Balance Transfers vs Easy Payment Plans: Which Feature is Better?

When choosing a credit card, many people pay a lot of attention to the perks and benefits it offers. Things like discounts, privileges, special access, promotions, and rewards points.

But there are also debt management features on credit cards that we should also pay attention to. Consider easy payment plans (EPPs) and balance transfers as examples. The first one allows you to split large payments into more manageable ones, while the other lets you transfer the debt from a previous card onto the new one.

What if you’re in the market for a new card and your options are down to two really good ones but the only difference between them is that one has EPP while the other has a an attractive balance transfer, which one should you choose? Let’s compare these two to help you decide!

Similarities:

They both help you save money
. Easy payment plans are great for when you really need an expensive home appliance or other necessary large purchases but can only commit to a limited amount per month. This makes pricey buys much more affordable.

Balance transfers help you do the same by allowing you to consolidate all your other debt into one credit card bill. 0% balance transfers mean you can pay back your old debt at zero interest (with certain limitations), reducing your bill.

Using both means paying attention to interest rates and loan periods
. To make sure you actually spend less when using easy payment plans and balance transfers, make sure you do the math right. In the case of easy payment plans, make sure you can afford to pay off the entire loan within the time afforded to you. If you can’t, the interest rate applied after that period may end up costing you more in the long run.

The same goes for balance transfers with 0% interest. Remember to check the loan period where that rate applies and the rate applicable after that so you’re sure you’ll be saving money paying off those debts.

Differences:

Easy payment plans are proactive
, meaning you use these so you don’t end up owing too much too soon. By making your payments more manageable, you avoid accruing more debt than you can handle. If you’re already in debt, easy payment plans do nothing to help with that. It can only help with future purchases.

Balance transfers are reactive
, meaning you use it to manage debt you already have. Balance transfers work best to reduce the amount you have to repay by cutting down on the interest rate. If you don’t owe the bank much or at all, balance transfers are not immediately useful to you.

Now that you know this, use this information to your advantage when choosing a credit card that can help you manage your finances better. Of course, it’s even better when the card you want has both of these features are attractive interest rates.

Head over to our
credit card comparison table
 to find one that fits your spending habits. Have anything to contribute to this article? Do share your thoughts with us in the comments section down below!

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Ahmad Mudhakkir

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HSBC Becomes The First Bank In The Asian Region To Launch Visa Instalments

HSBC Malaysia has partnered with Visa to introduce a new credit option by the name of Visa Instalments, which allows its Visa credit cardholders to set up fixed repayment terms of a specific period for selected e-commerce purchases. It is the first bank in the Asian region to introduce this Visa solution.

Eligible customers can now instantly opt to split the payments of their purchases from participating online traders into equal monthly instalments during the checkout process. There are several plans on offer with 0% interest rate, ranging from 3 months (with a minimum purchase of RM300) to 36 months (for purchases of RM2,000 and above).

Note that this Visa Instalments feature is not a new line of credit, nor will it increase your credit limit with the bank. Rather, tapping into Visa Instalments for your purchases will deduct from the credit limit of your
existing credit card account
. The plans selected within the total credit limit will be automatically approved, with no new credit checks or additional lending required.

If you’d like to give this new feature a go, some of the participating merchants that have already enabled this new solution include Caring Pharmacy Online Store, TBM (electrical goods), HLK Chain Store (electrical goods), MPHOnline, and Valiram247.com. You can find the
full list of participating merchants here
. HSBC also said that there will be more merchants coming onboard in later months, and cardholders will also be able to access Visa Instalments on international e-commerce platforms by 2022.

The head of wealth and personal banking of HSBC Malaysia, Renee Bullock-Cann said that the bank is constantly seeking to deliver a seamless, faster, and more flexible digital payment experience. “With Visa Instalments, we’re enabling this capability, as well as helping our customers fit their purchases into their budgeting plans to alleviate the stress of making large purchases upfront,” she said.

Meanwhile, the country manager for Visa Malaysia, Ng Kong Boon said that Visa Instalments simplifies the current friction and time-consuming instalment process for buyers and sellers. “We’re pleased to share that HSBC is the first issuer in Asia to introduce this solution to our cardholders in Malaysia, allowing them to split their payment purchases at participating e-commerce merchants,” he said.

If you’re looking for instalment payment alternatives aside from Visa Instalments, HSBC does also offer
0% interest instalment plan
 for its other credit cardholders, although there is a sign-up procedure involved. The tenure of this plan ranges between 3 months to 36 months as well, and applies to purchases from as low as RM300.

(Sources:
HSBC
,
Visa
)

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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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RinggitPlus x RHB presents Chatbot : Malaysia’s first personal loan AI

It was a momentous occasion for us – the peeps behind RinggitPlus- on the 26th September 2017. In collaboration with our partners at RHB, we have succeeded in creating a chatbot to facilitate personal loan applications online, making us the first in Malaysia to offer this service.

(Left) RHB Banking Group acting head Nazri Othman and RinggitPlus.com CEO Liew Ooi Hann officiating the launch of RHB’s Chatbot

Gone are the days of taking the pains to drive to your nearest bank to submit the multitudes of loan application forms and paperwork. Now, you can just head to
RinggitPlus

and apply for RHB Easy personal loan online!

 How Did the Chatbot Idea Came About?

At RinggitPlus, we are always passionate about helping Malaysians get better access to quality financial knowledge, products, and solutions.

(Left) RinggitPlus.com CEO Liew Ooi Hann and RinggitPlus.com Business Development head Kenneth James Speers answering questions from the press regarding our Chatbot

As we continue to help our readers make better financial decisions in their lives, we also constantly search for innovative ways to help simplify and speed up loan, credit card, insurance, and other application process. While working with our long-time partner, RHB Bank, we found that we can collaborate on helping Malaysians apply for a personal loan with zero hassle and almost instant approval. The rest, as they say, is history.

 How does our Chatbot AI work?

As a real-time messenger-style personal loan application platform, RinggitPlus x RHB Chatbot gives you the flexibility of applying for a personal loan at any time of the day, minus the manual completion and submission of application forms.

It gives you the freedom to apply for a personal loan without the need to adhere to standard banking hours, waiting in queues, or even wait a long time for loan approvals! All you really need to do is just visit our
website

, go to RHB Easy Pinjaman Express webpage, and you can start your loan application process any time of the day!

Can’t finish your personal loan application because you have other matters that require your immediate attention? That’s alright. Through our chatbot technology, you can choose to pause your application process and resume whenever you feel is convenient for you

(From left) RHB Group Cards & Unsecured Business head Sien Vee Loc; RHB Group Retail Distribution acting head Bernadette Sun Fui Ling; Group Retail Banking, RHB Banking Group acting head Nazri Othman; RHB Sales Management & Mass Segment head Leong Moon Fei; RinggitPlus.com CEO Liew Ooi Hann; RinggitPlus.com Business Development head Kenneth James Speers; and RHB Innovation and Strategic Alliance head Lee Wee Heng

What Documents do I Need to Prepare for My RHB Easy Personal Loan application?

Here are the things that you will need to prepare and provide for your loan application if you are a depending on your income source:

Salaried Employee

Copy of MyKad (front and back)

Last one month’s payment slip, bank statements or six month’s EPF statement

Self-Employed

Copy of MyKad (front and back)

Business Registration Certificate (company must be at least two years old).

Latest six month’s bank statements

Most recent Form B from the Inland Revenue Board

How Do I Find Out About My Personal Loan Status with Chatbot?

Upon submission, eligible individuals who fulfill the basic requirements will receive a “conditional approval” offer by RHB, which will be sent to your registered mobile number via SMS. Once approved, you can visit any one of the 35 RHB Sales Centres or 23 Sales Hubs that are pre-selected during the application with your NRIC to complete the process and collect your personal loan.

What Are the Languages That Chatbot Supports?

Currently, it’s only available in English, but it won’t be long before we expand to more languages, so keep an eye out for our next update on RinggitPlus x RHB’s Chatbot! Do you think chatbot is useful in other financial product application as well? Share your thoughts and ideas in the comment section below!

