[Paytm] Pay your tuition and taxes without convenience fees

[更新]四哈博士的Paytm推荐码是PTM2075711,欢迎使用。

'No convenience Fees
Pay your tuition and taxes free of fees for a limited time'

即日起,用Paytm付学费税费,可免手续费,截止时间未知。Paytm是类似Plastiq的机构平台(阿里巴巴持股),能够帮你用信用卡付本身不让用信用卡付的账单。其妙处四哈博士(sihacol.muncnstu.com)其实早先介绍过了,就是用来完成一些诸如American Express卡片的开卡奖励消费要求,用刚需来薅到开卡奖励大羊毛,而不是另外创造需求。http://www.muncnstu.com/sharing/get-rewards-for-paying-tuition/

BTW,American Express刚刚取消了申请时对收入的要求,对有信用历史的留学生群体无疑是重大利好。

Paytm刚刚起步,支持的学校虽然不如Plastiq多,但是已经支持诸如UofT/SFU/DalhousieU/UBC/Saint Mary/UofWaterloo等大校名校了。有些学校没有被列在Education一类中,需要手动检索。(点开下图看大图)
目前Paytm Canada只能通过手机注册。
App Store https://itunes.apple.com/ca/app/paytm-canada/id1209051363?mt=8
Google Play https://play.google.com/store/apps/details?id=com.one97.hero&hl=en
[Paytm] Pay your tuition and taxes without convenience fees [Paytm] Pay your tuition and taxes without convenience fees Reviewed by 毛不易·撸 on 11:52 Rating: 5

[快讯] Android Pay to launch in Canada on May 31

Source: http://mobilesyrup.com/2017/05/24/android-pay-canada-may-31-mobile-payments/

据可靠消息,Android Pay很快就要在加拿大落地了,预计将支持主流银行的大部分信用卡和借记卡,可以在支持卡组织的任何可以tap的商户上使用,对手机的要求是Android 4.4以上且支持NFC,未root。

BTW,四哈博士(sihacol.muncnstu.com)曾经介绍过Android平台的非接触支付http://www.muncnstu.com/sharing/android-nfc-pay/。你会尝试Android Pay吗?
[快讯] Android Pay to launch in Canada on May 31 [快讯] Android Pay to launch in Canada on May 31 Reviewed by 毛不易·撸 on 13:29 Rating: 5

[Drop] Offer from Amazon and Metro


If you have Drop app installed, check your offers. You might see 'Amazon/$50/2,000 pts' and 'Metro/$50/1,500 pts' offer showing up. Even though Amazon offer shows 'Amazon.com' in title, .ca is included. See below.

Download Drop(iOS https://itunes.apple.com/ca/app/drop-earn-points-with-your-debit-credit-cards/id1090987006?mt=8 Androidhttps://play.google.com/store/apps/details?id=com.drop.loyalty.android&hl=en my referral code本站推荐码muncnstuLink your credit card, then use this card to buy this offeKnow More...

[Drop] Offer from Amazon and Metro [Drop] Offer from Amazon and Metro Reviewed by 毛不易·撸 on 23:45 Rating: 5

[Sportchek] 满150减25,满300减75

5.23~6.5在Sportchek消费满$150可减25,满300减75,网上结账使用Code GET25/GET75;店内应该可以直接减价。

Sportchek消费还是有一些常识、姿势的。

[Sportchek] 满150减25,满300减75 [Sportchek] 满150减25,满300减75 Reviewed by 毛不易·撸 on 13:29 Rating: 5

[手慢无] AmazonBasics iPhone 7/7P保护壳 $0.99/1.99

[手慢无] AmazonBasics iPhone 7/7P保护壳 $0.99/1.99 [手慢无] AmazonBasics iPhone 7/7P保护壳 $0.99/1.99 Reviewed by 毛不易·撸 on 20:33 Rating: 5

[Scene] 新注册会员得500积分


如果你常去Cineplex看电影,但还不是Scene会员,不要错过这次注册机会!

