to provide users with a
seamless payment experience
. You can find out more about the new
Deliver2Me feature
 and how you can use the
Setel e-wallet for cashless payments in Mesra stores
 on Setel’s website.

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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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Introducing The Latest Orient Star Mechanical Sports Watch

Established in 1950 in Japan, Orient has been single-mindedly pursuing one goal for more than half a century: the creation of high-quality, attainable watches with enduring style. With its heritage rooted in craftsmanship, reliability, precision, and beauty that stands the test of time, Orient has acquired a reputation for drawing exquisite style without compromising on the intricacies of meticulous timekeeping. Its quality is clearly exhibited through its two collections: Orient and Orient Star.

Ultimately, the Orient Star RE-AU0201E is a show of casual elegance that flaunts a high level of finish and quality, suitable for connoisseurs who are looking for something for their adventures outside of the office. Priced at RM3,400, the timepiece is available at Solar Time retail shops.

RinggitPlus readers can also take advantage of our exclusive 20% discount voucher for purchases of Orient and Orient Star watches. All you need to do to be entitled for the offer is to subscribe to our
newsletter
.

To find out more about the Orient Star RE-AU0201E and any accompanying promotions, you can visit
Solar Time
.

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Lim Guan Eng Shares Details About Upcoming Budget 2020's Goals

(Image:
The Sun Daily
)

Budget 2020 will focus on Malaysia’s target to become a developed nation through high-quality growth that includes all segment of the society, said Finance Minister Lim Guan Eng at the 2020 Budget Consultation Session.

Budget 2020 will be themed “Shared Prosperity: Sustainable And Inclusive Growth Towards High Income Economy” and is scheduled to be tabled in Parliament on 11 October. According to Guan Eng, the inclusive growth will cover adequate medical care, good education, a useful and remunerative job, a decent home, and freedom from unfair competition and monopolies.

The government is designing a Cost of Living Index to determine the minimum living cost needed to sustain a comfortable life. This index will be different from the existing Consumer Price Index (CPI) that is used to track the price changes in consumer goods and services. Lim said, “This will help the government design a more precise policy in addressing living costs faced by Malaysians.”

Lim stressed the importance of wage growth being in line with the effort to manage living costs. “To have higher growth, the only sustainable way of doing so is to raise our productivity,” the Finance Minister said while recognising digitalisation of the economy as the way to go. Technology such as artificial intelligence, big data, and robotics will be given more attention.

Lim also talked about legacy issues such as 1MDB and how it has affected the economic growth of the country. “No country can lose RM150bil without being hurt from it,” he said. The government will continue to pay attention to fiscal consolidation to reduce the country’s debts in order to preserve its high credit ratings, he said.

(Source:
The Star
)

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Chinese Zodiac Sign Financial Predictions for 2016

As we draw the curtains close on the Year of the Goat, we embrace the arrival of the Year of the Monkey this coming Lunar New Year or better known to locals as, Chinese New Year.

Whether or not you believe in Chinese astrology; the predictions are always fun to read. But before we traverse into the celestial financial predictions for all the signs in the Chinese Zodiac, let’s go over some basics to make sure you’re a match with your animal!

It is a cycle of 12 iconic creatures in the animal kingdom (except the mystical dragon of course) and your sign would correspond to the animal in which the Lunar New Year begins and ends – not from the 1st of Jan each year.

Don’t worry if you had it mixed up from before because this writer spent an entire lifetime thinking he was a dragon, but in true fact he was a rabbit (I knew I loved carrots more than I naturally should!).

You’d probably only face this problem if you were born in January or February, so do get yours checked! Let’s now look at what 2016 holds in store for you from a financial vantage point.

Rat

Rats are expected to have an amazing financial year as the planets have aligned quite nicely and most of their efforts in money endeavours will almost surely yield profit.

Nothing seems to be stopping this Chinese Zodiac sign this year as even the toughest obstacles that stand in its way will be overcome easily through reliable financial ability.

The Year of the Monkey calls for Rats to pay down old loans and to always use a sensible budget to match expenses with income. Money flow appears to be smooth and minor setbacks will be taken care of with mere confidence.

Should any situation pop up, Rats must prioritise the needs of the family as well as himself through a reliable strategy that will most likely be of help rather than a letdown.

Birth Years:
 1924, 1936, 1948, 1960, 1972, 1984, 1996, 2008

Ox

The Ox is speculated to be at his financial intelligence and analytical skill peak in the month of August in 2016. The time leading up to August should be used to examine expenses and scale back on unnecessary spending as well as to draw up monetary goals in the process.

The last three months of the year will be the most challenging and require preparation in the form of the above. These expenses should be kept in close watch for the benefit of your family and associates.

The important point to remember in the Year of the Monkey is that all monetary issues impose great effects on your health; therefore keeping them in check is of utmost importance. It also helps shore up your confidence in the months ahead of trying financial times.

Birth Years:
 1925, 1937, 1949, 1961, 1973, 1985, 1997, 2009

Tiger

The Year of the Monkey urges the Tiger to steady his long term financial planning and expenses especially between May and October this year. He must pay very close attention to the unnecessary spending as they may be his downfall by the end of the year.

These spending include home renovation and travelling, both of which require loads of money to accomplish. Tigers must be diligent in separating the needs and wants to avoid strain on their monetary budgets for the year.

This period between May and October is pivotal for the Tiger as he is guided by the helping hand of Planet Mercury in efforts to clear the mist that clouds a promising financial year ahead.

Birth Years:
 1926, 1938, 1950, 1962, 1974, 1986, 1998, 2010

Rabbit

The first half of 2016 is a terrific time for Rabbits to capitalise on their savings by cutting out all frivolous spending. This period would also be a good time for Rabbits to make investments that are pivotal in shaping their financial stronghold.

Where work is concerned, Rabbits can expect a leap in salary during this profitable period. A Rabbit possesses strong financial skills and it should be used to make the best decisions in other monetary aspects too.

That said, businessmen should consider recovering old out-standing debts and use this opportunity to venture into new areas to diversify earnings. Through a robust business attitude, Rabbits are sure to make the most out of the Year of the Monkey.

Birth Years:
 1927, 1939, 1951, 1963, 1975, 1987, 1999, 2011

Dragon

The Dragon is predicted to be breathing lots of financial fire in the Year of the Monkey, especially during March and May where he would see dramatic improvement in monetary aspects. However, good earnings can only come with a positive budget and this should be the Dragon’s focal point.

He should also be mindful of unnecessary spending by keeping his financial stronghold in check and concentrating on pending bills. Profit is also said to be dwelling in excess money from savings that could set up a handsome financial future.

Request for loans should be welcomed by the Dragon as this period is his strongest but he must be very prudent in spending and scale back on outflow of money that may seem promising at first but would end up disastrous.

Birth Years:
 1928, 1940, 1952, 1964, 1976, 1988, 2000, 2012

Snake

The New Year forecasts that the Snake’s worry about his financial situation will cause much negative effect on both physical and emotional health. Despite these worrying possibilities, you will make considerable progress in social and career aspects.

