Guaranteed Gifts All Around Including From JBL, TNG, And More When You Apply For A Credit Card

We’re back with exciting gifts for the Unbox This Week credit card campaign 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.

For this week (1 – 8 August), our featured bank partners are

Citibank, HSBC Bank, Public Bank, Standard Chartered Bank, and Alliance 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!

Citibank – Apple Watch Series 7

Keep a closer eye on your health with a brand new Apple Watch Series 7! Enjoy an Always-On Retina display, crack, dust, and water resistance, as well as a heart rate, and blood oxygen monitor. Apply for a Citibank Credit Card to be one of the 10 lucky winners of the Apple Watch Series 7.

For those who don’t win the Apple Watch, fret not, because you’ll be taking home RM600 cash via DuitNow.

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

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

HSBC Bank – Apple Airpods Pro

Want to be fully immersed in your music? Active Noise Cancellation (ANC) might help with that. Win yourself the Apple Airpods Pro and you can toggle between ANC and Transparency Mode whenever you want. Not only that, the Airpods Pro is jam-packed with plenty of innovative features, such as a customisable fit, sweat and water resistance, as well as a battery life exceeding 24 hours.

Those who don’t win the Apple Airpods Pro will instead be rewarded with another Apple device – the Apple Airpods 2nd Gen, which provides a seamless one-tap experience and quick switching between devices.

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
.

Public Bank – JBL Clip 4 ultra-Portable Waterproof Speaker

If you have a splash-tastic time lined up on your agenda, you may want to bring your new JBL Clip 4 speaker along with you. Guaranteed to successful applicants, the JBL Clip 4 is an ultra-portable, waterproof speaker that brings rich audio and punchy bass. The stylish design sports a built-in carabiner that easily attaches to backpacks and straps for improved mobility.

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
.

Standard Chartered Bank – RM200 Shopee e-Voucher or URBANlite Trapez 24’’ Luggage

Claim your guaranteed gift from Standard Chartered! Choose between a RM200 Shopee e-Voucher for your online purchases or an URBANlite 8-Wheel Spinner Hard Case Luggage to ease your packing situation for your next trip.

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

Alliance Bank – JBL Live Free NC+ TWS Earbuds or JBL Tune 710BT Headphones

The JBL Live Free NC+ TWS Earbuds or JBL Tune 710BT Headphones await successful applicants of Alliance Bank credit cards.

Get the convenient JBL Live Free NC+ TWS Earbuds, which deliver the JBL Signature Sound, as well as Active Noise Cancelling and Pure Bass when you apply for an Alliance Credit Card with Balance Transfer.

Otherwise, rock out to your favourite playlist with the JBL Tune 710BT Headphones that look stylish and offer comfort with its lightweight design and padded earcups. Guaranteed to you when you apply for an Alliance Credit Card.

Upon approval, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the prize. 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, 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 8 August (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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Lisa Ameera Azman

Lisa Ameera Azman

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Shopback Now Offers Cashback For Touch ‘n Go eWallet Reloads

Popular cashback platform Shopback is now offering cashback for e-wallet reloads. The first e-wallet onboard is TNG eWallet, with more possibly to come.

While Shopback had offered cashback for Grab rides in the past, this is the first time that Shopback has directly offered cashback for e-wallet top-ups. TNG eWallet users simply need to click through the Shopback app and reload a minimum of RM10 into their e-wallet to be eligible for cashback. All tracked cashback will be redeemable on Shopback after 60 days.

Users will be eligible for cashback as long as it is a minimum of RM10 and the reload source is online banking, credit and debit cards – we have confirmed that reload PINs sold offline will not be eligible for cashback. Theoretically, TNG eWallet users can triple dip in rewards by combining credit card rewards, e-wallet discounts at merchants, and this new Shopback cashback.

Current Touch ‘n Go eWallet users will receive RM3 cashback per month with a minimum top up of RM10 – subsequent reloads will not be tracked. Meanwhile for new users, Shopback is offering a promotional cashback rate of RM10 for minimum RM10 reload, from now until 11 November – from 12 November onwards, new users will receive RM9 cashback.

Shopback Malaysia is the first in the seven Asia Pacific markets the cashback platform is present in to offer cashback for e-wallet reloads. Meanwhile, TNG eWallet has been appearing very active recently, announcing payment acceptance at
major convenience store chain 7 Eleven
 and
e-commerce giant Lazada
. It also partnered with
HSBC to offer a cool 20% cashback
 for reloading using HSBC cards.

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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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How to Make Your Own Personalised Board Games for Christmas

Video gaming is a fun and fulfilling hobby enjoyed by many people all over the world. But it definitely isn’t the same as sitting down with some friends face to face and playing some
non-digital games
 in a room together. They make great Christmas gifts, too.

No hardware requirements, no internet lag, and all fun, all the time. But often, board games can get pretty pricey. Thankfully, we’ve found some resources and tips on how to make your own analog games on the cheap! Check it out.

Guess Who

This classic is fun to pull out and play with friends, but it can get boring super quickly if you’re already familiar with the stock cartoon images of different faces. A nice change-up would be to print out images of your own family members or mutual friends of whoever is playing to make the game more personal and fun.

All it takes is to gather images from Facebook or any other social media site, print them out and stick them over the classic set you or your friends already own. Alternatively, you can make little pegs of your own on bits of card and play it that way. If you’re the crafty sort and are good with carpentry, you can even try making your own set like
this lady did
. Fun!

Monopoly

Everybody’s played Monopoly before and it can be great fun with your friends. But you don’t have to put money down on a new set if you want to try out the funky themed ones like
Star Wars Monopoly
 or Adventure Time Monopoly. You can just make your own.

Just download this
free Monopoly board template
 and fill in the empty boards with your own labels. After labelling your own cards and printing out
your own Monopoly money
, you’re all set to play your very own ultra-customised set of Monopoly! These make great gifts too.

Make Your Own Origami Dice

Before play most board games, you need dice. Sure, you can use a dice app on your phone, but who likes not having it when the phone is charging or having your roll interrupted by a phone call?

What you can do instead is make your own dice out of paper. This
tutorial
 shows you how to fold your own origami dice. While it is made from paper, you’d be surprised at how sturdy it is. And since it’s made of paper, you can write anything on them, not necessarily numbers. Use it as a fun and super cheap way to decide games and determine moves!

Full-Sized Cards Against Humanity

Hanging out with adult buddies who don’t mind a bit of crude, dark, and irreverent humour in their card games? Then you’ve probably heard of Cards Against Humanity. The official game just comes with a stack of cards, so it’s pretty easy to replicate. In fact, they even have their own official downloadable pdf versions, free for anyone to use.

However, if you seek it out, you’ll find that the sizes for their official pdf versions are quite smaller than the proper cards. We’ve found a resource that lets you print
full-sized Cards Against Humanity cards
 for free. Try this out for a super inexpensive, closest-to-authentic experience of playing the game. You can even print out your own blank cards if you’re keen on coming up with black humour on your own.

We hope out little tips and tricks above can help and encourage you to go out and make your own board game for some cheap but fulfilling fun with family and friends! Did you know playing games can teach you a lot about financial management? It’s true! Check out
our article on that very subject
 and see for yourself.

Image credits: Generation Bass’
photostream
 and
Cut Out + Keep

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Ahmad Mudhakkir

Ahmad Mudhakkir

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Grab Returns With Pointsback And Power Up Campaign For June 2021

It’s the end of June, and Grab is once again running its monthly GrabRewards Pointsback and Grab Power Up campaigns, offering substantial rebates for all Grab users. The GrabRewards Pointsback campaign – which allows you to enjoy up to 40% pointsback on eligible redemptions – will take place between 29-30 June 2021.

Meanwhile, the one-day-only Grab Power Up campaign is set to happen on 30 June 2021. You will have the chance to earn up to 6,000 GrabRewards Points when you spend a minimum of RM180 via GrabPay or Grab PayLater.