只要在6月12日前注册Scene会员(https://www.scene.ca/enrollment),并且在7月15日前看一场电影,可以获得500 Scene Points。加上看电影本身拿到的分数,就有至少620 pts。平时新注册只有250 pts。

Cineplex看电影薅羊毛的姿势四哈博士(sihacol.muncnstu.com)之前已经介绍过了,摆对了几乎可以零成本看电影。请看http://sihacol.muncnstu.com/2017/03/cineplex.html

BTW,四哈博士(sihacol.muncnstu.com)目前正在组建一个SceneTourage群组,欢迎几乎每周二都观影的朋友进群。请通过右侧二维码联系四哈。
[Scene] 新注册会员得500积分 [Scene] 新注册会员得500积分 Reviewed by 毛不易·撸 on 18:10 Rating: 5

[CT]最后一天!一年道路救援$40/55


购买链接http://roadsideassistance.canadiantire.ca/en/mothers-day-offer.html

Offer valid: May 9 to May 14, 2017 (来不及了,快上车!)

Quote promo code MOTHERDAY2017 at check out.

Gold Plan一年$55,Silver $40。具体差别请看上述网址。据网友反馈,CT的Roadside assistance是跟车走的,CAA是跟人走的,请根据自身需求选购。四哈博士(sihacol.muncnstu.com)认为Gold性价比更好。

相关阅读
[CT]最后一天!一年道路救援$40/55 [CT]最后一天!一年道路救援$40/55 Reviewed by 毛不易·撸 on 02:04 Rating: 5

[机票] 国航母亲节促销,加中往返$499

购票链接https://www.airchina.ca/CA/GB/promotion/WFS1705?pid=TP-CAWFS1705:20160509:KV:KMDS:CA:EN

购票时间:5.12-14 出发城市:温哥华/蒙特利尔 到达城市:上海浦东/广州/香港

1. Travel period : Now to May 20, 2017; September 1 – November 30, 2017 (with maximum stay of 3 months)
(Exclude: October 5-15, 2017)

2. The fares shown are for all inclusive round-trip. Only a limited number of tickets are available. Act fast! The 499CAD special promotional offer cannot be used in conjunction with any other promotions. You cannot earn mileage with our special promotional offer. Auxiliary product and services including transit hotel are not available with the special promotional offer.

3. The 8% discount on flights departing from Canada to Asia (including Mainland China, Hong Kong, Taiwan) is applicable to child and infant tickets.

4. Air China reserves the right to make changes to the promotion without notice.

温馨提示:记得使用带有航班延误险的信用卡。哪些卡带?请看muncnstu.com/cc
[机票] 国航母亲节促销,加中往返$499 [机票] 国航母亲节促销,加中往返$499 Reviewed by 毛不易·撸 on 07:49 Rating: 5

[快讯] PC Plus积分今起不可用于兑换礼卡

四哈博士(sihacol.muncnstu.com)之前跟朋友们推过PC WEMC这张卡,其主要优点是PC积分可用于随时在店内兑换各种礼卡,相当于真金白银。

然而今年早些时候,PC Plus无限期暂停了积分换礼卡,四哈博士(sihacol.muncnstu.com)不久前就大胆推测可能永远换不了了(http://sihacol.muncnstu.com/2017/04/pc-plusshoppers-drug-mart.html),不幸被四哈博士(sihacol.muncnstu.com)一语成谶。据X. Jin同学爆料,PC Plus通过iOS APP“率先”发布了这一消息,也是有够鸡贼。
受此影响,PC WEMC的吸引力就大打折扣了。从兑换的角度说,这张卡现在只适合常去PC旗下超市以及频繁更换手机的朋友申请。(原因见前文链接)

更多信用卡资讯简介,请看http://muncnstu.com/cc
[快讯] PC Plus积分今起不可用于兑换礼卡 [快讯] PC Plus积分今起不可用于兑换礼卡 Reviewed by 毛不易·撸 on 13:44 Rating: 5

[eBates] 史上罕见!多商户返15%

Ebates入口附在文末。

参与的商户包括:惠普,under armour,Macy's,Dell (相关姿势http://www.muncnstu.com/sharing/how-to-shop-in-dell-canada-website/),Nike,Michael Kors,Lancome,Biotherm……更多商户等你发掘。

其中通过Flighthub买机票,一张返$15

注意一下各家其实有具体说明不同品类的返现比率。

如果你还不了解返现网站,请看http://sihacol.muncnstu.com/2017/02/online-shopping-rebate.html

如果你没有返现网站账户,
  • 注册ebates.ca
  • 如果你过去一段时间内没有用过Air Miles,使用本站购物入口有额外送分
  • 注册Swagbucks
  • 注册GCR (在‘I was referred by’中填入admin@muncnstu.com,你和本站都能获得$2.5奖励,谢谢)
[eBates] 史上罕见!多商户返15% [eBates] 史上罕见!多商户返15% Reviewed by 毛不易·撸 on 08:20 Rating: 5