The month of November in the Year of the Monkey would provide much comfort and luxury in living through efforts merited to your own decision-making abilities. However, you will face minor difficulty in covering expenses with your current earning.

Avoid being generous in money-lending as this could impale your financial health in the long run. The Snake is equipped with a natural intelligence over money matters and could be the property that keeps him safely afloat from drowning into a pit of financial despair.

Birth Years:
 1929, 1941, 1953, 1965, 1977, 1989, 2001, 2013

Horse

In the Year of the Monkey, the Horse businessmen will face considerably major financial challenges between two trying periods – February and May as well as September and November.

He is encouraged to look for varying sources of income to erase and clear off stubborn loans that are emotionally scarring him. Before venturing into a new business, he must have a clear idea of the risks involved and understand his capability of handling it.

The Horse must pay close attention to his spending as he can most certainly do without most of them. Also, the funds for this major business venture would be a contribution from social contacts or relatives to ensure he gallops onto a strong financial foundation.

Birth Years:
 1930, 1942, 1954, 1966, 1978, 1990, 2002, 2014

Goat

The Goat is expected to carry some of that money charm from its own year into the Year of the Monkey. Earnings are bountiful during the early months of 2016, but will reach its peak especially during the months of June and December.

Much review on your financial state and monetary strategy is needed during the consecutive months of September and October – this will assist in building your financial empire for the future. If you choose to consolidate your capital, this would be the best time to explore new avenues.

You may be content with the way money was making its way to you, but the Year of the Monkey foresees the perfect time to multiply income. It needs a tonne of effort and determination to leverage on great opportunities that come your way in an amazing year ahead.

Birth Years:
 1931, 1943, 1955, 1967, 1979, 1991, 2003, 2015

Monkey

It’s the Year of the Monkey and the speculations are anything but against its resident Chinese Zodiac sign. The Monkey should have a clear picture painted about his financial goals and it would be the drive of confidence that prompts all the right moves in improving his finances.

The year belongs to him and that should encourage a review of financial strategies orchestrated in the past. These strategies must come into effect during the periods between February and May as well as September and November for optimum profit.

The Monkey must resists all temptation to make investments during the middle of the year as this would come back to bite him, but he will definitely see dramatic improvement in finances by September. Monkeys should invest in securities for profit assurance and also request for increments at work during this prosperous period.

Birth Years:
 1932, 1944, 1956, 1968, 1980, 1992, 2004, 2016

Rooster

Love is in the air for the Rooster this Year of the Monkey as much of his attention is focused on a partner or soul mate. The month of November requires him to funnel expenses into a gift for that special someone or perhaps even friends.

A vacation with the lover is said to be in order during the period between the months of May and September, where a particularly large spend will take place. It also is a great time for the Rooster to invest in long term securities that could yield handsome profit in the fold of its own year.

The Year of the Monkey provides space for the Rooster to orchestrate monetary strategies and this is where budgeting is necessary to hinder frivolous spending. A boost of sudden cash by the end of the year beckons and would make up for nominal losses incurred throughout the year.

Birth Years:
 1933, 1945, 1957, 1969, 1981, 1993, 2005, 2017

Dog

The Dog is expected to be faced with money challenges that have stem from his newly developed determination and confidence. In order to suppress those hindrances, he will sniff out avenues in which he can cover up losses made in expenses that blew over his income.

Dogs have a way with drawing up solutions to their over expenditures and ensuring continued balance with their income. Much of that strength also resides at work where he will be head-strong in dealing with organisational challenges.

Just after the midway point of the Year of the Monkey, the Dog must resist temptation to splurge on luxuries that will offset any progress he’s made thus far. Much of the problem lies in social tendencies to upstage another, therefore he must be very careful with outgoing money.

Birth Years:
 1934, 1946, 1958, 1970, 1982, 1994, 2006, 2018

Boar

The Year of the Monkey predicts that the Boar will be generous in spending for himself and his family in months before the midway point of the year. It could be his downfall because he tends to be careless with spending during this period and must be weary.

The root of this problem lies in the fact the Boar fails to realise that there are more ways of pleasing his family or himself without the need of spending any money. Despite having a turbulent beginning half to the year, it will all be clear for him come the second.

The Boar must resort to various avenues of income generation even if it means taking up an extra job. Whatever the income from these avenues should be placed in long-term securities or investments in preparation of his year in 3 years’ time.

Birth Years:
 1935, 1947, 1959, 1971, 1983, 1995, 2007, 2019

Go Bananas This Chinese New Year!

Chinese Zodiac sign predictions are great fun and whilst some people put much stock into what is said – one should always do their homework before embarking on particularly risky investments or endeavours. Always approach finances with a level head and do what is best based on your own estimations.

We hope your Chinese Zodiac sign shows much promise this Year of the Monkey and may all your endeavours be ever so fruitful.

Wishing you a very happy and prosperous Chinese New Year!

The astrology predictions above are for entertainment purposes only. It is not meant to constitute sound financial advice. RinggitPlus and its’ affiliates, are not responsible for any loss or detriment suffered through the improper use of the information contained herein.

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EPF Members Most Likely Able To Opt Out From New 9% Contribution Rate

(Image: Astro Awani)

EPF members who would like to maintain their monthly contribution at 11% from January 2021 can most likely do so by simply filling up a form to their employers.

According to The Star, these EPF members must inform the EPF of their intent through their employers, who will be required to submit a list of employees who wish to opt out from the reduced contribution exercise. It is also understood that the provident fund is currently working out a timeline with employers to submit this list.

This latest proposal to
reduce the employees’ EPF statutory contribution rate to 9%
 – which is set to begin in January 2021 – was made with the intention to increase the take-home pay of EPF members. With this, it could alleviate some of the financial burdens faced by the public, as well as potentially increase consumer spending.

This 9% reduction is also not the first time that the government had lowered the contribution rate this year. Prior to this, the rate was reduced from
11% to 7%
 between 1 April to 31 December as part of the
first economic stimulus package
 announced in February 2020. Members were also
allowed to opt out
 from the 7% EPF contribution rate back then, if they wished to.

(Source:
The Star
)

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Tengku Zafrul Abdul Aziz

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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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SST On Cameras And Smartphones Reduced To 5%

Cameras and smartphones will now have their Sales and Services Tax (SST) lowered from 10% to 5%. This announcement was made by Finance Minister Lim Guan Eng on 16 September following requests and appeals from those in the industry.

“There are a lot of other tax exemptions and reductions, you have to familiarise yourself with SST,” said Lim during the second dialogue on SST at Kota Kinabalu, adding, “Everyone can give us suggestions and proposals. We will look at how we can improve the implementation of SST.”

The Federation of Commercial Photographic Society
had earlier appealed
 to the Finance Ministry for the abolition of SST on cameras and accessories. The society claimed that camera sales had dropped by 30% since the Goods and Services Tax (GST) and SST were introduced, and that some 2,000 members were heavily affected as the industry was not doing well.

Members of the public who have questions on SST are encouraged to call the Customs hotline at 1300-888-500 or search for answers on
the dedicated SST website
.