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Razer, Grab, And AirAsia Are Potential Bidders For Malaysian Digital Banking Licence

(Image: Reuters)

Malaysians may soon find themselves conducting banking services with names such as Grab, Razer, and AirAsia. Reuters has reported that these companies are now considering a bid for the Malaysian digital banking licence.

This is following Bank Negara’s intention to issue up to five digital bank licences – an announcement that was made at the end of the last year.

Interested parties include both banking and non-banking entities. In fact, some of them have begun speaking to consultancies to evaluate market opportunities and potential cooperative efforts.

Gaming firm Razer, for one, has revealed that it is currently in talks with a local conglomerate for a bid for the licence. The chief executive officer of Razer Fintech, Lee Li Meng, said that the company has extensive operations in the digital payments space in Malaysia, and thus would consider the opportunity.

(Image: SGSME.SG)

Axiata Digital, which owns the e-wallet Boost, has also expressed an interest in bidding for the digital banking licence. Both Grab and AirAsia, in contrast, declined to comment when contacted by Reuters.

Local bank CIMB, which owns a majority stake in Touch ‘n Go, did not reply to the news portal’s enquiries. Ant Financial also deflected by saying that it was too early to comment. Maybank declined specific comment as well, but revealed that its existing licence already allows it to operate as a digital bank without having to apply for a new one.

According to Bank Negara’s stipulations, the chosen digital banks must be able to offer banking products and solutions to the underserved market in Malaysia. They should also provide access and promote responsible usage of suitable and affordable financial solutions to financial consumers.

(Image: The Star)

Additionally, Bank Negara has also commented that bidders whose equity is controlled by local companies would stand a higher chance of success in their application.

As of now though, applications for the licences have yet to begin. Bank Negara must first finalise the
licensing framework
 for digital banks. The central bank is currently inviting feedback on the exposure draft, and hopes to have things firmed up by the first half of 2020.

(Source:
Reuters
,
Lowyat.NET
)

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About THE AUTHOR

Alex Cheong Pui Yin

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

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House Hunting Tips For First Timers in Malaysia

So the day has come when either your parents have had enough of you at home or you’ve decided it’s time to spread your wings. Whichever the case, you’re in the market for a new home and as a first timer – this can seem like a scarily daunting decision.

A home is a big step; so first congratulate yourself on deciding to make the move. The next thing to do is breathe and realise that countless others have successfully gone before you so there really isn’t that much to it! To get you started, we’ve pared down the white noise to give you the most important basic factors you’ll need to consider when house hunting.

Whether you’re renting or buying – you’ll find the following tips apply either way.

Write Your Dream List and Must-Haves

The saying goes that ‘Man’s Reach Must Always Exceed His Grasp’… so there’s no harm in dreaming and drawing up your dream home plans. You don’t have to worry how many of these you will actually end up having – the point is in finding out what is most important to you in a home.

Do you prize design over location? Or perhaps you want space and are willing to pay more for it. Whatever your requirements; write them down. We can get to the realistic bits later.

Consider Your Dream List and Current Realities

After rhapsodising, it’s time to get realistic. How much on the list can you afford? How many items are somewhat illogical (such as wanting an English Cottage type house in the middle of Pudu because you work around the area)? There will be time to improvise on what you can find later but for now – a little realism may be in order.

Once you’ve cut out the really wacky requirements (but don’t throw it away! We can come back to it later) it’s time to start the hunt proper.

Location, Location, Location

The next most important thing is to consider your location. A large part of this decision will depend on how much you can afford and your answers to the following questions:

1) Do you need public transport?

2) How accessible is the area to other important places you will go such as your office or homes of family?

3) Is the area safe enough for your needs?

4) Are there enough amenities, facilities and conveniences nearby?

5) Are you comfortable/happy to live in the area (this may be tricky if you are new to the city and aren’t sure of the areas but you could take the time to visit malls, eateries and other such places in the area you are considering to get a feel of the place)?

Answering these questions for yourself will help you zero in on the location for you. You may not have a 100% fulfilled list but you should come pretty close – or keep looking!

Determine What Your Budget Can Buy

So you’ve decided on the place and know roughly how much rental/purchase prices are. However, these prices are often different depending on the house and locations within an area. For example, you could choose Petaling Jaya but find prices as varied as RM500,000 to RM2 Million depending on what and where exactly in Petaling Jaya you look.

A quick look on property sites will help you do this. Check out
iProperty
 or
PropertyGuru
 for an overall look at prices in the area you have decided on. Compare and contrast this with your budget and the list of requirements you made earlier. Putting all these factors together will help you find the best options and narrow down the search even further.

Get into Details

By now, you’ve probably got a pretty good idea on the kind of house you can afford and where it will most likely be. You may even have found a few definite prospects. Now it is time to get into the details and make sure the houses you are considering are worthy of the price being asked. It goes without saying that you should compare prices within the same housing area to get a feel of the deal you are being offered.

To get ‘under the skin’ of a house; it will be wise to start taking a few of the following measures.

1)
Talk to the neighbours
. Nothing will give you better insight into a place and the history of a house quite like asking the people who have first hand experience witnessing it’s comings and goings. Ask about the housing area in general and the people who lived in the house before. The reason for this is to find out if any serious event such as a fire or other such damage has happened that the agent isn’t letting you in on. It’s also a good way to gauge how safe the neighbourhood is.

2)
Inspect the house carefully for puttied cracks, water damage or uneven walls and floors
. It’s easy enough to paint over a problematic pipe or crack just to unload the house on a new unsuspecting buyer/renter. It is best to inspect in the day time when it is bright enough to see anything you need to.

3)
Ask if it is possible to have a professional contractor survey the house
. This is a step for when you’re really narrowed down your choices. You don’t want to go through this hassle with the owner when still browsing. The contractor will be able to tell you if any major work needs to be done soon and you may be able to demand it be done before you buy.

4)
Talk to your service providers
. Will you need to move/apply for internet service, cable TV or any other subscription service? It would be worth asking the provider of your choice if the area is covered by their services. You don’t want a rude awakening should you move and find it is not!

By now you should know your prospective neighbourhood and houses well enough to make an informed decision.

Weigh the Pros and Cons

The house you’ve eventually chosen will not be without pros and cons. List them and ask yourself if the pros outweight the cons. Are there a few repairs to be done? Are you willing to undertake this and if so does the price of the house justify the extra work you need to undertake?

You can always renegotiate with the owner/developer if something is not to your liking.

Take Your Agreements Seriously

Whether it’s a Sale & Purchase or Tenancy Agreement – remember to take the terms seriously. If there are still pending items to be done by the developer/owner, see that these conditions are clearly stated in the agreement. Be clear about your responsibilities and those of the person/company handing the home over to you.

Although contracts such as these are often standard templates – few people understand them. Take the time to understand what you are signing so you are not duped into accepting something unfair or unreasonable. Ask friends and family who are familiar with the process to help you if you need.

Similarly, take your loan agreement seriously too. If you are buying a home – you will want a mortgage that does your money justice. Find the best rate and loan for your circumstance by using our
home loan calculator
.

Make it Your Own

The papers have been signed and you’re now on your way to full-fledged home-owner/renter status. It’s a great time so do take a moment to pat yourself on the back.

Now it’s time to make that house your home so the fun of decorating begins. Home deco is outside the scope of this article but do you remember the list you made at the very beginning? We did say you could come back to it! Did you want a super modern house fit for a hip-hop star? Or maybe you wanted a zen hideaway that resembles your favourite resort. Now’s the time to incorporate a few accents to give your home the
feel
 of your dream abode even if it doesn’t have the 35 rooms and seaview.

Perfect homes are often not purchased – they are made from the imperfect houses we purchase!

Happy house hunting!

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Diana Chai

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Want The Brand New iPhone 14? Apply For A Credit Card & Stand To Win

The Unbox This Week credit card campaign is back with exciting gifts to chase your blues away.

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 12 to 19 September, our featured bank partners are

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 – iPhone 14

Hey, Apple fans – we’ve got something special for you this week! Upgrade your phone to the brand new iPhone 14 when you apply, activate, and spend with a brand new Citibank Credit Card this week.

