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Maybank Family and Friends Credit Card Update! June Update 2020! So today we will breakdown one by one the different spending and add them up to show the full spending according to categories - based on what I know. Link to Circleslife $18 Plan: https://activate-shop.circles.life/re... Credit Card Playlist: • CITIBANK CREDIT CARD 2019 : cashback ... Statement is from 21st May to 19th Jun. So from the list, you can see that from the list, I'm gonna add them into individual types of spending, From top to bottom, $11 - Grab ride - Transport $11 - Grab ride - Transport $68.80 - Grabfood - Dining $34.90 - Pizzahut - Dining $1 - Shopee - Others $11 - Grab ride - Transport $10 - Grab ride - Transport $11 - Grab ride - Transport $15.13 - Spotify - Others, NOT LISTED UNDER DATA COMMUNICATIONS $67.30 - Grabfood - Dining $1.20 - Foodpanda - Dining $11 - Grab ride - Transport $19.80 - Grabfood - Dining $11 - Grab ride - Transport $12.15 - Giant - Groceries $18 - Liberty Wireless - Telco, Circles Life, YEAP MY PLAN COST JUST $18 A MONTH, WANT TO KNOW MORE? CLICK ON THE LINK AT THE TOP RIGHT HAND CORNER OF YOUR SCREEN OR IN THE DESCRIPTION BELOW $87.99 - Foodpanda - Dining +0.52 CASHBACK +50.92 CASHBACK - So total of $51.44 cashback NOT FROM JUNE ACTUALLY, From May spending. What about JUNE, I ACTUALLY GOT $70 HAHA. WE'LL GET TO THAT LATER AFTER GOING THROUGH THIS WHOLE JUNE STATEMENT. NEXT +943.54 PAYMENT - I ALWAYS MAKE FULL PAYMENT SO I DON'T PAY ANY ADDITIONAL INTEREST OF LATE PAYMENT FEES ETC. SO EVERY CENT IN CASHBACK ARE REWARDS $56.99 - Foodpanda - Dining $97.80 - Grabfood - Dining $1 - Shopee - Others $67.35 - Foodpanda - Dining $17.70 - Foodpanda - Dining $24.70 - Grabfood - Dining +10.33 - Food Delivery Rebate $46.70 - NTUC - Groceries $5.80 - Bus - Transport, NO Public transport aren't that expensive. They seem to charge to my card every few days? $27 - Grabfood - Dining $61.20 - Grabfood - Dining $228.23 - AXS Payment - Others/Telco $5.80 - Bus - Transport $33.20 - Foodpanda - Dining $86.99 - Foodpanda - Dining That is all! Now to throw them into the different categories first those categories that are earns those sweet 8% cashback, then the others who don't. Recap, Maybank Family and Friend Credit Card has 5 main category which are Groceries. Fastfood & Food Delivery Services, Transport & Petrol, Data Communication & Online TV Streaming. And lastly Learning & Retail which as currently only 3 named retailers and we'll touch briefly on those later in the splitting. So first Groceries $12.15 - Giant - Groceries $46.70 - NTUC - Groceries Total Groceries cost - $58.85 $68.80 - Grabfood - Dining $34.90 - Pizzahut - Dining $67.30 - Grabfood - Dining $1.20 - Foodpanda - Dining $19.80 - Grabfood - Dining $87.99 - Foodpanda - Dining $56.99 - Foodpanda - Dining $97.80 - Grabfood - Dining $67.35 - Foodpanda - Dining $17.70 - Foodpanda - Dining $24.70 - Grabfood - Dining $27.00 - Grabfood - Dining $61.20 - Grabfood - Dining $33.20 - Foodpanda - Dining $86.99 - Foodpanda - Dining Total Dining + Food Delivery cost - $752.72 $11 - Grab ride - Transport $11 - Grab ride - Transport $11 - Grab ride - Transport $10 - Grab ride - Transport $11 - Grab ride - Transport $11 - Grab ride - Transport $11 - Grab ride - Transport $5.80 - Bus - Transport $5.80 - Bus - Transport Total Transport cost - $87.6 $18 - Liberty Wireless - Tel-co Total Data Communication + Online TV Streaming - $18 The last category is learning & retail, 3 main merchants anchor this category, namely Popular, Toys R Us and Yamaha. I've not been their customer, so none from this category. So a big fat ZERO cashback here! Which would bring our total spending within selected categories to $58.85 + $752.72 + $87.6 + $18 = $917.17 Now this means to say of the $1162.73 transacted, $917.17 are on the 8% cashback while the remaining $245.56 are not. $917.17 x 8% would mean the cashback earned should be roughly in the field of $73.37. How come this statement only shows $51 in cashback credits? Simple, cashback are paid on the next month's billing cycle. So how much cashback did we actually get for the end may to Jun spending? Glad you asked, the cashback earned would be... $71.11 + 0.04. WOOHOO! So close! about $2.22 more. So we're dang close. So yes, this is the highest amount of cashback I have ever earned in a single month.. FOR NOW. I'm sure I can get better at this as time passes and I learn from mistakes made on which not to charge and which to be charged to this card. In case you were wondering how I spend so much on food deliveries, a bulk of them are work related, ordering for clients, or calling in deliveries for lunch with colleagues etc. Appreciate your time spent watching me rant and talk with weird slang and pronunciation and enunciation. Thank you for watching, stay safe, stay healthy, stay wealthy, see you guys next time! Best,