(Source:
The Star
)

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3 Reasons To Set Up Your Business At Melawati Corporate Centre (MCC)

Setting up a business can be a challenging ordeal. In fact, there are several factors that come to mind when looking for a suitable place to set up and grow a business. Business owners typically prefer venues that are accessible to their target audience, with value-added amenities, at a suitable rental cost or property price that is within their budget.

Regardless of what your business is offering, setting up an on-site office may require a number of considerations. If your business is looking for a location with an established community of residents, Melawati Corporate Centre (MCC) may be a great option to consider.

Businesses that choose to set up their operations in Melawati Corporate Centre (MCC) will enjoy numerous benefits, including the 3 listed below:

1.
Move-in Friendly

The time taken to set up a business is crucial to most business owners, in order to make returns in the shortest period of time possible. As a business owner, you’ll be glad to know that the offices at Melawati Corporate Centre (MCC)  are already available for occupancy.

The 10-storey Melawati Corporate Centre (MCC) offers a hundred flexi suites from 1,098 sq ft to 2,045 sq ft. Available in multiple configurations, both vertical by core, and horizontal by floor, you’ll be able to set up your workspace to suit your business needs.

The office units also come with hackable walls for businesses that require more space. Choose from a variety of office layouts, including intermediate office suites, corner office suits, and retail suites with extended terraces.

2.
Accessible and Strategic Location

Located in a mature township with 27,000 residents, the Melawati Corporate Centre (MCC) is situated near popular hillside residential developments such as the Serini Serviced Residence and the newly launched Park One, Melawati.

A strategic location by the Melawati MRR2 gateway ensures immediate and comprehensive access to road and rail services, which includes various highways (MRR2, DUKE, SPE, and SUKE highways) and 2 LRT stations (Wangsa Maju and Sri Rampai). This puts the capital city and other hotspots only minutes away, with KLCC only 12km from Melawati Corporate Centre (MCC).
Melawati Corporate Centre (MCC) is only a 700 m walk to Melawati Mall, a vibrant lifestyle shopping centre. You’ll be pleased to know that there are 8 commercial banks within the vicinity, and with a high volume of foot traffic from the mall, making Melawati Corporate Centre (MCC) an ideal venue to attract the target audience for your business.

3.
Business-Friendly Amenities

As a business owner, you can be at ease knowing that Melawati Corporate Centre (MCC) is equipped with multi-tiered security, plus the convenience of approximately 500 parking bays. This allows tenants with secure and direct accessibility from the basement right to your office ensuring that the safety of your business is always established.

Need a venue to host private business events? You’ll have access to a private rooftop deck for hosting private gatherings. Enjoy panoramic views of the beautiful green hills of Bukit Tabur, Bukit Dinding, and Bukit Melawati, and relish in the pure nature of your surroundings.

***

Start, and grow, or expand your business in Melawati Corporate Centre (MCC) – you won’t even need to wait as it is already available for occupancy. Work within an established residential community with easy accessibility, and a variety of flexible office layouts to choose from – making this an investment opportunity that could potentially lead to great returns.

To learn more about setting up your business in Melawati Corporate Centre (MCC), click
here
 to visit the website.

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AirAsia Reduces Cabin Baggage Allowance To 5kg As Covid-19 Safety Measure

With AirAsia resuming its flight services for selected domestic routes on 29 April 2020, the airline has implemented a new round of safety measures to avoid the spread of the Covid-19 virus. One of the new safety measures in place is the reduction of AirAsia’s cabin baggage allowance from 7kg to 5kg.

“To facilitate social distancing especially during embarkation and disembarkation, we will allow only one piece of cabin baggage not exceeding 5kg for each guest,” said AirAsia in an email on these new measures. The cabin baggage can either be a laptop bag, handbag, OR a small bag – passengers are not allowed to bring more than one piece of carry-on luggage.

“This will help minimise unwanted contact between you and another guest’s baggage and vice versa,” the airline explained. AirAsia has also changed the maximum size of your allowed carry-on bag from 56cm (height) x 36cm (width) x 23cm (depth) to
40cm x 30cm x 10cm.

Passengers will be required to wear a face mask before, during, and after the flight – including during check-in and bag collection. Those without a mask will be denied boarding, and it is your responsibility to bring your own mask to the airport. This measure is similar to the one implemented by
Malaysia Airlines
, which also requires its passengers to bring and wear their own masks while travelling.

Besides that, AirAsia passengers are reminded to arrive early at the airport to allow for enough time for all necessary safety processes to take place – preferably 3 hours before departure. It is also your responsibility to ensure that you are eligible to travel before booking a flight, taking into account any travel restrictions and special requirements.

In its email, AirAsia further expanded on its other on-ground and in-air measures to ensure the highest standards of safety and hygiene, including aircraft cleaning and special pre-flight, in-flight, and arrival procedures. Most of these
measures were already in place
 before AirAsia suspended its flights due to the movement control order (MCO).

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RinggitPlus Combo Campaign 2019 FAQ

Q: What is The RinggitPlus Combo Campaign about?

The RinggitPlus Combo Campaign rewards you for making new credit card and personal loan applications via RinggitPlus. Approved applications with any of four participating banks will guarantee exciting campaign gifts and a chance to win our sweepstakes prize!

Q: Which banks are part of The RinggitPlus Combo Campaign?

The four participating banks are:

For Credit Card Applications

For Personal Loan Applications

Standard Chartered

RHB Bank

Citibank

HSBC

RHB Bank

Q: What are the gifts offered under The RinggitPlus Combo Campaign?

Successfully apply and be approved for a credit card or personal loan under The RinggitPlus Combo Campaign and here’s what you can get:

Credit Card or Personal Loan

Free Campaign Gifts

Citibank Credit Card

Google Home Mini + Deerma Air Humidifier

Standard Chartered Bank Credit Card

Lenovo Tablet + JBL GO 2

RHB Credit Card

2x Xiaomi Mi Band 3

HSBC Credit Card

Vivo Phone Y91i + Vivo Speaker

RHB Personal Loan

Reebok Spindrop Unisex Watch

Most exciting of all, you will also be in the running for the chance to win our grand sweepstakes gift. We’ll be giving away
one Proton X70
 to the lucky winner of our grand sweepstakes draw – yes, you stand the chance to win an actual car!

Q: How do I apply?

It’s really simple. Just apply for a qualifying credit card or personal loan (as stated on the individual banks’ T&C) on
ringgitplus.com
 during The RinggitPlus Combo Campaign period (26 February 2019 – 29 March 2019).

Q: How long is the approval process?

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

Q: How and when can I get The RinggitPlus Combo gifts?

For credit cards, you will be eligible for your gift after your card is approved, received, and activated. For HSBC credit cards, you have to spend a minimum of RM1,000 within 60 days of your card approval date to be eligible for your campaign gift.

For personal loans, you will be eligible after your loan has been approved and disbursed.

Once the bank has notified RinggitPlus of the card activation or loan disbursement, RinggitPlus will send your gift to you within 28 working days.

Q: If I apply for more than one credit card or personal loan, can I get multiple gifts?

Yes, you can get more than one campaign gift if you get your credit card approved and activated or personal loan approved and disbursed from the different participating banks. However, if you are making multiple applications from the same bank, you will only receive one set of The RinggitPlus Combo Campaign gifts once you activate your card or have your loan disbursed.