Complete with the longest battery life ever offered in an iPhone, you can enjoy video playback for up to 20 hours. Crash Detection will ring up your emergency contact and services for help. Want to take pictures in the dark? The main camera now performs up to 2.5x better while the Ultra Wide camera can do 2x better than before.

For those who don’t win the iPhone 14, you’ll still walk home with a RM600 Shopee e-voucher for all your shopping needs.

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 – Sony PlayStation 5

If you love console gaming, you wouldn’t want to miss out on this! Stand to win the Sony PlayStation 5 when you apply, activate, and spend with a brand new HSBC Credit Card.

Be fully immersed in another reality with the help of haptic feedback and dynamic resistance on the all-new DualSense wireless controller, which echo the tension of interactions with in‑game gear and objects in select PS5™ games.

If you’re not one of the lucky few who get to take home the PlayStation 5, you’ll still get a guaranteed gift from Apple – the mighty Airpods. Wear it while you workout, do work, or watch movies, and you’re set for an enjoyable experience.

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 – RM500 Shopee e-Voucher

Treat yourself to a nice online shopping spree when you win an RM500 Shopee e-voucher this week! You could even use it for Shopee Food, if you’d like.

Those who don’t win the Shopee e-voucher will be guaranteed the JBL Wave 100TWS Headphones, which offers deep bass sounds, 20 hours of combined playback, and dual-connect for quick connections.

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 – Samsung R170 Galaxy Buds

Always on the go? You’ll definitely appreciate the guaranteed Samsung R170 Galaxy Buds. It can quickly connect to your Galaxy device once unboxed, offering full-sounding and rich acoustics each time. You can also tune to the surrounding sounds without taking them off.

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 – Fitbit Versa 2 Or Xiaomi Mi Smart Band 5

A smartwatch is yours when you apply for a brand new credit card with Alliance Bank.

Get the Fitbit Versa 2 when you apply for an Alliance Credit Card with Balance Transfer. Its long-lasting battery lasts more than 6 days, making it a great fitness buddy for busy people, and this model has an improved lightweight design, as well as an always-on display option.

Meanwhile, you’re guaranteed the Xiaomi Mi Smart Band 5 that offers 24/7 activity and sleep tracking, continuous heart rate monitoring and supports the ability to track outdoor activities using GPS from your phone. Take it home 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 19 September (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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Police Urge Public To Beware Of Fake MyBNM App

The police have warned the public to be aware of a fake MyBNM app that is being used by unscrupulous parties to commit fraud.

Bukit Aman Commercial Crime Investigation Department (CCID) Datuk Zainuddin Yaacob said that victims of such cases would be contacted by suspects pretending to be enforcement agency officers, such as officers from Bank Negara Malaysia (BNM).

Victims would then be asked to download the fake MyBNM app and told to key in personal details into the app. These include their name, ATM card number and PIN, and username and password.

“After securing the information, the syndicate would then make money transfers from the victim’s account to a third-party account (mule account),” said Datuk Zainuddin. He said that victims would only realise that they had been scammed after discovering their empty bank accounts.

(Image: Utusan)

In 2020, 53 cases were reported with losses of RM1.9 million and from January to April this year, the number of cases recorded increased to 57 cases with losses of RM1.7 million. “To combat the rise, preventive measures involving the police and public awareness campaigns are needed,” he said. “The CCID is committed to redoubling our efforts, especially in terms of operational investigations.”

The MyBNM app was actually an online application offered by BNM from November 2015 until November of last year.

(Source:
The Sun Daily
)

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Stay Close To Open Greenery At This Well-Established Township From Just RM406,000

It’s been known that being in the city can sometimes wear us out, leading us to fantasise about the next trip out of the city to breathe in the fresh air, gaze at greenery, and feel the breeze in the open space. It would also be an added plus if we could relive our childhood by cycling around the neighbourhood, greeting friendly folks, and simply having a carefree day.

If you’ve been envisioning a lifestyle that’s a cross between suburban and urban living – consider the newly completed apartments at Aman 1, Tropicana Aman.

An Urban Green Lifestyle Awaits At Aman 1, Tropicana Aman

Located within Tropicana Aman’s 863-acre township in Kota Kemuning, Aman 1 is the first high-rise phase of the master plan, which is designed with surrounding greenery and trendy lifestyle facilities for aspiring homeowners. This newly completed apartment is ideal for families and communities to bond with well-planned recreations, as well as commercial and educational components all conveniently within a secured township.

Consisting of 4 towers with a total of 766 units, this guarded and gated residence features a comprehensive set of facilities that residents can enjoy. Young families can spend their weekend splashing away in the swimming and wading pool, grilling their favourite meals at the BBQ pit, or spending quality time at the children’s playground.

Meanwhile, singles and couples can break a sweat by cycling on the designated bicycle track within the compound or taking in some fresh air on the pool deck. Gym-goers would probably be found in the gym or putting in their cardio workout for the day by running around the compound. Other facilities include sitting benches, gazebos, a multipurpose hall, and a reflexology path.

Modern Open Layout Concept Homes

As a family grows, the home should too. With open layout concept homes becoming popular, Aman 1 grants prospective residents two layouts to choose from that are priced from RM406,000*.

Type A is 870 sq ft that has 2+1 bedrooms, 2 bathrooms, and a balcony. Suitable for singles and couples, this layout opens up into the kitchen, living area, and balcony. While Type B’s layout also opens up the same way, it features 3 bedrooms, 2 bathrooms, and a balcony at a larger 1000 sq ft.

The open layout concept offers residents a modern feel to their homes, as well as having the open space to connect with members of the family from the kitchen, dining, and living areas. Moreover, it allows the breeze from the balcony to circulate throughout the home for better ventilation with the grace of healthy sunlight during the day.

Cycle To Practical Amenities In A Safe & Vibrant Township

Tropicana Aman is designed to be a budding township where walking and cycling around the township is the norm, families can safely spend quality time in the parks, amenities and facilities are easily accessible, and where a sense of community is driven by the love for an urban-suburban living.

Though newly completed, Aman 1 already has an array of essential amenities located close by to the well-established township of Kota Kemuning where residents can run errands such as banking, shopping, dining, and more. A collection of schools that cater to children of different ages, including Tenby International School, SJK(C) Bukit Fraser, and Kindyland Kindergarten are within the Tropicana Aman township as well. While shopping and grocery runs can be done at Sinaria & Triana Shops.

In terms of accessibility, the township is easily connected to major highways and roads including Lebuhraya Shah Alam (KESAS), South Klang Valley Expressway (SKVE), Lebuhraya Kemuning Shah Alam (LKSA), Expressway Lingkaran Tengah (ELITE), and West Coast Expressway (WCE). The drive to the city is approximately 46 km via the ELITE, while the KLIA is only 37 km away.

And for those who golf, the Kota Permai Golf and Country Club and Bukit Kemuning Golf Country Club are 9km and 6km away, respectively.

Expect More From Tropicana Aman’s Master Plan

With Aman 1 being the first high-rise phase, it joins a budding spritely community and other completed developments including landed homes such as Arahsia, Bayan, Cheria, and Dalia Residences; and Sinaria and Triana shop offices.

Landed home developments that are currently under construction and have already sold out, include Elemen, Freesia, and Gemala Residences. Other future upcoming phases and developments are also underway.

The rest of
 Tropicana Aman
 is planned to be public amenities, a recreational hub, and green open spaces such as an 85-acre central park.

***

For those looking to buy their first home, Aman 1 should undoubtedly be on your list of properties to view. From RM 406,000*, it’s an affordably priced home that’s a comfortable distance away from the city, that offers residents a holistic lifestyle that provides a balance of commercial, educational, and recreational amenities, as well as comfortable open spaces and greenery.

Moreover, Tropicana is now running its Power Up Campaign until 30 June 2022, which offers prospective buyers the opportunity to enjoy Zero Downpayment, Free Legal Fees and Stamp Duty on the loan agreement, Free Stamp Duty on MOT and a Special SPA bonus. For more information, head to their
website
 or
register your interest here
.