GrabRewards Pointsback

Period: 29 June 2021 (10am) – 30 June 2021 (11.59pm)

Under the GrabRewards Pointsback campaign, Grab users will be able to earn between 10% to 40% pointsback when they redeem rewards for Grab services, selected partners, as well as GrabPay e-wallet transactions – depending on their membership tier. This month, the list of rewards are as follows:

Pleasantly, Grab has retained GrabPay Wallet Rewards for this month’s GrabRewards Pointsback campaign as well, allowing you to redeem a discount of RM10-20 for GrabPay online transactions – among other perks. This category of rewards was introduced for the first time in
last month’s GrabRewards Pointsback campaign
, and offers more flexibility compared to the other rewards that are limited only Grab services or selected partners.

Note that the GrabRewards Pointsback offers are provided on a first-come first-served basis, and will cease upon hitting the total redemption cap. Other than that, each user is also subject to an individual redemption limit, as follows:

Rewards
Redemption limit (per user)
Each Grab service reward
10 redemptions
Tesco/Lotus’s RM5
Tesco/Lotus’s RM10
3 redemptions
2 redemptions
Estee Lauder
2 redemptions
Sephora
3 redemptions
Digi Postpaid RM5
Digi Postpaid RM10
3 redemptions
3 redemptions
Each GrabPay reward
2 redemptions

To give you an idea of how much savings you can get through this campaign, the usual redemption rate for Grab is set at 800 GrabRewards Points for RM5, which is equivalent to RM0.625 per GrabRewards Point. With this campaign, however, each GrabRewards Point can go up to a maximum value of 1.04 sen. Assuming that you’re a Platinum member, your rate of return will then increase from
the us
u
al 1.875%
 to 3.125% – which is really quite generous!

Grab Power Up

Period: 30 June 2021

The one-day-only Grab Power Up campaign is also back for June, allowing you to earn 15x GrabRewards Points and 30x GrabRewards Points when you spend at least RM180 online via GrabPay and PayLater by Grab, respectively. The earnings for both are capped at 6,000 Points each, and you can tap into the deal for both payment methods – which means you can technically earn 12,000 Points in total.

Major brands that are participating in this campaign include Fashion Valet, PrestoMall, Caring Pharmacy, The Face Shop, and BMS Organic. You are allowed two redemptions per spend category.

Note that the number of redemptions are capped for each payment type as well. There is a limit of 8,000 redemptions for GrabPay transactions, and 1,500 redemptions for PayLater by Grab transactions. As always, these redemptions are awarded on a first-come first-served basis, and the Points will be awarded instantly upon completion of eligible transactions.

***

You can find out more about the
GrabRewards Pointsback
 and
Grab Power Up campaign
 here.

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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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HSBC Revises Air Miles Redemption Rates For Platinum And Signature Credit Cards

HSBC has announced a revision to the redemption rates for air miles under its Rewards Points programme for its Platinum and Signature credit cards. The revision will affect redemptions for three frequent flyer programmes: Enrich (Malaysia Airlines), KrisFlyer (Singapore Airlines), and Asia Miles (Cathay Pacific).

Based on the HSBC website, the cards that should be included in this revision are the
HSBC Advance Visa Platinum
,
HSBC Platinum
 (Mastercard & Visa), and the
HSBC Visa Signature
. Depending on the frequent flyer programme, the new redemption rate will increase between 66% to 71%. The table below shows the comparison of the old and new redemption rates:

Card Type

Air Miles

Current Redemption Rate

New Redemption Rate

HSBC PlatinumHSBC Visa Signature

1,000 Enrich Miles

10,500 Rewards Points

18,000 Rewards Points

1,000 KrisFlyer Miles

15,000 Rewards Points

25,000 Rewards Points

1,000 Asia Miles

15,000 Rewards Points

25,000 Rewards Points

The new redemption rates will be effective from 16 August 2019. To redeem air miles, cardholders can visit the
HSBC Rewards page
.

(Source:
HSBC
)

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About THE AUTHOR

Pang Tun Yau

Pang Tun Yau

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

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RHB Introduces New Conditions For Lounge Privileges & Revises Airmiles Redemption Rates For Its Credit Cards

RHB Bank has announced some updates to the Plaza Premium Lounge (PPL) privileges of its credit cards and the airmiles conversion rate to make redemptions from selected frequent flyer programmes. Specifically, cardholders who wish to fully tap into the complimentary PPL access offered by their cards will soon need to meet specific tiered spending requirements, and they’ll also need to use more credit card points to redeem Enrich Points and KrisFlyer Miles.

According to the announcement, RHB’s revision with regard to PPL privileges will impact a total of five cards, namely:

RHB Premier Visa Infinite credit card/-i

RHB Visa Infinite credit card

RHB Visa Signature credit card

RHB World Mastercard credit card/-i

RHB Business Platinum credit card

With this amendment, the PPL privileges of these cards will soon be provided in tiers, and must be earned by meeting some spending requirements listed by the bank. Here’s a table to compare the current PPL privileges that RHB cardholders are enjoying, and the updated version of it:

Credit cards
Current PPL benefits and criteria
Updated PPL benefits and criteria
RHB Premier Visa Infinite credit card/-i
– Unlimited access to selected PPL in Malaysia and other locations with a minimum spend of RM100,000 in a calendar year
– 10x complimentary access if spending is below RM100,000 in a calendar year
Tier 1

3x access per calendar year upon card activation
Tier 2

– Maximum of 9x access per calendar year
– Minimum retail spend of RM1,000 and above in previous calendar month to earn 1x access
Tier 3

– Unlimited access per calendar year
– With minimum retail spend of RM100,000 and above in the calendar year
RHB Visa Infinite credit card
– Unlimited access to selected PPL in Malaysia and Singapore (for first 1,000 cardholders/redemption per calendar month)
– 25% discount on walk-in rates for the rest
– 20% discount at PPL all around the world (except for Shanghai and Beijing)
Tier 1

3x access per calendar year upon card activation
Tier 2

– Maximum of 9x access per calendar year
– Minimum retail spend of RM1,000 and above in previous calendar month to earn 1x access
Tier 3

– Unlimited access per calendar year, with minimum retail spend of RM100,000 and above in the calendar year
RHB Visa Signature credit card
– 5x complimentary access to selected PPL in Malaysia
– 25% discount for sixth visit onwards to lounges in Malaysia
– 20% discount at PPL all around the world (except for Shanghai and Beijing)
Tier 1

1x access per calendar year upon card activation
Tier 2

– Maximum of 5x access per calendar year
– Minimum retail spend of RM500 and above in past calendar month to earn 1x access
RHB World Mastercard credit card/-i
– 5x complimentary access to selected PPL in Malaysia
– 25% discount for sixth visit onwards to lounges in Malaysia
– 20% discount at PPL all around the world (except for Shanghai and Beijing)
Tier 1

1x access per calendar year upon card activation
Tier 2

– Maximum of 5x access per calendar year
– Minimum retail spend of RM500 and above in past calendar month to earn 1x access
RHB Business Platinum credit card
5x complimentary access to selected PPL in Malaysia
Tier 1

1x access per calendar year upon card activation
Tier 2

– Maximum of 5x access per calendar year
– Minimum retail spend of RM500 and above in past calendar month to earn 1x access

Besides this lounge benefits revision, RHB is also revising the amount of Loyalty Points that are required to redeem Enrich Points and KrisFlyer Miles. It is also increasing the minimum amount of miles redemption from 500 to 1,000. Here are the full details of this revision:

Credit cards
Current conversion rate
Conversion rate from 21 September onwards
RHB Premier Visa Infinite credit card/-i
– 3,000 Loyalty Points for 500 Enrich Points
– 6,000 Loyalty Points for 500 KrisFlyer Miles
– 8,000 Loyalty Points for 1,000 Enrich Points
– 14,000 Loyalty Points for 1,000 KrisFlyer Miles
RHB Visa Infinite credit card
– 4,000 Loyalty Points for 500 Enrich Points
– 6,000 Loyalty Points for 500 KrisFlyer Miles
– 10,000 Loyalty Points for 1,000 Enrich Points
– 14,000 Loyalty Points for 1,000 KrisFlyer Miles
Other RHB credit cards/-i
– 5,500 Loyalty Points for 500 Enrich Points
– 6,000 Loyalty Points for 500 KrisFlyer Miles
– 14,000 Loyalty Points for 1,000 Enrich Points
– 14,000 Loyalty Points for 1,000 KrisFlyer Miles

Both of the above revisions are set to take effect starting from 21 September 2023, so for those who still have some Loyalty Points and would like to redeem more Enrich Points or KrisFlyer Miles at the current rates, remember to do so soon!