Q: I already have a credit card or personal loan with one of the banks. Am I still eligible for the gifts if I apply for another card with the same bank during this campaign?

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

Q: How will the sweepstakes draw work?

To be in the running for the grand sweepstakes prize, you will have to have your credit card or personal loan approved and activated or disbursed by 31 May 2019. RinggitPlus will be doing a live show of the draw session in June 2019, where we announce the lucky winner of a brand-new Proton X70!

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

No. Only applications which have been approved by the banks are eligible for gifts from The RinggitPlus Combo Campaign.

Q: How long will this promotion be available?

The RinggitPlus Combo Campaign will run from 26 February 2019 to 29 March 2019.

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Are The New BoostUP Boost Coins Worth It?

The new Boost loyalty programme, BoostUP, is all about the Boost coins. Users earn coins from every Boost transaction and occasionally from Shake rewards. These coins are then used to redeem gifts, vouchers, and cash from the new Boost rewards catalogue. The question is, how valuable are these Boost coins – and is earning and redeeming them worth your money?

We’ve already covered the basics of the BoostUP programme
in our previous article
 – taking a look at how the points system works, the different member tiers, and so on. Right now, we’re going to deep dive right into the maths behind the Boost rewards redemptions so that you can see for yourself how valuable – or not – earning Boost coins really is.

What should you redeem on the Boost rewards catalogue?

The Boost rewards catalogue allows you to use your coins to redeem cash for your Boost wallet, a selection of vouchers, and big-ticket gifts like electronics and gadgets. However, which item on the catalogue is the best value?

To make your life easier, we’ve calculated the redemption value of the entire Boost rewards catalogue so that you can see which is the best item to redeem. The higher the redemption value (in sen per coin), the higher the returns you get for each coin you spend – so these rewards are the ones that you would be better off spending your coins on. This is the same metric we used to
evaluate the Grab Rewards catalogue
 recently.

Items are arranged in descending value

Redemption Item

Redemption Value

2-month Viu Subscription

20 sen per coin

Samsung Galaxy Note 10+

2.50 sen per coin

RM10 MBO Voucher

2.2 sen per coin

Samsung UHD Smart 43in LED TV

2.17 sen per coin

iPhone 11 64GB

2.07 sen per coin

Dyson V8 Fluffy

1.80 sen per coin

JBL Flip 4 Portable Speaker

1.76 sen per coin

Dyson Supersonic Hair Dryer

1.70 sen per coin

Google Home

1.60 sen per coin

Sennheiser HD

1.50 sen per coin

Samsung Galaxy Tab A

1.49 sen per coin

PlayStation Plus 3-month membership

1.35 sen per coin

RM50 Razer Gold

1.30 sen per coin

RM50 PlayStation

1.30 sen per coin

American Tourister Ellen Spinner

1.29 sen per coin

RM50 Shopee Voucher

1.25 sen per coin

RM50 Steam Wallet

1.25 sen per coin

RM30 Shopee Voucher

1.20 sen per coin

RM30 Zalora Voucher

1.20 sen per coin

RM20 Steam Wallet

1.20 sen per coin

RM30 Credit Reload

1.20 sen per coin

RM20 Razer Gold

1.19 sen per coin

RM20 Boost Wallet

1.15 sen per coin

RM15 Boost Wallet

1.10 sen per coin

RM10 Shopee Voucher

1.10 sen per coin

200 Garena Shells

1.10 sen per coin

RM10 Razer Gold

1.10 sen per coin

RM10 Steam Wallet

1.10 sen per coin

RM10 Credit Reload

1.05 sen per coin

100 Garena Shells

1.04 sen per coin

RM10 Boost Wallet

1.0 sen per coin

RM5 Credit Reload

1.0 sen per coin

RM5 Steam Wallet

1.0 sen per coin

1-month Spotify plan

0.96 sen per coin

RM5 Boost Wallet

0.95 sen per coin

RM2 Boost Wallet

0.95 sen per coin

RM1 Boost Wallet

0.91 sen per coin

RM0.50 Boost Wallet

0.89 sen per coin

As you can see, with the exception of the Viu subscription and MBO vouchers, most of the highest-value redemptions you could make are the big-ticket gadgets and appliances under the catalogue’s “Prizes” section. The Samsung Galaxy Note 10+ would definitely be a prize to look out for, followed by the Samsung Ultra HD Smart TV and iPhone 11.

Surprisingly, redeeming cash for your Boost Wallet isn’t really the best use of your coins when you look at the redemption value offered; this is especially the case for the smaller Boost Wallet amounts. You would be getting better returns claiming vouchers on Zalora or Shopee instead if you wanted to get more value for the coins you spend.

How much would you have to spend to make the highest-value redemptions?

Now that you know which are the best vouchers to redeem from the Boost catalogue, the next step is to figure out how much you would have to spend in order to make those redemptions. As the earning rate for Boost coins differs according to your Boost level, we’ve broken down how much you would have to spend for some of Boost’s best and not-so-bad reward redemptions across the four different user tiers. We’ve also thrown in the calculated rate of return for these top rewards as well.

Item

Boost spend required

Rate of return

Samsung Galaxy Note 10+ (RRP: RM4,199)

Level 1: RM504,000

Level 2: RM336,000

Level 3: RM168,000

Level 4: RM84,000

Level 1: 0.83%

Level 2: 1.25%

Level 3: 2.50%

Level 4: 5.00%

Samsung UHD Smart 43in LED TV (RRP: RM2,299)

Level 1: RM318,000

Level 2: RM212,000

Level 3: RM106,000

Level 4: RM53,000

Level 1: 0.72%

Level 2: 1.08%

Level 3: 2.17%

Level 4: 4.34%

iPhone 11 (RRP: RM3,399)

Level 1: RM492,000

Level 2: RM328,000

Level 3: RM164,000

Level 4: RM82,000

Level 1: 0.69%

Level 2: 1.04%

Level 3: 2.07%

Level 4: 4.15%

RM10 MBO Voucher

Level 1: RM1,350

Level 2: RM900

Level 3: RM450

Level 4: RM225

Level 1: 0.74%

Level 2: 1.11%

Level 3: 2.22%

Level 4: 4.44%

RM50 Shopee Voucher

Level 1: RM12,000

Level 2: RM8,000

Level 3: RM4,000

Level 4: RM2,000

Level 1: 0.42%

Level 2: 0.63%

Level 3: 1.25%

Level 4: 2.50%

RM30 Zalora Voucher

Level 1: RM7,500

Level 2: RM5,000

Level 3: RM2,500

Level 4: RM1,250

Level 1: 0.40%

Level 2: 0.60%

Level 3: 1.2%

Level 4: 2.4%

RM20 Boost Wallet

Level 1: RM5,520

Level 2: RM3,480

Level 3: RM1,740

Level 4: RM870

Level 1: 0.36%

Level 2: 0.57%

Level 3: 1.15%

Level 4: 2.30%

RM15 Boost Wallet

Level 1: RM4,095

Level 2: RM2,730

Level 3: RM1,365

Level 4: RM682.50

Level 1: 0.37%

Level 2: 0.55%

Level 3: 1.10%

Level 4: 2.20%

For the sake of comparison, if you were a
GrabPay in-store Platinum user
 and wanted to use your points to offset some your purchase with Grab points (the closest equivalent of the Boost Wallet cash redemption), your rate of return would be a consistent 7.5% – that’s more than double that of the Boost Wallet’s cash redemption rates. Alternatively, using the right
cashback credit
 card for your purchase would also almost definitely guarantee you a higher rate of return.

