Latest CitiCyberSale Campaign Offers Rebates And Rewards On E-Commerce Purchases, E-Wallet Top-Ups

Citibank is set to kick off its CitiCyberSale event soon, running from 26 March (that’s tomorrow!) to 4 April 2022. As you can expect, there will be plenty of promotions available, and one of the deals worth tapping into this time round is the CitiCyberSale Super Deals.

There are two categories of deals that eligible Citi cardholders can enjoy via this particular promotion: e-commerce deals (rebates when you shop on selected e-commerce platforms), as well as e-wallet reload deals (cashback, vouchers, or loyalty points when you reload specific e-wallets).

Read on for the full details.

CitiCyberSale: E-Commerce Deals

Lazada: RM30 or RM25 off (min spend RM200)

Period: 27 – 29 March 2022

For Citi cardholders shopping on Lazada, there are two promos that you can take advantage of, depending on which card you are using for payment during the checkout process:

Citi cards
Details
Total redemption allocated for the campaign
All Citi cards
Get RM25 off with a minimum spend of RM200 (excluding shipping fees)
First 3,500
Lazada Citi credit card only
Get RM30 off with a minimum spend of RM200 (excluding shipping fees)
First 2,000

To enjoy these rebates, you will first need to collect the vouchers for it, which will be made available at 12am, 4pm, and 8pm each campaign day. Once collected, you can then use them when paying for your purchases on the Lazada app during the campaign period; the vouchers will be automatically applied at the checkout payment page (product exclusions apply).

You will also be happy to know that these vouchers can be stacked with other brand, seller, and Lazada campaign collectible vouchers – thereby letting you enjoy even more substantial discounts! Note that each customer is only allowed one redemption of the voucher.

Shopee: RM18 off (min spend RM150)

Period: 4 April 2022

Enjoy RM18 off with a minimum spend of RM150 in a single transaction when you use any Citi cards to pay for your purchases on the Shopee app. Like the deals for Lazada, you’ll also have to collect the required voucher in order to tap into this discount, after which it can be applied during the checkout process.

Do be aware as well that this discount is only applicable for purchases made from Shopee Mall and Preferred sellers only, and is not valid for products such as baby diapers, food and supplements, top-ups, ticket and vouchers, as well as ShopeeMart’s Milo. Also, the promotion is provided on a first-come first-served basis, capped at 2,000 redemptions.

Zalora: 24% off + 4% cashback (min spend RM200)

Period: 26 – 31 March 2022

Citi debit and credit cardholders who spend a minimum of RM200 on Zalora will be entitled to a rebate of 24%, as well as 4% cashback during the campaign period. Note, though, that the 4% cashback reward is capped at RM80 per transaction, which will be credited back to your Zalora Wallet.

Be sure to apply the promo code (“
CITIZBDAY
”) when paying at the checkout page to enjoy the discount!

CitiCyberSale: E-Wallet Top-Up Deals

Lazada Wallet: RM18 cashback (min reload RM200)

Period: 26 March – 4 April 2022

Citi credit cardholders who top up a minimum of RM200 into their Lazada Wallet during the campaign period will be entitled to a cashback reward of RM18. If you do win the cashback reward, it’ll be credited into your Lazada Wallet within 30 days from the successful transaction.

Note that the cashback reward has a validity period of 60 days from the date it is credited into your Wallet, so make sure to use it before it expires! To apply the cashback reward for future purchases on Lazada, you will need to activate and choose Lazada Wallet as your payment option.

Citi and Lazada have allocated a total of 2,000 redemptions for this deal, provided on a first-come first-served basis.

GrabPay
:
: RM18 GrabFood voucher (min reload RM500)

Period: 26 March – 4 April 2022

Top up a minimum of RM500 into GrabPay using your Citi credit card, and earn a GrabFood voucher worth RM18! The offer is limited to one redemption per customer per round, and is capped at a maximum of 2,000 redemptions on a first-come first-served basis.

The GrabFood vouchers have a validity period of 45 days from the issuance date, and there are conditions to use them, so make sure to check! For instance, you are required to spend a minimum of RM40 in order to utilise the GrabFood voucher (excluding delivery fees), and you must make your payments via Citi cards, GrabPay, or PayLater by Grab.

Touch ‘n Go (TNG) eWallet
:
RM18 cashback (min reload RM500)

Period: 26 March – 4 April 2022

Earn RM18 cashback when you use your Citi credit card to reload a minimum of RM500 into your TNG eWallet. All cardholders are limited to one cashback redemption per credit card, with a total of RM36,000 to be given away on a first-come first-served basis (2,000 redemptions).

If you do win, the cashback reward will be credited into your TNG eWallet account within 10 working days from the transaction date.

Boost
:
7,000 Boost Stars (min reload RM300)

Period: 26 March – 4 April 2022

Eligible Citi credit cardholders who top up a minimum of RM300 into their Boost e-wallet using their cards will be entitled to 7,000 Boost Stars. Also offered on a first-come first-served basis, the reward is limited to the first 1,000 transactions, and each customer can only it once.

Customers who manage to win the Boost Stars will receive their reward in their BoostUP account (found in the Boost app) by 30 April 2022.

***

Most of these deals are set to begin tomorrow at 12am sharp, so remember to set your alarms so that you don’t miss out!

(Source:
Citi
)

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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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PM: Govt To Table Budget 2023 In February

(Image: Bernama)

Prime Minister Datuk Seri Anwar Ibrahim has announced that the updated Budget 2023 will be tabled in February next year. This came as Dewan Rakyat approved a temporary mini budget with an allocation of RM107.7 billion today, which will cater to essential expenses in the interim.

According to Datuk Seri Anwar, who is also the Finance Minister, the government will take a targeted approach under Budget 2023 in protecting the people and small businesses. This, in turn, is expected to help with reducing leakages that will benefit the wealthy, including conglomerates.

In addition to that, the updated Budget 2023 will also see social protections being strengthened to better protect the vulnerable groups, including gig workers. “To drive economic growth and national development, the government will encourage high-value private investment towards generating quality employment opportunities. Besides providing incentives for core sectors, the renewal of public delivery services will be enhanced to facilitate business and fight bureaucracy,” the prime minister further said.

(Image: The Star)

Datuk Seri Anwar also highlighted that Budget 2023 will ensure inclusive development, so that the government can shrink the gap between urban and rural areas, as well as between states. Additionally, it will address issues such as the strengthening of national security – not just from the perspective of border security, but also food and manpower security.

“Efforts to increase food self-sufficiency will also be prioritised in Budget 2023, in line with the sustainability agenda,” said Datuk Seri Anwar.

Meanwhile, the temporary mini budget that was approved by Dewan Rakyat today – referred to as the
Consolidated Fund (Expenditure on Account) Act 2022
 – will be used for essential expenditures such as
salary payments for civil servants, scholarships, and welfare assistance
 until the actual Budget 2023 is tabled and approved.

(Source:
The Edge Markets
)

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

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

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You Can Now Redeem Your ASNB Units Online Via myASNB

Starting today, Amanah Saham Nasional Berhad (ASNB) unit holders can redeem their ASNB units online via the myASNB portal. Under this new feature, you can withdraw up to RM500 a month across all unit trust accounts except ASN Equity 5 and ASN Sara 2.

According to ASNB, the provision of this online redemption facility acknowledges that its investors also need emergency financial sources in times of need. However, the withdrawal amount is capped so that unit holders can get the best returns from their investment in the long term, with RM500 being the set limit as it is an adequate amount for immediate emergency cash. To withdraw larger amounts, you can do so through an ASNB agent or at an ASNB branch.

The online redemption service is free, with ASNB
absorbing the fees
 and paying the charges to the bank. Thus, the number of transactions allowed is limited to three times a month, with a minimum redemption amount of RM100. The redeemed funds will be transferred directly to your bank account the following working day.

You can make your redemptions online during the existing operating hours of the myASNB portal: 7am-6pm daily for fixed price unit trust funds and 7am-4pm daily for variable price unit trust funds (excluding national public holidays). You must be a registered myASNB user in order to make the online redemptions.

According to ASNB, the introduction of the online money withdrawal facility is in line with the government’s call for financial institutions to make digital transaction facilities available, and to meet unit holders’ demand for more flexibility in managing their investments. However, ASNB also cautioned unit holders to use the facility wisely and only make redemptions when in pressing need.

In addition to the myASNB portal, unit holders will also be able to make online withdrawals via the myASB mobile app from 27 April 2020 onwards.