(Source:
RHB
)

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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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Android vs iPhone: 4 Major Questions to Ask Yourself

What can we possible say about this much-discussed area of gadget nerdery that hasn’t already been talked about to death elsewhere? Firstly, our aim has always been to help you get more for your money, so we won’t go too much into tech specs, megablips, or terafloops.

Secondly, we aim to make this the first and last article you ever need if you’re still on the fence on choosing one over the other or you’re thinking hard on whether to jump ship. We’ve boiled everything down to these 4 key attributes that heavily impact your decision. And here they are:

1. What’s the Price?

Apple products are often more expensive than products from other brands of the same category. And paying extra for features and technology other brands of smartphones don’t have may make sense when the original iPhone came out 9 years ago, but other companies have since caught up.

Feature-for-feature
, the latest models of the iPhone are pretty much on par with the greatest (and typically much cheaper) Android devices. The Apple Tax is cumulative, too. Official accessories and peripherals for iOS devices often cost a bomb. If you want the most up-to-date phone for the cheapest price, Android wins.

Winner:
 Android

2. How Secure do I Want it?

Just like any sufficiently advanced computer, our smartphones are
susceptible to malicious attacks
 by viruses, malware, and other things of that nature. Since Android was developed on a much more open platform than iOS, it’s devices are more vulnerable to these kinds of attacks.

While it is rare be infected by these harmful software as long as you stay safe, Apple’s closed system is much less prone to these sort of attacks. Not to say your iPhone is bulletproof, but you’re much less likely get infected and can get by perfectly fine without regular virus checks.

Winner:
 Apple

3. How Easy is it to Use?

From the iPod’s scroll wheel to the MacBook’s glass trackpad, Apple has always placed user experience as a high priority when it comes to making their hardware and software.
Handling older generations of iPhones
 still feels great, never mind the latest model.

Android devices however vary wildly from brand to brand and even the version of Android you get across models that come out in the same year can be quite distinct from one another. Ever looked up online to find out what’s wrong with your Android device? It’s a nightmare with all the different versions and configurations. If you want minimal headaches with your smartphone, go with an iPhone.

Winner:
 Apple

4. Do I Have Plenty of Choices and Options?

The reason Apple devices are secure and consistently easy to use, is because of it’s closed approach to their hardware and software. What that means is when you have an iPhone, you need iTunes to sync it to your computer, if you want to pay for things with your phone, you have to use Apple Pay, your data is saved in the iCloud, etc.

But with Android, you’re free to
use the device however you want
. Plug it into your PC, dig around in it, hook it up to any Bluetooth device, install apps that aren’t from the official Google Play Store, you name it. The hardware varies too since pretty much every other phone maker makes Android devices, you’ll find it in all shapes and sizes to suit your taste.

Winner:
 Android

Pretty simple, right? We think these four major points to ponder should be enough for you to decide on
which type of device to go for
. In the end, these are the essential points that heavily affect your day-to-day when using a smartphone. All other specs and stats we think are more suited for specialised use.

But what do you guys think? We’d love to know if we missed out on something important. Share your thoughts with us in the comments section down below!

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Ahmad Mudhakkir

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Get To Know The Islamic American Express® Card Offered In Malaysia

With so many credit cards available in the market, one has the advantage of being able to choose a card that matches your lifestyle.

The Maybank Islamic Ikhwan American Express® Platinum Credit Card-i is the only Islamic American Express® Platinum Card offered in Malaysia and is eco-friendly. Those who want to do their part in driving a more sustainable future would be glad to know that this card is made from bio-sourced polylactic acid (PLA) material extracted from non-edible corn and also promises greater rewards including up to 8% cashback, 3x TreatsPoints, and more.

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Maybank Islamic Ikhwan American Express® Platinum Credit Card-i

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Chee Jo-Ey

Chee Jo-Ey

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    Cheong Kok Hing

    2 months ago

It is useful for my overseas travelling

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    Shahin

    2 months ago

Foreigners can related on this ?

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    Mohd Al Faizal

    2 months ago

Were your are were go it’s very easy to make shopping,petrol and eating thanks more team@amex.

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You Can Now Purchase TNG RFID Self-Fitment Kits On Shopee And Lazada

Malaysians can now install Touch ‘n Go RFID tags on their own as the e-payment solutions company has launched its TNG RFID self-fitment kit. Available for purchase on e-commerce platforms Lazada and Shopee, the self-fitment kit costs RM35 each and is shipped nationwide.

The self-fitment kit comes with step-by-step instructions on how to install and activate the RFID tag. Once you’ve purchased and received the self-fitment kit, you can install the RFID tag in a few steps:

Note that there are certain requirements to observe when installing the RFID tag. For instance, it cannot be placed on tinted windscreens or headlamps as this may hamper the tag’s performance. The RFID tag should also be placed at least 5cm away from any metal content.

Following that, you’ll need to activate the tag by visiting Touch ‘n Go’s Mobility eXperience website and registering for an account. To sign up, you’ll need to provide the TNG RFID tag number as well as your vehicle details. You’ll also need to link the RFID tag to your Touch ‘n Go eWallet account. Once done, the RFID tag will be activated within 24 hours, and you’ll be notified via SMS.

You can also check out the tutorial video by Touch ‘n Go here:

“Safety is our priority. We’ve introduced a DIY kit to bring further convenience as we understand that people will want to move safer in the comfort of their car,” said the chief executive officer of Touch ‘n Go, Syahrunizam Samsudin. The launch of the RFID self-fitment kit is timely during this period of conditional movement control order (CMCO) as it allows you to install the RFID tag in the safety of your own home.

Prior to this, the TNG RFID tags had been issued for free from 2018 as part of an 18-month long trial period. It was then officially launched in February 2020, with the
tags priced at RM35
 at fitment centres.

To find out more about the TNG RFID self-fitment kit, head on over to Touch ‘n Go’s
Mobility eXperience
 website. Alternatively, you can get it directly at
Lazada
 and
Shopee
.

(Source:
Paul Tan’s Automotive News
)

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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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LHDN: Check Travel Restriction Status Before Planning Trip Abroad

(Image: The Star)

The Inland Revenue Board (LHDN) has urged all taxpayers to check their tax arrears and travel restriction status before making any travel plans to go abroad.

In a statement, LHDN explained that travel restrictions are imposed as a final resort when taxpayers fail to pay their outstanding taxes, even after various reminders and notices have been sent to them. Accordingly, all taxpayers can check the amount of their tax arrears (if any) via the
MyTax portal
, and their travel restrictions on the
Immigration Department website
.

Taxpayers who have tax arrears are requested to make the necessary payments as soon as possible so that their travel restrictions can be lifted; payments can be done via
several channels
, including ByrHASiL, online banking with selected banks, as well as auto teller machines (ATMs) and cash/cheque deposit machines (CDMs) at selected banks. Alternatively, they can also contact the LHDN office that handles their tax files to negotiate for instalment payments, enabling them to proceed with their travels.

If you have any queries regarding this matter, you can reach out to LHDN via its HASiL Careline at 03-8911 1000 or 603-8911 1100 (overseas). You can also use the HASiL Live Chat, or submit a feedback form via
LHDN’s Feedback website
.

