Satisfy Your Cravings This Fasting Month With These Online Ramadan Bazaars

One of the things that Malaysians look forward to during the Ramadan month is the evening bazaars, but that’s a no-go now with the government prohibiting large gatherings as part of the movement control order (MCO) restrictions. However, that’s not to say that you’ll be deprived of your Ramadan favourites this year!

Malaysians are a tenacious lot when it comes to food, and Ramadan traders have rallied together to bring things online, so here’s a list of where you can still get your
murtabak
 and
ayam percik
.

E-bazaar platforms

A number of these e-bazaar platforms are initiatives organised between the state government and other relevant parties. There are also various others that were developed via partnerships between vendors, banks, riders, and so on.

E-bazaar platforms endorsed by state governments

Selangor:
E-Kitchen Platform Selangor (PLATS) and Grab Selangor/GrabFood e-Kitchen

PLATS
’ 77 e-kitchens are organised according to districts. To order from PLATS, head on over to your preferred “kitchen” for a list of the food available. Note that orders can only be made between 9am to 4pm, whereas deliveries will take place between 3.30pm to 7pm. Prices range between RM5 to RM19.60.

Alternatively, you check out the
GrabFood e-Kitchen
 for your Ramadan refreshments. Grab e-Kitchens are open from 2.30pm onwards, with orders closing at 7pm. That said, you are encouraged to order before 5pm to avoid the last-minute rush.

You may also want to take advantage of an ongoing promotion that gives you up to three free deliveries for your Grab e-Kitchen orders when you
link your Maybank2u account
 to your GrabPay e-wallet.

Perak
: S.M.A.R.T Iftar@Perak

To order from the
S.M.A.R.T Iftar@Perak initiative
, you’ll first be prompted to select your district. From there, you can view a list of the dishes available for purchase, along with the prices. The platform also provides you with each vendor’s contact details as you cannot order from the website. Instead, you need to contact them directly to place your orders.

Pulau Pinang
: JBO@BMPP

Penang’s
Jom Beli Online (JBO) platform
 is a partnership between the Penang Island City Council (MBPP) and Delivereat. The Ramadan vendors are listed in the DeliverEat app, and you can order from them the way you usually order food via the app.

You can opt to pay for your purchases via the Touch ‘n Go eWallet, Boost e-wallet, credit card, or FPX transfer. Touch ‘n Go eWallet has an ongoing promotion that gives you an RM5 discount when you pay with the e-wallet. It also has a free delivery promotion going on, but it cannot be stacked with the RM5 discount.

Johor
: eBazar Makmur and MuslimBrands

eBazar Makmur
 is Johor’s official e-bazaar platform, where you can browse through its list of registered vendors and contact them via WhatsApp to make your purchases. The website also reminds you to make your payments only after the vendor has confirmed that they will accept your orders.

If you prefer to order via a mobile app instead, then the
MuslimBrands
 app may be a better option for you. The app is originally a marketplace that caters to vendors and buyers looking for halal products, but it has recently partnered with system provider, eBAZARA, to provide e-bazaar services to Johorians.

Terengganu
: GanuShop

GanuShop
 was originally launched as a local e-commerce platform for various vendors across Terengganu. Managed by Yayasan Pembangunan Usahawan (YPU) in collaboration with the service centres of the state assembly (DUN), Ramadan bazaar vendors are now also tapping into the marketplace’s ecosystem for their businesses. Purchases made through the app are paid via its own e-wallet.

Pahang
: PahangMart

PahangMart
 originally served as an online supermarket portal to help the people of Pahang during the MCO period. It now doubles as a platform to host Pahang’s e-bazaar initiative. Essentially a directory of sorts, you will need to input your location to get a list of the Ramadan vendors operating around you. From there, you can contact them for your orders. PahangGo, which developed PahangMart, will also assist with the delivery of your orders to you.

(
Source:
iRujukan
)

Other e-bazaar platforms

Bazaar COD

Bazaar COD
 has a wide selection of food from 18 districts within Klang Valley, including
raya
cookies and cakes as well. It also clarifies that while you can order food from other districts, the delivery fee charged will be higher. As is the case with various other e-bazaar platforms, you will have to contact the vendors directly to make your purchases and to find out how to pay.

Bazar.Delivery

Bazar.Delivery
 is a collaboration between
Bank Muamalat and toyyibPay
, and it lets you buy from vendors who are within 5km of your location. The platform is also currently offering introductory vouchers worth RM6 to the first 1,000 customers who register on the platform, as well as to customers who spend a minimum of RM60.

Bazaar Rakyat

Bazaar Rakyat
 is one of the more elaborate e-bazaar efforts carried out, offering its services to vendors and customers in Kuala Lumpur, Putrajaya, Selangor, as well as several other states. Aside from
buka puasa
 food and drinks (rice, noodles, cakes, cookies, and so on), there are also products such as
baju raya
, footwear, handbags, gadgets, and even electronic appliances. According to its
founder
, the platform has 350 vendors ready to serve Malaysians.

Cyberjaya Farmers Market

If you’re staying within Cyberjaya, then you should check the
 Cyberjaya Farmers Market
 out. It’s clear that this platform was originally meant for the vendors and customers of Cyberjaya’s
pasar tani
, but it now features Ramadan specials as well. However, it seems to carry more
kuih,
cookies, and snacks than
buka puasa
 dishes.

Dekatni

Dekatni
 offers local Ramadan favourites – such as satay,
lontong
, and
nasi arab –
and you’ll need to contact the vendors directly to find out more about the mode of delivery and payment if you wish to place an order.

E-ftar

(Image: TeknoRatz)

E-ftar is a collaboration between foodpanda with Media Prima Television Networks and various local government councils. It features more than 200 different vendors selling dishes that are only available during the holy month. These include
roti john, murtabak,
and
ayam percik
. You can order from this e-bazaar via a dedicated section in the
foodpanda
 app.

Foodah

Foodah
 serves only selected areas, namely Kuala Lumpur, Taman Melawati, Kepong, Rawang, Kajang, Sentul, and Batu Caves. In terms of selection, it’s somewhat limited, but most vendors on this platform seem to have pretty frequent delivery time slots. You will also need to contact the vendors directly to sort out your deliveries.

Fashion Valet

Given its name,
Fashion Valet
 is clearly a marketplace for clothes, accessories, and other beauty items. This Ramadan month, however, sees it offering food products from restaurants, home-cooked meals, as well as
raya
 cookies and delicacies. It serves Malaysians across the country, including West Malaysia.

iftar4u.com

iftar4u.com
 is a collaboration between Moovby, GoGet, and FriedChillies. The app boasts more than 1,000 local and national favourites on its menu in 10 locations. It currently caters only to customers within Gombak, Subang Jaya, and Bangi, but will soon expand its services to seven other areas, including Puchong, Petaling Jaya, and Cyberjaya. Only cashless payments are accepted.

JomCariKiah

JomCariKiah
 has a decent selection of Ramadan offerings – from main course to appetisers and desserts – but what makes this platform different is the use of videos to promote each vendor’s food. Through these videos, vendors get a better opportunity to highlight the uniqueness of their dishes, such as the ingredients that are used. If you have enquiries or would like to make a purchase, do contact them directly.

NakMakan

We’ve written about
NakMakan
 before, when it was first introduced by MyEG – and now
here it is
! It has two sections that you can check out for your
raya
needs: NakMakan and NakRaya. Under NakMakan, you’ll get your
buka puasa
 favourites. NakRaya, on the other hand, features fashion items, home décor, beauty accessories, and others.

Orbit Malaysia

Orbit Malaysia
 has collaborated with several well-known local F&B brands to bring you a variety of premium halal dishes for Ramadan. If you’ve been missing food from Burgerbros TTDI, Papagrilz, Grafa Café, and Cream Caramel, then this is a site that you’ll want to check out. From steaks to classic Ramadan dishes, you’ll be spoilt for choice. That said, expect to pay a little more for these dishes; they tend to be fancier than your typical bazaar food. Payments are done through online transfers; there do not seem to be any other payment options.

WatsapKita

WatsapKita
 is a community-driven platform, where it focuses on organising bazaar meal deliveries by small businesses within a 3km radius from your location. To purchase from this platform, you must spend a minimum of RM20, and you’re allowed to order from a maximum of 3 different vendors for a one-time delivery charge. You can make the payment for your purchases via Boost, kiplePay, or Billplz. Also, if you do pay with Boost and spend at least RM30, you will earn yourself a cashback of RM3.

(Source:
FriedChillies
)

Online bazaars (Facebook groups)

Apart from dedicated e-bazaar platforms, many Ramadan vendors have also taken to creating Facebook groups to sell their products. These groups are established according to areas, so you’ll have to search for them according to location.