(Source:
ASNB
)

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    Guang Luji

    3 months ago

I have been saving in ASB for 40 years now with saving for old age is the main objective and time is ripe now for me to enjoy my saving. And I want to enjoy the convenience of using online transactions too. It’s quite stressing for elderly people to queue up at service counters! Having said that I find the allowable online withdrawal of RN500 per month is miserably too little! It’s insufficient even for a week’s spending. ASNB can set limit of withdrawal for new investors and those who are still having jobs at hand but should be more
…
Read more »

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Boost Offers Covid-19 Home Swab Tests At Discounted Prices, Starting From RM199

Boost is now offering Covid-19 home swab tests at discounted prices, with packages starting from RM199 instead of the normal price of RM380. The test on offer is the real-time reverse transcription polymerase chain reaction (RT-PCR) test, and it will be provided by medical laboratories that are certified and accredited by the Ministry of Health (MOH) Malaysia.

Those who purchase these tests will be able to make arrangements with the medical laboratories so that the necessary samples can be collected from your home at your preferred time and date. Then, depending on the package that you’ve bought, you can get your test results via email within a period of 12 hours to 3 days:

Gold
: RM199 for test results within 72 hours

Platinum
: RM299 for test results within 48 hours

Diamond
: RM599 for test results within 12 hours

Note, too, that the packages have a validity period of 30 days from the date of purchase, and that they are not transferable or refundable.

Currently, this offer can be found in the home page of your Boost app, under the “What’s New” section. Before you go ahead and book the test, however, you’ll need to check if this Boost offer is available in your area. The app will automatically prompt you to enter your postcode to confirm when you try to make your purchase, after which you can then book your slot by filling in some basic personal information and contact details.

You can also expect a call from Boost’s partnering medical laboratories within 3 hours to confirm your preferred scheduled time and date if you made your purchases between 9am to 9pm, and the next day for purchase past 9pm. This will be followed by a confirmation email.

Lastly, if you’re buying this test for work purposes, you’ll be happy to know that you can tap into the subsidy scheme offered via the
Program Saringan Prihatin (PSP) Perkeso programme
. To briefly explain, the PSP Perkeso programme is a screening programme for Covid-19 outbreaks carried out for workers (including foreign workers) for companies that are allowed to operate during the MCO and its variations. It currently provides a subsidy of RM150 for Covid-19 tests, but you can only claim it via your employers (only in selected areas).

You can find out more about this offer from your
Boost app
.

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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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Give a Gift to Remember with UOB’s Easy Payment Deals

Buying a great gift is now even easier with your UOB Credit Card. From 1 February 2013 to 30 April 2013, you can buy your loved ones or yourself any of the featured products in their catalogue on a 12-month easy repayment scheme at 0% interest.

Here’s our pick of the best (note while stocks last):

·         Canon EOS M camera – RM207 x 12 months = RM2484

·         Samsung Galaxy S3 Mini phone – RM95 x 12 months = RM1140

·         Apple Iphone 5 – RM199.92 x 12 months = RM2399

·         Apple Ipad Mini (wifi version) – RM133.25 x 12 months = RM1599

·         Apple MacBook Pro – RM308.25 x 12 months = RM3699

·         Burberry Smoked Check Brooklyn Small Hobo – RM207 x 12 = RM2484

·         For more, please check the
catalogue
 for other deals

All prices include delivery. Please contact DCR Marketing Customer Service for more info: 03-7710 8103. For terms and conditions, click
here
.

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Diana Chai

Diana Chai

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Embarrassing Money Topics to Discuss with Friends!

We all have secrets, don’t we? Some of them too personal that we successfully keep them locked up – while others, like money for instance, may surface as situations get tough.

When these money stories reach the parents, or anyone else you think can help solve the problem, it usually signals the alarm bells have gone off.

Fortunately, some of these topics can be talked out amongst friends to some avail but they can be pretty embarrassing to discuss. Let’s find out what the most common ones are.

1) I’ve Got a Major Credit Card Debt

Credit cards can certainly work for you if wielded with discipline. You get to reap a tonne of benefits off it like rewards points, cashback, exclusive travel perks and so much more.

However, there is the possibility of it working in the opposite direction if you don’t practise good spending habits. When it does, it could be a tough thing to discuss amongst peers.

It is a common sight that most Malaysian millennials find themselves in heavy credit card debt and can’t get out of it. A good
balance transfer program
 could pull you out of this mess with an interest free (0%) period that can go up to 36 months. It consolidates your debt into one card and could help you get back to where you were with its interest free period.

2) I Don’t Have Enough Savings

It’s pretty exciting to discuss about new stuff we’ve just bought with friends, but the fact that we can’t seem to save at all can be a little hard to discuss.

If you do find the time to talk about it, or a friend who knows about it brings it up, expect some some advice on seriously controlling your spending habits to stabilise your finances.

Things like impulse shopping and keeping up with the Joneses can be detrimental. Have a budget drawn out and monitor your monthly outflow of money. Consider locking up what you’ve saved from unnecessary spending in a lucrative
fixed deposit
 account to help regulate the habit profitably.

3) I Owe People Money

We’ve all got that one friend who borrows money for reasons unknown. These guys usually find ways not to talk about their money issues, but if you happen to be one of them, it’s time you take heed.

We may not know for sure the source of this money, but if you do find it difficult to pay back even on installment, you are facing serious money trouble. And we don’t blame you for not talking it out with friends.

Whatever your reasons are, consider taking up a
personal loan
 to clear off all your debt with friends or family and start back out on a clean slate. Speak to in-house advisors at banks to figure out a tenure and monthly repayment that would suit your situation best. You should be fine in no time.

Don’t be Afraid to Talk it Out!

Sometimes, that’s all you need to do. There’s nothing to be embarrassed about because thousands out there face similar problems. In fact, they could even be part of your circle of friends.

If you feel a little apprehensive with the advice you receive from friends or you’re just not comfortable discussing these money topics with them, speak to someone from the
Credit Counselling and Debt Management Agency
 (AKPK) and they should have a solution for you.

Have you been in a situation as described in the narrative above? Or do you know of an acquaintance that faces these problems? Fill us in at the comments section down below – we’d love to hear from you!

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Austin Victor

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MTA: Takaful Operators Keen To Play Their Part In Rahmah Insurance Initiative

(Image: Utusan)

The Malaysian Takaful Association (MTA) has expressed that its members are keen and prepared to collaborate with the government to introduce the Rahmah Insurance initiative in the near future.

Chief executive officer of MTA, Mohd Radzuan Mohamed said that takaful operators have begun holding discussions with the Ministry of Domestic Trade and Cost of Living (KPDN) after its minister, Datuk Seri Salahuddin Ayub proposed the idea last month. “Following the announcement, we had a series of engagements with the ministry to impart our knowledge as well as to share our offering, to assist the ministry with a sustainable Rahmah Takaful programme for the targeted markets,” he said.

Mohd Radzuan also shared that the Rahmah Insurance initiative will focus on assisting deserving segments of the society, including the B40 and M40 income groups, gig workers, and those who are working in the service sector. “This is where the ministry is actually looking at – how we (takaful players) can support them (the targeted segments) if they are involved in unfortunate incidents like an accident,” he added.

On 20 March, KPDN minister Datuk Seri Salahuddin had announced that his ministry
intends to roll out the Rahmah Insurance initiative
 under the
larger Payung Rahmah programme
, with the aim to provide affordable insurance and protection to the people. He also noted that the government may consider offering a range of takaful protection – including vehicle, as well as housing and real estate insurance – although this depends on the results of the ministry’s discussion with the industry players.

(Source:
The Edge Markets
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

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

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PM: Govt To Look Into TNG Monopoly Of Highway Toll Collection System

(Image: Malay Mail/Shafwan Zaidon)

Prime Minister Datuk Seri Anwar Ibrahim has said that the government will look into reviewing Touch ‘n Go’s (TNG) monopoly of the highway toll collection system, given widespread public opinion that TNG’s system and service have ceased to see convincing development.

“You are right, TNG has been in operation for more than two decades. There has not been any convincing development and progress in the system. And I think you are right, we have to reconsider that,” said the prime minister during a youth dialogue session, where he was asked if there were plans to reconsider TNG’s domination of Malaysia’s transport and road systems, including highway toll collection.

Commuters and motorists are currently only able to use TNG as the sole contactless payment option when paying for public transportation fees and highway tolls in Malaysia, via methods such as the
TNG PayDirect
 and the recent
enhanced TNG card with near-field communication (NFC) capability
.