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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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Huawei Launches Its Own Credit Card, The Huawei Card

Taking a leaf out of Apple’s handbook, Huawei has introduced its own brand-new credit card, the Huawei Card.

Huawei announced the credit card at the China launch of its new P40 series of flagship smartphones. While not much has been revealed about the specifics of the card, the tech company has confirmed that the Huawei Card will have both physical and virtual versions. It will support near-field communications (NFC) contactless payments, and is backed by UnionPay, one of the largest card issuers in the world. Additionally, the data for the card will be managed with the same security protocols as those used for mobile payments on Huawei phones.

At present, Huawei is encouraging sign-ups for the card with a variety of perks, such as a first-year annual fee waiver. The annual fee for the second year may be waived, too, if users spend above a certain threshold through
Huawei Pay
, which it is naturally linked to.

Not only that, Huawei is also planning to add future rewards, such as travel benefits like lounge access at train stations and airports, as well as special in-app promotions. These promotions may include cashback rebates for those who pay for their purchases via Huawei Pay.

Given the similarities, many are comparing the Huawei Card to the
Apple Card
 announced last year. The Apple Card is available in both physical and digital forms. It is also linked to the users’ Apple Pay, Apple’s mobile payments app. However, while the Huawei Card comes with annual fees, the Apple Card prides itself on having no hidden fees, including annual fees.

(Sources:
Engadget
,
SoyaCincau
)

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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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5 Money Saving Clothes Shopping Tips For Women

For many women, shopping is an almost national pastime. Who doesn’t love the smell of new clothes? With Raya just two days away, you may already be on leave and shopping the day away.

But shopping on the regular can bleed your bank account dry faster than you can say; “Parkson is having a sale!”

To help you get your retail fix and still keep the treasury intact; we’ve come up with 5 money saving tips to keep in mind when you go clothes shopping.

Don’t Fear the Discount Outlet

Many shopping outlets offer pricey options despite having discounts and promotions. But you can get promotions everyday if you don’t mind a little off season and a little foraging for good stuff.

Scout factory outlet stores such as FOS, the Reject Shop, Why Pay More?, or
thrift stores
. Don’t be put off by the less than spectacular displays. You never know, you might just find the perfect fitting dress for a bargain price.

Be a Savvy Buyer

Sometimes, we may get carried away by the bling covered outfit or
haute couture
 look of some items. These items may look unique but you then end up wearing them once before chucking them into the far recesses of your closet.

There’s no harm having a few signature pieces (especially those super gorgeous, designer
baju raya
) but the savvy buyer knows to mix and match.

Why not opt for a universal coloured pair of jeans and leggings that can best match almost everything in your wardrobe? Colours like black, white, brown or navy blue possess universal matching abilities.

You’ll definitely get more for your money by ensuring you get more wears out of the clothes you buy!

Be the Right Kind of Label Reader

Many shoppers are no doubt caught up in reading brand name labels but sometimes, you need to read the label for more than just the name of the outlet.

Check the care instructions. Does it say dry clean only; drip dry only; or hand wash only? These labels are important to safeguard your garment and your wallet!

Dry cleaning has become very expensive for women’s wear with shops asking anywhere between RM12-RM18 per dress for each dry clean. Imagine having to pay RM12 every time you use the dress! Skip dry clean only dresses and opt for those with lower maintenance costs.

Care instructions also help you take the best care of your clothes – making them last longer. So do read the labels!

Don’t Be Duped by Fake Sales – Comparison Shop!

No doubt there will be stores increasing their prices only to reduce them on the label to give the impression of a sale. The only way to beat this is to comparison shop.

Have you visited the outlet before? If so, you may know how much the prices should be on regular days making it easy to spot the fake sale. But it’s not so easy if you’re not familiar with the store’s prices.

In this instance, opt to compare prices of similar items across a few stores. Did you see a
kebaya
 you love? Try a few stores and check out their prices before you buy.

You don’t have to visit every mall in KL but many of the bigger malls already have a good selection of outlets you can visit. Take your time and the right buy is sure to present itself.

Use Your Credit Card Benefits

Create your own sale season by keeping track of your credit card promotions and benefits. Every credit card in the market will come with merchant discounts that you can take advantage of but these are rarely advertised at the outlet.

To know the full extent of your credit card promotions and discount benefits; check the brochure that usually accompanies your monthly bill or the bank’s website.

Even if the bank does not have a merchant discount deal, you can still save by using your card if you have a
good cashback credit card
.

Checked your credit card and found no great deals or benefits? Time to change then! Avid shoppers can benefit from a good
shopping credit card
,
cashback credit card
 or especially for women; a
lady’s credit card
 with benefits tailor made for women.

If you’re still not sold on the suggestions above, check out our
credit card comparison page
 for the best shopping credit cards available in Malaysia today.

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Heeral Bhatt

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B40 University Students To Get Free Tablets Under PerantiSiswa Keluarga Malaysia Initiative

During the tabling of Budget 2022, Finance Minister Tengku Zafrul Aziz announced that higher education students from B40 households will receive a tablet under the PerantiSiswa Keluarga Malaysia nitiative, which is expected to benefit 600,000 students.

According to Tengku Zafrul, students from B40 households have faced difficulties with online learning many cannot afford laptops or tablets to participate in online classes or lectures. To ensure the continuity of the B40 students’ learning sessions, the government will offer a tablet to every student in any higher learning institution who falls in the B40 group.

A total of RM 450 million will be allocated for this programme with a contribution of RM 65 million from telco companies.

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Sheu Quen

Sheu Quen

Content writer with a penchant for perfection in her work and can't stand having her name misspelled or mispronounced.

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    Ieman

    1 year ago

How do I apply for the free tablet?

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BNM: Right Time To Implement Targeted Subsidies Is When Inflation Is Tamed

(Image: Bloomberg/Nadirah Zakariya)

Bank Negara Malaysia (BNM) governor Tan Sri Nor Shamsiah Mohd Yunus has stated that the right time for Malaysia to switch from the current blanket subsidy to a targeted subsidy is when the country’s inflation has been tamed. Additionally, the implementation should be carried out in stages to manage the impact of the change on the country’s economy.

Tan Sri Nor Shamsiah acknowledged that switching to a targeted subsidy may potentially cause inflation to rise. However, the savings obtained from the switch in subsidy mechanisms can then be used to support individuals who are truly in need through social protection programmes, instead of
benefitting even those who are well off
.

The governor added that similar support will also need to be extended to vulnerable sectors. This is particularly as 20% of the economy is still operating below the pre-pandemic level as of the second quarter of this year. “The outcome that we want to achieve is to have sustainable and inclusive growth,” she further remarked.

(Image: Bernama)

To note, Malaysia’s inflation in June 2022 – as measured by the consumer price index – rose to a 12-month high of
3.4%
, exceeding the 2.2% to 3.2% range expected for this year. The rate, however, is still significantly lower than the average inflation rate in the world (6.7%) and in emerging economies (5.6%), largely due to the blanket subsidy policy adopted by Malaysia.

That said, the government has been consistently highlighting its intention to remove the blanket subsidy, noting that it is
unsustainable for the country in the long run
. In line with this, it is
looking into ways to improve the subsidy mechanism
, and is, in fact, already in the early stages of
testing the mechanism for a targeted petrol subsidy
.

Earlier last week, Finance Minister Tengku Datuk Seri Zafrul Abdul Aziz remarked that
the government will only decide on introducing a targeted subsidy policy
 when the country’s inflation and global geopolitical situations stabilise. It noted that the present is not a suitable time to implement it, seeing as inflation is rising around the world.

(Sources:
The Edge Markets
,
The Malaysian Reserve
)

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Nur Adilah Ramli

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Petronas Introduces Setel, An e-Wallet To Pay For Fuel

E-wallets have become an increasingly popular form of payment at eateries and convenience stores, but now Petronas has unveiled Setel, a new e-wallet that lets you pay for fuel at Petronas petrol stations. Setel removes the need for queues at the payment counter or even swiping your card at the pump – and you can even link your Mesra card within the app as well.