(Source:
LHDN
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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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AEON Credit Spearheads Digitalisation Platform For Hawkers And Petty Traders

Hawkers and petty traders who have yet to adopt cashless payments for their businesses, but wish to do so, can soon tap into a recent digitalisation initiative rolled out by AEON Credit Service Berhad in collaboration with numerous partners. These include the Ministry of Entrepreneur Development and Cooperatives (MEDAC) and In2Niaga Sdn Bhd.

Via this initiative, hawkers and petty traders who are registered with MEDAC will be given access to a Privilege Card for Hawkers and Petty Traders, as well as the IN2NIAGA mobile app – enabling them to receive cashless payments from their customers. Each Privilege Card will carry a distinct QR code that can be displayed at the entrepreneurs’ business premises. They can then get their customers to make cashless payments by scanning the QR code, and accept the payments through the IN2NIAGA mobile app.

“Through the IN2NIAGA application, customers have a variety of payment methods to choose from, such as Touch ‘n Go eWallet, Maybank QR, GrabPay, Boost, ShopeePay, Lazada Wallet, credit card, and online banking,” AEON Credit said in its statement, adding that the Privilege Card will also be linked to its
AEON Member Plus Visa Card
. To note, the AEON Member Plus Visa Card is an existing by-invitation-only prepaid card that offers a range of benefits, such as 2x AEON Points for their expenses.

On top of this convenience, traders holding the Privilege Card will also be automatically enrolled into the Self-Employment Social Security Scheme (SESSS) under the Social Security Organisation (SOCSO). With this, they will be entitled to a range of benefits, including protection from accidents while carrying out their business activities, funding for hospital treatment costs, as well as temporary and permanent disability benefits.

The minister of MEDAC, Tan Sri Noh Omar said that this initiative will give hawkers and petty traders a more efficient and safe transaction method while helping them to embrace digitalisation. He also commented that the additional SESSS coverage is crucial as most of these entrepreneurs do not have insurance coverage of their own.

(Image: The Star)

Meanwhile, the chairman of AEON Credit, Ng Eng Kiat said that it is honoured to have the opportunity to work with MEDAC and SOCSO to help hawkers and petty traders during the post-Covid-19 recovery period. “We aim to bring access to financial services to all communities through the issuance of the Privilege Card in our effort to contribute towards equitable and sustainable growth for hawkers and petty traders, which is also in line with AEON Credit’s commitment to continuously give back to the community,” he said.

This digital initiative is expected to benefit about 1.8 million hawkers and petty traders, and those interested can look forward to the Privilege Card being released by the end of February 2022. Other partners who are also involved in the initiative include the Gabungan Persatuan Penjaja dan Peniaga Malaysia, Datasonic Corporation Sdn Bhd, and Visa Malaysia.

(Source:
AEON Credit
)

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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 Save Money on Your Balik Kampung Trip

With Hari Raya just around the corner, we’re sure you are probably trying to plan your Balik Kampung travel times – and possibly getting a headache out of it. This is peak travel season, and going anywhere out of town will be a hectic affair. If not planned properly, you could be looking at spending quite a big amount just to return to your hometowns. With that in mind, let’s take a look at a few ways you can save some on your balik kampung trip.

Consider Carpooling

If you’re from out of town, you probably know a few buddies that are from the same hometown as you. They can be a housemate, a colleague, or even mutual friends who intend to head back during the upcoming holidays. Suggest the idea of carpooling with them, and offer to split the cost. Even if they don’t live in the same city, say Penang while you are headed to Ipoh, see if they’re open to the idea of taking a slight detour to drop you off; be sure to chip in a little extra as basic etiquette.

If none of your friends are heading back this holidays or are not going in the same direction, this may be a good time to try an app to find you some carpool buddies on
Carpool World
 or
Drouper
. You can share the cost of the ride which means saving money and even making some new friends during the trip back.

Identify Optimal Driving Times

Based on the
previous year’s news
, the traffic conditions on the days leading up to the first day of Raya this year will very likely be equally horrendous. If you are driving, do consider heading out during non-peak hours – either in the early mornings or even late at night. This way, you are less likely to be moving along with the majority of Balik Kampung folk. This not only saves you a lot of time, it would save your fuel as you would be able to cruise through rather than sit through hours of traffic congestion. You should take some steps to ensure you are physically and mentally prepared to do so – make sure you are well-rested, and have some coffee on hand just in case!

Besides that, PLUS usually releases its festive travel advisory about a week before the start of each festive season. The highway concessionaire’s advisory shows suggested travel times based on the destination, which means traffic should flow a lot smoother during these times. PLUS also offers perks for adhering to the advisory’s travel times, coming in the form of Touch n Go rebates.

On top of that, there are social media channels to the rescue. Both
PLUS
 and
Lembaga Lebuhraya Malaysia’s
 Twitter pages offer regular traffic updates along the major highways in Malaysia, while Twitter hashtags like
#kltu
 lets you monitor traffic updates from other Malaysians on the road. Using Waze as you drive is another important tool, because not only do you get real-time traffic information of what’s ahead of you from other Waze users, you can contribute to other users by actively reporting traffic conditions along the way as well.

Finally, you can also tune in to the radio, where all stations have regular traffic updates (usually every half hour).

Hunt For Cheaper Tickets

If you are going to balik kampung by train or aeroplane, there is no trick to getting cheap tickets during peak seasons – the economic principle of supply and demand dictates this. What you can do, naturally, is to lock down your Hari Raya break as early as possible, and immediately book your tickets. Consider heading back slightly earlier or later compared to the rest of the crowd – tickets would be slightly cheaper.

For flights, websites like
Skyscanner
 lets you search for flights from airlines and travel agencies easily, allowing you to find the cheapest option for your route. Companies like Agoda, Booking.com, and AirAsiaGo usually offer discounts when buying flights and accommodation on their platforms.

Today, it’s easier than ever to book bus tickets online too. Lots of companies now offer easy online booking for express buses, including CatchThatBus, EasyBook, and redBus. Be sure to compare prices between these platforms, as they may differ.

Ship Excess Baggage Ahead Of Time

This tip applies to those who are flying back to their hometowns. While one way to go about saving money on baggage is to pack light, sometimes we also have things we want to gift to those back home – especially to those who travel between east and west Malaysia. Instead of forgoing these items and disappointing everyone at home because it was too expensive to carry, you could send your these items via mail or courier. The costs may be lower per KG compared to carrying them as paid baggage in a low-cost carrier flight.

Make Full Use of Your Credit Cards

Hari Raya is a really good reason to consider getting a credit card. Whether it is shopping for new Raya outfits, ingredients for Raya dishes and kuih, to travel expenses like air fares and petrol, it is actually beneficial to own the right credit card. It is especially rewarding to get a cashback credit card like the
Standard Chartered JustOne Platinum MasterCard
, the
Public Bank Visa Signature
, or even the
Maybankard 2 Gold
 all offer a certain percentage of cashback for petrol, groceries, and online purchases. Since these purchases are going to be made anyway, might as well get some benefits out of them!

With so many credit cards to choose from, it is definitely quite confusing to get the best one for your needs. Keep in mind also that you can own a few credit cards simultaneously, which means you can maximise the benefits of all the cards by planning out your purchases with the right credit cards!

Balik Kampung Time!

Whatever your choice of transport going back home this coming Raya, it is always beneficial to plan ahead. Get plenty of rest beforehand if you are driving, or arrive early to the airport or station if you are taking a bus, train, or plane to go home – there’s bound to be a lot of people. Some credit cards even offer travel insurance on top of cashback, so be sure to take a look at the card’s terms and conditions. Check out our
comparison tool
 to see which cards fits your needs the best.

Do you have any other travel tips that will save you some money on your trip home? Share with us in the comments section below!

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Brian Chung

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BNM: Banks To Continue Offering Targeted Loan Repayment Assistance When Moratorium Ends

Bank Negara Malaysia (BNM) governor Datuk Nor Shamsiah Mohd Yunus said that banks in Malaysia will continue to offer targeted loan repayment assistance to borrowers affected by the pandemic once the
current loan moratorium
 expires at the end of 2021.