(Image: Malay Mail/Shafwan Zaidon)

Certainly, there had been previous plans to introduce other contactless payment methods; for instance,
PLUS Expressway and CIMB
 had said before that it hoped to enable bank account, as well as credit and debit card payments for RFID back in 2019. More recently, PLUS even said that
debit and credit card payments are being tested at selected toll plazas
. However, none of these have yielded solid results so far.

Similarly, former Works Minister Fadillah Yusof had also previously stated that the public will soon have the
freedom to use any digital payment methods
 when travelling. That said, this depends on when the RFID penetration hits a satisfactory rate to allow the implementation of the multi-lane fast flow (MLFF) system, as well as when highway concessionaires are ready to link up with additional online payment providers, he noted.

Current Works Minister Datuk Seri Alexander Nanta Linggi also
reiterated this claim
, stating that the likelihood of enabling alternative cashless payment methods for RFID toll payments is quite high. However, he, too, did not share whether his ministry is in the middle of piloting any tests the implementation of such systems.

Meanwhile, there have been calls from several parties to end the current monopoly that TNG has over the highway toll collection and public transportation systems. These include the
Federation of Malaysian Consumers Association (FOMCA)
.

(Source:
Malay Mail
)

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

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

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5 Reasons To Set Up Your Business In Gardens Square

We’re currently in the age where most businesses are thinking of new ways to bring their business online and better ways of gaining traction digitally. Although digital transformation is on the minds of many business owners, that’s not to say that there isn’t much value in physical operations. In fact,
76% of Malaysians
 prefer shopping at physical stores as they find it more enjoyable compared to its online counterpart.

When finding a suitable place to set up a business, a few things must be considered. Do the target audience reside near the location? Is it easily accessible to them? Does the location offer additional features that could be of value? Does the rental cost or property price meet the business’ budget? Regardless of where the venue is located or what the business is offering, setting up a physical store requires many considerations. If your business is looking for a brand-new location with an attractive catchment population and supported by strong placemaking activities like Xploria and the first Skyline Luge in Malaysia, Gardens Square at Gamuda Gardens may be a great option to consider.

Be the first few to operate in Gardens Square, Gamuda Gardens’ commercial hub with an impressive population forecast, a variety of premier shop lots and shop offices to choose from, and eco-friendly features.

The 6.7-acre business and retail area is set to drive visitors from everywhere thanks to the many placemaking initiatives it has in place, such as the first ever Skyline Luge in Malaysia, which is expecting a footfall of 1 million people each year. Not only that, nearby residents and businesses will likely populate the area with its captivating design, community-centric activities, and tenants.

Don’t miss out on your chance to make Gardens Square your next business location. This investment opportunity promises a prestigious retail experience that could lead to great returns.

To learn more about setting up your business in Gamuda Gardens’ first commercial hub,
click here to visit the website
 or give them a call at 03-92120440.

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Lisa Ameera Azman

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Malaysia Airlines Enrich Members Can Redeem Shopee Voucher Codes With Enrich Miles

Malaysia Airlines (MAS) has partnered with Shopee in the e-commerce platform’s Raya Bersama Shopee campaign, allowing Enrich members to redeem their Enrich Miles in the form of e-Shopee voucher codes.

According to MAS’ announcement, the redemption rate and redemption/usage period will differ between Enrich members who are new and existing Shopee users.

As a new Shopee user, you will be able to redeem 900 Enrich Miles for one RM10 e-Shopee voucher code, starting from today until 25 May 2020. You will then be able to use your voucher from 1 May to 26 May 2020, subject to a minimum spend of RM40. However, you are only allowed to redeem one voucher per person, and it is non-transferable.

As an existing Shopee user, however, you can redeem up to a maximum of 5 vouchers, set at a redemption rate of 1,000 Enrich Miles for one RM12 e-Shopee voucher code. The redemption period starts from today until 14 May 2020. Subsequently, you can use the vouchers on 14 and 15 May 2020, provided you spend at least RM100. You are also not allowed to stack the vouchers when making your purchases, but they can be transferred to your family or friends, as long as the recipients are also existing Shopee users.

To redeem the vouchers, here’s what you need to do:

Log in to Enrich Online.

Select “Redeem – Lifestyle Vouchers”, and choose Shopee.

Set the quantity of vouchers that you wish to redeem, and submit your application for redemption.

Once approved, the voucher codes will be sent to the email address that you used to register with Enrich. Note that the redemption of these voucher codes is subject to availability, and the vouchers can only be used on the Shopee app, and valid to purchases from Shopee Mall and Preferred Sellers only. Additional restrictions include using them to purchase diapers and potties, baby food and formula, tickets and vouchers, S-Mart Milo, as well as automotive merchandises.

At a rate of 900 Miles for RM10 and 1,000 Miles for RM12, the redemption values are 1.11 sen and 1.2 sen per Enrich Mile respectively. It’s definitely not as high as the 4.75 sen per Mile valuation from redeeming flights, but it’s still higher than the
ongoing promotion for Boost e-wallet credit redemption
 (at 2,000 Miles for RM20 credit, the valuation is 1 sen per Mile). That said, if you have expiring points soon, it may make more sense to redeem Boost vouchers instead of Shopee vouchers.

For starters, there is a minimum spend requirement of RM100 to use the Shopee vouchers. At that rate, you only get a maximum 12% discount from your purchases. You should be able to save more by stacking it with seller vouchers, though.

That said, the upcoming Shopee campaign will also see a slew of bank voucher codes with the same value (RM12 off minimum spend of RM100) as long you use the bank’s debit or credit card to complete the purchase (example codes include RAYACIMB, RAYAPBB, RAYAMBB, etc, and are only usable on 14-15 May). These vouchers come at no additional cost to the user, unlike spending Enrich Miles to obtain the same voucher value.

To find out more about the
Raya Bersama Shopee
 promotion, head on over to MAS’ campaign page.

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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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Maybank Grab Mastercard Platinum Review: The GrabPay Sidekick

(
Updated 27 July 2022.
)

Back in August 2020, three powerhouses: Maybank, Grab, and Mastercard teamed up to conceive the Maybank Grab Mastercard Platinum, a credit card that uses the GrabRewards points system instead of Maybank’s TreatsPoints. The co-branded card struck a lot of firsts in the market – including
same-day online approval
, instant issuance of a temporary digital card for Maybank2u users, and being Malaysia’s first
dual-faced card.

While there certainly are a lot going for it, this card has a lot to prove given the popularity of Maybank’s credit cards. Let’s delve in a bit deeper and see just how rewarding the core benefits of the Maybank Grab Mastercard Platinum are.

Up to 5x GrabRewards Points And No Cap In Points Earnings

The Maybank Grab Mastercard Platinum’s benefits are simple: you earn GrabRewards points on every ringgit you spend on the card. You earn the highest
5x points multiplier
 for Grab-related transactions and 2x points for overseas and e-commerce spend. For other local transactions (except for some exclusions like government and non-Grab e-wallet transactions), you earn 1 GrabRewards point for every RM3 spent.

Expenditure
GrabRewards Points
Purchases made in the Grab app (including GrabPay e-wallet reloads)
5x points for every RM1 spend
E-commerce and overseas purchases
2x points for every RM1 spend
Eligible local transactions
1x points for every RM3 spend

Unlike the Maybank Shopee Visa Platinum and the CIMB e Credit Card, there is
no cap on the amount of GrabRewards points that you can earn
 in a calendar month with the Maybank Grab Mastercard Platinum.

While we’re on the topic of earning GrabRewards points, it’s important to note the
recent update in mid-2022 on the points expiry mechanism
 that effectively makes GrabRewards points evergreen. Now, you simply have to make a transaction using GrabPay and your entire points balance will expire on the next three-month block. This effectively means your GrabRewards points will not expire, as long as you continue to use Grab regularly.

In comparison, most credit card rewards points have an expiry date. Maybank’s TreatsPoints, for example, have a validity period of 3 years after the transaction. Plus, GrabRewards points not only can be used to redeem vouchers from the catalogue, they can also be used to directly offset purchases.

Earn Up To 5% In Effective Returns

With the introduction of the
new GrabUnlimited plan
, which now determines the redemption rate of your Grab vouchers, it also changes the effective returns of the Maybank Grab Mastercard Platinum – and surprisingly, it’s potentially better than
before
 the GrabUnlimited revision.

While you can use your GrabRewards points to redeem miscellaneous things like shopping vouchers and prepaid top-ups, for the purposes of this review, we’ll focus on the redemption of Grab vouchers for Grab services in values of between RM5 to RM20 (as they generally have the best redemption value).