CIBC-Samsung Pay; TD-Apple Pay刷卡有礼

CIBC-Samsung Pay offer

如果你目前使用支持Samsung Pay的三星手机,且同时是CIBC信用卡用户,5.4-19期间用Samsung Pay支付满三笔(无金额要求),可获得$25 the bay礼卡一张。Samsung Pay下载https://pages.samsung.com/ca/samsungpay/English/cibc.jsp;【5.25更新】即日起至6.6在Samsung Pay中注册ESSO活动,用Samsung Pay支付三笔(无商户、金额要求,至少间隔5分钟……),可获得$15 ESSO礼卡一张。

================================
TD-Apple Pay offer
5.31前,用TD Aeroplan Visa做三笔Apple Pay交易,可得1000 Aeroplan里程。https://www.tdcanadatrust.com/products-services/banking/electronic-banking/applepayoffer.jsp 此卡3w里程开卡奖励目前还在进行,5.16截止http://www.muncnstu.com/creditc/6mar2017td/
CIBC-Samsung Pay; TD-Apple Pay刷卡有礼 CIBC-Samsung Pay; TD-Apple Pay刷卡有礼 Reviewed by 毛不易·撸 on 09:14 Rating: 5

RBC和CIBC开户奖励开始了

五大行每年春夏都会推出开户奖励活动吸收新客户,这不,RBC和CIBC已经开始行动了。

RBC的活动如下图

开设RBC Signature No Limit Banking(月费$14.95)或以上账户产品,设置两笔账单支付或者一笔Payroll(奖学金或者工资),即可获得Apple Watch (Series 1)一块,或者支付$79得一台无锁16GB iPhone SE。一般来说要求账户保留一年。你所付出的成本就是$15*12=$180。小编认为Apple Watch还是不错的,价值约$299,净收益>$120;16GB的SE还是算了。一年后可以凭学生身份转回免费账户。注意,RBC Signature No Limit Banking可以免去或者减免部分信用卡年费。T&C https://www.rbcroyalbank.com/onlinebanking/dms/pba/open-an-account/_assets-custom-rds/pop-up/offer-terms-2017.html

CIBC的活动如下图

CIBC的这个账户产品小编之前介绍过,详情请看http://www.muncnstu.com/sharing/cibc-smart-acc-150-feb-2017/ 奖励要求基本是相同的,不过CIBC是直接给钱。刨去保持账户的最低成本,在CIBC获得的净收益是$240。完整活动条款https://www.cibc.com/content/dam/personal_banking/bank_accounts/pdfs/cibc-smart-account-offer-terms-and-conditions-may-to-jun2017-en.pdf

RBC和CIBC各有优势,RBC在服务上更占优势,比如提供完全免费的e-transfer以及可以免年费的含租车险信用卡(Rewards Signature Visa/Westjet MasterCard);你也可以选择RBC Visa Platinum Avion,因为Signature No-limit banking可以获得$35的年费减免,在这种情况下,此卡是年费最低的同时带旅行中断/旅行取消的卡。

除此之外,别忘了BMO的一个活动仍然在持续当中,$1,500流动资金就能获得一张高级信用卡。开这个户头需要有SIN。【资讯】BMO Unlimited Plan帮你轻松申到好卡

以上活动都要求是相当一段时间内没在该银行有账户的新客户才能参加。如果你不合条件,不要气馁,你还有其他选择——Tangerine开户$175奖励活动延长至8月底了,不需要留几千块钱在银行,详情请看http://sihacol.muncnstu.com/2017/03/tangerine10050.html
RBC和CIBC开户奖励开始了 RBC和CIBC开户奖励开始了 Reviewed by 毛不易·撸 on 08:29 Rating: 5

[RBC] Westjet WEMC送Silver Status

活动已结束……

如果你最近有打算新申RBC westjet WEMC,通过以下链接中的表格填写信息,然后跳转至RBC完成申请,可以额外获得Westjet的Silver Status,主要福利是4 lounge vouchers和4 pre-reserved seat vouchers。如果你是想转卡至Westjet WEMC,那么也不妨一试——先填表提交,然后再去RBC online banking转卡。

http://www.rewardscanada.ca/westjetmcpromo/

【5.25更新】已经有朋友用了四哈给的套路,转卡并获得了Silver Status
[RBC] Westjet WEMC送Silver Status [RBC] Westjet WEMC送Silver Status Reviewed by 毛不易·撸 on 23:28 Rating: 5

[Air Miles] 1,250 MEGA MILES

https://airmilesmegamiles.ca/en/home?reg=ON
Air Miles现在又推出了一个“完成offer奖励bonus”活动,这次只要求在5.31前完成5个,得1250 Miles.