Datuk Nor Shamsiah acknowledged the fact that there will be borrowers who may continue to face challenges in repaying their loans when the moratorium ends. “For such borrowers, there are avenues available to help them manage their debt obligations,” she said. With the reopening of the economy, BNM expects loan repayment assistance to be more targeted  as the financial needs and circumstances of each borrower will differ.

According to Datuk Nor Shamsiah, borrowers can discuss with their banks to see what alternative loan repayment plans are available. These alternative loan repayment plans may include further extending the moratorium for specific borrowers at the respective banks’ discretion.

Borrowers can also approach the Credit Counselling and Debt Management Agency (AKPK) to seek advice on managing their debt. Meanwhile, small and medium enterprises (SMEs) can obtain loans from various government funds.

“These avenues will have borrowers achieving more enduring solutions beyond the pandemic by also focusing on support needed for borrowers to get back on a firmer financial footing over the longer term,” the governor concluded.

(Source:
The Edge Markets
)

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Start Your August By Winning iPhone 14 Pro, Apple Watch Series 8, And More With Unbox This Week

We’re entering the 2nd week of August with exciting prizes to be won! Stand a chance to take home Apple products such as iPhone 14 Pro along with the Apple Watch Series 8, and other amazing gifts this week when you apply for a credit card on RinggitPlus.

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 7 August to 14 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 – RM800 TNG eWallet Credit

A guaranteed cash gift awaits! Apply for a Standard Chartered credit card this week and you’ll get RM800 in TNG eWallet Credit.
It’s always useful having extra cash at your disposal – use it for driving through tolls, going on a shopping spree, paying for utilities, or even treating yourself to a nice meal!
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 – iPhone 14 Pro

You could win an Apple iPhone 14 Pro when you apply for an HSBC credit card this month!
The iPhone 14 Pro allows you to capture incredible details with its 48MP main camera, for up to 4x greater resolution – perfect for smartphone photography enthusiasts. You’ll also be able to experience crystal clear screen resolution thanks to its 6.1-inch Super Retina XDR display, which makes watching videos on your phone a breeze.
You’ll still be able to take home a guaranteed RM500 in Touch ‘n Go eWallet Credit if you don’t win the Apple iPhone 14 Pro!
Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for this gift. That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your HSBC credit card
here
.

UOB – Apple Watch Series 8

Taking your health more seriously this year? Stand a chance to win the Apple Watch Series 8 when you apply for a UOB credit card.

The Apple Watch Series 8 is equipped with a temperature sensor for deeper insights into your health – which is especially useful for ovulation and sleep pattern tracking. It’s also equipped with Apple Pay, so you can pay for cashless transactions on the go.

If you don’t win an Apple Watch, 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 – JBL Tune 710 BT Wireless Headphones

Take home a pair of guaranteed JBL Tune 710 BT Wireless Headphones when you apply for a RHB card this week.

The wireless headphones feature a powerful bass sound, with a lightweight over-ear design for maximum comfort and immersion in sound. You’ll also be able to connect your devices with its Bluetooth function, allowing you to make and receive calls.

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 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 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 so that it’s easy to manoeuvre on the go.

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. What makes these earbuds the perfect accessory for listening to music is 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 14 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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Non-Pensionable Army Veterans Are Entitled To A One-Off RM500 Prihatin Aid

(Image: Malay Mail)

A one-off RM500 financial aid will be provided for non-pensionable veterans of the Malaysian Armed Forces (ATM) through the Prihatin Economic Stimulus Package, said Finance Minister Tengku Datuk Seri Zafrul Aziz. It is expected to benefit about 180,000 ex-servicemen.

“One of the issues raised was the RM500 special allowance for about 1.4 million civil servants, but army veterans who are non-pensioners were sidelined. The government has decided to extend this allowance to about 180,000 army veterans in the spirit of the stimulus package so that no one is left behind,” said Tengku Datuk Seri Zafrul.

The one-off assistance, which involves an allocation of RM89.5 million, will not include the non-pensioners’ next-of-kin.

Disbursement of the aid is to be managed by the
ATM Veterans Affairs Department (JHEV)
 starting from 23 April 2020, who will deposit the payment into the bank accounts of eligible veterans. This means that veterans will need to be registered with JHEV in order to receive the aid. They have until 31 October 2020 to do so.

(Image: Astro Awani)

The
aid for ATM veterans
 was previously announced by Defence Minister Datuk Seri Ismail Sabri Yaakob, who urged all eligible but unregistered servicemen to sign up with JHEV before the deadline. He also noted that only 65,000 non-pensionable veterans have done so thus far.

Datuk Seri Ismail had also expressed gratitude on behalf of the Defence Ministry for the government’s concern in extending the special assistance to non-pensionable ATM veterans. This is especially so in the face of the Covid-19 pandemic.

The
Prihatin Economic Stimulus Package
, which was revealed by Prime Minister Tan Sri Muhyiddin Yassin at the end of March 2020, had included a
one-off RM500 payment to public servants
 of Gred 56 and below (including those under contract). It was extended to eligible retired government servants as well.

ATM veterans who wish to register with
JHEV
 may do so at its website.

(Source:
The Star
,
Bernama
)

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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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Is that a calculator in your wallet?

MasterCard Display Card – a smarter way to swipe

How would you like to have a smarter credit card? A card that takes security to a whole new level?

Behold the future of credit card! MasterCard Worldwide has unveiled the next-generation of payment card: the MasterCard Display Card. Not yet available in Malaysia, will be released in Singapore in January 2013, in collaboration
with Standard Chartered Bank Singapore
.

The cool thing about this card is the extra features that it has; an
embedded LCD display and touch-sensitive buttons
. With these buttons (that look a little bit like a mini calculator), a cardholder can generate a One-Time-Password (OTP) as an added security measure for online banking. Thus, unlike many other banks, the user doesn’t  need a separate device or key token for secure access.

Although the technology is not that new (
Visa launched a similar card in 2011
), it could possibly help to push the use of online banking. A lot of people are still sceptical about using bank websites, with security coming on top as their biggest concern.

It is still early to tell how the MasterCard Display Card will fare. Security aside, other factors, such as durability (what if you spilled your drink on the card, would it still work?) and extra security (if the card is lost, how easy it is for someone to get access to your OTP?) are yet to be established.

Image:
StandardCharteredSingapore

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Bursa Malaysia Creates History By Successfully Holding A Fully Virtual AGM

(Image: The Star)

Bursa Malaysia has become the first company in the country to successfully hold a fully virtual annual general meeting (AGM), signalling a momentous achievement in the Malaysian corporate world.

The exchange operator’s 43
rd
 AGM was broadcasted from the Conference Room, Bursa Malaysia building in Bukit Kewangan. Shareholders, on the other hand, made use of available remote participation and voting (RPV) facilities to contribute to the meeting.

The historic meeting was conducted online due to the ongoing movement control order (MCO), and also serves as a form of safety precaution for shareholders due to the Covid-19 pandemic. The move also obeyed directives from the Securities Commission (SC), which requested for companies to conduct fully virtual general meetings during the MCO period.

(Image: FintechNews Malaysia)

The SC had previously issued an extensive guideline on the conduct of such general meetings for listed issuers, hoping that companies can continue to uphold their obligations amidst the current restrictions. It specified that there should only be a maximum of eight essential individuals physically present at the broadcast venue. These include the chairperson of the meeting, chief executive officer, chief financial officer, company secretary, auditor, and audio-visual support personnel.

“We also encourage companies to continue leveraging on technology even beyond the MCO period, to conduct meetings in a manner that will encourage and enable full shareholder participation, even from remote locations,” said the chairman of the SC, Datuk Syed Zaid Albar, in an earlier statement.

(Image: The Star)

The
guideline
 also explicitly forbade hybrid general meetings during the MCO period. Hybrid general meetings are essentially sessions that allow shareholders the option to either attend physically or participate remotely through audio/video facilities.

