How to minimize credit card service tax

Some family members own credit cards from the same bank. Actually, they can sit down and talk. One person must be the principal cardmember, and the rest hold supp cards. The credit card tax can be shared by average.

Each person pays [(50 + 25N) / (N+1)].

I know, some ppl do not want to mess up money matter with others, haha.

CIMB/DirectAccess Cardmember's Privileges

Use your CIMB/DirectAccess credit card when you dine at Dragon-i or Canton-i restaurants, and you'll earn 20 times reward points. Wonder what this means for you? Here is some simple calculation.

From my observation, most credit cards offer a redemption of RM50 voucher using 10,000 pts.

In other words, when you swipe RM200, you get RM1.00 as a reward.

Here, 20x reward points means that you only need to swipe RM10 to claim your RM1.00 (10% return). Spend RM500 and get 10,000 pts and you get to cover the credit card tax already. However, I advise you don't swipe just to earn pts.