Initially I plan to apply this credit card to replace my Public Bank Visa Signature,
After look at the term and condition, I will give it as Sipeh Mah Fan Credit Card.
You must maintain spending 2001 to 3000 monthly in order to get 5%.
Above only get 0.25%, below only get 0.5%, damn kanasai term and condition.
Let assume it is 3000*0.05 = RM 150, say monthly no cap, not so honest loh. Let me check whether I can maintain 2k spend per month.
Online Shopping, - RM 300
Groceries, - RM 200
Dining, - eat at home now, Covid
Petrol, - RM 250
Utilities - RM 100
& Other Retail Spends - 0
Total: RM 850, can't maintain 2k spending per month so forget about it.
But, I have this card also useless to me with 8x bonus point.
Spending on your necessities such as petrol, groceries, dining, online shopping, and paying for your utility bills can be rewarding as you can get up to 5% cashback every month.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends | 0.05% | uncapped | from RM1 up to RM1,000 monthly |
| Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends | 0.5% | uncapped | from RM1,001 up to RM2,000 monthly |
| Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends | 5% | uncapped | from RM2,001 up to RM3,000 monthly |
| Online Shopping, Groceries, Dining, Petrol, Utilities & Other Retail Spends | 0.25% | uncapped | from RM3,001 and above monthly |
Petrol
Tap your Alliance card and fuel up at your go-to petrol station to gain up to 5% cashback per month.