In general, you’ll find these groups to be very lively and responsive. Traders will post their menus, and interested customers can contact them directly to enquire or purchase. Here are some within the Klang Valley that you can check out:

Bazaar Ramadan Online TTDI Jaya

Bazaar Ramadhan Bangsar 2020

Bazaar Ramadhan Kelana Jaya

Bazaar Ramadhan Kota Damansara 2020

Bazaar Ramadhan Online Klang

Bazaar Ramadhan Online Kuala Lumpur

Bazaar Ramadhan Online Subang Jaya

Bazaar Ramadhan Online Wangsa Maju

Bazar Ramadhan Alam Megah

Bazar Ramadhan Petaling Jaya

SME Corp Ramadan eBazaar Portal

Another avenue that you can also look into is the
Ramadan eBazaar portal
 hosted on the SME Corporation Malaysia (SME Corp) website. SME Corp is essentially an agency under the Ministry of Entrepreneur Development and Cooperatives (MEDAC) that coordinates the implementation of development programmes for SMEs. In this portal, you’ll be able to search for various online bazaars across various platforms, including dedicated websites, Facebook, and even Telegram.

***

While the Covid-19 pandemic and MCO restrictions have certainly made this year’s Ramadan bazaar experience an extraordinary one, this list is clear proof that the Ramadan spirit is not lost. As you indulge in your favourites through these online bazaars, though, remember to continue practising social distancing and proper hygiene.

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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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Lazada Matches Donations To Supporting NGOs For Covid-19 Campaign, LazadaForGood

In a new partnership with UNICEF, Lazada is opening a new donation channel on the e-commerce platform to allow Malaysians to donate directly to efforts combating the Covid-19 pandemic in the country.

As an added bonus to encourage Malaysians to contribute through its new Covid-19 donation campaign, Lazada is matching donations from 1-4 April 2020. During this period, Lazada will match the total donation amount made through LazadaForGood in equivalent ringgit-to-ringgit value up to a maximum of USD100,000, which is approximately RM431,000.

LazadaForGood is a collaboration with NGO partners in Malaysia, aimed at raising funds to target specific causes during the ongoing Covid-19 pandemic. These causes include supporting vulnerable populations, frontliners, and mental health amidst the current pandemic situation in the country.

At present, there are three participating NGO partners under LazadaForGood: MERCY Malaysia, the Malaysian Red Crescent Society, and UNICEF. According to the e-commerce site, LazadaForGood has started small on 1 April but hopes to expand with support from its customers. Official NGO partners under LazadaForGood will be updated on the
main campaign page
, and the donation pages for all recognised partners will bear the official LazMall tag.

To donate through LazadaForGood, you can look through the options offered under the campaign and select the donation of your choice. The donation options come with a set donation value and also indicate how the funds will be used; for example, you can donate RM100 to UNICEF to provide surgical masks for frontliners or donate RM1,000 to the Malaysian Red Crescent Society to help feed four families for a month.

Once you’ve selected the donation and clicked on “Buy Now”, the rest of the process is similar to a normal purchase on Lazada. You will receive a tax receipt in your email within 10 calendar days after your donation is made, which can be kept for tax deduction purposes.

You can find out more about
LazadaForGood on its main page
 and also in the
FAQ here
.

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Jacie Tan

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    Anonymous

    2 years ago

Good read

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HSBC Credit Card Cashback Swipe 5 Promotion

Fancy getting more cashback the more you swipe. Well then you don’t want to miss out on this HSBC credit card offer. Cardholders that spend a minimum of RM80 in a single receipt on at least five swipes stand a chance to receive RM50 cashback on their fifth swipe. And as a bonus, cardholders that spend more than RM500 in a single receipt in any one of those five swipes are also eligible to receive a further RM50 cashback.

There is a maximum of RM600,000 cashback to be given out during this promotion period lasting from 5 March 2013 till 30 April 2013. A RM75,000 weekly cap is implemented and cashback offers are subject to a first come first serve basis. The maximum cashback that each cardholder is eligible to receive is throughout the promotion period will be dependent on the highest type of credit card they own and is capped at RM250 and RM150. Please refer to HSBC’s Swipe 5 Promotion
Terms & Conditions
 page for a list of eligible credit cards and their cashback cap category.

Cashback is eligible only for local and overseas transactions from the following categories: Shopping, Entertainment, Petrol, F&B, Departmental, Hotel, Travel or Groceries.

HSBC cardholders interested in participating in this promotion are required to register via SMS. Please see the
promotional website
 for registration details.

Interested in getting a HSBC credit card? Find the right card for you at RinggitPlus.com’s
credit card aggregator
.

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How Much Do You Know About Investment-Linked Insurance?

Investment-linked insurance is a unique and flexible insurance/takaful protection plan that comes with a savings or cash value feature. It acts as a life insurance/family takaful plan that offer you both protection and the element of investment too. As with any policy you take on, you should be aware of the short-term and long-term commitments you are agreeing to – so that you can choose a plan that is within your budget and works well into your future too.

Investment-linked policies offer you the possibility of promising returns while giving protection against death. To ensure that you have the sufficient knowledge and information needed before entering into a policy, make sure that you have a good understanding of investment-linked insurance/takaful as well as the other miscellaneous factors that come into play in order to decide whether or not to start one.

Life Insurance Association of Malaysia (LIAM)
 official website to find out more about investment-linked insurance policies and the
Malaysian Takaful Association (MTA)
 site for information about investment-linked takaful.

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Redeem Flights, Hotels, And More When You Convert Bank Points To Enrich Points

As the end of the first quarter of 2023 approaches, many of us have started yearning for a relaxing holiday to unwind and recharge amidst the nearing deadlines and growing workloads. Thus it’s no surprise that more people are travelling both domestically and internationally, making vacation plans throughout the year.

Whether it’s to cross off destinations on our bucket list or to fly home to visit our loved ones during festive seasons, the act of travelling has returned to our lives and cemented itself as a part of our plans this year.

If you have already started planning a trip in the near future, we have good news for you!

Malaysia Airlines is back once again with its Bank Conversion campaign! Convert your bank points from participating banks to Enrich Points with 10% bonus points, and you’ll be able to redeem flights, hotel stays, and more for a limited time only. Better yet, you’ll be able to use your Enrich Points during the upcoming Take Off Redemption Deals happening on the 9th March 2023.

Interested? Here are a few different ways you can maximise your Enrich Points for redemption:

Fly MH For Your Next Holiday

Flying somewhere soon? Book your flight with Malaysia Airlines and enjoy savings on tickets with Enrich Saver. You can buy air tickets at the lowest fixed rate using Enrich Points, and enjoy the option of flying Malaysia Airlines any time of the year.

The advantage of using Enrich Saver is that you’ll be able to enjoy the same redemption rate no matter the distance or travel season. Perfect for those who are flying during peak festive seasons!

Upgrade Your Seat From Economy to Business Class

Already flying somewhere? You can use your Enrich Points to upgrade your ticket from Economy to Business Class easily. You can perform an upgrade online for any domestic or international flights, and you’ll be open to a host of new privileges. Some of these privileges include fast-tracking your processes from check-in to boarding your flight, as well as a higher level of comfort with perks, such as access to premium lounge facilities for some pre-departure relaxation.

Book Amazing Hotel Stays

The perfect getaway is not complete without a place to stay in your destination. Use your Enrich points to book your next stay at enrichhotels.com, which is Enrich’s very own booking platform.

With over 400,000 properties worldwide, you can choose to stay at some of the most reputable hotel chains in the world, providing an extensive selection of hotels to suit all needs and preferences.

Other Lifestyle Benefits Await

Even if you’re not travelling anytime soon, you’ll still be able to redeem your Enrich Points for e-Vouchers and e-Giftcards. Whether you’re looking to treat someone special or yourself, there’s a wide range of lifestyle rewards you can choose from.

You can redeem vouchers from lifestyle partners and renowned brands including Sunway Lagoon, Dadi Cinema, and  Lazada – just to name a few. If you’re a foodie, you could also experience exquisite dining at highly rated hotels at Lexis, Hilton, TheRuma and more using your Points – the choice is yours!

***

Convinced? Here’s how you can start converting your bank points to Enrich Points today. Just follow these steps:

Step 1 –
Contact the call centre of your respective bank to perform your credit card points conversion.

Step 2 –
Allow 14 working days for your Enrich Points to be credited to your account.

Step 3 –
Check your account for converted points. Enjoy!

For more information, click here to visit the
website
.

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Kiasu ways to save money (that you shouldn’t try)

As much as many would like to think it’s a Singaporean trait we Malaysians can be kiasu too. What does it mean to be kiasu? It means not wanting to lose out. Getting the best for our money and time; and being the best.

For many everyday Malaysians, it means squeezing every last bit of value we can for our money which on its own isn’t a bad thing. We should be getting value for our money.

The problem happens when being kiasu trumps everything else including civic-mindedness, kindness and basic humanity.

Here are some kiasu ways to save money that we shouldn’t be emulating.

1. Stampeding at warehouse sales

Warehouse sales can be cheap. We get it – you want a good deal and the first in gets to cherry pick the best stuff. But watching stampeding hordes trample people and disregard children and pregnant women is truly scary. Why do we forget ourselves and the people around us because we are blinded by a sign blaring discounts? Is that really cheap item worth hurting someone?

