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GST来了，对使用信用卡有什么影响吗？那么，哪一家信用卡会比较好用？
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GST来了，对使用信用卡有什么影响吗？那么，哪一家信用卡会比较好用？
现在申请信用卡，适合吗？ |
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发表于 24-3-2015 03:15 PM
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最大的影响: 废除 Government Tax
取而代之的是年费另加6% GST.
换句话说，没有年费的信用卡都不必付 GST;
有年费的，只要年费不超过RM800的都有着数。 |
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楼主 |
发表于 24-3-2015 04:03 PM
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发表于 25-3-2015 08:37 AM
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以前的member fees都可以waive...不知道那6% waive到吗
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发表于 25-3-2015 08:39 AM
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选没有年费的最好
不知道那些有年费但是可以waive的是不是包括waive掉GST |
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发表于 25-3-2015 08:43 AM
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一向来Government Tax都很难waive，大部分都是用分数换。
我觉得GST应该也一样。
不过这里有一个灰色地带。
假如银行waive了我们的年费，那么 GST 是否还需要计算就不得而知了。
等银行职员或信用卡的上来解答。
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发表于 25-3-2015 08:45 AM
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有时候银行的年费需要打电话去waive..然后这里就出现灰色地带咯..
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发表于 25-3-2015 09:55 AM
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发表于 25-3-2015 10:51 AM
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老鸭论坛转过来，如果银行有免年费，就不用给GST
Published: Monday March 23, 2015 MYT 12:00:00 AM
Updated: Monday March 23, 2015 MYT 11:18:25 AM
No more service tax on credit cards
BY SHARANPAL SINGH RANDHAWA
PETALING JAYA: Credit card holders will have to pay the 6% Goods and Services Tax (GST) on the card’s annual fee, but the RM50 service tax will be dropped.
“Some banks may however waive the annual fee upon request.
“Then in such cases, there will be no GST payable,” said Association of Banks in Malaysia executive director Chuah Mei Lin (pic).
Banking sources explained that the GST on the annual fee might vary from RM53 to RM500, depending on the type of card.
They said that cardholders could use their loyalty points or rebates to offset the 6% tax.
Chuah said the implementation of GST would also mean that the RM50 Government service tax on the principal cardholder and RM25 on each supplementary card, which has been imposed since Jan 1, 2010, would be abolished.
“Beginning April 1, this service tax will be abolished in accordance with the GST Act,” she said in a statement.
Chuah also made it clear that GST would not be imposed on late payment charges and finance charges.
“Late payment charge refers to the charge when the cardholder fails to pay at least the minimum monthly payment by the due date,” she said.
Finance charges, she said, were charges imposed on the cardholder on the outstanding balance which has not been settled on or before the payment due date.
Chuah also dismissed talk that cardholders would have to pay GST each time their card was swiped.
“GST is not chargeable when swiping a credit card to make payment.
“For example, if you eat at a restaurant which is registered for GST, and the bill comes to RM50, you will be charged 6% GST on the total bill. So the amount you have to pay would be RM53 (ie RM50 + 6%).”
“If you choose to pay for the bill using your credit/debit card, you will not be charged a further 6% on top of the RM53,” she said.
Customs Department GST director Datuk Subromaniam Tholasy said the abolition of the RM50 service tax would benefit cardholders as they would now only have to pay the 6% on the annual fee.
“For example, if an annual fee of a platinum card holder is RM500, then the cardholder will only need to pay RM530 (RM500 + RM30, which is the 6% tax).”
“The RM30 is obviously a lesser amount that a cardholder has to pay compared with the RM50 service tax,” he said.
http://www.thestar.com.my/News/Nation/2015...n-cards-annual/
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发表于 25-3-2015 10:54 AM
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关键是有时候银行会先charge在bill,然后下个月再rebate回给你...
这样的话,不就是要中GST咯?
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发表于 25-3-2015 10:57 AM
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有些银行有写明的话，就不用怕啦。
比如暗恋的卡，一年至少刷12次，就能免了，或者老虎一年用上XXK，也会自动免年费。。。。。。还有你最常用的会疯，so far我也没有看到年费在statement里面
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发表于 25-3-2015 11:02 AM
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我就是中了会疯的annual fees再打去waive...然后必须先给钱,再来rebate
至于老虎双卡就直接写明FREE annual fee
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发表于 25-3-2015 11:05 AM
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v哥，原来会疯这样对待你。。。。。剪它
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发表于 25-3-2015 11:07 AM
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