The big-ticket items in the rewards catalogue offer the best rates of return, with Level 4 Boost members able to hit at least a 4% return rate on their money. Meanwhile, most of the vouchers and the Boost Wallet cash options do not fare so well, offering less than 0.5% returns at Level 1 and not even reaching the 2.5% returns mark at Level 4.

And yes, while the bigger prizes may offer you the best rates of return for your money, not everyone would be able or are planning to spend the amount of money needed to redeem them. For instance, the Samsung Galaxy Note 10+ will require you to spend RM84,000 to RM504,000 depending on your tier to redeem it. Sadly, even if you aimed to be far less ambitious and were just looking to get RM15 back in your Boost Wallet, you would have to spend between RM682.50 to RM4,095 just to achieve that.

And then there are the restrictions that you have to bear in mind when it comes to spending money on Boost. Boost coins have an expiry date of one year, so you would have to reach the required amount of expenditure for any one redemption within the span of a year. Furthermore, there is a RM1,500 limit for Premium Wallet users (Basic Wallet users only get RM200). Last but certainly not least, Boost  has a monthly transaction limit of RM4,500 per user. This makes spending enough money within a year to claim the Samsung Galaxy Note 10+ virtually impossible – without earning extra coins through other means like Shake rewards. And honestly, that’s when things get a bit messy.

Shake rewards – shaking up the calculations

(Image: Lowyat Forums)

It is important to note that Boost’s Shake rewards add a completely random element to your returns. Despite BoostUP’s new structured system, the Shake reward you get alongside the coins for each transaction still retains some of its original element of surprise. Although higher-level Boosties stand to get bigger Shake rewards, the exact amount of cashback or coins you receive is still random.

This is what makes calculating your exact returns from using Boost a little bit more difficult; we’ve seen users receiving thousands of “extra Boost coins” in a single transaction that drove up the rate of return of close to 28%, and we have also experienced getting as little as 0 extra Boost coins from Shake rewards. And while we can’t confirm it, higher-tier Boost users appear to get better Shake rewards. Considering Boost tiers are based on both transaction amount
and
value, you need to spend a lot – almost exclusively – on Boost to achieve Level 4 in a month. Not to forget, because the Shake rewards are random, you can never know if that big-ticket purchase will yield thousands of extra coins or just a RM1 cashback.

***

While it’s no surprise that Boost decided to move to a more systematic (and sustainable) loyalty programme after a good two years in the market, some Boost users may find the new system a bit complicated in comparison to the old instant-cashback rewards. Not only that, the random nature of the Shake Rewards can mean your Boost transactions are either really rewarding or not rewarding at all.

Given that the other major e-wallet players, namely Grab and TNG eWallet, are rewarding users with all kinds of promotions on top of their base incentives, BoostUP’s gamification plus structured model on its rewards programme may put off a considerable amount of its user base who just want a simple, easy-to-understand rewards programme.

If you need a refresher on the more basic aspects of BoostUP, don’t forget to check our
article on BoostUP
.

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    Eugene

    2 years ago

Appreciate you to update the BoostUP Boost Coins topic. Readers and customers are spending based on the return rate with 1 year target in mind. But BOOST has removed all these high return value items for redemption since 2 months ago. Now their coins worth very little to nothing. Thanks.

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BigPay Introduces Goal-Based Savings Feature, Stashes

BigPay has rolled out a new feature dubbed Stashes, which works essentially as a goal-based savings option. It also comes with a Round-Up function that helps you to save as you perform transactions using your BigPay card.

To begin, BigPay’s Stashes lets you create a Stash for a particular goal, after which you can use it as a “personal space to save money and budget” for that specific objective. The money saved in these Stashes will be kept separate from your BigPay wallet balance so that you do not spend the funds by accident.

BigPay users who wish to try out the new feature can do so simply by tapping on “Explore” in their BigPay app, followed by “Stashes”. Once done, go ahead and create a new Stash by naming it and adding some money into it. To add money, tap on the Plus (+) sign next to your Stash balance and enter the amount that you wish to deposit; funds will then be moved immediately from your BigPay wallet to your Stash, without having to go through any waiting or processing period.

Similarly, if you wish to withdraw from your Stash, tap on “Withdraw” and enter the amount that you wish to take out. Tap “Next”, and money will be instantly moved from your Stash to your BigPay wallet – ready to be used.

Aside from that, BigPay’s Stashes also boasts a function called Round-Ups, which it says will help you to save up for your goals more quickly. As the name suggests, it will round up your BigPay card payments to the nearest amount, and then deposit the spare change into your Stash. Here’s an illustration shared by BigPay of Round-Ups at work:

You buy a cup of coffee at a café for RM12.50. With Round-Ups, we’ll automatically round up your card purchase to RM13, and automatically send the balance of RM0.50 straight to your Stash to save.

The Round-Ups function is automatically activated when you create a Stash, but you will also have the option to activate or deactivate it whenever you want. To note, Round-Ups is not necessarily new in the market. A similar function is also utilised in
Permodalan Nasional Bhd’s (PNB) micro-investing mobile app, Raiz
, and Maybank’s
Tabung in the MAE by Maybank2u (MAE) app
.

If you’re ready to give Stashes a try, go ahead and fire up your BigPay app! Do be aware, though, that you are currently only able to create one Stash; BigPay said that it is already working on upgrading the feature to allow the creation of multiple Stashes. Additionally, other upcoming updates include the ability to personalise your Stashes with images and categories, as well as to set up scheduled transfers to your Stashes.

(Source:
BigPay
)

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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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The Most Overpaid Jobs in Malaysia

If somebody told you you’re making way too much money, you’d probably feel offended. We all have pride in our work, and would love to be making as much as we can, right?

But wouldn’t you also be curious to know if the pay you’re getting is on the higher end of the bell curve compared to the rest of your industry peers? Or maybe there’s a particular position you’re qualified for out there that pays way more than you’re currently getting?

We’d love to know these lucky people too. To that end, we’ve scoured through the net to look for specific jobs in Malaysia that earn way more money that you expect them to, and try to find out why that is and how to get those jobs. Here we go.

Note: Estimated salaries obtained from
PayScale
 by industry.

1. Corporate Lawyers (
RM93,000
)

It’s not that lawyers don’t deserve high-salaries, the thing is – corporate lawyers are the ones making big bucks and not those in family law, public defence, appeals or estate planning which actually helps regular people in legal binds. But these numbers do make sense. Corporations have relatively more to spend, after all.

If you’re a corporate lawyer who isn’t earning that much (since the average salary is more like RM40,000 a year), you should know that this largely depends on what corporation is paying your salary. The bigger and more involved a corporate lawyer’s job is, the more they get paid. Go figure!