For these vouchers, the redemption rate has been updated to 750 points or 500 points for RM5 – depending on whether you’re subscribed to GrabUnlimited or not. Assuming that you are, each GrabRewards point will then actually be worth 1 sen (RM5/500 points). Based on this rate, here’s the respective percentage of cash-equivalent returns for each category of spend using the Maybank Grab Mastercard Platinum:

Expenditure
GrabRewards Points earned
Rate of Returns
Purchases made in Grab app (including GrabPay e-wallet reloads)
5x
5%
E-commerce and overseas purchases
2x
2%
Eligible local transactions
0.3x
0.3%

Before the GrabUnlimited revision, the Maybank Grab Mastercard Platinum’s maximum effective rate of return was 3.175% based on the old redemption rate of 800 GrabRewards points for a RM5 voucher. Since the revision improves the redemption rate (for both GrabUnlimited and non-GrabUnlimited subscribers), it also
effectively improves the returns of the Maybank Grab Mastercard Platinum
.

If you’re not too keen on using your points on Grab vouchers, another way you can use your points is through the
Pay With Points
 feature. The main advantage of the Pay With Points option is that you’re not limited to reaping your rewards through Grab vouchers only. Instead, you can use your points at any of Grab’s in-store merchants and for online purchases too, making it more flexible than traditional banks’ rewards points.

Pay With Points can now also be used for online purchases that support GrabPay too!

Pay With Points allows you to offset 50% or 100% of your transaction on GrabPay using your GrabRewards Points. However, the value of each GrabRewards point is significantly lower at 0.606 sen per point (RM1 for 165 points). In turn, it affects your rate of returns as such:

Expenditure
GrabRewards Points
Rate of Returns
Purchases made in Grab app (including GrabPay e-wallet reloads)
5x
3.03%
E-commerce and overseas purchases
2x
1.22%
Eligible local transactions
0.3x
0.20%

Pair It With GrabUnlimited: Earn Up To 6.5% Effective Returns

With up to 5% returns, the Maybank Grab Mastercard Platinum is a pretty solid card – even if you’re essentially tied at the hips to the Grab ecosystem. The biggest benefit of the card lies in its 5x points for Grab transactions – you also earn 5x points for GrabPay top-ups as well.
(Incidentally, this also makes it
the only Maybank card that offers rewards for e-wallet top-ups.
)

Therefore, one way to maximise the benefits of this card is to use it exclusively to top up your GrabPay wallet with the Maybank Grab Mastercard, and then use GrabPay for other payment. Pair it with a subscription to GrabUnlimited (RM4.90/month), and you’re looking at an effective 6.5% returns!

Top up GrabPay using Maybank Grab Mastercard (5%) + Spend using GrabPay with GrabUnlimited (1.5%) = 6.5% effective

Of course, this is a best-case scenario where you are a GrabUnlimited user, spend using GrabPay, and redeem vouchers at the preferred 500 points = RM5 rate. For non-GrabUnlimited users, the effective returns drop quite considerably to 3.83% due to the reduced earn and redemption rates.

In addition, some GrabPay transactions do not earn points, such as scanning a non-GrabPay DuitNow QR code and bill payments on the Grab app – but with the Maybank Grab Mastercard Platinum, you’ll still be earning 3.35% (non-GrabUnlimited) to 5% (GrabUnlimited) from topping up GrabPay.

As you can see, the GrabUnlimited upgrade actually makes the Maybank Grab Mastercard Platinum
more
rewarding – which leads us to believe a revision to this card is probably on the cards. We’re sure the folks at Maybank and Grab are aware of this, but for now at least there’s no word on that happening yet, so there’s still time to enjoy the additional rewards.

Competition – Is It As Good As Other Cards With E-Wallet Rewards?

Now that we know that the Maybank Grab Mastercard Platinum can garner
up to 5% returns
, here’s the other important question: how does it fare against
other credit cards that offer rewards for e-wallets
? There are other cards such as the
CIMB e Credit Card
, which
3% on the 28
th
 of every month
.

For the heavy spenders, there’s also the
Affin Duo cards
 where the Affin Cash Back Visa Card offers 3% cashback on online expenditure, including e-wallet reloads, capped at RM80 per month (provided you have an
outstanding balance of RM3,000 and above from the previous month
).

While offering lower return rates, these two cards’ benefits aren’t limited to just one e-wallet. Given how varied the choice of e-wallets are in the Malaysian market right now, it’s something to consider when making your decision.

Conclusion: For The Everyday GrabPay Users

All in all, the Maybank Grab Mastercard Platinum is the best companion that turbocharges your returns if GrabPay is your preferred e-wallet of choice, allowing you to earn up to 6.5% (5% from topping up and 1.5% via GrabUnlimited) on a range of daily expenses.

In fact, even if you actively use multiple e-wallets alongside GrabPay, the Maybank Grab Mastercard Platinum could cover your GrabPay use while you use other cards to double dip on other e-wallet usage. This optimises your returns – especially considering the 6.5% effective returns is almost 2x that of other cards that offer rewards on e-wallet top-ups. After all, the
Maybank Grab Mastercard Platinum
 is free for life with no annual fees.

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Jacie Tan

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    Jonathan Tan

    2 years ago

Great Write Up.. Thank you so much for the explanation..

3

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    Nuh

    1 year ago

Weird? I see that the date of the article is 27th July 2022. But the only other comment here is 1 year ago.

????????

Is 27th July 2022 the latest revision maybe?

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    Pang Tun Yau

    1 year ago

    Reply to

        Nuh

Yup, our original article was published over a year ago. We updated it on 27 July, taking into account the changes to Grab’s rewards system on GrabUnlimited.

1

Reply

    Malcolm

    9 months ago

Thanks for the explanation! great help

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    john

    7 months ago

Hi, does it mean I will not get any reward points if I top up on other non-grab e-wallet apps?

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    SAN

    5 months ago

Time to update the article again with the recent changes effective 1st April 2023

1

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Lazada Rolls Out BNPL Service, LazPayLater

Lazada has finally rolled out its very own buy-now-pay-later (BNPL) service, called LazPayLater, allowing eligible users to make their purchases now and pay at a later date. Currently, the service is only made available to selected pre-qualified users, who will also need to submit an application to use the service.

Those who tap into LazPayLater will have the option to delay the payment of their purchases up to 30 days later with zero interest, or opt for an instalment plan of 3, 6, or 12 months. As you can expect, opting for monthly instalments will incur a small fee, set at 1.5%.

You may also need to pay an overdue fee of RM30 if you fail to pay your instalments in time, as per your monthly statement bill. Note that the monthly statement cycle starts and ends on every 10
th
 and 25
th
 of the month, respectively (statement due date is currently fixed and cannot be modified).

Aside from that, do also be aware that each user will be entitled to a credit limit of up to RM4,000; the actual limit offered to you upon successful application will be calculated based on your personal information and a comprehensive evaluation of your profile. There is also currently no option for you to request for an increase in your LazPayLater credit limit, although Lazada did say that it will inform you through push notifications once you are eligible for an increase.

While LazPayLater can be used for the purchase of most products on the e-commerce platform, it is not applicable for the purchase of certain products under the digital goods category (such as e-vouchers and gift cards) and the fine jewellery category. As such, make sure to double check beforehand! Here’s a quick guide from Lazada on how to use LazPayLater as your payment option:

As for repaying your LazPayLater bills, payments can be made via a variety of channels, including Lazada Wallet, online banking, credit and debit cards, as well as the Touch ‘n Go (TNG) eWallet and Boost e-wallet. You can view your billed and unbilled LazPayLater statements by tapping on the “View Details” button found in your LazPayLater account.

If you’ve been chosen as a pre-qualified user and would like to give LazPayLater a try, you can apply for the service by heading over to the Lazada Wallet section in your My Account page and following this concise guide by Lazada:

You can check the status of your application on your Lazada Wallet page, but do note that the verification process may take up to 24 hours.

To note, the chief executive officer of Lazada Malaysia, Alan Chan, had hinted earlier in September 2022 that the e-commerce platform is set to
launch its BNPL service “very soon”
. Back then, Chan also said that Lazada had taken some time to roll out the service because it wanted to “bring the best breed of partners to provide financial services into our platform”.

(Source:
Lazada
)

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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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    Michaelfel Aca-ac

    9 months ago

What is the interest computation for purchases thru lazpaylater beyond 30 days? Is it 1.5% straight? Need disclosure  and clarification with this issue since it will help customers in their decision

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Malaysia Public Holidays & Long Weekends 2021

Once again, we help you plan your annual leave by highlighting which public holidays fall near the weekends – so that you can enjoy a longer break just by applying for one or two days of leave. Of course, while we may not be able to travel as much this year due to the ongoing Covid-19 pandemic, we still need to take some time off from work to rest and recharge.