让我们以安省为例,看看有哪些容易完成的offer。

  • 用BMO Air Miles信用卡刷25笔。给Amazon账户买25张$0.99的电子礼卡……(这项是无损的)
  • 在Foodland买够$60;
  • 在Rexall买够$25;
  • 在Shell一次加够25L油;
  • 在Staples买够$45;
  • 通过Air Miles网购返利买够$150。
简单算算,大概$160消费成本就能攒到,其中Foodland/Rexall/Shell还可以是刚需。
[Air Miles] 1,250 MEGA MILES [Air Miles] 1,250 MEGA MILES Reviewed by 毛不易·撸 on 19:21 Rating: 5

[ON] CAA 2 Basic Memberships for $69

Offer valid to residents of the CAA South Central Ontario region only.

* Plus HST. Rate pertains to one Basic primary membership and one Basic associate membership fees for one year of service. Renewal fees: $79.10 for Basic Primary and $46.33 for Basic Associate. Plus memberships have a 24 hr. wait period.

** Free gift for new Primary Member joins only. One per Household (Value $30).

*** $10 instant savings only applies to first year membership fee.
[ON] CAA 2 Basic Memberships for $69 [ON] CAA 2 Basic Memberships for $69 Reviewed by 毛不易·撸 on 09:10 Rating: 5

[Scotiabank] 两张信用卡有开卡活动


Scotiabank Momentum Visa Infinite(4%买菜神卡)首免再返$100

申请途径:https://www.greatcanadianrebates.ca/

基本信息:年费$99,买菜加油返4%,药店和周期账单2%,其余1%;包含延保/购物险/省外医疗/航班延误险/行李延误丢失险/旅行中断险/租车险/旅行意外。其中旅行取消/航班延误/旅行意外只要求用卡支付75%以上票价。只要年消费$2500,既每月花$200在超市购物,年费就能回本,对学生来说也不算什么负担,然后旅行时还可以享受到基本保障。适合以日常超市消费为主(但不常去Costco),且每年有固定旅行的朋友。CIBC、Scotiabank买菜神卡区别在于:a) 2%返现的内容Scotiabank诚意更佳 b) “75%门槛”的涵盖范围,CIBC更广但一般都是全价买,故小编认为意义不大 c) CIBC比Scotiabank多了旅行取消险。

如果你还没有注册GCR账户,注册链接是https://www.greatcanadianrebates.ca/register/207198/ (在‘I was referred by’中填入admin@muncnstu.com,你和本站都能获得$2.5奖励,谢谢)

=========================================
Scotiabank Gold Amex开卡送$75礼卡、$300积分及首免

申请途径:https://www.ratesupermarket.ca/deals/scotiabank_rewards

基本信息:年费$99,加油买菜餐饮娱乐前50K返4%(积分形式),其他情况1%,订酒店买机票租车等旅游项目有专享折扣,返现所得积分可用于抵扣旅行开支(开卡前三个月消费满$750送3w积分价值$300),旅行保险全面,$65 USD购买Priority Pass年费会员(单次$27)

四哈博士(sihacol.muncnstu.com)简评:看来Scotiabank是发了狠要推这张卡,开卡奖励达到了史高$75+300+99=$474,如果你全年加油买菜餐饮娱乐能达到$2475,年费就回来了;其他类的消费可以通过在Grocery商店买礼卡的方式一样达成4%回报。此外这张卡还带运通属性,之前已经讲过为什么有必要持有一张运通卡。此卡第一年使用无任何负担且正收益,如果你未来一年恰有旅行需求,不妨考虑用它一年下船。论长期使用,此卡不如BMO Air Miles WEMC。BMO自带PP会员且送两次,单这项就值$150 CAD不止。
[Scotiabank] 两张信用卡有开卡活动 [Scotiabank] 两张信用卡有开卡活动 Reviewed by 毛不易·撸 on 08:13 Rating: 5
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