2. ‘Appropriating’ hotel supplies

Those who’ve worked in hotels have probably seen this too many times. The shampoo and toiletries are there for your taking but many go so far as to nick bathrobes, towels, glasses and sometimes water kettles! In fact, a worker at a five-star hotel in Kuala Lumpur shared with us how some youths had attempted to steal the television set too!

Of course there’s a huge difference between taking a towel and a television but neither should’ve been taken in the first place. We’ve paid the hotel to provide us lodging and some creature comforts (depending on the price of the hotel!) but we haven’t paid them for all the items in it.

By all means, take the toiletries and whatever vanity packs the hotel gives you free but when you’re hiding appliances in your luggage; don’t you reckon you’ve cross the line?

3. Eating other people’s food

There have been many variations of this: colleagues eating food in the office fridge that doesn’t belong to them; roommates not sharing the cost of groceries but helping themselves to it; dorm mates stealing from each other.

If you really need food and are strapped for cash, we doubt your roommate; house mate or colleague will say no to giving you something. But asking first is the right thing to do.

4. Treating mall toystores like a playground

It is no doubt expensive to send a child to daycare when your shopping needs to get done. Rather than have a child going “Mom! I want this!” at every turn, you leave the little guy in a toystore. Not only is this ridiculously dangerous at a time where children are going missing left, right and centre; but you leave the child at the responsibility of the toystore and the toys (which are for sale!) at the mercy of your young children.

“Saturdays and Sundays are mad. Parents leave their kids here. We’ve had so many damaged toys, opened boxes and crying children to the point that we started asking our cashiers and sales assistants to keep an eye on the kids they see alone in the store. It’s not only a drain on our personnel resources but also our stock that is constantly damaged. At the end of it, these parents don’t even purchase a toy,” said a toy store worker who didn’t want to be named.

“That is not to say all parents are like that. But the ones that are really cause a lot of losses.”

5. Treating all store items like ‘testers’

Being kiasualso means making sure we are paying for something we really want, that will be really useful to us. Again, this starts off as an awesome trait to have until it goes too far. Some go to the extent of open food packages to sample the food items; read books in bookstores until the spines are bent but not purchasing it; and opening packaging that in turn compromises the sale of the item. Stores are forced to either markdown such items significantly or not sell the item at all and this contributes to unnecessary wastage.

Spare a thought for the next buyer and the environment. If something isn’t meant to be tested before; take the risk or move on to something you are comfortable with.

Wanting to get more for your money is a very good trait to have but causing unfair loss to others isn’t a nice thing to do. Hopefully, you’re not guilty of these kiasu money sins!

*Pictures courtesy of FreeDigitalPhotos.net and Wikimedia Commons.

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SC Hosts InvestSmart Fest 2022 To Educate Investors On Scam, Boost Financial Literacy

The Securities Commission Malaysia (SC) is once again hosting its annual InvestSmart Fest this year, this time with the theme Silap Labur Duit Lebur. This is following the SC’s observation that many Malaysian investors have unrealistic expectations regarding investment returns, mainly due to misconceptions that they hold about risk and returns. This, in turn, caused them to be especially susceptible to scammers.

“Low financial literacy makes investors vulnerable to unlicensed activities and scams,” said the capital market regulator in a statement, adding that its observation also showed Malaysians to have a low level of awareness and knowledge of investment and capital market products. These findings are based on data collected from 1,800 enquiries that the SC received in the first nine months of 2022, related to investment scams and unlicensed activities.

The SC further noted that scammers typically entice victims using investment packages or claims of unrealistic guaranteed high returns with no risk. These are usually forwarded using social media – such as Facebook, Instagram, and TikTok – or messaging channels like Telegram and WhatsApp.

(Image: Bernama)

The chairman of SC, Datuk Seri Awang Adek Hussin also highlighted that the regulator has been proactive in monitoring the Internet for suspicious capital market activities, issuing near daily updates and warnings through the SC Investor Alert List. “The porous and open nature of the Internet means that we cannot be everywhere to safeguard investors. Therefore, the best course of action investors can take to avoid falling prey to investment scams and unlicensed activities is to equip themselves with better financial knowledge,” he stressed.

As such, the SC hopes to begin addressing the situation through the InvestSmart Fest 2022, which will be held from 14 to 16 October 2022 at the KL Convention Centre (Hall 5) – with free admission to the public. It is also to be held in conjunction with the Financial Literacy Month 2022 and the World Investor Week 2022.

(Image: The Tokenist)

Accordingly, the fest will feature over 40 exhibitors to help boost financial literacy and educate the public about investment scams. These include entities such as the Financial Education Network (FEN), Bursa Malaysia, and the Employees Provident Fund (EPF). It will also see the attendance of fintech players – like Luno Malaysia and Wahed Investment – as well as investment banks and other capital market products and services providers.

Aside from these exhibitors, the InvestSmart Fest will also feature talks, panel discussions, and fireside chats by leading financial and investment experts. Visitors can also seek investment and retirement planning guidance from licensed financial planners via free #FinPlan4U financial planning sessions, available physically and virtually.

(Source:
Securities Commission Malaysia
)

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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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(Updated) Some Bill Payment Channels Will Implement RM0.50 Surcharge For Astro Bills From 1 January 2021

(Image: The Sun Daily)

UPDATE 18 December:
Astro has reached out to us to clarify that the surcharges are implemented by the payment channels and not by Astro. In addition, another payment channel, e-pay, will also implement the surcharge effective 16 January 2021. The article below has been updated with the new information.

Effective 1 January 2021, Astro customers who pay their bills via certain retailers, convenience shops, kiosks, and e-wallets will incur an additional fee of up to RM0.50 per transaction. The affected payment channels include various e-wallets, physical retail outlets such as 7-Eleven and 99 Speedmart, as well as online e-commerce platforms Lazada and Shopee.

According to Astro’s announcement on its website, the surcharge will be charged by the appointed collection agencies of RMS (previously Razer/MOL), ATX, e-Pay, and MobilityOne. Here’s the full list of the payment channels that will be affected by this change for your reference:

Payment service providers

Retailers/Convenience shops/Kiosks

E-wallets

RMS (Razer/MOL)

–          7-Eleven

–          99 Speedmart

–          Razer Pay

ATX

–          RedONEShop

–          Mobile Money

–          MyPOSPay

–          Runcit Hero

–          Parcel Hub (courier shops)

–          Kiosks

–          Boost

–          GoPayz

–          KelantanPay

–          PahangGo

–          TaPay

–          GoPay

–          Merchantrade Money

–          Tone Group

–          Elinking

–          MPay

–          MCash

–          Various other smaller e-wallets

MobilityOne

–          Kedai D’mart

–          TMpoint

–          Pasaraya Sakan

–          Various other sundry shops

N/A

e-Pay (from 16 January 2021)

–          Petrol stations (BHP, Caltex, Petronas, Shell)

–          Family Mart

–          MyNews

–          EconSave

–          Mydin

–          Guardian

–          Watsons

–          Giant

–          Touch ‘n Go eWallet

–          GrabPay

–          Lazada

–          Shopee

(Image: New Straits Times)

Based on the information provided by Astro, it appears the surcharge will apply for nearly all payment channels – except for JomPay and online banking platforms. Astro also offers various payment channels of its own, which also remain surcharge-free. These range from AstroQuickPay, the Astro Self-Service portal, the My Astro app, Astro’s customer service centres, as well as through Channel 200 on Astro itself.

Not to forget, given that Astro is not classified under utilities, you can still earn credit card cashback by using Astro’s various online payment channels and not be charged any surcharges.

Find out more about
Astro’s updated payment options
 here on its 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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    Ahmad

    2 years ago

😡😡😡

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    Karim Ahmad

    2 years ago

I am one of the retailers affected by this new charging method for Astro bills and we feel that it is an unfair and untrue statement to say that the surcharge is implemented by the payment agency. We are a chain retailer, and we have Mobility1 and e-pay for Astro bill payment services. We were made aware about a month ago that Astro is reducing the bill payment collection agency commission by almost 50% and Astro wants the retailers to charge consumers RM0.50 to reduce/subsidize the commissions being paid to retailers. Astro forced implemented the surcharge of RM0.50 even when
…
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Things To Consider When Building Your Next Gaming PC

For decades, people have looked to video games as a means to enjoy themselves, bond with others, and at times, improve their skills. From arcade machines to VR consoles, video games can be a highly social activity and may help in relieving stress. To no surprise,
more than 60% of Malaysians
 between 16 to 34 years old consider themselves online gamers based on a study in 2020.

While some may even consider making esports their career, many are just casual gamers. With so many products available in the market, it may get overwhelming to build a gaming rig that suits your play style and ticks all the boxes.

Say there’s a frame rate you prefer or a certain nice-to-have feature you’ve been thinking about, building your very own machine allows you to fulfil all your preferences while leaving room for upgrades in the future. Plus, you can build it based on what your financial situation permits.

Let’s go through some things to consider when building your next gaming PC.