Bursa Malaysia had also previously made history with its 42
nd
 AGM by being the first company in the country to conduct an AGM in the form of a hybrid meeting.

(Source:
Bernama
)

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

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

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Setel Is Now On The Boost App, Users Can Earn Both Mesra Points & Boost Coins

The Petronas-backed contactless petrol payment solution, Setel, is now an official feature on the Boost e-wallet app. According to Boost, users can earn both Mesra points and Boost coins when using Setel on the Boost app, thus allowing users to double dip on rewards.

For those who aren’t aware,
Setel
 allows you to pay for your fuel pumps at Petronas from the inside of your car, removing the need to line up at the counter or swipe your card at the payment terminal. The feature is available at over
700 Petronas stations
 nationwide.
Setel
 actually has its own app and dedicated e-wallet, but with this latest development, you will also be able to use it through the Boost e-wallet.

You can find Setel in the Boost app’s “Do More” section under “Transport”. Registering for a Setel account is simple, done just by keying in your phone number. Once you drive to a Petronas station near you, you will be able to select your pump number and fuel amount within the app to make your fuel purchase. When the pump is ready, you’re all set to fuel up, but always remember to keep your phone inside the car.

Boost is offering 10% cashback to new Setel users who sign up for an account with Setel on Boost, capped at RM5 with a minimum spend of RM30. You can find out more about Setel on Boost via the e-wallet’s
Facebook post
 here.

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Looking casual and confident in Gap with AirAsia Citibank credit cards

The first Gap store opened in 1969 in San Francisco, California appealing to the Woodstock generation with its wide selection of casual fits and styles. It soon blossomed to include clothing lines for children and toddlers (GapKids and babyGap).

The American apparel has been slowly making its presence in Malaysia with
major outlets
 in Kuala Lumpur, Penang and Johor and AirAsia Citibank cardholders can look cool and confident in addition to a 10% discount next time they shop there.

Promotion is applicable to AirAsia Citibank Visa credit cards and AirAsia Citibank Platinum Visa credit cards in all Gap outlets in Malaysia.

The 10% discount is only valid for normal priced items and excludes items that are on sale or promotion.

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Brendon Lee

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BNM: Study Terms And Conditions Of Shopee’s SLoan Facility Before Signing Up

The public has been urged by Bank Negara Malaysia (BNM) to carefully study the terms and conditions of Shopee’s latest offering, SLoan, before deciding to tap into it. This comes following the recent rollout of the facility just last week.

“SLoan is a personal financing product offered by SeaMoney Capital Malaysia Sdn Bhd, which is licensed by the Local Government Development Ministry under the Moneylenders Act 1951,” the central bank shared, adding that individuals must make informed decisions if they are considering committing to financing products.

The bank also noted that members of the public can contact
BNMTELELINK
 if they have enquiries or feedback regarding the service.

(Image: New Straits Times)

For context, Shopee’s SLoan is provided for both
consumers
 and
sellers
, allowing them to obtain loans of up to either RM100,000 or RM120,000 within 24 hours, respectively. The interest rate charged for the facility, meanwhile, stands at 18% p.a., with a flexible repayment tenure of either three, six, or twelve months.

For buyers, Sloan is intended as a solution that gives them “more financial flexibility to meet their needs”, whereas for sellers, the loan is intended as a working capital loan service to help facilitate business growth.

(Sources:
The Edge Markets
,
BusinessToday
)

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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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    Lau

    6 months ago

you can get much cheaper interest rate personal loan from bank than from SLoan at whooping 18%

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TNG GO+ Is Now Officially Shariah-Compliant

The
recently launched GO+ investment feature
 in Touch ‘n Go (TNG) eWallet is now officially shariah-compliant. This is following the conversion of its underlying fund – the Principal e-Cash Fund managed by Principal Asset Management Berhad – from a conventional unit trust scheme to an Islamic one.

With this latest update, investors should receive a new prospectus for the Principal e-Cash Fund, which will replace and supersede the earlier
non-shariah-compliant prospectus
 (dated 15 March 2021). Essentially, a fund is considered to be shariah-compliant when it is governed by the requirement of shariah laws. This includes excluding investment in the sale of items not permitted in Islam religion, such as alcohol, tobacco, non-halal provisions, gambling, or weaponry. It also requires going through certain processes such as the purifying of interest through charitable donations and annual shariah audits.

As such, one of the key changes that will be made to the Principal e-Cash Fund is the types of investments that it is permitted to tap into. Here is a summary of the types of investment permitted for the fund before and after this update takes place (based on an
earlier announcement
 by Principal Asset Management Berhad):

Previous prospectus (dated 15 March 2021)
Replacement Prospectus (New)
– Money market instruments traded in or under the rules of an eligible market
– Deposits (including cash (at bank) and placement of deposits)
– Debt instruments
– Any other form of investment as may be permitted by the SC from time to time
– Islamic money market instrument
– Islamic deposits
– Sukuk
– Any other form of shariah-compliant investments as may be permitted by the SC from time to time

Aside from this, Principal Asset Management has appointed Amanie Advisors Sdn Bhd as the shariah advisor for the Principal e-Cash Fund. Additionally, the fund’s benchmark will be switched from CIMB Bank Ringgit Malaysia Basic Savings Account Top Tier Rate to CIMB Islamic Bank Ringgit Malaysia Basic Savings Account-i Top Tier Rate.

The updated FAQ for TNG GO+ further offered advice for Muslim users who utilised the feature before it was made shariah-compliant. “Muslim unit holders who have been made aware of previous investments and received returns on their GO+ account before it was made Shariah-compliant are advised to purify their returns at their own discretion,” it clarified. Briefly, the purification process for such gains can be done via selected channels, such as channelling the proceeds towards charitable causes. The FAQ also noted that the Fund does not pay zakat on behalf of Muslim investors, which means they will need to pay zakat on their own.

Despite these changes, there will be no amendments made to the fee structure charged to its investors, so GO+ users can be rest assured that they will not need to pay more fees to use the e-wallet investment feature. Returns will also continue to be credited daily, although the fund house did not mention if there will be a change in the projected daily return rate. Previously, TNG eWallet noted that the
rate is projected at 1.47% p.a.
, although the indicative return rate will vary from day to day depending on market conditions.

(Source:
TNG eWallet
)

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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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Brazil’s Central Bank Suspends WhatsApp’s New Payments Service

Just over a week after Facebook-owned WhatsApp launched its new in-app payments service in Brazil, the feature has been suspended by the country’s central bank.

According to Brazil’s financial regulator, this decision was made to maintain an adequate competitive environment in the payments system market, ensuring the availability of a payment system that’s interchangeable, fast, secure, transparent, open, and cheap. Additionally, the central bank will take this opportunity to evaluate potential risks to Brazil’s payment infrastructure and to assess WhatsApp’s compliance with its regulations.

In line with this decision, Visa and Mastercard – both of which supported WhatsApp’s payments service – were also directed to cease offering payments and transfers through WhatsApp’s service. Non-compliance will see them subjected to fines and administrative penalties.

In response to this suspension, a WhatsApp spokesperson said that the company’s goal is to provide digital payments to its users in Brazil using an open model. As such, it will continue to work with local partners and the central bank to make this possible.

“In addition, we support the Central Bank’s PIX project on digital payments and together with our partners are committed to work with the Central Bank to integrate our systems when PIX becomes available,” added the spokesperson. The PIX project is in reference to the central bank’s own payments service, which is slated to be launched in November 2020.

(Image: The NEWS Minute)

This suspension in WhatsApp’s second biggest market is the latest obstacle for Facebook’s fintech ambition. The tech giant had been testing a closed beta version of the service in its biggest market, India, since 2018, but was met with various regulatory setbacks. Facebook had also tested its payment service in Mexico.