Currently only available at selected Petronas stations in the Greater KL area, Setel relies on location services to identify the nearest petrol station that accepts Setel payments, and the app even has options for you to navigate your way there using Google Maps or Waze. Once you’re parked next to a pump at a Setel-enabled petrol station, simply tap the “Purchase petrol” button on your app and select your pump number.

To use Setel, you’ll need to register for an account in the app. Once you’ve verified your mobile number and signed in, all you need to do is top up your Setel e-wallet to get started. Like other e-wallets like
GrabPay
 and
WeChat Pay
, Setel supports top-ups using online bank transfers as well as credit cards, and you have the option to select and customise your top-up amount as well. You should also link your Mesra card to the Setel app so that you can collect Mesra points and check your balance with the app.

Like a normal fueling experience, you can choose to purchase a set amount of petrol or a full tank’s worth. Then, key in your Setel PIN number to verify the transaction, and then you can start filling up. Your full receipt, Mesra points earned, and Mesra balance will be displayed on your app after you’re done filling up. You can also easily view your transaction history and remaining e-wallet balance on the app at any time.

The app is still at its testing stage and is only available for use at selected Petronas stations in the Ampang, Kuala Lumpur, Subang Jaya, Shah Alam, and Petaling Jaya areas. At the moment, Setel is not available for use by motorcyclists as only car users can pay using this app. The e-wallet is also only currently available on Android – it’s not yet available on iOS.

If you’re interested trying out this Petronas e-wallet, give it a go and you can also provide feedback to Setel by emailing
[email protected]
. For more information, check out
Setel’s website
.

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    Hani

    3 years ago

i hv download setel apps n link to my Kad mesra. Can i link the same Kad mesra to the setel apps in the other phone.

Tq

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7 Things that aren't Covered by Travel Insurance

In this day and age, in a time where technology dictates our every waking moment (and
creeping slowly into our sleep
), many people forget the technological marvel that is human air travel. We Malaysians have witnessed ourselves the shortcomings of our control over nature, with a prime example being the disappearance of Malaysian Airlines flight MH370.

In light of these events, we’ve looked at many angles, but a lot of the attention has shifted to the importance of Travel Insurance. Are these unforeseen and unfortunate events covered by your policy? Can you get reimbursed for acts of terrorism or sexually transmitted diseases whilst overseas?

Get to Know your Travel Insurance

Travel insurance
 is an insurance policy that covers you and your family

for a limited time period, from the time you enter the plane for departure, until you reach safely back home 2 weeks after – all sun burnt and jet-lagged. You will have the option to extend your protection by contacting the insurer while abroad, for a small daily premium starting from as low as RM5 per day. If you are a frequent traveler, you might

consider signing up for an annual plan to save on expenses.

Travel

insurance plans usually cover personal accident and medical related benefits,

as well as any common inconveniences such as loss of baggage,

belongings and money, delay of baggage and flights, and even hijacking.

Nonetheless, some policies, especially those tailored for domestic trips do

not include all of the benefits listed.

What doesn’t your Travel Policy cover?

Some of us are put off by the technical jargon found in our

insurance policies – Because of this, things become less clear and we

are unsure if a certain event is even covered or not! Here are a few things we have highlighted that are most likely not covered by your

travel insurance, unless stated otherwise. You should probably take

consideration of them before signing up for a travel insurance plan.

1. Sexually transmitted diseases (STDs)

If you contract an STD(s) such as HIV/AIDS during your trip, you will be

out of luck in regards to the coverage provided by your travel policy.

Okay, so let’s say during one of your trips you decide to engage in

certain sexual activities which caused the infection; do not expect

your insurance provider to foot the bill for any medical expenses that

follow! If they’re that generous, they should have provided you with a

pack of condoms in the first place!

2. Involvement of alcohol or drugs

Going on holiday means getting to relax, let loose, and experience the

finer things in life. Now, while there’s mostly nothing wrong with having a drink or two during dinner, problems will arise if it is found that any illness or

injury is directly caused by alcohol consumption. Unfortunately for

you, you’d have to be paying out of your own pocket in this case. The

same goes for drug abuse. You will not be reimbursed if the

drugs are not taken in accordance with treatment directed by the registered medical

practitioner.

3. Suicide or self-injury

Most insurance policies state that the benefit is not payable for any loss arising from suicide, attempted suicide, or intentionally self-injury. Let’s say that if you were to attempt a suicide by jumping off the
Golden Gate Bridge
 whilst in San Fransisco, your insurance company will have the right to not pay out for your hospital bills because there is an exclusion for care in the case of suicide. But on a very serious note, there are many
suicide prevention programs such as the Befrienders
 that can help you deal with any inner demons and problems you have.

4. Pregnancy or childbirth or miscarriage

Congratulations on your pregnancy! But hold on, before clicking “book

now” for that ticket to Paris, you will need to consider the latest

addition to your family, even if he or she hasn’t been born yet. Most of

these travel policies do not cover for complications arising from

pregnancy, childbirth or miscarriage. However, there are a few insurers

that are kind enough to reimburse you for some of these unfortunate

situations, such as miscarriage treatment due to injury as a

result of an accident.

5. Pre-existing medical conditions

You will find this exclusion in most of the travel insurance policies,

and as a matter of fact, most if not all kinds of insurance policies. But do you

know what it really means? Simply, it means that any health problems

that you currently have are not covered during your travels. As an

example, imagine that you have an existing asthma problem that flares up

while hiking

abroad – any treatment you receive because of your asthma attack will not be

covered by the insurance company.

6. Psychological disorder

The coverage for mental and emotional disorders are often excluded in most travel insurance policies. Any claims resulting from mental health problems such as bipolar disorder will be rejected by the insurer. If this is listed as one of your pre-existing medical conditions, it is explicit that the treatment caused won’t be covered. Even so, it is unlikely that the insurer will let you to sign up for a travel insurance policy if your doctor advised you against traveling overseas.

7. Acts of war

Many might confuse this with hijacking and terrorism, inconveniences

which are widely covered by travel insurance policies.

What this exclusion usually means is that any losses caused by acts of

wars involving nuclear, chemical and/or biological substances are

excluded from any reimbursement. Here’s an interesting situation: If there’s certainly going to be a nuclear war in whatever region that you have planned to visit, by cancelling the trip, you will not be reimbursed for your plane tickets! But then again, there’s a nuclear war – everyone’s screwed.

Should I buy travel insurance?

All things considered, travel insurance is certainly something everyone should have on their checklist when planning a trip abroad. While it may not cover everything under the sun, you won’t be too worried when things get a little bit bumpy during your travels, as you’ll have a cushion, however small, to land on. The most important lesson to take away from this is to always read the fine print. Always.

photo courtesy of freedigitalphotos.net

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Public Bank’s Campaign For Mastercard Cardholders Offers RM30 Cashback

Public Bank and Public Islamic Bank are running a campaign to reward Mastercard credit cardholders with RM30 cashback when they spend a minimum cumulative of RM300 per month. Already ongoing, the campaign is set to run until 31 May 2022.

Open exclusively to selected cardholders, you’ll need to first receive an invitation SMS or an email direct mailer from the bank. When you do, simply spend a monthly total of at least RM300 on qualifying transactions in a month to earn the RM30 cashback reward provided.

Transactions that are accepted for this campaign include all local and overseas retail spending, online purchases, and new zero interest or management fee instalment plans (full purchase amount). It excludes payments such as e-wallet transactions, balance transfers, recurring payments, as well as payments for utilities, insurance, and charities.

Each cardholder is allowed to earn a maximum of RM60 throughout the whole campaign period (RM30 per campaign month), offered on a first-come first-served basis. Public Bank has allocated a total of RM60,000 for the entire campaign, with RM30,000 earmarked for each month.

Upon winning the cashback reward, it will be credited into your account within four to twelve weeks after the end of the campaign period. The payment will also be reflected in your credit card statement. Do also note that cardholders who participate in this promo will not be able to join other credit card offers during the campaign period.