1. A Powerful CPU

It’s essential to have a Central Processing Unit that can handle challenges if you want to get the most out of your gaming experience. After all, it is the part of your machine that retrieves and executes instructions. Making sure you get a CPU that’s able to achieve all that you have in mind will be easier if you understand how clock speed and core count affect the gaming experience.

If superior performance and multitasking are what you seek, then you may want to consider the latest
12th Gen Intel® Core™ processors
.

The latest 12th Gen Intel® Core™ processors offer a unique combination of Performance and Efficient-cores thanks to their ground-breaking revolutionary performance hybrid architecture (P-core and E-core). What entails is a superb performance all-around, beyond just gaming. Machines equipped with the 12th Gen Intel® Core™ processors could be a great match for creatives, creators, streamers, and also the everyday user.

The processors come complete with Intel® Thread Director, which ensures that workloads are prioritised and managed accordingly, so you can game without jeopardising your performance. Not only that, users will get to enjoy the industry-leading overclocking tools with separate controls for the ultimate performance customisation.

2. An Outstanding GPU

The Graphics Processing Unit, also known as a graphics card, is a specialised processing unit that renders images, video, and animations. A GPU is designed for multitasking; it has hundreds to thousands of tiny cores to manage thousands of threads (or instructions) simultaneously, whereas a CPU utilises many cores that are focused on sequential processing.

If you intend to play games at a higher resolution or at a faster frame rate, or even both, you will most likely require a mid- or high-level GPU. With the current standards of new GPUs and their parallel processing, videos and graphics render quicker and easier, making life that much more enjoyable for gamers, video editors, and creators alike.

3. A Capable Motherboard

Selecting the best motherboard for your gaming experience is a critical step when you’re building your gaming PC. The motherboard, which connects all of your computer’s performance-related components, is essential for gaming.

The motherboard serves as a communication bridge between the different parts of your computer, such as your CPU, GPU, hard drive, and RAM. The majority of popular motherboards will let you choose your graphics card, but which motherboard you choose will determine what other expansion cards you can buy. You’ll need a motherboard with an LGA 1700 socket as well as overclocking support if you plan to get the 12th Gen Intel® Core™ processors and maximise your gaming experience.

Your motherboard has the ability to affect the overall performance of your graphics card and processor, so it’s best to find one that can keep up with your technical needs.

Your New Gaming PC With JOI® Awaits

Building your gaming PC can get complicated, but fret not because you can build your very own Gaming PC with JOI® starting from RM4,299 (powered by 12th Gen Intel® Core™ i5 Processor).

Choose from four assemble-ready options complete with Windows 11 Pro, Logitech G502 Hero High Performance Gaming Mouse & G512 Mechanical Gaming Keyboard (worth RM449), as well as a 3-year nationwide warranty.

When you equip yourself with the 12th Gen Intel® Core™ processor, you’ll get to enjoy:

PCIe 5.0 readiness
: Up to 20 lanes (16 PCIe 5.0 and 4 PCIe 4.0) that enable optimal discrete graphics and storage performance by enabling higher bandwidth connection points.

DDR5:
 Fast speeds up to 4800 MT/s for increased memory bandwidth speeds compared to previous generations that use DDR4 3200 MT/s memory.

Intel® UHD Graphics
: Enjoy vivid, enhanced visual support for up to 8K HDR video in billions of colors and up to 4 simultaneous 4K displays.

Intel® Wi-Fi 6E (Gig+):
 Exclusive, high-speed channels with nearly 3x faster connectivity without the interference for smooth, high-quality streaming all-day long.

Are you ready to take your gaming experience to new heights? Give yourself the 12th Gen Intel® Core™ processor treatment and enjoy its suite of future-ready features.

Click here
 to build your gaming PC with JOI®, as powered by Intel®.

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How to Pack Light and Get More Value

If you’re travelling soon and looking for better ways to #GetMore value-for-money travel tips, look no further, we’ve got another installment of our weekly #GetMore travel articles.

This week, we’re giving you the skinny on packing light for your next holiday. Chronic over-packers, this one is for you. Don’t pay more for overstuffed baggage again with these tips.

Paying More For Big Bags

To say it’s difficult to lug around your overstuffed, tonne-of-bricks travel bag, is putting things lightly. Yet, so many of us panic at the thought of being even a little under-prepared that we over do it and pack excessively.

But did you know you could #GetMore for the baggage limit you are allotted and spend less money by simply packing smart?

Yes, it’s a truth universally acknowledged that travellers in possession of heavy luggage exceeding the checked baggage allowance will have to pay, a lot.

For instance, some low-cost carriers like Air Asia, does not check baggage for free. It instead charges RM58 for checked baggage weighing up to 20kg (for a flight from KL to Bali) with excess baggage charges of RM50 per kg.

Yup, you read that right, 1kg – which is approximately, equivalent to:

a) two 500ml mineral water bottles or,

b) a large dictionary or,

c) 3 cans of carbonated soda.

See how easy it is to pile on the kilos in your luggage? Not to mention the expenses. You could easily buy all those items at your destination for RM50!

Full-service airlines usually give free allowances of checked luggage, Malaysia Airlines, for instance, gives a maximum of 30kg for economy passengers.

That is rather generous but still, if you’re a heavy packer, it’s easy to exceed allowances and be saddled with excess baggage charges. (For a flight from KL to Bali, a 3kg block of excess baggage would cost RM108)

You could end up paying a whole lot more in excess baggage fees if travelling further or taking connecting flights. If this isn’t reason enough to pack light, we don’t know what is.

How to Pack Light?

Seems simple enough, just take less stuff with you, right? Well actually, it’s better to pack smart rather than just limit your travel gear. Here’s how to do it.

Tip 1. Pack only what you need

If you’ve heard it once, you’ve heard it a thousand times. You don’t need to pack for the eventualities of winter, summer and spring if you’re going to travel Thailand for a week.

Don’t fret if you haven’t packed enough of the basics like shower gel or shaving cream. Your hotel should provide you with these for free and if not, just pick some up at a local store.

Attempting to pack for every occasion will send you into a spending tailspin before the big trip, and this can quickly eat up your travel funds.

Tip 2. Go clothes-LESS

This is where most of us get caught; the idea of running out of things to wear is just too much to bear for some. However, with clever planning, your weighty wardrobe needs can be easily met even as you pack less clothes.

If you do indeed run out, simply take advantage of complimentary laundry services available with some hotels.

Travel experts advise to carry, at most, a week’s worth of clothes and if you can manage it, cut out another 20%. As you plan what you need, remember to pack outfits with which you can mix-and-match easily. Stick to a range of neutrals and just one special party outfit.

Tip 3. Take light reading literally

Relaxing by the beach with a good book is the ultimate way to relax for some but hefty hardcovers take up space and add bulk to the luggage.

Opt instead for paperbacks or better yet, get an electronic version to read on your phone. Smartphones these days can easily read books with the help of downloaded apps.

If you’re the type who wants a good lot of books to choose from – bring your e-book reader.

Tip 4. Leave room for shopping

Keep space for mementoes and other shopping that you will no doubt pick up along the way.

Planning for your holiday purchases mean freeing up space in your luggage well before you even make your journey.

Don’t let your purchases cost any more than the additional you may pay through a higher exchange rate by preventing the onslaught of an excess baggage charge.

Tip 5. Travel with just a carry-on

So many have chosen to travel light with a single carry-on and have never looked ‘bag’ since. Why? Because it makes travelling so much more convenient!

Think about it, you’ll avoid spending time waiting in baggage claim areas or dealing with lost luggage. It’s also a lot more freeing to explore a new country with just one bag than trying to lug a gigantic wheelie luggage bag through an unfamiliar city with map in hand.

But best of all, it helps you stretch your travel funds. Don’t believe us? Here’s how you can #GetMore savings by simply packing light:

1) You don’t have to spend on monstrously huge and expensive luggage sets, just one small, quality travel bag.

2) You won’t waste money by purchasing ‘just in case’ items since there’s no place for it.

3) You’ll buy less on your trip – only the most worthy souvenirs.

4) You don’t need to pay for checked baggage fees, especially budget ones that don’t give free allowances.

5) You won’t need to fork out another sen on excess baggage charges.

More Ways to #GetMore

Adding value to your trip is not strictly about money and how little of it you spend, instead, truly valuable travel gives you the best experience possible for the money you will spend anyway.

And there are so many ways you can do this; travelling light is just one of them. If you have a
regular
 or
travel credit card
, find out about the exclusive perks or benefits that come with and if you’re not satisfied, a change might be just what you need.

Don’t settle for less, it’s time to #GetMore!

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

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AirAsia Super App, CGS-CIMB Team Up To Roll Out Share Trading Feature

Capital A Berhad’s airasia Super App has partnered with CGS-CIMB Securities Sdn Bhd to roll out a new stock trading feature, thereby making equity investing more accessible, affordable, and inclusive for the public. This is especially so for the unserved and underserved segment.

The collaboration will see both airasia Super App and CGS-CIMB Securities bringing together their respective expertise, consumer insights, and strategies to democratise capital market offerings. This includes leveraging on the simplicity and convenience offered via airasia Super App’s platform, as well as CGS-CIMB Securities’ investment-as-a-service model.