Take a look at the upcoming long weekends for 2021 below to plan your leave accordingly!

Sadly, some public holidays such as Labour Day, Christmas, and 2022’s New Year all fall on Saturdays this year – so you won’t enjoy the additional day off if you normally have a Monday to Friday work week. On the bright side, we still have long weekends to look forward to in the months of January, February, May, June, and July – with April, August, September, October, and November also offering 4-day weekends if you apply for just one day of leave.

So, plan your leave wisely as usual this year and remember to get some time away from work even if the borders are still closed!

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Is Your Tax Refund on The Way? Don't Spend it Just Yet

Looking forward to your tax refund? Well, after reading this you might want to wait a little longer before spending it.

Tax season is upon us again! And while it’s generally not the favourite time of year for taxpayers, most look for comfort in the arms of their refunds.

Now if you are a salaried employee that has paid your income tax through
Monthly Tax Deductions
, you’ll most likely receive a refund which could be a nice, big amount if your tax reliefs are substantial.

Furthermore, taxpayers that use
e-Filing
 have the advantage of receiving their tax refunds even sooner, to be exact, within 30 days of filing, with interest payable for late compensation.

But even though it may be tempting to spend your refund right away, you’re better off holding on to it for just a little while longer and here’s why…

Mistakes Happen

Even though you try your best to be as careful as possible when declaring taxes, mistakes do happen.

Unfortunately, even little slip-ups can have costly repercussions. For instance, if you are audited and filing errors are found, the Internal Revenue Board of Malaysia (IRBM) could impose heavy penalties and fines, even prison time (yikes!).

Here are a few self-declaration boo-boos that commonly occur:

Accidently putting in the wrong figures.
 People tend to mix up sixes and nines, and unintentionally leave out or add in zeros when filling in forms. Imagine how dramatically different a sum can appear with these mistakes.

Incorrectly declaring your income or forgetting to include some.
 Your income activities over the course of the year may not be fresh in your mind and errors may occur as a result. Still, this excuse is very likely unacceptable to the IRBM.

Mistakenly claiming unqualified reliefs.
 It takes time and effort to understand and apply taxes, but if you’re a last minute kind of guy or gal, you might blaze through it even if you don’t quite understand certain aspects of your taxes.

In these instances, you would be required, at the discretion of the IRBM to pay the excess and possibly incur fines as well as a prescribed percentage of the undercharged payments.

On the other hand, if you haven’t been audited but have personally discovered an error, you can voluntarily inform the IRBM and make amendments. You may still need to pay an
increased tax
 but it will certainly be a whole lot cheaper than if you are caught and
fined
.

So you can see why you might need to hang on to your refund for a bit. It’s all too easy to make a mistake and to be penalised for it, just the same.

What to Do With Your Tax Refund in the Meantime

If you don’t spend your refund immediately, what can you do with this money?

Well, one smart and safe option is to put it away in a high-interest savings account for at least 90 days. This way, you can earn interest on your refund and still have the flexibility to pull it out if the need arises.

Need help finding a high-interest savings program that is just right for you? Then check out our
savings account comparison tool
 to discover one that fits the bill!

Will you be holding on to your tax refund when it comes in? Let us know in the comment section below!

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Desiree Nair

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Shopee SPayLater Imposes 1.5% Processing Fee On One-Month BNPL Payment Plan

Shopee has updated the processing fees of its SPayLater service, now imposing a 1.5% charge even for its buy-now-pay-later (BNPL) payment plan where customers opt to pay off the full amount of their purchases in the following month. This revision will take effect starting from today (17 October 2022).

With this latest update, the processing fees and late charges for all SPayLater payment plans will follow the rates as shown below:

So as you can see, this means all Shopee users will now incur a standard 1.5% processing fee the moment they tap into the SPayLater feature. This is regardless of whether they choose to pay the full amount of their purchases in the following month (not in instalments), or in instalments of two to twelve months.

Prior to this revision, SPayLater users who choose to clear their BNPL payments in full in the following month were not required to pay any processing fees; only those who opted for SPayLater’s instalment plans will be hit with the 1.5% fee. As such, the feature offered a convenience that is similar to the interest-free period for credit cards, where users were able delay paying for their purchases for a period without incurring interest.

With this update, this perk is clearly removed for SPayLater. Meanwhile, the standard late payment fee for all SPayLater’s payment plans remain unchanged; users will still have to pay an RM10 late payment charge to reactivate their frozen SPayLater account if there are any unpaid or outstanding amount.

Shopee’s SPayLater service was
first rolled out in early 2021
, and initially only allowed users to “postpone” the payments of their purchases to the following month, or convert them into monthly instalments of between two to six months (as opposed to the current twelve months, although this option is offered only to selected users). It had also
already revised its processing fee and late payment fee once in July this year
, along with the introduction of different payment cycles.

(Source:
SPayLater
)

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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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    Choo Theam Hooi

    10 months ago

charging a standard 1.5% processing fee the moment they tap into the SPayLater feature. This is regardless of whether they choose to pay the full amount of their purchases in the following month (not in instalments), or in instalments of two to twelve months is not fair to users wo choose to pay full amount. SPayLater should follow credit cards whereby users paying full amount were not charge. If SPayLater still insists of charging, then inform users earlier so that they have a choice.

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    Zaffry

    9 months ago

I tried to buy an item priced at RM443.31 and the processing fee is RM39.91 , regrettable , will never use the BNPL anymore, I wanted to pay in full three weeks later when I realise but the processing fees still imposed WTH

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    norshamshiela

    8 months ago

eh sakit pulak hati aku baru tahu benda ni !!! aku suke guna spaylater sebab senang x byk step . x yah nk tac bagai. aku ade je duit cuma guna sebab senang. aku pon ade credit card tp mls nk tggu msos code sbb line sim area rumah x clear nk tggu kod masuk . mmg xkan aku guna lg spaylater ni!!!

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    zamri

    8 months ago

I was just so happy that shopee had increased my limit but after accumulated purchase of above MYR1000, I just realized that 1.5% processing fees are now imposed on top of the purchased price. No more SPayLater for me.

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Maybank Revises Branch Operating Hours Due To Covid-19

Maybank is temporarily revising its branch operating hours based on Covid-19 zones across Malaysia. The new operating hours will come into effect starting today 4 January 2021.

Branches in Covid-19 red zones will see their operating hours revised to between 9.30am and 3pm for all services. For repayment assistance services, Maybank branches will be open for an additional hour from 3-4pm. However, do note that some branches will be operating on an appointment-only basis via
Maybank EzyQ
, which allows you to schedule an appointment online ahead of your visit to the branch.

(1/2)
#MBBAlert
To safeguard the wellbeing of our customers & employees, we will temporarily revise our branch operating hours, from 4 Jan 2021.

Red Zones*
9:30am-3pm (all services)
3pm-4pm (Repayment Assistance)

*Some branches operating on appointment only via Maybank
#EzyQ

— Maybank (@MyMaybank)
January 3, 2021

Meanwhile, branches in Covid-19 yellow and green zones will be open from 9.30am until 4pm for all services. According to Maybank, the change in operating hours was done to safeguard the well-being of its customers and employees.

Maybank further announced that from 31 December 2020, selected Maybank branches would be closed or operating on different opening hours from the general times stated above. For the full list of updated branch-specific operating hours, you can refer to
Maybank’s complete document here
.

(Source:
Maybank
)

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Get Guaranteed RM600 Cash Via DuitNow Or Win Sharp AQUOS 60” 4K UHD TV

Updated 17 November 2022

The Unbox This Week credit card campaign is back with amazing gifts that you won’t want to miss.

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 to 21 November 2022, our featured bank partners are

none other than
Citibank, HSBC Bank, Standard Chartered Bank, 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!

Citibank – RM600 Cash Via DuitNow

Get a guaranteed RM600 Cash Via DuitNow when you apply for a Citibank Credit Card this week! Spend it on essentials, meals, and more.

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 – Sharp AQUOS 60” 4K UHD TV

Whether it’s for watching sporting events, action movies, or playing your favourite games, a ginormous smart TV can do it all. Win one when you apply for a HSBC Credit Card!

The Sharp AQUOS 60” 4K UHD TV will make a great addition to any home with all the latest high dynamic range (HDR) standards, light technology that gives off life-like effects, and a processor that converts videos into 4K resolution seamlessly.

