InstaReM's AMAZE MasterCard

silverbomb

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Response from Instarem :

"Thank you for using Amaze.

If the rebate is given upfront during the payment at the merchant where for example, the cashier has to verify the type of card, or if there is a check on the Card Type at the terminal, then the rebate by the linked card issuer is not applicable.

However if the rebate is applicable post transactions, example rebate is credited on a monthly basis, then the rebate will most likely be applicable.

Request you to please check with your bank if the rebate is applicable."


Instarem in above response says if its post transaction rebate, it should be applicable.
Whereas it did not.

In my opinion, where you have a store discount combined with an everyday rebate - this scenario might not work.
Instarem is answering it in a slightly bigger picture, as there can be many campaigns and promos runned by banks.

The first answer is quite straightforward where u show/tap your card and the merchant will apply the upfront petrol discount at the POS machine. If you use the amaze card, the cashier won't know what rebate to apply. That is understandable to a certain extent.

While the next part (post transaction) refers to general rebates where you it targets certain kind of spendings (e.g. grocery, telco, shopping, etc) the banks relies on the MCC to determine the eligibility of the spend to earn rebate. Then yes that's should qualify as amaze would pass the MCC down so your NTUC spends will still be grocery MCC when it goes to the bank via amaze.

What it poorly thought or worded in the response are promos that are merchant specific (also post transaction), which earlier pointed out SPC. These are the promos needing the bill description to appear starting with 'SPC' and likely a relevant MCC code to match. If description differs (in this case, amaze* SPC) then the system cannot pick it up automatically. And for your this particular card transaction, the merchant you 'charged' your card to is 'Instarem' (amaze) and not SPC.

It is still currently a grey area and whether the banks deems amaze as a disruptive product to their card business to determine if they want to allow such txns the green light to earn the rebates such as SPC promos or rebates in the near future.
 
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someusername

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I used Amaze to charge my UOB PRVI MC - got no UNI$ for the transaction. The transaction was for foreign utilities and I normally use UOB VS or UOB PRVI Visa to pay directly in foreign currency and always get UNI$. Unsure if this is a MC, UOB, MCC or Amaze issue and not going to bother asking UOB. YMMV.
 
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That's ICBC official response? Icbc cannot resolve it?

If u did spoke with ICBC, did they understood what you said? Iirc their hotline is PRC and sometimes it takes lots of explaining to tell the story to them.
That’ s Amaze’s response. In the end, I don’t bother with ICBC cards anymore. Too much hassle
 

CrashWire

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I used Amaze to charge my UOB PRVI MC - got no UNI$ for the transaction. The transaction was for foreign utilities and I normally use UOB VS or UOB PRVI Visa to pay directly in foreign currency and always get UNI$. Unsure if this is a MC, UOB, MCC or Amaze issue and not going to bother asking UOB. YMMV.
How long has it been since your transaction posted?
 

hwmook

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I used Amaze to charge my UOB PRVI MC - got no UNI$ for the transaction. The transaction was for foreign utilities and I normally use UOB VS or UOB PRVI Visa to pay directly in foreign currency and always get UNI$. Unsure if this is a MC, UOB, MCC or Amaze issue and not going to bother asking UOB. YMMV.

Probably UOB exclude the Mastercard MCC code from UNI$.
 

someusername

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Yeah I think it is a MCC issue and Mastercard codes it as an excluded MCC whereas Visa codes it as an MCC which UOB still awards UNI$ for. I was always surprised I got UNI$ as it's a government utilities provider. Just pointing out that moving spending from Visa to Mastercard to save forex by using the Amaze may not work out as expected.
 

silverbomb

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Yeah I think it is a MCC issue and Mastercard codes it as an excluded MCC whereas Visa codes it as an MCC which UOB still awards UNI$ for. I was always surprised I got UNI$ as it's a government utilities provider. Just pointing out that moving spending from Visa to Mastercard to save forex by using the Amaze may not work out as expected.
It is likely a MCC code possibility. While most merchants MCC are same be it on masters or visa, there are some good number of goofballs that have different MCC on visa and masters respectively.
 

coconut1

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Just noticed that transactions at popular using maybank f&f via amaze dic not qualify for 8% cashback. Think it's not tracked via mcc for popular but by merchant name specifically hence the fail
 

hwmook

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Just noticed that transactions at popular using maybank f&f via amaze dic not qualify for 8% cashback. Think it's not tracked via mcc for popular but by merchant name specifically hence the fail

I think do. I check through my transactions, I notice that grabfood transactions also not recognised correctly but I got no previous transactions without Amaze card so not sure its cause by Amaze card, foodpanda work fine though. Just something I notice.

I got one transaction at LV physical store that is recognised as both online shopping and others, not sure what kind of bug is this.
 

Suleyman

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Trazora

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I think do. I check through my transactions, I notice that grabfood transactions also not recognised correctly but I got no previous transactions without Amaze card so not sure its cause by Amaze card, foodpanda work fine though. Just something I notice.

I got one transaction at LV physical store that is recognised as both online shopping and others, not sure what kind of bug is this.
grabfood under fastfood mcc, not eligible for 8%
 

silverbomb

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Just noticed that transactions at popular using maybank f&f via amaze dic not qualify for 8% cashback. Think it's not tracked via mcc for popular but by merchant name specifically hence the fail
that's because it's merchant specific/targetted rebate it needs to be charged directly to F&F card, via Amaze the merchant will be captured as Amaze hence no 8%. next time charge the card directly in Popular or any merchant specific promos/rebates

I think do. I check through my transactions, I notice that grabfood transactions also not recognised correctly but I got no previous transactions without Amaze card so not sure its cause by Amaze card, foodpanda work fine though. Just something I notice.
Grabfood under mastercard is MCC 5814. not eligible.
 

tweeety

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This is explained in tnc. Next cashback back awarded on 25th Oct for this quarter.

Payment of cashback shall be made to You on the
25th of the succeeding month after the end of every
quarter (“Cashback Payout Day”). For the
avoidance of doubt, and as an example, the
cashback payable to You for the period between
April to June shall be made on the 25th of July.

https://www.google.com/url?sa=t&sou...FjAAegQICBAC&usg=AOvVaw2NHtG1E_bMY4A0BJqNv2cq
may i know which quarter we are in?

Or it is like jan to mar consider 1 quarter, apr to june consider 1 quarter?
 

yahoosoda

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anyone with CIMB world tried topping up grab with the Amaze card linked to the CIMB world?

understand that Amaze doesnt recognise grab topups for the 1% cashback, but would the CIMB recognise the grab topup done through Amaze for the 1.5% cashback?
 

silverbomb

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anyone with CIMB world tried topping up grab with the Amaze card linked to the CIMB world?

understand that Amaze doesnt recognise grab topups for the 1% cashback, but would the CIMB recognise the grab topup done through Amaze for the 1.5% cashback?
why the hassle. just do it directly using CIMB and you're only left with this month btw
 
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