If allowed to proceed,
WhatsApp’s free payments service
 would have enabled users to transfer money or pay for purchases from small businesses via the platform itself, offering more convenience. It would also support debit and credit cards from several Brazilian banks, including Banco do Brasil, Nubank, and Sicredi.

(Source:
Bloomberg
,
TechCrunch
)

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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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4 Simple and Easy Things You Can Make for Your Baby

Step into any mother-and-baby store (such as Mothercare and Fabulous Mum) and you may observe that the number of eco-conscious products in these stores are rising. Some stores even have a dedicated corner for handmade and homegrown products.

While we laud the efforts these stores are making for bringing in these niche products, we can’t help but notice that these products often come with high price tags. Sure, handmade baby products can be safer for your baby, but as a parent(s) you need to think about your child(ren)’s – and your – financial future too. Also, read our savings tips for new parents on our
9 Ways You Can Stretch Your Money as New Parents
 article!

So, instead of spending thousands on baby things that you can easily make yourself, channel that money to your child(ren)’s education fund or savings account for the future. Here are some of the things that you can easily make for your little bundle of joy, and at the same time, deepen your parent-child bond;

1. No Sew Baby Blanket

For those who are averse to sewing machines, rejoice as it is indeed possible to make a baby blanket with minimum sewing skills and a lot of dedication. You will need:

• 1 meter of patterned anti-pill fleece

• Fabric scissors

• 4”x4” cardboard square

• Ruler

• A steady pair of hands

First, lay the solid colored piece of fleece on a wide surface.

Next, spread out the patterned piece of fleece and place it on top of the solid colored one. Smooth out the fabric wrinkles and ensure that all 4 corners are aligned properly.

Once you have done step 2, cut out a square on each of the 4 corners by using the 4” x 4” cardboard template.

Holding both pieces of fleece together, cut 4” deep and 1” wide fringes down all 4 sides.

Start tying double knots using both pieces of fabric from each fringe.

Your baby blanket is now complete!

2. Homemade Baby Wipes

Concerned about the chemicals you can’t even pronounce in the store-bought baby wipes? No worries, you can make your very own, cruelty-free, skin-friendly baby wipes. You will need:

• ½ roll heavy-duty paper towels

• ½ tablespoon of castile soap

• 1 cup of warm water

• ½ tablespoon of coconut oil/olive oil

• 1-2 drops essential oil (lavender or geranium)

• 1 old shoe box

Cut the roll of paper towels in half using a sharp knife.

Fold the sliced paper towels into the shape of an accordion and fit it into the shoe container.

Pour the cup of water into the bowl. Next, add the castile soap, coconut oil and essential oil and stir.

Pour the mixture over the paper towels and let it absorb. This will take from 7 to 10 minutes.

Ensure that the wipes are well soaked on both sides.

Take out the wipes and place it into the old shoebox. Store it in a cool, covered area.

3. Teething Toys

If you ever had the luck of caring for a teething baby, you would note that she will want to get her mouth on everything and sometimes, you too will be a part of her teething toy.

Avoid this by letting her chomp on these safely made, home-made toys instead! You will need:

• Cotton fabric for the front layer

• Terry cloth fabric for the back layer

• 2 ½ inch wood rings

• Headpins

• Fabric scissors

• Pattern piece for ‘bunny ears’

Prepare the pattern piece for your bunny ears by using the tracing paper.

Cut out the bunny ear shape on the cotton fabric. Ensure that the fold is cut so that the size is consistent.

Do the same thing as no.2, cut out the bunny ear shape on the terry cloth fabric.

Place both pieces together and keep it in place with head pins.

Sew the outer edges using a ¼ inch seam allowance, leaving a 2-inch opening along the side. Without slicing through your seam, cut off the tip at each end.

Turn the right side out through the side opening, poke out the ends and iron it flat. Ensure that you fold the edges towards the inside.

Top stitch the bunny ears, using a 1/8 seam allowance. Then, place the fabric trip on top of the wood rings, pinching it in the middle.

Grab both pointed tips and wrap it around the ring and under, coming through the center of the ring.

Ensure that both tips are facing the same way before pulling it through. Pull it until your knot is secured and you can see two tiny bunny ears coming out the top.

4. Baby Bibs

Found a few graphic tees that have seen better days? Give them a new lease of life by upcycling them into cool baby bibs which is not only practical but cute at the same time. You will need:

• The bib patterns

• Fabric scissors

• A sewing machine

• Head pins

• Tracing paper

• Clear tape

Cut out the bib pattern and trace the pieces backwards onto separate sheets of paper.

Cut out the second pattern pieces. Leave a small tab on the side of the bib piece and the bottom of the strap piece.

Use clear tape to tape together the bib pattern piece. Cut your tee-shirt down the side seams and lay it flat on the table

Place the pattern piece over the shirt design that you want to feature. Adjust the pieces until it is all set in place.

Cut the bib out. Then, use the bib that you have cut out as a reference for the back of your bib. Lay your bib upside down on the fabric that you have chosen for the bib’s back, pin and cut.

Keeping the right sides together of the two pieces, sew with a 1/4” seam allowance all the way around. Retain a small opening on the side of the bib to turn it inside out.

Turn your bib inside out and press out the seams. Fold the opening and pin it shut. Sew around the bib with a 1/4″ seam allowance.

Cut a small velcro and place it on the short side of one strap. Sew around the edges of the velcro.

Place the other half of the velcro on top of the one you just sewed. Place the straps on top of each other so that it will overlap, then peel off the second piece of velcro. Sew this piece of velcro on and voila, you’re done!

We hope that these handy tips will help you in your quest to save more money for your upcoming plans! Curious to know what are the things that you can do with the extra moolah that you have set aside?

As mentioned above, you can always start an education or savings fund for your baby dearest. If you’re looking for a junior savings account with the highest interest rate to help your child(ren)’s savings grow larger,
 compare the most popular junior savings accounts in Malaysia on our comparison page!

Have you ever DIY-ed baby stuff before? Share your experiences and ideas in the comment section below!

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Dewan Negara Passes Finance Bill 2021 With Voice Vote

(Image: Malay Mail)

Dewan Negara has passed the Finance Bill 2021 with a majority voice vote following its third reading by Deputy Finance Minister 1, Datuk Mohd Shahar Abdullah, and a winding up debate by six senators.

With this update, the government will be able to carry out various amendments to eight Acts, enabling the implementation of numerous measures that were previously announced in Budget 2022. The eight Acts involved include:

Income Tax Act 1967
Real Property Gains Tax Act 1976
Stamp Act 1949
Petroleum (Income Tax) Act 1967
Labuan Business Activity Tax Act 1990
Investment Promotion Act 1986
Finance Act 2012
Finance Act 2018

Of the many amendments that will be implemented on these Acts, the public has paid particular attention to the
inclusion of a new Section 106A
 to the Income Tax Act 1967. Under the new section, the director-general of the Inland Revenue Board (LHDN) will be able to gain direct access to taxpayers’ bank account information without informing or obtaining consent from them. This is, however, only permitted for
cases involving garnishee orders allowed by the court
.

Addressing this matter during the winding up debate of the Finance Bill 2021, Mohd Shahar explained that the legal proceedings involving garnishment cases are to enforce judgment by seizing or withholding what is due to a party. In this case, LHDN has the right to request for a garnishee order to ensure that tax arrears are paid.

“The introduction of this new provision will help LHDN to better administer the country’s direct tax system by minimising leakages due to taxpayers’ failure to settle their debts. It will also raise the rate of compliance among taxpayers,” Mohd Shahar further commented, adding that Section 106A does not give absolute power to IRB to simply access taxpayers’ bank accounts.

(Image: Bernama)

Aside from that, Mohd Shahar also highlighted several other medium-term strategies that the Ministry of Finance (MOF) has drafted up to raise tax revenue, broaden the government’s revenue base, harness the potential of the informal sector, and reduce tax leakages. “The ministry will improve tax administration through effective data management and we will be able to integrate data with the respective and relevant agencies,” he shared as one of the strategies.