For those who are not selected, you will still walk away with RM600 TNG eWallet Credit.

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 – Samsung Galaxy Tab A7

Need a sharing device for your family? Or one that fits in your palm so you can keep it close everywhere you go? Win the Samsung Galaxy Tab A7 when you apply for a Public Bank Credit Card!

Stream a variety of content including movies, videos, and more but with Dolby Atmos surround sound. Equipped with an Octa-core processor and 3GB RAM, it’s fast so you don’t have to worry about waiting for your things to load.

For those who are not selected, you will get a guaranteed RM100 Shopee e-Voucher.

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 – Suunto Spartan Trainer Wrist Watch

Find your health partner in the Suunto Spartan Trainer Wrist Watch, which you could win when you apply for a Standard Chartered Credit Card. It is designed to help you keep up with your health and fitness journey with optical heart rate tracking, activities monitoring such as step counts and more.

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

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 – Xiaomi Smart Band 7 Pro or Samsung Galaxy Fit2

Take home a guaranteed Xiaomi Smart Band 7 Pro or Samsung Galaxy Fit2 when you apply for a new Alliance Bank Credit Card.

The Xiaomi Smart Band 7 Pro is an eye-catching fitness watch that comes in six vibrant colours, has a 1.64″ rectangle AMOLED display, 12-day battery life, and is best of all, guaranteed to you when you apply for an Alliance Credit Card with Balance Transfer.

Meanwhile, you will receive the sleek Samsung Galaxy Fit2 that boasts an up to 50m 5ATM certification, optical heart rate sensor, and more when you apply for an Alliance Credit Card.

Upon approval, you just have to activate and spend to meet the requirements of the campaign and be eligible to get the 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 21 November (11am), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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Chee Jo-Ey

Chee Jo-Ey

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Finance Ministry: EPF To Release i-Sinar Details On 2 December

(Image: Malay Mail)

Finance Minister Tengku Zafrul Abdul Aziz said that the Employees Provident Fund (EPF) will be releasing detailed information on the i-Sinar facility on 2 December 2020.

“The EPF will announce the details, how the process is, and others on Wednesday,” said the minister during a programme produced by Bernama TV. The information provided then is expected to clear the public’s current confusion over the eligibility and process to withdraw their contributions via the facility.

The
i-Sinar facility
 was first revealed by the EPF about two weeks ago as an alternative to Tengku Zafrul’s proposal to let selected EPF contributors make
withdrawals from their EPF Akaun 1
 during the tabling of Budget 2021. Under this proposal, eligible contributors will be allowed to withdraw RM500 per month, for up to RM6,000 for 12 months. In response, the
EPF consulted its stakeholders
 to propose i-Sinar, which is an
advance facility
 instead of a withdrawal facility. In other words, members who tap into it will need to replenish the amount taken out.

(Image: Astro Awani)

During this initial announcement, the EPF also explained that the amount that can be withdrawn via i-Sinar will depend on the existing balance that members have in their Akaun 1:

Members with RM90,000 and less: Up to RM9,000 (subject to a maintaining a minimum balance of RM100)

Members with RM90,000 and more: Up to 10% of Akaun 1 savings (capped at RM60,000)

Following that, Tengku Zafrul announced an update to i-Sinar in his winding up speech of Budget 2021, saying that the facility will now be
expanded to all contributors whose income is affected
 by the Covid-19 pandemic. This includes individuals who faced job losses, pay cuts or reduction in allowance, unpaid leaves, or loss of income (self-employed). The facility will also be made available to both active and non-active EPF members.

On top of that, the government also agreed to increase the maximum advance limit for EPF members with RM90,000 and below in their Akaun 1 from RM9,000 to RM10,000.

The EPF further clarified in a separate
statement
 that i-Sinar will be open for application in mid-December 2020, with disbursement to begin a month after approval is granted.

(Source:
Bernama
)

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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 Plan A Euro Trip On A Shoestring Budget

With the falling Ringgit Malaysia, it’s getting harder and harder to travel outside of Malaysia, especially when it comes to travelling around Europe.

Fortunately, with good planning, plenty of research, and a positive can-do attitude, you can still travel to your dream destinations in Europe without having to sell your kidney. Here are some practical tips that might help you(r bank account) plan an economical and enjoyable Euro trip.

Track The Exchange Rate

Since Euro is much higher than Ringgit Malaysia, follow the exchange rate in advance (even months before your planned travel dates) and plan your trip when the exchange rate is at its lowest. Every cent counts when you travel, and it’s better to have as much money as you can to better enjoy your Euro trip.

Make Use Of Your Credit Card Rewards Program

Check if your credit card offers a rewards program that includes air miles and discounts on hotels. You can redeem your points for flight tickets and accommodations to offset your travel expenses. Even the smallest savings, when accumulated, can help stretch your travel budget further.

Cut Down On Accommodation

If you prefer comfort over savings, plan ahead and scan through the available deals and discounts on websites such as
Hotels.com
 and
Bookings.com
. Once you find a hotel that is convenient ( make sure they offer free wifi and breakfast) and comfortable for you, make it a point to get in touch with them via email or phone call to see if you can get a better deal.

Otherwise, skimp on your accommodation and stay at hostels instead. Go on
HostelWorld
, where you can find a comprehensive list of available hostels in the area, along with reviews from fellow travellers to help you get a better feel of the offered lodgings.

If you’re feeling adventurous and want to learn more about the locals and their culture, book a cheap stay via
Airbnb
, or try
CouchSurfing
, where you can stay at friendly local’s homes for free! Just remember to be polite to your host, mind your hygiene, and treat them to a meal or two as a thank you gesture.

Travel Compact And Light

Since you’ll most likely be traveling via budget airlines a lot, make sure you’ve learned all their weight restrictions by heart. European budget airlines are extremely particular when it comes to the rules and regulations, including checked baggage or carry-on weight limits.

Make use of the free carry-on or checked baggage weight allowance and if you must pay for the checked baggage, be sure to settle all payments online before your trip takes place. Don’t waste your precious cash on checked baggage or carry-on penalty fees, as they can be quite exorbitant.

Book A Long Layover

There’s a stigma around long layovers, but they can be some of the best travel experiences of your life! Not only are layover flights cheaper than direct flights, most major airlines are known to provide free accommodations, transfers, and meals during lengthy layovers.

If you plan it right, you can spend a day or two at popular layover stops such as Dubai or Amsterdam without having to pay a single cent.You can leave your luggage (or if you’re backpacking, just bring them along) at luggage storage areas for a fee before you explore the city. Just make sure you’ve researched on whether or not you will require a visa for the country beforehand.

Fly Into The Cheapest City

If you have an open schedule, go on flight comparison websites such as
SkyScanner
 or
Vayama
, and look for the cheapest city that’s near to your intended destination. Popular destinations like London, Rome, Paris, and Amsterdam are always expensive to fly into, so opt for the less frequented and cheaper cities. Once there, you can either travel across the countries via the buses or the trains – which is more enriching for your travel experience.

Travel Like A Local

Transportation in Europe can cost a huge chunk of your travel budget, so travel smart and research your routes extensively. Use public transportation as much as you can to save your cash. Opt for the busses, trains, and even the car sharing platforms such as
BlaBlaCar
 to get around. Also, find out if the city you’re visiting offers discount or free public transportation passes for tourists.

If you’re travelling long distances, use bus services like
Eurolines
 that can take you throughout the continent. However, don’t be so quick to dismiss the budget airlines, there are often amazing deals on the budget flight tickets – if you plan ahead.

Go On Budget Sightseeing Activities

Europe offers countless spectacular attractions, and most of them can be enjoyed at no cost at all. Go for long walks and take in the breathless architectures scattered throughout the continent and learn their history as well as unique cultures at the local museums.

Take advantage of the free tours, and check
TripAdvisor
 if the city is hosting a carnival or a festival for you to join in. You can also go on
Groupon
 and see if there are activities like bus tours, kayaking, dining, and boat cruises that are on sale and have fun while saving a tonne of money. If you’re buying these activities in advance, make sure to follow through with them and not regret it later on.

Use Cash

Credit and debit cards often charge a fee on every international transaction you make, whether you’re cashing out or make purchases with your card. Avoid paying for these unnecessary expenses and just use cash instead. Be sure to stash your cash safely, and remember not to keep all of them in one place – in case you lose all of them.

Don’t Be Shy To Make New Friends

Whether it’s the locals or fellow travellers, be friendly and try to strike a conversation with them wherever you go. Talking to locals and other travellers is the quickest way to learn all the hidden wonders and best eateries in the city.