Meanwhile, if you’re a Public Bank Visa cardholder, there is a
separate Visa cashback campaign
 that you can tap into between today until 31 July 2022 instead.

(Source:
Public Bank
)

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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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Are You Prepared for Undesirable Events at Home When You’re Away?

If you’re like many other Malaysians at this time of year, you’re already planning your vacation with your kids for the coming holidays. Or at the least, bringing them to visit their grandparents away from home.

But do you ever think about the possibility of damages, or losses that can happen to your house during your absence? Theft, burglaries, floods, and fires are all alarmingly real possibilities that might happen to your property while you’re away. A good way to assure yourself that these potential losses won’t hurt you too much is through home insurance.

We know some of you are thinking, “Why would I need home insurance? I don’t live in a dangerous area. My house will be fine.” Are you sure about that? Let’s go through some numbers, shall we?

Source:
Federal police Crime Prevention and Community Safety Department director Datuk Acryl Sani Abdullah Sani via http://www.nst.com.my/news/2016/05/144196/malaysias-crime-index-sees-46-cent-increase

Source:
http://www.preventionweb.net/countries/mys/data/

Source: Fire and Rescue Department director-general Datuk Wan Mohd Nor Ibrahim via
http://www.nst.com.my/news/2016/09/176607/about-6000-premises-destroyed-fire-annually-malaysia

We can’t fully prevent thefts, burglaries, floods, or fire from happening when we are away from home, but we can surely insure our house to lessen the financial burden and stress that it may bring.

Keep Your Home Insured with Etiqa Houseowner / Householder Insurance

Insure either…

Get fully covered today! Click
www.etiqa.com.my
 for more information, terms & conditions, and enjoy a 15% instant discount if you apply online.

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ShopeePay Supports Affected B40 Micro Traders With Equipment Sponsorship And Digitalisation Initiatives

Image:
The Malaysian Reserve

ShopeePay Malaysia has announced that under its #ShopeeGivesBack initiative, it is supporting B40 micro traders affected by the COVID-19 pandemic by sponsoring equipment as well as assisting them to digitalise their businesses.

The sponsored equipment, which includes push carts and other items, were provided in collaboration with the Terengganu, Perak, Penang, and Sarawak state governments, as well as the Federal Territory Ministry. The equipment will be distributed to over 100 traders throughout November, with the first handover ceremony taking place earlier on 30 October in Kuala Berang, Terengganu. A group of 20 micro traders participated in the ceremony, of which eight were part of the Retail Sector Digitalisation Initiative by the Domestic Trade and Consumer Affairs Ministry while the remaining twelve were selected by the Terengganu state government.

Apart from the sponsorship, ShopeePay also shared its efforts to help small businesses go digital, including the ability to accept payments via mobile wallets and to utilise tailored incentives for better earning power. In addition, these businesses can leverage on the tools, marketing support and exposure through the
Deals Near Me feature
 on Shopee, which is a location-based, online-to-offline function that allows users to find local merchants within their vicinity.

“We are committed to supporting and digitising businesses, and connecting them with new customers while empowering them to further grow and scale on our platform,” said the head of ShopeePay Malaysia, Alain Yee. Launched earlier this year, ShopeePay also offers RM3 cashback vouchers with a minimum spend of RM6 for spending in businesses highlighted in Deals Near Me to further drive sales.

(Sources:
The Sun Daily
)

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RON95 To Increase By 1-2 Sen Each Week Starting January 2020

Once the targeted fuel subsidy scheme begins in January 2020, the price of RON95 will be floated through a gradual price increase of one or two sen a week. This will be done until the market price of RON95 petrol is reached.

“When we begin the targeted subsidy scheme, we will float the price of petrol to help reduce the cost of living, as well as to ensure that the prices of goods do not rise dramatically,” said Deputy Domestic Trade and Consumer Affairs Minister Chong Chieng Jen. “We will float the price of petrol in stages, maybe two cents a week or one cent a week, until the price of RON95 reaches the market price.”

The Deputy Minister was responding to a question in Parliament regarding the government’s plans to curb the rising cost of goods once the targeted subsidy scheme kicks off.

Currently, the government is capping the price of RON95 fuel at RM2.08 per litre. It had been previously announced that when the new
petrol subsidy schemes
 come into effect next year, the price of RON95 fuel will be floated to market price. However, Malaysians in Sabah and Sarawak will still have the price of RON95 maintained at RM2.08 per litre under a bulk subsidy.

(Source:
The Star
)

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TM Launches New 100 Mbps Unifi Pro Plan, Priced At RM129 Per Month

The competition for affordable fibre broadband plans is gaining momentum as Telekom Malaysia (TM) has officially launched a new 100 Mbps plan called the Unifi Pro Plan, which will be available for just RM129 per month. This new plan is designed to be one tier above the Unifi Basic plan, which the company recently
removed the low income requirement
.

The new Unifi Pro Plan comes with 100Mbps download and 50Mbps upload speeds, unlimited internet quota, 600 minutes of talk time to all mobile and fixed lines, a DECT phone (while stocks last) and a high performance wireless router. Additionally, subscribers also gain access to Unifi TV, and can choose their Unifi TV pack from the following: Varnam+, Aneka+, Ruby+. However, they can only watch it via the Unifi TV app as the set-up box is not included.

New Unifi Pro Plan vs MaxisOne Home Fibre Plan 100Mbps

TM’s latest 100 Mbps plan is very competitive to Maxis’
100Mbps MaxisOne Home Fibre Plan
 .

Plans

New Unifi Pro Plan

100 Mbps MaxisOne Home Fibre Plan

Price

RM129

RM129

Internet Quota

Unlimited

Unlimited

Voice Call/Talk Time

600 minutes (RM0.10 per minute subsequently)

Unlimited

Package

-Free DECT Phone (limited)

-High performance wireless router

-Unifi TV pack (Varnam+, Aneka+, Ruby+)

-Free DECT Phone (guaranteed)

-Dual-band router

-Free technical support

Both plans are priced at RM129 per month, but the main difference between the two plans is that MaxisOne Home Fibre Plan provides unlimited voice calls compared to Unifi Pro Plan’s quota of 600 minutes.

Customers can now head to
Unifi’s website
 to subscribe to the latest plan.

(Source:
Amanz
)

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Luno Is Now The First Licensed Cryptocurrency Platform In Malaysia

(Image: Focus Malaysia)

Luno is the first-ever cryptocurrency exchange in Malaysia to be fully approved by the Securities Commission (SC). Headquartered in London, Luno is a global company that trades digital currencies.

Having received full SC approval, Luno now operates as a Recognised Market Operator (Digital Asset Exchange). The platform is officially open to all Malaysians interested in buying, selling, and storing digital currency.

According to Luno’s official website, trading on Luno only requires three simple steps. Start off by signing up for the free Luno Wallet (on the web or via the mobile app) and creating a user profile. Then, you can top up your Luno Wallet via bank transfer or credit card. Once you have added money to your wallet, you can buy Bitcoin or Ethereum or even send it to others.

David Low, Luno’s General Manager of Southeast Asia said, “This is a significant achievement and shows the importance of digital assets today and the long-term value of cryptocurrency.”

“We want to help educate Malaysians on how to safely buy, sell, and store Bitcoin and Ethereum, using an exchange approved and regulated by the SC,” Low added.

Luno is no stranger to the Malaysian market, having entered the country back in 2015. When the SC announced its intention to regulate cryptocurrencies earlier in January this year, Luno was prevented from accepting any new customers until it obtained its license, although existing customers were still allowed to carry on using the platform.

In June, three cryptocurrency operators were given conditional approval for their applications to become a Recognised Market Operator – Luno, Tokenize, and SINEGY. All three operators were given 9 months to fully comply with the new regulations in order to secure full approval.

For more information on Luno, you can visit their
official website
. You can also download Luno via the
App Store
 and
Google Play
.

(Source:
Luno
,
SoyaCincau
)

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BigPay Teases Introduction Of New Digital Personal Loan Product Next Week

BigPay has teased the arrival of a new digital personal loan product, which is slated to be introduced next week.