The deputy chief executive officer of CGS-CIMB Securities, Alan Inn explained that the upcoming feature will tap into the concept of fractional share trading as a means to make share ownership accessible.

(Image: Asia Asset Management)

“Today, in the various platforms we see in Malaysia, apart from the platforms which are typically difficult to use, people buy stocks in one lot – which is 100 shares on Bursa Malaysia – we are going to change that so that customers do not have to buy in lots but in dollar terms. For example, if a customer has US$100 or RM100 and wants to buy Maybank or CIMB shares for a RM100 worth, that typically will be less than one lot, and we are going to enable that,” said Inn.

The chief fintech officer of airasia Super App, Mohamad Hafidz Fadzil further shared that the new service is slated to be available within the next six months. “The work starts after the MoU signing. There are, of course, the considerations around regulations which we have to make sure that it is done correctly, and according to what the Securities Commission Malaysia and regulators ask us to do. Right now, we have already started engaging the regulators to ensure that [our product] is within the confines of the regulation. Once that is clear, we will be hitting the market very quickly,” he said.

Mohamad Hafidz also commented that they need to develop the new feature so that it will be a good fit for the community that is already within the airasia Super App itself, and he hopes to get it done quickly “because we want to develop the ability for our users to collect extra wealth.”

(Image: The Malaysian Reserve)

Meanwhile, the chief executive officer of Capital A, Tan Sri Tony Fernandes chimed in to say that this collaboration was inspired by the rise of US-based stock and crypto trading service provider Robinhood. “For airasia Super App to do it by ourselves would take a long time to get regulatory approvals, plus [stockbroking] is not our expertise. As we move forward, this will become a joint venture to really democratise institutional broking,” he said.

Capital A and CGS-CIMB Securities also shared that stock trading is only the first of many other products to come via their collaboration. Other instruments that the public can expect to see being offered in the future include fixed income, bonds, futures, contract for difference (CFD), and crypto. There are also plans to enable portfolio management through a robo-advisory type platform.

(Sources:
AirAsia
,
The Edge Markets
)

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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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BNM: E-Money Liabilities Grow Significantly To RM1.6 Billion Over Past 5 Years

(Image: The Sun Daily)

Bank Negara Malaysia (BNM) has revealed that e-money liabilities have grown significantly from RM0.5 billion to RM1.6 billion over the past five years. E-money is a payment instrument which stores monetary value that is paid in advance by the user to an e-money issuer, and e-money liabilities are the funds collected by these issuers from their customers.

In its e-money exposure draft published today, the central bank said that the use of e-money for payments has steadily recorded double-digit growth over the last five years, with the form of e-money progressing from traditional stored-value cards to network-based solutions such as online accounts or e-wallets.

E-money represents 33% of the total electronic payments (e-payments) in Malaysia. E-wallet transactions in particular have seen a 131% increase to RM0.6 billion in 2020 compared to RM0.3 billion in 2019.

(Image: New Straits Times)

“Therefore, given the growing prominence of e-money in the e-payments landscape, enhancements to the e-money regulatory framework are needed to ensure e-money continues to be a safe and reliable payment instrument amidst the increase in functionalities and evolvement in the enabling technology,” said BNM. “It is important to ensure the safety of the e-money funds/float and the soundness of the EMIs in order to mitigate potential risk of loss to customers, as well as, to foster public confidence in the use of e-money.”

BN
M’s exposure draft
sets out the central bank’s proposed requirements and guidance for e-money issuers. BNM is currently inviting written feedback on the proposals in the exposure draft, including suggestions on areas that should be clarified or elaborated further and any alternative proposals that should be considered.

(Source:
The Edge Markets
)

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Win Big With Unbox This Week With iPad Air, Apple Watch Series 8, iPhone SE  And More

We’re back with another week of amazing prizes on Unbox This Week! Stand a chance to take home Apple products such as an iPad Air M1 along with the Apple Watch Series 8, a selection of audio gear for music lovers, and more when you apply for a credit card from RinggitPlus this week.

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 14 August to 21 August, our featured bank partners are

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

Standard Chartered – JBL Tour One M2 Wireless Over-Ear Noise Cancelling Headphones

Music lovers rejoice! Apply for a Standard Chartered credit card this week and you’ll get the JBL Tour One M2 Wireless Over-Ear Noise Cancelling Headphones, guaranteed.
Whether it’s listening to music or your favourite podcasts, these headphones utilise True Adaptive Noise Cancelling Technology with 4 noise-sensing mics to adjust to your surroundings in real time, which helps you to minimise distractions. This will allow you to focus on what you’re listening to, no matter where you are.
Just remember, you will need to activate your card within 30 days upon approval to be eligible for this gift. Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can apply for your new Standard Chartered credit card
here
.

HSBC Bank – Apple Watch Series 8

You could win an Apple Watch Series 8 when you apply for an HSBC credit card this month!
Get deeper insights into your health with the Apple Watch Series 8. The watch is equipped with a temperature sensor – which is especially useful for tracking ovulation and sleep patterns. It’s also equipped with Apple Pay, so you can pay for cashless transactions on the go.
You’ll still be able to take home a guaranteed RM500 in Touch ‘n Go eWallet Credit if you don’t win the Apple Watch Series 8!
Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for this gift. That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your HSBC credit card
here
.

UOB – Apple iPad Air M1

Stand a chance to win the Apple iPad Air M1 when you apply for a UOB credit card.
With an immersive 10.9-inch Liquid Retina display, the iPad Air M1 utilises the breakthrough Apple M1 chip, making it a creative and mobile gaming powerhouse. Featuring Touch ID, 12MP front and back cameras, blazing-fast wireless, and USB-C charging port, the iPad Air M1 is the go-to device for both work and play.
If you don’t win the iPad Air M1, you’ll still get a guaranteed RM250 in TNG eWallet Credit as a gift.
To redeem your gift, apply for your card via the RinggitPlus website, get approved by UOB, and activate your card. Apply for your UOB credit card
here
.

RHB – Apple iPhone SE

You could be taking home an iPhone! Win an iPhone SE when you apply for an RHB card this week.

The iPhone SE features a lightning-fast A15 Bionic chip and a long battery life, so you’ll be able to perform your tasks on your smartphone with no lags throughout the day. Plus, it packs an advanced camera system with a 12MP wide camera which allows you to take stunning photos.

You’ll still get guaranteed RM300 cash via DuitNow if you don’t win the iPhone SE.

Once approved, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the gift. Existing cardholders of any RHB Bank credit card and individuals who have held or cancelled an RHB Bank credit card in the past six months are not eligible for this campaign. Apply for an RHB Bank Credit Card
here
.

Alliance Bank – Tribit Flybuds C2 True Wireless Earbuds Or URBANLite Ledge 24” Luggage

Apply for a new Alliance Bank Credit Card and you’ll be able to take home a guaranteed pair of Tribit Flybuds C2 True Wireless Earbuds or URBANLite Ledge 24” Luggage this week!

You’ll be guaranteed the Tribit Flybuds C2 True Wireless Earbuds when you apply for an Alliance Bank Credit Card with Balance Transfer. The wireless earbuds feature crystal-clear stereo sound, with a lightweight design for maximum comfort. You’ll also be able to connect your devices with its Bluetooth function, allowing you to make and receive calls.

Applying for an Alliance Bank Credit Card without Balance Transfer? You’ll receive the URBANLite Ledge 24” Luggage. What makes this luggage the perfect accessory for travelling is its hard case that protects your items on your adventures, as well as a telescopic trolley handle for easy steering.

Upon approval, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the gift. Existing cardholders of any Alliance Bank credit card and individuals who have held or cancelled an Alliance Bank credit card in the past six months are not eligible for this campaign. Apply for an Alliance Bank Credit Card
here
.

Public Bank – JBL Wave 100TWS True Wireless Earbuds

Applying for a Public Bank credit card this week? You’ll receive the JBL Wave 100TWS True Wireless Earbuds. The earbuds are the perfect accessory for listening to music thanks to their powerful JBL Deep Bass sound and long-life battery – allowing you to listen to music comfortably for up to 20 hours.

All you need to do is complete your application via the RinggitPlus website, get approved by Public Bank, and make an accumulative spend of RM250 within sixty (60) days of approval to be guaranteed this gift. Apply for your Public Bank credit card
here
.

***

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

While this week’s flash deal ends on 21 August 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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Eloise Lau

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Minister: Government To Continue Providing Targeted Assistance Under 12MP

(Image: Bernama)

Minister in the Prime Minister’s Department (Economy), Datuk Seri Mustapa Mohamed has reassured the public that targeted assistance will continue to be provided under the 12
th
 Malaysia Plan (12MP) despite the country’s widened fiscal deficit at almost 7%.

The minister reiterated that part of the community should receive assistance, and that it is the government’s responsibility to help them. “For those who are bedridden, unable to work, [and] people with serious disabilities, it is the government’s responsibility to protect their interests,” he said, adding that the government spends about RM25 billion each year on various assistance. These include aids provided through the Social Welfare Department, scholarships, and subsidies.