It’s also the best way for you to learn the local culture and history of the city you’re in. You’ll discover the weirdest and most fascinating lore and ancient history, things that you’ll never find in books or the internet – even the museums.

Make memories with the locals and your fellow travellers and exchange travel tips with them, and who knows? You might make a lasting friendship with a promise of a new place to visit soon.

Read also:

How To Protect YOur Credit/Debit Card When Travelling

Eat Smart

If you’re staying in a hotel or a hostel, cut down on your food expenses by digging into the breakfast buffet. Pack some extra Ziploc bags with you and save some of the buffet food to take with you on-the-go.

When you’re out exploring the city, avoid the touristy restaurants and cafes that are sure to cost you a bomb. Pay attention to where the locals go to eat, or talk to them and find out the best and most economical eateries you can go to enjoy the local delicacies. You can also refer to TripAdvisor for some pointers on where to head to for tasty and cheap grubs.

Of course, the cheaper option would be to pack some dry food with you before embarking on your trip. Things like instant noodles, granola bars, dried fruits, and nuts are usually custom-friendly and can save you a lot of money.

We hope these tips can help you plan an affordable and economical Euro trip, even on a low budget. If you don’t already have a credit card that offers great travel perks and deals, have a look on our
comparison page
 for the best travel credit card that will suit your spending style. Happy travels!

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Syaza Abd Jani

Syaza Abd Jani

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    Bernard

    1 year ago

Plain to travel to Europe next year 6 pax

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TNG Rolls Out RFID Fuelling Pilot Programme At Selected Shell Petrol Stations

Touch ‘n Go (TNG) eWallet has officially rolled out its TNG RFID fuelling pilot programme at selected petrol stations in collaboration with Shell Malaysia. Customers who have registered for the pilot programme will be able to pay for their fuel at petrol bays using the TNG RFID and eWallet, on top of receiving an incentive of up to RM20 TNG eWallet credit.

RFID fuelling lets you pay for your fuel at the bay conveniently, using the RFID tag instead of having to access your mobile phone or a point-of-sale system. According to the email from TNG eWallet, this new payment option will allow customers to purchase their fuel via cardless, contactless, and cashless transactions. There are five participating Shell petrol stations in this pilot programme, namely:

Shell Bandar Sri Manjalara

Shell Mint Hotel

Shell NKVE Damansara

Shell Taman Connaught

Shell Taman Tun Dr Ismail

The e-wallet service provider also clarified that only customers who have registered and participated in the programme will be entitled to receive the RM20 eWallet credit incentive.

TNG has actually announced its collaboration with Shell to
enable fuel payment at Shell petrol stations
 using the TNG RFID tag back in early 2020. It was originally expected to be launched some time at the end of last year.

If you’re interested in joining this programme to test out the TNG RFID payment option when refuelling your car, check your inbox for an email from TNG eWallet and click the “Sign Me Up” button to register. There are only limited slots available, so do hurry!

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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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Budget 2023: Banks To Introduce "Kill Switch" As Another Measure To Prevent Financial Scams

In light of the growing number of financial scams, Prime Minister Datuk Seri Anwar Ibrahim has announced an additional measure that will be empower potential victims to avert financial scams.

Dubbed as a “kill switch”, it is a feature that will allow potential victims to instantly freeze their accounts including their ATM cards should they encounter suspicious activities on their accounts. This puts an instant stop to any further losses if a potential financial scam is taking place.

In fact, some banks have already announced their own “kill switch” feature in recent months shortly after Bank Negara Malaysia (BNM) issued a
directive to financial institutions on security measures to safeguard against financial scams
.
OCBC
,
Maybank
, as well as
CIMB
have all announced their own version of a “kill switch” that comprehensively pauses all functions of a user’s bank account by disabling features such as fund transfers, cash withdrawals, bill payments, debit and credit card transactions, and online transactions.

That said, different banking institutions have different levels of features disabling, so this announcement by the Prime Minister may include additional outlines or instructions on what must be included in the “kill switch” that all banks must abide by.

After all, with financial scams running more rampant than ever, costing RM850 million in losses in 2022 alone, this feature at least allows users to take immediate action before contacting the bank to take further action.

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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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EPF: Adoption Of Pension-Like Approach Can Help Ensure Retirement Income Adequacy

(Image: The Edge Markets)

The Employees Provident Fund (EPF) has emphasised that the adoption of a pension-like approach when disbursing members’ retirement funds – via a monthly drawdown – will help to ensure that they have some form of stable income in their post-retirement years. This comes following a recent announcement by Prime Minister Datuk Seri Anwar Ibrahim that the government is refining a proposal to make it mandatory for new EPF members to withdraw their savings periodically instead of receiving a lump sum once they hit their retirement age.

In a statement, the EPF said that it has been encouraging existing members to voluntarily shift to regular monthly payouts instead of making lump-sum withdrawals. “In 2022, more than 7,000 members have already voluntarily adopted the monthly payout option. The process of formalising the proposed monthly withdrawal mechanism is still being studied and will take into account the ability and readiness of members to make such transition,” it said.

The provident fund also stressed that such a transition is necessary because the average life expectancy of a Malaysian has increased from 54 years in 1957 to 75 years today. This figure is projected to further increase in the future, which means that people will have longer retirement years. As such, the monthly drawdown option may be a good way to prevent old-age poverty, and to ensure that retirees have enough to tide them over throughout their retirement years.

That said, the EPF also admitted that this proposed change will take time, requiring “a generational change”. It promised as well that it will keep all members updated of any upcoming policy changes well in advance, before it begins implementing any adjustments.

If successfully introduced, the proposed monthly drawdown will see a portion of members’ EPF savings converted into a monthly income, to be disbursed to them as scheduled. The remaining portion, meanwhile, can be withdrawn lump-sum.

(Source:
Malay Mail
)

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

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

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Budget 2023: Govt To Amend Insolvency Act For Automatic, Faster Discharge Of Bankruptcy Cases

In his Budget 2023 presentation today, Prime Minister Datuk Seri Anwar Ibrahim has proposed for the Insolvency Act 1967 to be amended, enabling the automatic discharge of bankruptcy cases for selected groups. With this, it is expected to make the process easier and more efficient for affected individuals in lifting their bankruptcy status.

Additionally, the prime minister said that while waiting for the Insolvency Act to be amended, minor insolvency cases with debts amounting to less than RM50,000 – and that adhere to certain conditions – will be discharged immediately. This is expected to take effect starting from 1 March 2023, with the conditions to be announced soon.

“As of January, there are more than 260,000 bankruptcy cases recorded, the majority involving young Malays who have the potential to contribute to the economy,” Datuk Seri Anwar noted during the re-tabling of the national budget, and stressed that these individuals deserve a second chance. If approved, the amendments to the Insolvency Act is expected to release 130,000 people from their bankruptcy status.

For context, Malaysia’s bankruptcy threshold is currently set at RM100,000, which was
raised from RM50,000 back in 2020
 to help the public cope with financial difficulties during the Covid-19 pandemic.

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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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Stand A Chance To Win A 60” Sharp TV, RM600 Lazada e-Voucher &  More With Selected Credit Cards

The long weekend is over but the fun isn’t with RinggitPlus’ Unbox This Week Campaign!

Unbox This Week is a weekly campaign where we partner up with selected banks to offer exclusive flash deals. All you need to do is apply for selected credit cards by these banks to take home fantastic prizes.

This week (8 June – 14 June) the featured banks are
Citibank, Standard Chartered Bank, and HSBC Bank
 — if you’ve considered applying for a credit card with any of these banks, make the most out of your application and check out the rewards they’re offering below.

Citibank: 60” Sharp Aquos 4K UHD TV

Binge-watch your favourite shows and dramas in 4K when you apply, get approved, and spend with selected Citibank credit cards to be one of forty randomly selected successful applicants to win a 60” Sharp Aquos 4K UHD TV.  Enjoy tailored entertainment right at home with Android TV™, Android™ games, and more!

Other successful applicants will alternatively receive a bundle gift featuring Redmi Airdots Earbuds and Haylou LS02 Smartwatch.

Once you’re approved, activate and start spending a minimum of eight retail transactions on your new card to be eligible for the gift. Once the bank has confirmed your eligibility, you’ll receive instructions from us via email on how you can claim your gift.

Please take note that current card members 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 Citibank credit cards can

head on over here to do so.