2. Senior Copywriter at Advertising Agencies (
RM106,000
)

How many copywriters do you know make this much? Not many, we bet. The job of a copywriter entails writing copy, or written material for whichever company they work for. Advertising agencies need good copywriters particularly since the advertising copy can make or break an ad campaign.

In the instance of some high-ranking Malaysian advertising agencies, it looks like you can make quite a handsome salary if your words are equally good-looking. And if you work for the right agency of course. If you’re earning around RM50,000 to RM60,000 as a senior copywriter though then you’re getting right about average.

3. IT Managers, Banking (
RM132,000
)

Managing the tech for any company is an important undertaking. How well the infrastructure runs can be the difference between a business turning great profit with smoothly working equipment to an office space full of dead monitors and sighing coworkers.

How much more crucial is it for a banking company to manage their IT well? Enough for them to pay 6 figures a year compared to the average 5 figures for IT managers in other industries. Looks like if you’re an IT manager, the big bucks are in banking.

4. Operations Manager, Tobacco Manufacturing (
RM106,213
)

Much like the other jobs that seem to get paid more than other, with this one it’s not so much the position but the industry itself. A majority of employees in the tobacco industry are better compensated than similar ones in healthcare or education for example.

So far it looks like if you need to earn more than your contemporary peers, it’s more about where you work, and not necessarily what you do.

5. Concept Artist, Entertainment or Video Game Software Development (
RM253,200
)

Although, coming up with a winning concept for video games is a mighty cool job and these artists should be compensated handsomely, RM0.25 million does seem excessive yet again.

Once more, looking at the data shows us that the actual average salary for related positions are about RM50k. This points to either a niche demand for a specific set of skills or a particular firm that really wants that position filled.

Are you tired of earning less than you should? Then don’t take it sitting down, check out our piece on how you can earn more:
6 Genius Ways You Can Double Your Salary
. You don’t need a lavish lifestyle to enjoy the good things in life. Just check out our
most popular premier credit card right here
 and live the high life without having to switch to a higher paying job!

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CIMB: SecureTAC Approval Required For FPX Transactions Above RM100

CIMB Bank has announced that customers will be required to approve all FPX transactions above RM100 via SecureTAC starting from 19 March 2023. This is as the bank strives to improve its online banking security for customers, as well as to minimise the risk of fraud.

In its notice, CIMB also stressed that the SecureTAC approval has to be carried out via the CIMB Clicks app for all customers, including those who are currently using the
CIMB OCTO app
 – a separate mobile banking app that currently complements the CIMB Clicks app. This is as the CIMB OCTO app is still in its early development stage, and does not support the SecureTAC function at present.

“As such, you will need to perform this approval via CIMB Clicks app. We will continue to update more features over time,” CIMB further said.

Briefly, CIMB’s SecureTAC lets you authorise your transactions with an in-app one-tap approval method, replacing the previous six-digit SMS TAC sent via a third-party telco service provider that needs to be keyed in manually. It is said to be more secure, protecting your transactions with enhanced encryption, and is more convenient too. Additionally, the SecureTAC feature is in line with Bank Negara Malaysia’s directive for banks to adopt
five additional safeguards
 to shore up their online banking security systems.

This latest development is a follow-up to CIMB’s earlier update, which required customers to
approve all CIMB Clicks online/web transactions of RM100 and above using its SecureTAC feature
 on the CIMB Clicks app. This includes transactions such as non-favourite fund transfers, bill payments, and prepaid reloads.

You can download the CIMB Clicks app from
Google Play
, the
App Store
, and
Huawei AppGallery
.

(Source:
CIMB
)

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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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Standard Chartered To Rebrand WorldMiles World Mastercard Into Journey Credit Card With Revised Benefits

One of Malaysia’s most popular travel credit cards will be revamped come June 2023. The
Standard Chartered WorldMiles World Mastercard
 will soon be renamed as the
Standard Chartered Journey Credit Card
, and will offer revised key benefits.

Not all information has been announced, but from what Standard Chartered has shared today, it covers the following key areas:

new rewards points name from WorldMiles points to Miles Points (but no information on redemption partners and redemption rates)

revised points earning rates

exclusion of transactions that earn Miles Points, including
utilities and e-wallet transactions

revised cashback programme on airport transfer

The Standard Chartered Journey Credit Card will officially be available from 10 June 2023. It’s a pretty comprehensive overhaul of the card, so let’s go through them.

Revised points earning rates

Currently, cardholders earn WorldMiles Points with an earning rate of 1 Point for every RM3 spent on local transactions, and 3 Points for every RM2 spent in overseas retail transactions. From 10 June 2023, the Journey Credit Card will earn 1 Miles Point for every RM1 spent in three categories:
Dining, Travel, and Overseas retail transactions
. For all other transactions, cardholders will earn 1 Miles Point for every RM5 spent.

Meanwhile, Miles Points earned may be redeemed for actual air miles, cash, as well as gifts just as with the current WorldMiles card. However, StanChart has not yet revealed details on the
new AirMileage programme
, so we can’t yet tell if the bank will retain the same redemption rates as the WorldMiles for air miles (2,000 WorldMiles Points = 1,000 Enrich Points / KrisFlyer Miles / Asia Miles / AirAsia Points).

One small info we found was a considerable change in the cash redemption. Currently, WorldMiles cardholders may redeem their points for cash at a rate of 74 WorldMiles = RM1 in multiples of RM1. For the Journey Credit Card, cardholders are required to redeem a minimum of RM50 and in multiples of RM10 thereafter.

Exclusion of points-earning transactions

The Journey Credit Card will also revise transactions that earn Miles Points. Most of the current restrictions are retained (such as government-related, cash withdrawals, etc), but with the inclusion of a few more: utilities (including telco and cable TV, which are usually not under this category), e-wallets, and special events categories (such as catering, funeral, studio rentals, and even florists).

Revision to airport transfer programme

(Image: Malay Mail/Devan Manuel)

Finally, there’s a revision to one of the jewels of the WorldMiles card: its airport transfer programme. Currently, cardholders can enjoy cashback for return airport transfer of up to RM80 simply by using the card a minimum of three times in foreign currency in the past 30 days before the airport transfer. The programme covered both KLIA Ekspress trains as well as most of the airport limo services at KLIA and KLIA2. With no minimum spend condition on the required transactions, it meant cardholders could enjoy a deeply discounted airport taxi or train ride home.

With the Travel Credit Card, however, this benefit will be revised only to cover Grab rides and capped at RM65. In addition, the spend requirement is also revised to spending a minimum of RM2,500 in “travel retail purchases” (no specifics beyond this term, but it can be assumed to cover travel-related transactions like airline, hotel, and overseas transactions) in the past 90 days.

What’s not yet announced?

(Image: Business Today)

Besides the major revisions above, there are a few other details that have not yet been revealed. The AirMileage programme as mentioned earlier is a major one – this will largely determine if the new Journey Credit Card is a worthy air miles card for Malaysian consumers.