For context, Prime Minister Datuk Seri Ismail Sabri Yaakob had unveiled the
12
th
 Malaysia Plan (12MP)
 yesterday, detailing the various targets that the government hopes to achieve between 2021 to 2025. One of the main focuses mentioned is the goal to improve the welfare of the B40 and M40 income groups.

(Image: Asia Insurance Review)

In light of the aim, targeted assistance such as cash handouts and social protection will be continued to help increase income and address the rising cost of living for B40 households as well as vulnerable groups. Additionally, the prime minister also noted that the country’s fiscal deficit had widened to 6.2% of the country’s gross domestic product (GDP) due to the mayhem caused by the Covid-19 pandemic.

Aside from commenting on the provision of targeted assistance, Datuk Seri Mustapa also stated that the government is in the midst of developing a
social protection database
, where all types of assistance that can obtained by each recipient will be featured. The project – which was proposed by former prime minister Tan Sri Muhyiddin Yassin – is expected to be fully completed by the end of October 2021.

(Source:
Malay Mail
)

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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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RHB To Terminate Its RHB Now Internet And Mobile Banking Platforms

RHB Bank has announced that it is discontinuing its classic RHB Now Internet and Mobile Banking platforms, effective 31 March 2023. Following that, customers who wish to perform online transactions will need to migrate over to the new RHB Online and Mobile Banking platforms instead.

In a notice to customers, RHB said that the decision to terminate the classic RHB Now platform was made in a bid to “ensure you [the customers] are protected by the latest security enhancements and are able to enjoy our newest online banking features”. Customers are also encouraged to immediately migrate their recurring transactions and favourite accounts in RHB Now to the new online banking platform for a smooth transition – although the process will have to be done manually.

To do so, go ahead and log in to the new
RHB Online Banking platform
 with your existing RHB Now username and password; you will not need to open a new account. Once logged in, you can then do the following:

Set up your recurring transactions by clicking the “Enable Recurring” button on the Payment/Recipient Details page

Add favourite payee accounts via the “Add to Favourite” feature, or through Account Settings

RHB also advised customers to remove all their recurring transactions from RHB Now in order to enjoy smoother transactions on the new platforms. “With these simple steps, you will be able to carry out fast and seamless banking, complete with the latest online banking features and security enhancements that will protect your transactions anywhere, anytime,” it further highlighted.

If you have any enquiries regarding the termination of RHB Now, or the transition to the new RHB Online Banking and Mobile Banking platforms, you can call the bank’s contact centre at +603 9206 8118 or send an email to
[email protected]
. Alternatively, you can also use the bank’s
online feedback form
 or message them on the
RHB Group Facebook page
.

(Source:
RHB Bank
)

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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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How to Get 4 Cameras for the Price of One Smartphone

They say the best tool is the one you have. This adage, of course, points to how it’s better to have a tool, even if it’s not the best than to not have a tool at all. So it follows that the best camera you have with you is the one in your smartphone. But what if the camera you have on your smartphone is already the best camera you can have for what you’re using it for? And that’s a smartphone camera for if it isn’t for selfies?

To this end, Huawei sought to make the camera on your smartphone the best seflie camera you can have with you with the Huawei Nova 2i. Scratch that, the best selfie cameras, plural.

4 Cameras in One Device

You’ve probably seen a dual-camera system on smartphones before. Typically on the back camera where the additional lens provides a secondary feature to enhance the image taken. In the case of the Huawei Nova 2i, both the rear
and
 front cameras are equipped with a dual-camera system. Which means you’re carrying around a total of 4 cameras around with you.

The front camera has a 13 megapixel primary lens and a 2 megapixel secondary lens whereas the back camera has a 16 megapixel lens with a 2 megapixel secondary lens. This allows both cameras to take clear photos under bright sunlight and even low lighting. The two 2 megapixel secondary cameras also act as depth sensors to enable a bokeh effect with natural blurred edges that don’t look fake or simulated.

With the wide aperture mode, you can also control the level of blur in your photos and readjust the photo’s focus even after the shot has been taken. Pretty handy for those who like to tinker with their photos after they’re shot. These features are great for taking photos, but the Huawei Nova 2i is also specifically well-suited for selfies for its…

Brighter Photos Even in the Dark with Smart Ambient Flash

The flashlight on your smartphone is great for lighting up the subject that you’re about to photograph, but did you know that the flash can be so much smarter, too? Huawei Nova 2i for example, uses Smart Ambient Flash to intelligently detect how far the smartphone is from you then adjusts the brightness accordingly.

Huawei Nova 2i also has a front-facing selfie flash so you don’t have to fiddle around looking for the best lighting anymore. Just turn the flash on and have your face lit up just right every single time. The front-facing selfie flash even has a 120-degree wide angle lighting effect to fully cover your entire head and not just one spot on your face. Perfect. Of course, after you take these pictures, you always want to do some editing or add in fun filters. And when you’re looking at the photos you’ve just taken, it helps to have a beautiful screen to view them from…

A Bigger and Clearer Screen with FullView Display

The Huawei Nova 2i also comes with a 5.93-inch FullView display with minimal bezels. The screen runs almost from edge to edge with no physical buttons on the front with a full HD resolution at 1080 x 2160. This gives you a large viewing angle and nothing to distract you from checking out your images, videos, games, or whatever it is you want to see. Checking out videos, games, and images will be snappy too because of…

Fast Performance That Stays Fast, Powered by Kirin

The Huawei Nova 2i is powered by Kirin 659 which combines a 4-core 2.36GHz and a 4-core 1.7GHz processor for optimal resource management. With a 3,340mAh battery on the Nova 2i alongside Huawei’s efficient Emotion UI interface 5.1, you’ll be able to use this device for up to two days on a single charge.

This means you can take as many selfies as you want on your travels or road trips and edit them from your device as much as you want all day long without worrying about your battery running out. Neat.

But is Huawei Nova 2i Worth the Price?

All the features we mentioned above make for a great phone with exceptional selfie-forward camera tech. But that’s not all on offer. Huawei’s Nova 2i recently received a software update with gives the phone two new capabilities: the AR Lens feature and Face Unlock.

AR Lens allows you to use the front-facing cameras to tap into your creativity with augmented reality where you can superimpose yourself in front of famous landmarks, your favourite celebrities, or any other image from your gallery. It also adds filter options much like Snapchat or Instagram that lets you take cute selfies of yourself with bunny ears, puppy tongues, and other adorable augmentations.

Face Unlock on the other hand is a new safety feature previously only available on higher-end flagship phones. This feature lets you unlock your phone’s screen using facial recognition software that employs a three-dimensional approach. The algorithm collects over 1,000 information points on your face in order really dial in on accuracy. In addition, it also prevents the phone from being unlocked when the user’s eyes are closed for extra safety.

With all the bells and whistles on the Huawei Nova 2i, we bet you’re now wondering whether or not it’s going to be expensive. Well, why not check out the specs and see for yourself:

Huawei Nova 2i

Size

150.5x 77.8 x 8.2 mm

Weight

164 grams

Screen

5.93-inch FHD+

Resolution

1080 x 2160 pixels

Storage

64GB

MicroSD card slot

Yes, up to 128GB

RAM

4GB

Battery

3,340mAh

Front Camera

13MP + 2MP

Rear Camera

16MP + 2MP

Price

RM1,099

That’s right. Four cameras for the price of one, a robust, battery-saving processor, big beautiful screen, AR Lens, Face Unlock, and Smart Ambient Flash all for just a little over RM1000. You won’t get a deal better than this out there, we assure you. So
check out Huawei’s official website if you’re keen to get your hands on the Huawei Nova 2i right here
.

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How To Get Your Credit Report For Free

If you’ve ever been rejected for a credit card or loan application and wondered why, a credit report is one of the best ways to show you. A credit report contains information about your credit history, and provides a denomination of your creditworthiness – commonly known as a “credit score”.

Usually, banks will refer to several credit reports provided by licensed credit reporting agencies in order to determine if you are capable of repaying the money that banks lend you (either as a loan or via credit cards). One such credit reporting agency is Experian Information Services (Malaysia) Sdn Bhd (EIS). EIS offers a range of credit information at your disposal, with one of them being a personal credit report service.

A credit report would contain plenty of useful information not just for the financial institutions, but also for the individual. This one report gives you an overview of your financial health, displaying any outstanding credit card balance, loans (personal, home, hire purchase, etc), and even any shareholding or directorship at a company.

EIS’ personal credit report will also display any legal, winding-up, or bankruptcy proceedings conducted against you. One unique feature on EIS’ credit report is it reveals any enquiries that have been made on you by institutions. If a bank requested for a credit report from EIS on you, you can see it here.

The information contained in a credit report is extremely useful for individuals to improve their credit score and increase the chances of securing an approval for a credit card or loan application in the future.

How to get your credit report?

Usually, credit reports provided by licensed credit reporting agencies are not free, with pricing tiers based on a subscription basis, or in how detailed the reports are. For EIS, individuals can choose between Personal Credit Report Basic (RM10.60 per report) and Personal Credit Report Plus with free i-Score (RM15.90 per report).