Additionally, Mohd Shahar clarified that the government has no plans to implement a capital gains tax on the trading of shares. “However, there will be ongoing initiatives by the government to structure a tax system that is balanced, fair, and equitable in order to raise the country’s revenue. These initiatives are necessary as there are various measures needed to support the current and future Covid-19 rehabilitation process,” he commented.

(Source:
Malay Mail
)

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Alex Cheong Pui Yin

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Apple Watch, RM600 Lazada e-Voucher, And Samsung Galaxy S21 5G Are Featured Gifts In This Week’s Credit Card Deals

It’s that time of the week again — The Unbox This Week credit card campaign is here with gifts that will add excitement to your application!

For those who are new, RinggitPlus’ Unbox This Week is a campaign 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.

This week (
14 June – 21 June
), our featured bank partners include
HSBC Bank, Citibank, and Standard Chartered Bank
— if you’ve considered applying for a credit card with these banks, check out the rewards they’re offering below.

HSBC Bank: Samsung Galaxy S21 5G

This week round, HSBC wants to treat tech fans with an awesome gift – the Samsung Galaxy S21 5G!

This smartphone is equipped with the fastest chip ever in Galaxy with a 5nm processor on board that will allow you to binge-watch your favourite videos without interruptions.

During the campaign period, 20 winners will be randomly selected to take home this gift worth RM3,499. Successful applicants who are not selected will walk away with a Pensonic PVC-1000H vacuum cleaner, so everyone gets something.

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 prizes.

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.

Citibank: Apple Watch Series 6

Stand a chance to win an Apple Watch Series 6 when you apply for selected cards from Citibank through us! The watch will be gifted to 30 randomly chosen successful applicants who submit their application from 15 June to 21 June. Remember to also activate and spend a minimum of 8 retail transactions on your new card within 60 days upon gaining approval.

For all the other applicants who do not win the Apple Watch Series 6, there is no need to be disappointed because you get to walk away with something cool too! We’re gifting you a set of Redmi Airdot Earbuds plus Haylou LS02 Smartwatch.

Once the bank has confirmed your eligibility with us, you’ll receive instructions from us via email on how you can claim your gift.

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

Standard Chartered Bank: RM600 Lazada e-Voucher

From 15 June to 21 June , Standard Chartered is giving away a guaranteed gift of RM600 Lazada e-Voucher to ALL approved applicants so you can stock up on everything you need safely at home.

Everyone’s a winner when you apply for selected Standard Chartered Credit Cards. Just remember, you will need to activate your card within 30 days upon approval to be eligible for this prize.

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.

***

Also, just a reminder, 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 June (1pm), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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Types of Financial Stress and Battling Them

Money can be a source of happiness but it can also cause stress, anxiety and depression. Financial related matters such as high unemployment rate, steep incline of prices and the ringgit tumbling down can leave you stressed out and incapable of thinking clearly.

Money woes are nothing to be taken lightly as they can have detrimental effects on relationships, health and general sense of well-being.

Before you sink deeper into the money quicksand, we are here to help you recognize your problem and hopefully help you drag yourself out of it.

Money Stress 1: Expenses Greater than Income

You spend more than what you earn monthly. So you begin to finance your expenses using some form of debt like maxing out your credit cards, taking out loans and even dipping your hand into your retirement jar for some dough to pay your bills.

How to get through it:

Talk positively

Believe it or not, there is power in the language that you use. Always use positive language like Rhonda Byrne’s
The Secret
. Say, “I will only buy things I need” or “I will find another source of income” and see a shift in your mental attitude.

Focus on the now

The what-ifs are poison to the thoughts. You could run in circles thinking about how you could have done things differently or worse yet, thinking about how bad things are going to turn out. Get serious about cutting off your unnecessary spending so you can free up more money to pay off your debt. Control what you can in the present, not the past or future.

Get financial help

If things are too much to handle, talk to a trusted friend or family member. Consult a financial professional such as
AKPK
 to help you see options and solutions to your financial problems.

Money Stress 2: Living from Paycheck to Paycheck

Constantly counting the days till your next paycheck, you are barely scraping by. You are able to pay all of your bills but can’t seem to get ahead of your expenses. You are too busy paying everything off to have any emergency savings or build wealth for the future.

How to get through it:

Change how you view money

It’s amazing how changing your perspective on money can strongly influence how you manage it. Instead of viewing your income as a means of expenses, change it to one of savings. The habit of saving first and then spending it on expenses will fall into place.

Focus on the positive

Instead of dwelling on what is wrong with your finances, focus on what is going right. Be thankful in your ability to still be paying your bills. Make peace with your problems and aim to learn from your financial challenges.

Stay in control of the present

Always remind yourself that you are not in the future nor in the past. Stay in control by diligently saving your a portion of your income every month without fail.

Money Stress 3: Owing Family and Friends Money

Owing family and friends money can be terrible. Though you might benefit from borrowing without any interest and flexible debt payment, it can also cause a riff in your relationship if not tread carefully.

How to get through it:

Reject thoughts of failure

Never believe that a financial challenge is a sign of personal failure or weakness. Owing money doesn’t mean you’ve failed, it just means that you are going through a financial rough patch and are working your way through it.

Cut your debt

Work out a plan with whomever you owe money to pay off your debts. Identify unnecessary expenses that you can reallocate to debt payment. The faster you can pay all your debts, the better.

Money Stress 4: Lack of Financial Planning

Lack of a financial plan or goal can cause you to stress out and feel like you have lost control over your finances. This is what happens when you are disorganized, don’t keep track of your savings or spending and have no retirement plan whatsoever.

How to get through it:

Believe in your power

When it comes to your money, you always have the power to make a difference. It is never too late to start taking the reign on your financial planning. Start by keeping an expenses journal and set a financial goal towards retirement.

Invest and save

Use your money to create a secure financial future. Make a commitment to save or invest at least 10% of your income. You can also reduce your spending stress by forgoing impulse purchases.

At some point or another, all of us have our brush with financial woes. The thing is to not let it consume you to the point of breaking down. Take a deep breath and proceed with the steps mentioned above, and you will be on your way to a healthier financial status and also a healthier you!

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BNM: Blanket Automatic Loan Moratorium Is Unsuitable Response For MCO 3.0

Bank Negara Malaysia (BNM) has commented that a blanket automatic loan moratorium is not an appropriate response to the recent reimplementation of the nationwide movement control order (MCO 3.0). This is due to the less restrictive nature of the latest nationwide MCO – which starts today – in which nearly all economic sectors are still allowed to operate, unlike the previous one.

The governor of the central bank, Datuk Nor Shamsiah Mohd Yunus said that since the end of the
blanket moratorium that ended on 30 September
 last year, banks have been providing
targeted repayment assistance
 to those who are in need. “Banks are continuing to provide repayment systems including targeted moratoriums to borrowers who have lost their job and income. This will continue as some borrowers need help given the recent MCO,” she stated.

(Image: Bernama)

Datuk Nor Shamsiah also advised the public to speak to their respective banks promptly in order to obtain an assistance package that best suits their needs. She added that as of 31 March 2021, the banks have collectively facilitated 1.6 million applications for repayment assistance with an approval rate of 95%.

Aside from the banks, Datuk Nor Shamsiah said that borrowers can also approach multiple other channels that have been set up, including Telelink and the Credit Counselling and Debt Management Agency (AKPK) for advice or further assistance. According to her, BNM and AKPK have both helped 47,000 borrowers manage their debt obligations.

(Image: The Star)

“More importantly, borrowers are getting help that reflect their specific financial circumstances, so they would not incur more cost of debt than necessary and can get back on their feet faster,” said Datuk Nor Shamsiah, adding that BNM’s resources will continue to be mobilised to assist borrowers throughout this challenging period.

The governor of the central bank also reassured borrowers that their Central Credit Reference Information System record will not be affected by these assistances for the whole of 2021.

(Sources:
The Sun Daily
,
Malay Mail
)

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