Meanwhile, it is also not known if the other jewel of the WorldMiles card – unlimited airport lounge access in KLIA and KLIA2 – has been revised. After all, it’s one of the very few cards in Malaysia to still offer unlimited lounge access. Other details, such as the card face, annual fee, and income requirements are also not yet revealed. StanChart’s notice does mention that other terms besides the ones mentioned above have not been changed, so we’ll have to take their word for it until we can take a closer look come 10 June 2023.

(Source:
Standard Chartered
)

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Pang Tun Yau

Pang Tun Yau

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

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    Chung thiam leng

    3 months ago

Very good

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    Anonymous

    2 months ago

cash redemption rate is higher, I got 6k++ points but insufficient to redeem RM 50…

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New Cashless Card System For Hawkers And Petty Traders To Be Proposed Soon

The Hawkers and Petty Traders Association is working on a new digital system for small business owners, which will be based on the usage of a standardised card. The system will function as a digitised platform to spur business activities and organise financial spending for hawkers and petty traders all over Malaysia.

“The card will be free of charge for all hawkers and petty traders as long as they are registered with the local council in respective states,” said the association president Datuk Seri Rosli Sulaiman. “As for newly registered business owners, they too will automatically be presented with a card. This card is also available to the public and will also be free of charge.”

Rosli revealed that current cashless payment platforms like Touch ‘n Go do not allow immediate cashout, making it less than ideal for small-time business owners who are in dire need of cash. “With this system, cashout is immediate,” he explained. “At the same time, the system that comes in a card form can store rewards points when used for shopping or accumulate commission for those who use it for their businesses.”

(Image: Malay Mail)

If approved, the new system will be formed in collaboration with Aeon Credit Service Malaysia and other partners like the Social Security Organisation (SOCSO) and the Employees’ Provident Fund (EPF). “Before this, many hawkers and petty traders don’t have SOCSO and EPF,” highlighted Rosli. However, with the new system, these parties can finally be protected by the respective schemes.

Rosli stated that the system was conceived as a result of the economic downturn caused by the Covid-19 outbreak which forced many hawkers and petty traders out of business. “We hope that this new system can help them regenerate income or for some restart businesses,” he said.

The Hawkers and Petty Traders Association is looking at making this a permanent facility for all hawkers and petty traders registered with respective local councils nationwide. According to Rosli, the association will be meeting with the Entrepreneur Development and Cooperative Ministry to pitch its idea soon.

(Source:
Malay Mail
)

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GST In Malaysia – Are you Ready?

Clueless, fearful, and in doubt about the forthcoming GST? Keyboard warriors and fear mongers are having a field day spreading rumours on the GST implementation in Malaysia; the most fearful one is of course, the possible price hike of, well, E-V-E-R-Y-T-H-I-N-G!

But how do we separate the GST facts from fiction?

Since most Malaysians are still in the dark about GST and its implementations, we present a guide that will hopefully give you a clearer a picture on the execution of GST in Malaysia!

What is GST?

Would you believe it if we say that GST is not an evil scheme drafted by the bad boys? Known across the world as GST (Goods and Service Tax) or VAT (value added tax), it is a type of consumption tax levied on your purchases. There are currently 160 countries in the world that use GST as a form of tax collection. The government has been trying to implement GST since 2011, but the proposed plan was greeted by plenty of backlash by the public. But here it comes now; as announced by the Prime Minister during the annual budget 2014 presentation, GST will be implemented in 2015 at 6% to replace the current sales and service tax.

GST vs SST

Hang on, aren’t we paying for the GST already? When eating out, you’d notice the glaring 6% tax on your receipt; and of course the calculator friend will insist on splitting the tax cost between the group. However, the 6% that you grudgingly fork out is not the GST.

Currently, there are 2 other indirect taxes already present in our tax system: the
10% Sales tax
 (sometimes known as manufacturer’s tax) and the
6% Service tax
. Combined, they are usually referred to as the SST.

Err…what is Sales Tax?

We’re largely unaware of the sales tax, because it doesn’t occur on the consumer level. The 10% sales tax is collected only from manufacturers and importers with a yearly profit of RM100,000 and above. There are quite a few items which have a special tax rate of 5%, and there’s even some that are exempted from this sales tax (0% or no tax). Some of these items include:

• All exports are exempted from sales tax.

• Live animals, fish, seafood and certain essential food items including meat, milk, eggs, vegetables, fruits, bread, etc.

• Medical and educational equipment including sports equipment, books, etc.

• Photographic equipment and films.

• Motorcycles not exceeding 200cc capacity, bicycles for adult use.

• Machinery for textile industry, food preparation industry, paper and printing industry, construction industry, metal industry, etc.

• Primary commodities including cocoa, rubber, etc.

• Naturally occuring mineral substances, chemicals, etc.

• Helicopters, aircraft, ships and other vessels.

For example, if the manufacturer purchased an item from the supplier for RM10, they will be taxed at RM1 (10%). What happens here is that these manufacturers are to charge 10% sales tax on sales value of their manufactured products and to collect the tax from their customers, and remit to Customs every 2 months.

Err…what is Service Tax?

Remember the 6% tax on your receipt, or the RM50 you pay annually for your credit card (RM25 for supplementary cards)? That’s what the government calls service tax. Previously 5% and raised to 6% in January 2011, the service tax applies to certain items in the service industry including food and drink outlets, and tobacco.

This tax also applies to professional and consultancy services such as accountants, lawyers, engineers, architect, insurance companies, etc. and is also remitted to Customs authorities every 2 months. This one is easier to calculate: If you are buying a cup of Starbucks coffee for RM14, you will be taxed at 6% = so your final bill is RM14.84. Starbucks will then remit RM0.84 to the authority.

How Does GST Work in Malaysia?

Both the sales and service tax are added at one stage of the chain only: the 10% Sales Tax is added at the manufacturer level, while the 6% Service Tax is added at the consumer level (that’s you). On the other hand, the GST will affect all parties in a multi-stage taxation system across the value chain from manufacturing to sales.

So in short, the previously 10%, 5%, or 0% Sales Tax will be replaced with 6%, and the 6% service tax will now be called as the Goods and Service Tax. Here’s a simplified example of how 6% GST vs 6% Service Tax works:

6% Service Tax

Step 1 – Starbucks buy coffee beans from its manufacturer at RM10, lets’ call the company KOPI. KOPI gets a profit of RM10. There is no tax involved here.

Step 2 – You buy a latte from Starbucks at RM15. The total price is RM15.90 (6% service tax). Starbucks gets a profit of RM5, and passes RM0.90 to the government.

Total tax to government: RM0.90

6% Goods and Service Tax

Step 1 – Starbucks buy coffee beans from KOPI at RM10. The total price is RM10.60 (6% GST). KOPI gets a profit of RM10, and passes RM0.60 to the government.

Step 2 – You buy a latte from Starbucks at RM15. The total price is RM15.90 (6% GST). Starbucks gets a profit of RM5, and passes RM0.30 to the government.

Why RM0.30 and not RM0.90 as shown on the first example? That’s because they’ve paid RM0.60 to the government when they bought coffee beans from KOPI (RM0.90 – RM0.60 = RM0.30).