Standard Chartered Bank: Huawei Watch Fit Smartwatch & SonicGear Bluetooth Earpump

If you’re looking to elevate your fitness morale this year, why not do it with a Huawei Watch Fit Smartwatch and SonicGear Bluetooth Earpump? Keep track of your steps, heart rate and more while listening to good tunes with earbuds that stay ergonomically comfortable all the time.

For a match made duo for burning calories worth RM698, apply and get approved for Standard Chartered credit cards to receive this guaranteed prize.

While this gift is guaranteed for ALL approved applicants, you’ll still 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 in the past six months. If you qualify, then you can
apply for your new Standard Chartered credit card here.

HSBC Bank: RM600 Lazada e-Voucher

Can’t get enough of shopping online? We can’t get enough either! Receive a guaranteed RM600 Lazada e-Voucher when you apply, get approved and spend with selected HSBC credit cards!

Apply for selected HSBC credit cards through RinggitPlus and upon approval, activate your new card and spend a minimum of RM1,000 within 60 days to take home your prize.

Just remember 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.

***

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

We refresh our deals every week so be the first to be updated on our latest Unbox This Week offers by following us on our
Facebook page
.

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Katrina Balan Quiroz

Katrina Balan Quiroz

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

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Maybank To Enable Secure2u For All Third-Party And IBG Transfers Via Maybank2u

Maybank has finally announced that it is enabling Secure2u as the preferred authorisation method for all third-party (Maybank to Maybank) and Interbank GIRO (IBG) transfers via Maybank2u – regardless of amount. This is set to take effect starting from 8 March 2022.

“Effective 8 March 2022, Secure2u will be the preferred method to authorise all Maybank2u (Maybank to Maybank) and Interbank GIRO (IBG) transfers of any amount. This is part of our continuous effort to enhance our online banking security for you,” shared the bank in a Facebook post.

Maybank also clarified in a separate announcement post on its website that once this revision is implemented, customers will no longer be able to use SMS TAC to authorise any of the above transactions. As such, make sure to register for the Secure2u feature via any of Maybank’s mobile banking apps – the Maybank2u or the MAE by Maybank2u (MAE) app – to ensure that your transactions will not be disrupted.

Secure2u is Maybank’s security feature that was
rolled out back in 2017
 to replace the SMS TAC, in a bid to offer an extra level of security as it is tied only to a single registered device and username. This means that you’ll be better protected against SMS TAC fraud by eliminating the need to rely on telco networks for your authorisation codes. It was initially enabled only on the Maybank2u app, but was eventually
made available on the MAE app
 as well.

Under Secure2u, there are two ways to authorise your transactions, depending on your preferences: Secure Verification and Secure TAC. Specifically, Secure Verification is a one-tap approval method, where you approve your transactions via a push notification from Maybank’s mobile banking app. The Secure TAC method, meanwhile, is similar to the SMS TAC in that you’ll also receive a six-digit TAC, but instead of receiving it via SMS, it is generated from Maybank’s mobile app itself.

Since the introduction of Secure2u, Maybank has worked to ease its customers into using its proprietary security feature by gradually implementing it for different banking transactions. For instance, the bank initially enabled Secure2u only for online transactions of RM5,000 and above in January 2021 – followed by transactions of RM4,000 and above in February, and then
RM3,000 and above in March
. By early 2022, authorisation via SMS TAC was available only for Maybank2u web transactions below RM1,000.

(Source:
Maybank
)

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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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Grab Offers Additional Savings For 9.9 For GrabPay & PayLater Users

Grab is rewarding all its users with some massive discounts and rebates when they shop online using GrabPay and PayLater for the upcoming 9.9 sales day. In total, the 9.9 Kaw Kaw Savings campaign offers savings of up to RM108.

This offer will be available to both new and existing users who make online purchases via GrabPay on 9.9, with different instant rebates for existing and new users. Here’s the breakdown of the instant rebates:

The RM20 rebate offered to new users here actually comes from Grab’s ongoing
Shop Malaysia Online New User promo
, intended to encourage more Malaysians to begin purchasing from e-commerce. According to Grab’s FAQ, the RM20 rebate will be found in the “My Rewards” tab within the Grab app once you’ve made a successful and eligible online transaction. To claim and credit it into your GrabPay e-wallet, all you need to do is tap on “Use Now”.

Meanwhile, if you’re shopping online via PayLater, new PayLater users will be entitled to rebates of up to RM89, and existing users of up to RM79, as you can see here:

Note that the RM30 rebate deal comes from another
ongoing promo
, which is entitled to only two redemptions per user, so if you’ve already redeemed it via previous PayLater transactions, you will not receive it this time round.

Finally, a third deal that new PayLater users can tap into is a RM19 rebate when they use PayLater with GrabMart (minimum spend RM60) to buy their groceries and daily necessities. Overall, new GrabPay and PayLater users can enjoy a maximum of RM108 in rebates.

As always, the rebates offered under this promo is available on a first-come, first-served basis, and will cease to be awarded once the allocated cap has been reached.

Unlike previous campaigns where the rebates were automatically applied, you’ll need to claim them via the “Offers” tab on the Grab homepage, proceed to the 9.9 Kaw Kaw Savings Flash Sale, and tap on “Use Now”. From there, go ahead and make your purchases. At the GrabPay check out page, tap on “Add offer” – the voucher will appear and you can tap on “Use Now” to apply it.

Finally, do be aware that the online promo codes with GrabPay are not valid for purchases with selected merchants, which include (but is not limited to) FavePay and Carousell.

(Source:
Grab
)

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UOB YOLO Credit Card Will No Longer Offer Cashback On Grab Transactions

Starting 1 June 2019, transactions made to Grab will no longer be eligible for cashback under the
UOB YOLO credit card
. They will also be excluded from the total number of transactions required to qualify for cashback each month.

A
revised T&C for the UOB YOLO
, which takes into effect from 1 June, adds Grab transactions to the “Exclusions” section for both cashback eligibility and transaction count. Previously, Grab transactions were eligible for cashback under the online spend category and also contributed towards the number of transactions you had to make in order to qualify for cashback.

The UOB YOLO credit card offers 5–8% cashback on online spend and dining, depending on how many transactions you make using the card. 8–15 transactions in a month gets you 5% cashback, whereas 16 or more transactions will earn you the higher rate of 8%. Cashback is capped at RM50 per month for each cardholder and limited to a total cashback payout of RM120,000 per month to all UOB YOLO cardholders.

Although cardholders will no longer be able to get cashback for their Grab rides, GrabFood deliveries, or GrabPay e-wallet top-ups, the bank is still offering cashback for Grab – but in a different form. It currently offers
weekday and weekend cashback of 5% and 10%
 respectively for all Grab transactions. This cashback is capped at RM20 a month, and with a monthly cashback cap of RM20,000. It is quite decent as a cashback replacement, but the low monthly cap still means you’ll need to top up at the start of every month. This campaign ends on 31 January 2020.

While this revision will affect those who regularly use the card for Grab transactions, the
UOB YOLO still remains a rewarding cashback card
 – if you can hit the required number of transactions before the general monthly quota runs out, of course. It’s the only credit card that allows you to get cashback for paying bills online through JomPAY, and if you’re a movie buff, it’s got a year-long promotion where you get
movie tickets for just RM5 on Fridays at GSC
.

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Jacie Tan

Jacie Tan

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Standard Chartered Fixed Deposit will satisfy your smartphone fix

If you’re as hooked on smartphones as we are here at RinggitPlus, you’ll be glad to know that Standard Chartered is here to
satisfy your addiction
.

If you are an existing Standard Chartered account holder, all you have to do is
refer as many of your friends and family members as possible
 for a Standard Chartered Fixed Deposit account.

Be among the top three referrers come 28 February and you’ll win either an Apple iPhone 5 (1
st
 Prize), a Samsung Galaxy Note II (2
nd
 Prize) or a Samsung Galaxy SIII (3
rd
 Prize)!

You’re also guaranteed Parkson shopping vouchers of up to RM30 for each successful referral. The more friends you refer, the larger the shopping voucher you’ll receive for each referral. Check out the table below for details.

Number of successful referrals

Shopping vouchers per successful referral

1 – 5

Shopping vouchers worth RM10

6 – 10

Shopping vouchers worth RM15

11 – 15

Shopping vouchers worth RM20

16 – 20

Shopping vouchers worth RM25

21 or more

Shopping vouchers worth RM30

What’s more, everyone that you refer will enjoy a complimentary Panda USB pendrive upon signing up for their Fixed Deposit accounts. How about that for a win-win-win promotion? We love it. Just be sure to look through the
fine print
.

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ringgitplus

ringgitplus

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