David, under the last paragraph of item no. 7, 2x timeless bonus points are only applicable to Alliance Plat CCs, wheareas other lower category Alliance CCs get 1x timeless bonus point for overseas transaction.

Besides that, for retail spending in overseas using SCB CCs, SCB VI gives 5x choice points, Plat - 3x CPs, JustOne - 0.5x CP, Others - 1x CP.

Another important thing is that while almost all CCs give complementary travel insurance coverage for purchase of air tickets, SCB JustOne and Amex Gold cc do not provide this complementary insurance.

I was watching the 8TV Chinese news too. They did not really mention the service would be charged on anniversary date. It actually came from the interviewees. Besides, it was reported that most banks have already sent out letters on service tax matters to customers. Lets wait and see.

I guess he was just joking by exaggerating the situation. Even for high category cards like SCB VI and Amex Plat charge card, you can also reapply for them if you have terminated them. Unless it is something as precious as SCB JustOne, you won't be able to get it again as SCB no longer accepts new application for this card and its reissue has been postponed to an indefinite date.

If you don't have outstanding balance, how to do transfer?! That is the basic requirement.

Bear in mind that a rule of minimum transfer amount applies.


You still need to have outstanding balance in Card A, in order to do BT from Card A to Card B.

1st Jan? I hope so! A fresh RM600 rebate will be calculated according to your card anniversary date.

I have to wait till May/June next year only can reactivate and use the card. Next time I will use it slowly and not too aggressively, in order to enjoy the rebates throughout the year.

What I meant was that I wouldn't use it too aggressively. For example, if I need to pay a bill amounting to RM8k, I will use my Alliance Visa Plat to pay the first RM5k and SCB JustOne for the balance RM3k. By doing this way, I can maximise the cash back of my Alliance Plat which is limited to RM68.75 for a maximum spending of RM5k on a monthly basis. Meanwhile, I can still slowly enjoy the cash back gained from SCB JustOne which is capped at RM600 on a yearly basis. I won't only use SCB JustOne alone for a bill costing more than RM5k.


You will get a fresh rebate in April. Mine is slightly better. I received the card in June and the card anniversary date is in May.

The last batch of SCB JustOne was approved around Aug. It doesn't really make sense if those cards are given only 4 months to enjoy the yearly rebates. I wish to get a fresh RM600 rebate in Jan too. Anyhow, you try and update us.


I don't think you can get your card in 2 weeks. MBB and Amex are busy processing card cancellation cases. When you receive the card, say in Jan, you will be charged an upfront service tax immediately and the maximum payout of RM4mil has finished too.


Anniversary = Yearly

If my memory serves me right, my JustOne stopped giving me cash back when the accumulated rebates reached RM610 approximately.

SCB JustOne supplementary card has a different RM600 cash rebate which is not shared with the principal card.

I was even told that each principal card were allowed to apply for up to 6 supplementary cards, and every supplementary card was entitled to RM600 each. However, I can't confirm this as SCB had already stopped issuing this card when I wanted to apply for supplementary cards in Aug.

If you take the risk and don't receive full rebate for the big transaction, then you will get 0.5x choice point for every RM1 spent only.

To be exact, my rebate stopped at RM618. I was not given FULL rebate for the last transaction that received cash back.

RM1 spending = 1 point ---> This is what you deserve to earn. In order to get TPs worth RM70, you need to spend about RM15k. I don't think you can say you make a lot from cc. If the card gives you more than 1x point for each RM1 spent or gives you cash rebates on top of the reward points, then it could be a different story.

Eh...paying RM25 interest to bank = DISCIPLINE. First time I hear this.

If you pay in full on time, you should have saved the RM25 interest.


We have been talking about this many times. For existing cards, service tax will be charged on anniversary date. It looks like you were not paying attention.

I owned Citibank Visa Platinum before. It was FOC for first eyar. AFs for second year onwards were waived by swiping at least 24 times of any amount per annum.


No. Minimum CL for Citibank Plat is ONLY RM20k. On the other hand, you can get a CL of as high as RM450k for Citibank Plat.


I don't think you will be able to get a CL of RM7k for SCB Plat. As far as I know, SCB is unable to reduce the CL below its minimum level. For example, minimum CL for SCB Titanum is already RM15k. Therefore, CL of its Plat series should be more than that.

Not much benefit. I owned Citibank Visa Plat for more than 1.5 years. I used the card quite a lot in overseas to enjoy 2x points. After that Citibank removed the promotion and I also obtained other better cards like SCB JustOne Titanium MC and Alliance Visa Plat at that time. Therefore, I cancelled the card.

Alliance Bank sometimes can be very strict to first timers. A lot of freshies have been rejected for Alliance Younique MC.


Many people here had already cancelled some of their CCs even prior to government's confirmation on service tax mechanism.


No.

There are TOO MANY cards. It depends on your requirements.

No doubt SCB JustOne is the best cc we have ever had. But it is pointless to mention it again as SCB has stopped issuing this card.