Based on a teaser image shared, the new product is said to be the first fully digital personal loan in Malaysia, offering near instant approvals in as fast as five minutes. No documents are required during the application process, and the app will also provide monthly reminders to prompt borrowers to make their repayments on time – presumably within the app.

Aside from these info, not much else were shared, but further details are expected to be revealed soon as BigPay will be offering a closer look into their new product in the upcoming week.

View this post on Instagram

A post shared by Tony Fernandes (@tonyfernandes)

BigPay’s move into the money lending business was made possible after being awarded a
provisional licence for lending
 from the Ministry of Housing and Local Government (KPKT) back in November 2020. With this licence, BigPay is allowed to provide online loans with a low interest rate. Back then, the chief executive officer of BigPay’s parent company Capital A, Tony Fernandes had said that although these loans will be available to the masses, they will benefit the B40 group in particular.

BigPay is also
one of the contenders for the five digital banking licences
 offered Bank Negara Malaysia (BNM). Additionally, it has
secured financing
 to fuel its ambition to eventually become a challenger bank across Southeast Asia.

(Source:
SoyaCincau
)

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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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LIAM & MTA Committed To Private-Public Partnership For Covid-19 Treatment

Following the government’s call for a private and public healthcare partnership to manage the increasing case of Covid-19 patients, the insurance and takaful industry have stated that they are “fully supportive” of the matter.

“Generally, pandemic-related risks are not covered under any insurance and takaful plans worldwide,” the Life Insurance Association of Malaysia (LIAM) said in a statement. “The exclusion stems from the difficulty in pricing for coverage relating to an event like a pandemic that may occur once in a lifetime, having an incalculable impact and cost. Covid-19 is a pandemic, hence it is not insured or covered under medical and health insurance/takaful benefits.”

Nonetheless, the industry is currently working with the Ministry of Health and Bank Negara Malaysia to explore avenues where insurers and takaful operators can “ease some of the expenses” of patients required to be treated in private hospitals for Covid-19.

“The industry is supportive of protecting the policyholders’/certificate holders’ interests and contributing to the success of the private and public partnership in winning the battle against the Covid-19 pandemic,” the statement concluded.

Since the early stages of the pandemic in 2020, the majority of life insurers and takaful operators have responded by providing
supplementary benefits
 to policyholders diagnosed with Covid-19. These include payment of a daily hospital income, additional death benefits, an allowed
deferment of premium payments
, and the RM8 million Covid-19 Testing Fund.

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Jacie Tan

Jacie Tan

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Should You Switch To Caltex Havoline Motor Oil?

With the holiday and festive season just around the corner, many have exciting travel plans to look forward to, which may mean covering more distance on the road. Whether you’re heading to your hometown or driving to a new destination, ensuring that the vehicle you’re travelling in is in good condition is non-negotiable.

To guarantee a smooth journey every time, it’s imperative you invest in good car maintenance. Not only will you feel more assured in your driving, but your car will thank you for extending its lifespan. One thing you can prioritise when maintaining your car is to use quality engine oils like Caltex Havoline motor oil.

What makes Caltex Havoline motor oil a good choice for your car?

Dynamic Engine Protection with Deposit Shield™ Technology

There’s a reason why Caltex Havoline has been trusted for over a century. Its technology allows for extended protection of the engine against premature wear. Deposit Shield™ Technology adapts to your engine’s extreme demands by providing dynamic protection and performance where it is most required.

Havoline’s strength and endurance provide maximum protection for your engine, preventing premature wear on its critical components.

When an engine is healthy, it will perform at its best. You’ll be able to enjoy your engine’s maximum performance and power thanks to Havoline’s strength and durability, as well as protection from harmful deposits. This is critical as dirty engines that have unfortunately been littered with motor oil deposits and debris will lose horsepower and perform less efficiently.

Meets Some Of The Industry’s Most Demanding Tests

Dexos1 Gen 2 is a specification granted by GM to top performing motor oils that are able to meet a comprehensive list of demanding industry and internal testing requirements, as well as illustrate its ability to operate in the most extreme conditions.

Caltex Havoline is a great option for vehicles that need extra protection. Specially formulated to meet the new Dexos1 standards, Caltex Havoline can prolong the life of new vehicles with advanced engine technologies such as forced induction and gasoline direct injection, resulting in lower emissions and better fuel economy.

Fully Synthetic Formulation For Elevated Levels Of Performance

To keep things simple, full synthetic oils provide better engine performance and protection compared to conventional and synthetic blend motor oils. Synthetic oils undergo processes that remove impurities from crude oil and thus actively protects your engine better and longer.

On top of that, fully synthetic oils like the Caltex Havoline deliver optimal performance in both hot and cold temperatures, providing an all-round protection from the moment you turn the key.

How Do Engine Oils Affect You Financially?

Engine oil plays an important role in avoiding expensive repairs. A car’s engine could deteriorate very quickly without a good lubricant protecting it. Plus, engine oils ensure a longer lifespan by reducing the friction between moving parts. Selecting a good engine oil ensures the engine’s mechanical parts longevity.

Having to fund costly engine repairs isn’t something that anyone looks forward to, so it is best to prevent such catastrophic failures from happening in the first place by using high quality engine oils. Besides potentially saving you from burning a hole in your pocket for engine repairs, you’re also saving yourself from all the troubles related to not having a car, especially if you’re dependent on one. Without a car, you may have to fork out extra cash for ride hailing.

Caltex Clean & Protect Giveaway

With the rainy season already here, it’s good to keep an umbrella nearby at all times. From now until 31 December 2022, you can get a FREE green or maroon golf umbrella with every purchase of Havoline® ProDS FS 5W30, 5W40, 10W50, 0W20 & Delo® Sports Adv 5W30 (8L)!

Or purchase Havoline® FS 5W30, 5W40, SBlend 10W40, 5W30, Delo® Sports SB 15W40 (7L) & 10W30 (7L), and you’ll walk home with a FREE Caltex hand towel.

Terms & conditions apply.

***

Now that you’re better informed of the importance of engine oils, consider making the switch to Caltex Havoline on your next oil change. Its fully synthetic formulation is tailored to keep your engine running smoothly for longer and ensures the moving parts in your car remain protected.

For more information on Caltex Halvoline,
click here
.

Don’t forget to participate in Caltex Clean & Protect Giveaway from now until 31 December 2022.
Click here to learn more about the giveaway
.

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Lisa Ameera Azman

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CIMB Launches Sustainable Living Home Solutions To Encourage Adoption Of Low-Carbon Lifestyle

CIMB Bank has announced the launch of a full suite of sustainable living home solutions, which includes offerings and perks such as preferential rates for green home financing, solar panel financing, as well as deals on energy-efficient appliances. Rolled out in conjunction with the recent Earth Day – which took place on 22 April – this makes CIMB the first bank to introduce a “one-stop suite of solutions” so that customers can adopt low-carbon lifestyles more easily.

In a statement, CIMB said that the suite of solutions will be made available on a dedicated online platform, where interested customers can look for deals that meet their home and lifestyle needs. Some key highlights include preferential mortgage financing rates for green building certified homes, as well as a 0% instalment payment plan for the installation of solar panels (services to be offered by CIMB’s panel of selected solar companies, such as VASOLAR).

On top of that, CIMB customers will also be able to tap into 0% Easy Pay plans when they purchase energy-efficient appliances from participating merchant partners to make their homes more sustainable and to reduce electricity bills. These merchant partners include Tan Boon Ming (TBM), Harvey Norman, and E.S.H. Electrical.

(Image: The Star)

In addition to this new suite of sustainable solutions, CIMB also highlighted another recent partnership with smart electric motorcycle brand, Blueshark, which allows customers to opt for CIMB’s 0% credit card easy payment plans when they purchase selected electric scooter models. Specifically, this offer is provided for the purchase of the Blueshark R1 and Blueshark R1 Lite models. This collaboration also marks another significant first for CIMB; it is the first bank to venture into the EV mobility scooter space in Malaysia.