But, thanks to our partnership with EIS, all RinggitPlus readers will be able to get a copy of their Personal Credit Report Plus
for free
! All you need to do is register on the
special landing page on EIS’ website here
. You’ll need to provide some basic information when prompted on the site, and your Personal Credit Report Plus with free i-Score will be emailed to you.

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    Jeffrey

    3 years ago

When do i get my report

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    GOH

    3 years ago

IT IS NOT FREE, NEED TO PAY. WHY?

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    LING LAI KENG

    2 years ago

I need this

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    Chow wai lean

    2 years ago

Hi can help me I want to apply personal loan

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    Pang Tun Yau

    2 years ago

    Reply to

        Chow wai lean

Hi, if you’re interested, you may apply through our WhatsApp chatbot. Find out more here:
https://ringgitplus.com/en/personal-loan/

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    Muhammad Afiq Mohd Khalid

    2 years ago

I NEED THIS

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    Mohd Azwan

    2 years ago

I need this

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What Type Of Saver Are You?

Along with investing and budgeting, saving has always been a part of an ideal financial plan. Different individuals save for different reasons – for some, it may be for a goal such as to purchase a luxury item or go on holiday, while others save for their children’s education or retirement.

There are several ways to save as well where, we either allocate a percentage of our income into our savings account, save the extra cash at the end of the month or just make sure our savings balance never goes below a certain amount – there’s no right or wrong way. Whichever way you save, the key concept of saving is cultivating the habit of saving.

Moreover, the advancements in technology today allow us to easily track, manage, and maintain our savings, like the UOB Mighty app.

Now, find out what type of saver you are with UOB Malaysia and how the UOB Mighty app can elevate your unique way of saving.

No matter what type of saver you are, you could very well benefit from the help of UOB’s Mighty app and get rewarded with their ongoing RM50 Reward Campaign on top of receiving an RM40 Shopee voucher courtesy of RinggitPlus. The UOB Mighty app is available for download on the Google Playstore, Apple App Store, and Huawei App Gallery. Find more information on UOB’s Mighty app on their website
here
!

UOB is a member of PIDM.
UOB Deposits are protected by PIDM for up to RM250,000 for each depositor.

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

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Clear Your Credit Card Debt With CIMB 0% Balance Transfer

Are you struggling to pay off your credit card bills? You might want to consider transferring your balance to another bank with a lower interest rate to keep on top of things. With CIMB credit cards you’ll get to transfer your existing credit balance onto a 6-month zero percent interest plan.

Let’s break down the
fine print
:

This balance transfer offer is only applicable to new principal cardholders. Existing CIMB cardholders and those who have owned a CIMB credit card prior to this promotion may consider an alternate payment scheme. CIMB Islamic cardholders are also excluded from this promotion.

The minimum balance transfer is RM1000 and maximum transfer is capped at 60% of the total available credit.

Interest charges will commence on the first day of the seventh month from the date your balance was approved. You will be charged an interest rate of 1.5% per month (18% p.a) on your outstanding balance initially.

If you promptly settle your minimum payments for 10 consecutive months the interest rate will be lowered to 1.42% per month (17% p.a.)

If you promptly settle your minimum payments for 12 consecutive months the interest rate will go down to 1.25% per month (15% p.a.)

Minimum payment accounts for 5% your approved balance. A 1% interest rate will be charged to your account should you fail to make your payment by the third day after the due date.

New cardholders of this promotion will not benefit from CIMB’s bonus point programme.

Although the interest charges for this plan is quite high it’s still a good way to clear your existing credit card balance in the first 6 months. If you feel that you will need a longer period to pay off your debt you might consider signing up on a 12 or 24 month balance transfer plan at substantially lower interest rates. You can find out more about these on CIMB’s
Terms & Conditions
 page.

Alternatively, check out our RinggitPlus
page on the best Balance Transfer Cards
 available and make your decision from there. You can even
apply online
.

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Re-Live Your Dream Of Owning A Home: The Happy Chase’s RM1 Booking Is Now On RinggitPlus!

Whether it’s the one-week family vacation in Japan, wedding by the beach, or finally saving enough money to purchase your first, dream home; these are just some plans that you may have to mark your life’s milestones. That is, until Covid-19 caught us by surprise in the beginning of 2020, leaving many of us having to re-consider our plans based on our financial situation.

If you were one of those who were about to make a high downpayment on a house a few months ago – only to have to put on hold your home purchasing plans due to the pandemic – we understand how frustrating it could’ve have been. After all, purchasing a property is probably one of the biggest purchases in a lifetime and the commitments that come with it are considerably significant.

This is where UEM Sunrise comes in, bringing you The Happy Chase campaign that lets you conveniently
book selected UEM Sunrise’s properties at only RM1* with RinggitPlus
! Besides the convenience, you’d also get to
enjoy other attractive benefits to help you re-live your journey to own your dream home.
 Because UEM Sunrise knows that while the fight against Covid-19 is still ongoing, life must go on.

Conveniently Book Your Dream Home With RinggitPlus – We’ve Got Some Treats!

We are excited to share that in their effort to help you Find your Happy, UEM Sunrise is collaborating with RinggitPlus to bring you easy online booking experience for The Happy Chase. This means that
from 16 September 2020 – 15 December 2020
,
you can
book your dream home with just RM1*, through RinggitPlus with no hassle
.
 You can now avoid the traffic and skip the crowd to make your booking in person. Besides, with the current on-going Covid-19 situation, you get to stay safe when you choose to book your property online.

In addition to that, you’d also
receive a free RM50 Lazada e-voucher
for some online shopping treats! The RM50 Lazada e-voucher is limited to the first 200 bookings only, on a first come first served basis. So if you’d like to get your hands on them, you’d have to hurry before it runs out.

Enjoy The Happy Chase Campaign’s Benefits With UEM Sunrise And Be Happy

UEM Sunrise’s The Happy Chase aims to get you back on track on your journey to purchase a home with less hassle, especially financially. With Covid-19 catching Malaysians by surprise, many find themselves having to re-prioritise their finances. But for those who are still able to allocate their finances to purchase a new property, The Happy Chase campaign offers you an
easy entry into owning properties with just RM1 booking fee*, plus attractive packages with many more benefits!

In addition to its easy entry feature, you’d also get to enjoy a stress-free journey to homeownership as The Happy Chase is in conjunction with the government’s Home Ownership Campaign (HOC), offers booking fees from as low as RM1; waiver on Sales and Purchase Agreement and loan legal fees; stamp duty exemption on instrument of transfer and loan and a multitude of other rewards and rebates.

That’s not all, because upon successful purchase of UEM Sunrise’s selected properties, you will also receive a 1-year FREE subscription on Naluri Life app – a homegrown digital healthcare app, and automatically enrolled into UEM Sunrise’s Cuti-Cuti Malaysia lucky draw*!

*T&Cs apply

Your Dream Home Could Be One Of These Exclusive Projects By UEM Sunrise In Central & Southern Malaysia

With The Happy Chase campaign, UEM Sunrise covers your home purchasing journey from the first entry to finally moving in with peace of mind. Now that they’ve got you covered, all that’s left for you to do is to decide on the one to call home.

A prestigious developer with years of industry experience, UEM Sunrise presents to you its modern selection of properties with premium Greater Kuala Lumpur, and Iskandar Puteri, Johor addresses that are eligible for great benefits under The Happy Chase campaign.

Verdi Eco-dominium, Condominium

Radia Residences, Service Apartment

Serene Heights – Verna, Double Storey Terrace

Residensi Solaris Parq, Serviced Residence

Residensi AVA @ Kiara Bay, Service Apartment

Choose your dream home from UEM Sunrise’s various types of properties that suit your lifestyle. Whether you are single and are looking for the convenience of an apartment, or looking for the extra space for family comfort – UEM Sunrise has the property for you with its options ranging from service or serviced apartment, double storey terrace, to condominium.

Aspira LakeHomes, Double Storey Terrace

Aspira ParkHomes, Double Storey Terrace

Senadi Hills, Double Storey Terrace

Bayu Angkasa, Apartment

The Maris, Double Storey Cluster

Even though times may be challenging right now, UEM Sunrise hopes that you will still be able to move forward happily. And that can be done by helping you and the others who are planning to purchase a home do so – with less hassle.

Take your first step to once again kick-start your plan to own a home today. For more information, visit
The Happy Chase @ RinggitPlus website here
. And whenever you are ready, you can conveniently make your affordable RM1 booking* with us, anytime and anywhere.

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How To Apply For EPF i-Sinar Withdrawal Facility

After going through much debate both among the Malaysian public and within Parliament, the Employees Provident Fund (EPF) has finally released the finalised details on its much-awaited
i-Sinar Akaun 1 withdrawal facility
. From how to apply to how much money you can withdraw, here are some frequently asked questions – and their answers – on the EPF i-Sinar facility.

What is i-Sinar?

i-Sinar is the name of the facility that allows affected members of the EPF to withdraw a set amount of funds from their Akaun 1, in order to help with cash flow issues during the Covid-19 crisis.

