I received an SMS from UOB informing me that my credit card is entitled to 10% cash back when paying electricity bills. So as usual I cannot assume anything but need to read the TnC.

Below are parts of the TnC for the 10% Cash Back Campaign for TNB Bills:

ELIGIBILITY TO PARTICIPATE

This Campaign is open to selected principal UOB Malaysia credit cardmembers who receive short message service (“SMS”) and/or electronic direct mailer (“EDM”) invitation from UOB Malaysia to participate in this Campaign.

Therefore Cardmembers who DO NOT receive any SMS or EDM directly from UOB Malaysia relating to this Campaign ARE NOT ENTITLED to this promo.

Also transaction made using any of the following UOB Commercial Cards by Eligible Customer ARE NOT ENTITLED to the Campaign:

• UOB Malaysia Business Card,
• UOB Platinum Corporate Card
• UOB Malaysia Purchasing Card, and
• UOB Malaysia Private Label

In respect to the above, basically only those who who received SMS from UOB inviting them to participate in this promo using their Personal Credit Cards are eligible for the campaign.

CAMPAIGN MECHANIC AND QUALIFYING CRITERIA

Basically the promo only applies to Tenaga Nasional Berhad Bills.

I guess using TNB App would be pretty safe as as I referred to a past transaction with my CIMB eCC and it was stated “MY TNB-EC Bangsar” in the Statement.

Total Cashback allocated for each campaign day is capped at Ringgit Malaysia Six Thousand (RM6,000) per day throughout the Campaign Period. The Cashback will be awarded to Eligible Cardmember who meets the Qualifying Spend Requirement on a first-come, first-served basis subject to availability. Any unexhausted Cashback will NOT be rolled over to the next day.

So from the above, basically there is a max daily cap of RM50 cash back per cardmember and the total pool allocated per day is RM6K.

Assuming everyone pays RM500 towards their TNB Bill in order to earn the maximum RM50 daily cash bac, it means only 120 people will qualify (RM6000/RM50)….. in other words the cash back is not guaranteed.

The Cashback will be credited to the Eligible Cardmember’s principal Card account within 8 weeks after the end of each Campaign Month defined in Table C below. If the Eligible Cardmembers have multiple UOB Credit Cards, the Cashback will be credited to the UOB Credit Card was made the .Qualifying Spend

What the above means is that it may take up to 8 weeks before you even know if you “won” the cash back!

CONCLUSION

I am giving this contest a miss so that more of you can win, haha.

In order to increase your chances of wining the 10% cash back from your TNB Bill, best you start paying 0.3 second after midnight.

I will continue to use my CIMB eCC on 28th of the month to pay my TNB Bill(S) and earn 1 KrisFlyer Mile for every RM1.25 spend. However I must warn you for CIMB case, best you do not pay immediately after midnight as the transaction may be captured a day prior!!! Well, we have the entire day of 28th to pay our TNB Bills so best you pay after 9am which will guarantees you 12X CIMB Bomus Points.

However, if you are into Cash Back, the CIMB eCC cash back options is not so attractive. Click here to my article titled The Best Top Credit Cards in Malaysia 2025 to learn was credit cards you should be holding for different spending categories.

And if you do have a UOB Credit Card and also invited to earn 15% cash back for petrol, click here to read my article