On AF waiver, it is already stated cleary that one needs to spend RM15K a year which is pretty high. So those who do not spend this much, do expect to pay AF comes next year and don't hope for waiver.

ok thanks. but how do i print epf statement? can i print tru my kwsp iaccount? or have to go to kwsp and use the machine to print out ah??

Yes, you can do it online.

I did not suggest to cancel, I suggest to reduce limit your ikhwan card & after that increase limit for your amex card.
By the way I just make a call to SCB CS. He say that I can close the current account attach to JustOne Card. JustOne card will only function as credit card. debit card will no longer work.

Just a note, Saadiq $aver has been reduced to 0.5% now for balance between RM0 - RM100000. As for e$aver account, it's been also further reduced to 0.4%, down from 0.7%. Going to close my e$aver account on Monday and transfer all the money back to my Public Bank account    Too bad, because i really liked them ... (for their savings's interest rate  )

1st year is FOC. Unless Citi has changed its policy.
If the points aren't shown in my next month statement, I'll write to SCB again. FYI, I've just lodged a complaint to SCB yesterday regarding the super high conversion rate they charged on my overseas transactions.

Guys, for SCB JustOne, how do you keep track of the total cash rebates you've received?  Manually by Excel?  There should be a way to keep track since the total allowed is only RM600 per year.  I asked SC and they replied:


Thank you for your message dated 24/8/09.

Kindly be informed the cash rebate is as per transaction made and summary of total rebate is yet to be available in the statement. Sorry for the inconvenience caused.