What is EPF Akaun 1?

Your EPF contributions are split into two different accounts: Akaun 1 and Akaun 2. Traditionally, funds from EPF Akaun 1 can only be accessed upon retirement and cannot be withdrawn for any other reason. Meanwhile, funds from Akaun 2 can be partially withdrawn before retirement for a number of reasons, including for education and buying a home.

How much money can I withdraw from i-Sinar?

The amount of money you can withdraw from i-Sinar depends on how much balance you have in your Akaun 1, and can be referred to below.

RM100,000 and below in Akaun 1

More than RM100,000 in Akaun 1

Allowed withdrawal

Up to RM10,000

Up to 10% of Akaun 1 savings, capped at RM60,000

Your Akaun 1 balance also dictates how your money will be paid out. For those with RM100,000 and below in Akaun 1, the first payment can be up to RM5,000, whereas those with more than RM100,000 can have a first payment of up to RM10,000. The rest of your intended withdrawal will be paid out monthly with a minimum amount of RM1,000 a month over a period of up to 6 months.

Do note that all withdrawals are subject to maintaining a minimum balance of RM100 in Akaun 1.

Can I get an example of how the i-Sinar payments will be made?

Based on the information provided by EPF, here are some example scenarios we’ve drawn up to show you how much money you can withdraw and your payment amounts according to your Akaun 1 balance.

Scenario 1:
 If you have Akaun 1 balance of RM4,500, you will be allowed to withdraw a maximum of RM4,400. Should you wish to withdraw the maximum amount out under i-Sinar, you will receive a single payment of RM4,400 in the first month.

Scenario 2:
 If you have Akaun 1 balance of RM70,000, you will be allowed to withdraw up to a maximum of RM10,000. Let’s say you want to withdraw a total of RM7,000. You will receive RM5,000 for the first month and the rest in minimum monthly payments of RM1,000 thereafter.

Scenario 3:
 If you have Akaun 1 balance of RM500,000, you will be allowed to withdraw up to a maximum of RM50,000. You will receive RM10,000 for the first month and the rest in monthly payments of RM8,000 per month for 5 months thereafter.

Scenario 4:
 If you have Akaun 1 balance of RM800,000, you will be allowed to withdraw up to a maximum of RM60,000. You will receive RM10,000 for the first month and the rest in monthly payments of RM10,000 per month for 5 months thereafter.

Can I apply for i-Sinar?

Basically, if you have not contributed to EPF in at least two consecutive months, or have experienced a 30% or more decrease in base salary or total income since March 2020, you can apply for i-Sinar.

What are the eligibility categories for i-Sinar applications?

EPF has created two categories of applicants – where the main difference is whether your application will be automatically approved, or whether you need to provide supporting documents as proof.

Take a look at the two categories below to see which one you fall into.

Category 1

Category 2

·       Members who have not contributed to the EPF for at least 2 consecutive months on application; OR

·       Members who are still working but have suffered a reduction of their base salary by 30% and above from March onwards

Members whose total income has been reduced by 30% and above (total income including base salary and other benefits such as allowances and overtime) from March onwards

To sum up: if you have not contributed to EPF for at least two months before application, or you have at least a 30% reduction in base salary, then you will fall into Category 1. On the other hand, if your
base salary
 has not reduced by the minimum 30%, but your
total income
 has, you fall into Category 2.

Is approval automatic for i-Sinar?

For Category 1, approval is automatic based on EPF’s internal data.

For Category 2, you will have to go through a verification process based on your supporting documents. You will be notified of the status of your application between 2-3 weeks after applying.

What documents do I need to apply for i-Sinar?

As mentioned above, the documents required depends on what category of applicant you fall in. For Category 1 applicants, you don’t need to produce any supporting documents, but Category 2 applicants need to.

Category 1

Category 2

Documents required

None

·       Salary slip before and after reduction of income; AND

·       Employer’s notice of suspension or reduction of allowances and/or overtime claims.

How do I apply for i-Sinar?

Applications for i-Sinar can only be done online on the official i-Sinar website,
isinar.kwsp.gov.my
.

When can I apply for i-Sinar?

Applications for i-Sinar open on
21 December 2020
 for Category 1 applicants and
11 January 2021
 for Category 2 applicants.

What do I need to do before I apply for i-Sinar?

(Image: The Star/Azman Ghani)

To ensure a smooth process, you are encouraged to register your mobile phone number at an EPF branch or kiosk and update your information through the
EPF app or i-Akaun portal
.

You should also make sure that the bank account provided to the EPF upon registration is still active, as well as being your own account and not a joint account.

When will the i-Sinar payments be made?

For Category 1, the first payment will be made in
mid-January 2021
. For Category 2, the payment will be made by the
end of the following month after obtaining approval
. (Remember, you will find out whether your application is approved or not 2-3 weeks after applying.)

How will the i-Sinar payments be made?

The payments will be directly credited into your registered bank account with EPF.

Do I have to pay back the i-Sinar withdrawal amount?

You are not under any obligation to repay the i-Sinar withdrawals, although you should replenish your account whenever possible for retirement savings purposes.

How can I check my EPF Akaun 1 balance?

You can check your Akaun 1 balance online through the
EPF app or i-Akaun porta
l. If you have not registered for i-Akaun, you will need to visit your nearest EPF branch or kiosk.

If I have already applied for i-Lestari, can I apply for i-Sinar?

Yes, you can withdraw from both i-Sinar and i-Lestari schemes.

What is the difference between i-Lestari and i-Sinar?

Simply put, the
i-Lestari withdrawal scheme
 involves Akaun 2, whereas i-Sinar is for Akaun 1 withdrawals. i-Lestari allows you to withdraw up to RM500 per month for a total of 12 months from Akaun 2. The programme began in 1 April and will be available for applications up until 31 March 2021.

***

You can keep an eye out on the
i-Sinar portal
 or the official
EPF website
 for any further information – although we will also be updating this article as any additional details get released, so make sure to check back regularly!

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Maybank’s Scan & Pay 1 SEN-Sation Campaign Returns, Offers Up To RM100 Cashback

Maybank has brought back its Scan & Pay 1 SEN-sation campaign, giving its customers daily opportunities to win random cashback valued between RM0 to RM100 throughout the whole campaign period. Already ongoing, this promo will run until 8 January 2022.

Open to all Maybank customers who are registered to use the Scan & Pay feature, the campaign requires you to perform a Scan & Pay transaction of RM0.01 using a dedicated “1 SEN-sation” QR code. You can either scan the QR code with your Maybank2u or MAE by Maybank2u app, or keep a screenshot of the QR code to upload from your phone’s photo gallery. Upon making the required payment, you will then be awarded cashback of a randomised value, up to RM100.

Unlike the
previous version of the campaign
 – which limited its customers to only three chances to win according to a specific schedule – this round of 1 SEN-sation promo lets you make daily attempts at winning. In other words, you will have the opportunity to earn one cashback reward each day throughout the whole campaign period.

Note, too, that for your RM0.01 transaction to qualify for the 1 SEN-sation campaign, the source of fund for your Scan & Pay feature must be set to either your MAE account or Maybank current/savings accounts. Transactions that are funded via credit or debit cards are not considered eligible.

Cashback earned via this campaign will be credited automatically into your account within seven working days. The total cashback that has been allocated for this campaign is capped at RM1 million.

(Source:
Maybank
)

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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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Government To Provide Insurance Protection Plan For Poor Households Who Have Lost Breadwinners

(Image: Bernama)

Prime Minister Datuk Seri Ismail Sabri Yaakob has announced that the government will provide an insurance protection plan of RM10,000 for poor families who have lost their source of income due to the passing of their heads of household.

With an annual allocation of RM13.4 million, the insurance protection plan is expected to benefit 268,000 poor households that are registered in
eKasih
. To clarify, eKasih is the national poverty database that was built to collect information on Malaysia’s poor households, as well as plan and manage the various aids provided to them.

Aside from announcing the insurance protection plan, the Prime Minister said that the Malaysia Social Protection Council (MySPC) will also look into various other efforts to increase the socio-economic level of poor households. These include focusing on and providing value-added programmes that can raise the income of the heads of poor and hardcore poor families registered in eKasih.

On top of that, the council will strive to amplify the social protection agenda at the district administration level. This will be done via the state social protection technical committees.

(Image: Malay Mail/Hari Anggara)

Additionally, the council also launched the Social Protection Database (PDPS), a social protection mechanism that is said to be “more dynamic, flexible, and able to respond to any risks faced by members of the Malaysian Family”. It will serve as the primary reference for Malaysia’s social protection programmes that have been launched thus far, encompassing employment, insurance, and social aids.

Ultimately, Datuk Seri Ismail Sabri said that the Covid-19 pandemic has helped to highlight the weaknesses of the social protection system in many countries around the world, including Malaysia. He hopes that the various measures that were announced by the MySPC will bolster Malaysia’s social protection agenda, and assist the government in achieving its target of eliminating hardcore poverty by 2025

(Source:
Bernama
)

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Nur Adilah Ramli

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