Total tax to government: RM0.90

As you can see, the government did not make any extra money, so why bother with GST? Well, the GST unit of the Royal Malaysian Customs Department gives us the following reason ‘method of collecting taxes which works better than others’ to explain the need for GST.

Economists, meanwhile, believe the government has very rightly approached the GST as a new source of income with a broad tax base as a means to begin to diversify tax revenue sources.

Prices and GST

The number one concern of the public when it comes to GST is the prices of everyday goods. What will happen to our beloved
kangkung
 after GST has been introduced to the market? To put your mind at ease, we’ve designed three infographics to show the possible scenarios: (1) for items charged with Service Tax, (2) for items charged with Sales Tax, and (3) for items with no Service or Sales Taxes:

6% Service Tax to 6% GST: No changes in price

As per our earlier example, there shouldn’t be any price increase, and you pay the same amount of tax at 6% to the government.

10% Sales tax to 6% GST: Possibly a decrease in prices

Similar to the earlier example, you may end up paying less if a product manufactured or imported now is subject to 6% GST rather than 10% Sales Tax.

No SST to 6% GST: Increase in Prices

With that in mind, sectors of the economy which were not covered under the Sales and Service Taxes may now be under the coverage of GST, as it is a broad based tax measure. Unless these things are zero-rated, prices of goods not previously covered under those 2 tax systems will now be affected by the broad based GST and cost more.

How does the GST affect SMEs in Malaysia?

As the total GST amount is paid for by customers (parts of it effectively paid across the value chain, through GST input credits etc), businesses are not affected directly by price increases due to GST. The added cost through the implementation of GST will be due to administration of GST input credits and accounting for GST. Because of this, businesses with an annual turnover of less than RM500,000 are exempted from being GST registered and will thus not be required to collect or pay GST.

GST Exemption List

During the tabling of Budget 2015, the exemption list has been expanded to include more items. This list is by
no means exhaustive
, but you can expect to not pay any GST for these goods and services:

Food:
 Most meat, chicken, seafood, vegetables; all types of fruits, white and wholemeal bread, coffee and cocoa powder, tea dust, and noodles (yellow mee, kuey teow, laksa, and meehoon), cooking oil, margarine spread, flour, sugar, milk, salt, and many more.

Petrol:
 RON95, diesel, liquefied petroleum gas

Other goods:
 medicines, reading materials, and newspapers, among others

Services:
Transport, education, healthcare, finance, and plenty more.

The obvious concern here is to make sure that businesses do not take advantage of just the fact that GST has been introduced as a reason to raise prices of goods and services indiscriminately. To this end, the Anti-Profiteering Act has been tabled to enable enforcement against such practices. In theory though, the multi-stage tax nature of the GST should allow the Customs department to aggregate pricing information far more accurately than they do currently, the implied monitoring of this should serve as a deterrent to unscrupulous businesses.

With effect on June 1, 2018, the regular
GST
 rate of 6% will be reduced to zero percent as per the government directive.

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Standard Chartered Partners With Pine Labs To Offer BNPL Option To Credit Cardholders

(Image: Global Business Outlook)

Standard Chartered has partnered with India-based merchant commerce platform Pine Labs to enable the buy-now-pay-later (BNPL) payment option for its credit cardholders when they shop at selected merchants.

With this update, Standard Chartered cardholders will be able to tap into the interest-free instalment payment option at over 25,000 merchant outlets that are utilising Pine Labs’ offline point-of-sale (POS) terminals in Malaysia. Among some of these retailers include Eu Yan Sang, Machines, and Al-Ikhsan.

The head of consumer, private, and business banking at Standard Chartered Malaysia, Sammeer Sharma said that this collaboration will connect the bank’s customers to a wider ecosystem of merchant, and provide a flexible and manageable way to cope with purchases or paying bills. “This is in line with the bank’s commitment to improve product access, financial inclusion, and value-added services to our clients,” he said.

(Image: The Malaysian Reserve/Razak Ghazali)

The head of payment business for Pine Labs (APAC), Chayan Hazra also chimed in with a similar opinion. “Traditionally, the focus of banks have been mainly towards consumer electronics and home improvement due to the big-ticket purchase in these categories for BNPL. Now, with the changing consumer shift towards a need for every possible saving opportunity during checkout, newer categories are fast emerging,” he commented, adding that Pine Labs is also planning to periodically roll out exclusive cashback and discounts for Standard Chartered’s credit cardholders in the future.

Aside from the new BNPL payment option, Standard Chartered cardholders also have access to other flexible payment options by the bank, including a
0% easy payment scheme with participating merchants
.

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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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Guaranteed Shopee e-Voucher, Touch 'n Go Credit, Giordano Luggage Bag & Firefly e-Voucher This Week

Begin the new year with a credit card that’s right for you and enjoy gifts like e-wallet credits, e-Vouchers, and a luggage bag!

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

For this week (27 December 2021 – 3 January 2022), our featured bank partners include
Citibank, HSBC, Standard Chartered Bank, and Alliance
 – if you have considered applying for any of these banks, check out our latest deal below!

Guaranteed RM600 Shopee e-Voucher

Do you have items in your Shopee cart just waiting to be checked out? Get ready to finally have those items in your hands because Citibank is offering a guaranteed RM600 Shopee e-Voucher to all successful credit card applicants.

To be eligible for the respective Citibank credit card rewards, applicants are required to activate and spend a minimum of 8 retail transactions on their new card within 60 days upon gaining approval.

Take note, though, that current cardmembers and individuals who have cancelled their Citibank credit cards within a year before this campaign do not qualify for this promotion. Otherwise,
apply for a Citi credit card here
.

Guaranteed RM600 Touch n’ Go Credit

Whether it’s to pay bills, reload mobile credits, or buy movie tickets, offset them with RM600 Touch n’ Go credits when you apply for a credit card with HSBC. Enjoy the convenience of paying with your phone as over 410,000 merchants across the country accept Touch n’ Go e-wallet!

Applicants are required to activate their new card upon approval and spend a minimum of RM1,000 within 60 days to be eligible.

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

Guaranteed Giordano Luggage Bag

If you have a trip lined up on your agenda, you’re going to need a bag that can help you carry all your essentials with you. Get a guaranteed Giordano Luggage Bag when you apply for Standard Chartered credit cards and take it along on your trips – wherever they may be!

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

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

Guaranteed RM180 Firefly e-Voucher

We could all benefit from going on a vacation every now and then. Whether it’s to learn and explore a historical city, or to unwind and de-stress on an island, utilise the guaranteed RM180 Firefly e-Voucher which you’ll get when you apply for Alliance Bank credit cards.

All you need to do is apply, get approved, and activate your new Alliance credit card to take home the guaranteed RM180 Firefly e-Voucher.

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.

***

Finally, just as a reminder, be sure to start your application with our WhatsApp chatbot so that your eligibility is guaranteed, and so that we can always be at hand to help you if you need us.

While this week’s flash deal ends on 3 January 2022 (11am), you can also 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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Alliance Bank

Citibank

Credit Cards

HSBC Bank

RinggitPlus

RinggitPlus Unbox This Week Campaign

Standard Chartered Bank

About THE AUTHOR

Lisa Ameera Azman

Lisa Ameera Azman

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