“We are proud to be the first bank in Malaysia to provide consumers with a complete range of solutions that empower them to make sustainable choices, and help them transition towards lower carbon lifestyle. At CIMB, we believe in integrating ESG factors into our offerings to make it easier and more affordable for consumers to reduce their carbon footprint,” said the chief executive officer of group consumer and digital banking of CIMB Group, Effendy Shahul Hamid.

Effendy also emphasised that the bank will continue to work with established partners so that it can inspire and encourage sustainable practices among Malaysians in an accessible and rewarding manner. Meanwhile, interested individuals can check out
CIMB’s full suite of sustainable home living solutions on its platform 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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Fill up your tummy at the Curve and score a 20% off bills of RM50 and above with your OCBC Credit Card

Shrimp bucket from Bubba Gump Shrimp Company, the Curve. Picture taken from
Bubba Gump Malaysia's Facebook page
.

Spend a minimum of RM50 at any Curve eatery and get a 20% Bonus rebate when you pay with your OCBC Credit Card.

Valid from 1 March 2013 to 31 August 2013, the offer is available to all OCBC Primary and Supplementary Cardholders.

These are just some of the participating restaurants:

Ah Tuan Ee's Place Restaurant

Laundry

Suchan Deli Restaurant

Asam Pedas

Little Penang Cafe

Sutra

Baskin Robbins

Ma'Cik Briyani

Sweet Chat Cafe

Bavarian Bierhaus German Restaurant & Bar

Malones

T.G.I. Friday's

Bubba Gump Shrimp Restaurant

Marche Movenpick Restaurant

Thai Express

Bumbu Desa

Modesto's

The Apartment

Chao Yen Teow Chew Cuisine

New Zealand Natural

The Chicken Rice Shop

And more…

Traditional popiah. Picture taken from
Suchan Deli's Official Website
.

Please note that a cap of RM30,000 per month on rebates is applicable and the maximum rebate per transaction is RM200. All on a first come, first serve basis.

If you own more than one OCBC card, a hierarchy exists as to which card will be prioritized to receive the rebate. This list, the full list of participating restaurants and other terms and coditions, can be found on OCBC’s page
 here
.

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Guaranteed Gifts Only This Week From Apple, Shopee, And More

The Unbox This Week credit card campaign is back to wrap up March with some awesome gifts from participating banks!

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 (28 March – 4 April), our featured bank partners are

Citibank, HSBC Bank, Standard Chartered Bank, Alliance Bank, and AmBank
. 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 AirPods or AirPods Pro

Stand a chance to win an AirPods Pro, capped at 40 units, when you apply for a Citibank Credit Card! Whether you’re looking for noise cancellation, comfort in wearing your earphones, or just superior sound quality, the AirPods Pro delivers them all perfectly!

For those who are not selected, you will still walk away with guaranteed AirPods to soothe your blues.

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 – RM600 Shopee e-Voucher

A guaranteed RM600 Shopee e-voucher is yours when you apply for a credit card with HSBC! Check out the items sitting in your cart with this Shopee e-voucher.

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
.

Standard Chartered Bank – IROVA K5A Robot Vacuum or Riino 3.5L Rapid Air Fryer

Standard Chartered is now giving ALL approved applicants a guaranteed gift and you get to choose between the IROVA K5A robot vacuum or the Riino Rapid Air Fryer 3.5L.

Whether it’s a robot vacuum that dry mops, sweeps, and vacuum cleans your floors or an air fryer that whips up snacks in a jiffy, it makes for a great addition to your 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 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 Soundbar

Want to watch your movies in a theatre-like setting? We’re giving you a guaranteed Xiaomi Soundbar when you apply for a new Alliance Bank Credit Card. Enjoy an enriched immersive experience when viewing your favourite programmes at home with close ones with a TV soundbar.

Upon approval, you just have to activate 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
.

AmBank – Morgan Air Fryer

You’re walking away with a guaranteed Morgan Air Fryer when you apply for an AmBank Credit Card this week! Becoming a staple in every household, an air fryer is every home cook’s best friend with easy usage and hassle-free cleanup.

Apply, get approved and activate your Ambank credit card within 30 days upon approval to be eligible for this prize. Existing cardholders and individuals who have held or cancelled an Ambank credit card in the past year are not eligible for this campaign.
Apply for an Ambank 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 4 April (11am), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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Chee Jo-Ey

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Yoodo Launches Customisable Unlimited Plans, Starting From RM35/Month

Celcom-backed Yoodo has launched its own unlimited telco plans, offering its customers unlimited data as well as the liberty to customise certain features. The Yoodo Unlimited starts at a price of RM35/month and also allows you to pay extra for any additional amounts of hotspot data, voice call minutes, and SMS messages that you need.

To begin with, there are two base unlimited plans offered by the telco, priced according to their speeds. The unlimited plan with a speed of 3Mbps is going at RM35/month, whereas 6Mbps will cost you RM43/month. Both base plans also offer you the following benefits:

2GB roaming data (must first be activated with a separate
Roam Like Home Pass
)

2GB hotspot data

50 minutes of voice calls

An extra perk of 20GB for PUBG gaming (high-speed internet)

From these basic benefits, you can then go on to tailor your own unlimited plan, increasing the amount of services that you need. For instance, if you need more than 2GB of hotspot data, you can increase it to 5GB for an additional RM20/month, or the maximum 20GB for RM30/month. Meanwhile, those who make frequent calls or send frequent SMS messages can max out both services at 2,000 minutes and 300 SMS messages, respectively – for RM12/month each.

Ultimately, you’ll be paying an additional RM54 in total if you decide to max out all the services (20GB hotspot data, 2,000 minutes of voice calls, and 300 SMS messages).

In addition to these, Yoodo customers can also opt to top up their unlimited plans with data, voice, and SMS booster packages, along with Power Passes (large quota of high-speed Internet). There are also app-specific add-ons available if you are only interested in getting extra data for selected mobile apps, including Facebook, Instagram, YouTube, Twitter, and so on.

Head on over to
Yoodo’s website
 to find out more about its
customisable unlimited plans
. You can experiment with the sliders to find out the different rates that are applicable.

(Source:
SoyaCincau
)

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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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Find Out When Android Apps Become Cheap (or Free!) with AppSales

Have you ever paid for a full version of an app, only to find that it became free the next day? Or have you ever missed out on a huge app discount that all of your friends managed to take advantage of? You wouldn’t have to deal with that disappointment if you can know when the premium version of your favourite app is having a discount or when that game you’ve been eyeing becomes available free for a limited time. Thankfully, there’s an app for that.

AppSales for Android

If you’re an Android user, try checking out AppSales. When you first open the app, you’ll see a top bar that highlights all the “featured” discounts. Right below that, which is the main part of the app, you will see a list of apps currently on sale, sorted by date.

Tapping on the price of the app will lead you straight to the Google Play Store page for that app where you can purchase it right then. It also handily shows you how much you’re saving by and the percentage that’s being discounted.

Watch an App For Discounts

Another useful feature of the app is the ability to add apps onto your Watch List. When you’re browsing for apps (whether from AppSales or from the regular Google Play Store app) you can add apps onto the Watch List which tells AppSales to notify you when these apps go down in price.

You can also check out price history on an app thru AppSales if you want to see whether or not to expect a price decrease for the app in the future. This is useful so you know when whether or not the app is worth even putting on your Watch List in the first place.

Only the Apps You Care About

The settings for AppSales allow you to customise the kinds of apps that show up on your list. For example, you can tell AppSales to only show you apps that are discounted by 70% or above so you get large discounts, or only show you apps that have been downloaded more than a million times so you only see popular and regularly-used apps.

You can also filter the search algorithm to only look in categories that you’re interested in, so you don’t have to see discounts on golf simulators if you don’t care for those kinds of apps.

We’ve talked about quite
a few apps in the past
 that can help you manage your finances and get more for you money. Now with AppSales, you can add the paid versions of those apps onto your Watch List so you know when to get them on sale or for free. Speaking of apps, check out
our article on the app that helps take the awkwardness away from asking your friends to pay you back
.

Do you have something to add to our article? Do share your thoughts with us in the comments section down below!

Photo credits:
Google Play

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Ahmad Mudhakkir

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