OMG!

Who said OCBC Titanium MC is not suitable for those big spenders? It serves me perfectly as my primary card. When the monthly rebates have been maximised, I switch to other cards.


You must know that in order to obtain the SCB WMC, you need ONLY either deposit, investment or annual income amounting to RM72,000. For those earning only RM6,000 per month, getting a CL of RM15,000 is pretty normal. Nevertheless, CIMB/DA WMC's requirement isn't high either. As far as I know, existing CIMB Platinum cardholders who earns RM5,000 per month with a CL of RM30,000 can also try asking CIMB to upgrade their cards to WMC with a new CL of RM100,000.

If you would like to compare HSBC WMC which is only given to HSBC PB customers with SCB, you should compare it with SCB VI instead. SCB VI is exclusively for SCB PB customers only.

To be frank, I won't recommend you to get the SCB WMC as the benefit sucks. If you want a card from SCB, get the Business Platinum card instead. See the comparison below.

1. SCB WMC doesn't give any free access to airport lounges, while SCB Platinum gives unlimited access to KLIA Plaza Premium Lounge.
2. SCB WMC doesn't give complimentary travel insurance, but SCB Platinum does give a high premium of travel insurance.
3. SCB WMC gives 2x choice points for monthly spending of more than RM1,500, which equals to 1% cash back. SCB Business Platinum gives 0.5% cash back plus 1x choice point for any amount spent, which is also equivalent to 1% cash back.
4. For overseas transactions, SCB WMC only gives 2x choice points for monthly spending more than RM1,500, while SCB Platinum gives 3x choice points for any amount transacted in overseas.

As a smart consumer, you should know which card is better obviously.

This post has been edited by winner: Oct 31 2010, 12:06 PM

That's such a good promotion from SCB! However, I didn't receive such letter. Or it could be for selected customers only.


That's exactly what I have been thinking of. DA's 0% interest for BT offer is running until 31/12.


If that's the case, use other cards to purchase your air tickets. It's not worthwhile to spend something like RM10,000 or other big sum just to get a mere RM50 rebate.


You should get the SCB Business Platinum instead.


Exactly. This also applies to SCB WMC, which is not really in the WMC category, and SCB Business Platinum is a much better card.

SCB always came out with innovative products but this WMC was quite poorly created.


I would suggest that you cancel most of your cards. Or else, you will be getting difficulty in obtaining bank loans next time.

Your combined CLs from different banks will be treated as potential debts and thus affecting your loan repayment capability.

It depends on the loan amount you would like to apply for. If the amont is not big and it is well within your repayment capacility, you could get the loan approval easily.


If you choose Alliance Younique "rebate" option, you can still get both cash back and bonus points. Only the "rate" option does not give any bonus points.

Except ck3lam, has anyone else received the letter from SCB about the 5% cash back for November 2010? I inquired SCB CS officers a few times but they were not aware of this promotion.

Can you specify which MBB card are you holding? As far as I know, MBB does not compensate customers with free points or cash for the service tax. MBB customers have to sacrifice their hard-earned points or cash to pay the service tax. Also, credit card service tax and annual fee are totally 2 different things.

Yes. It is FOC. You can also view your statement online.

You will receive the statement soon. Even if you have not performed any transaction, the first month statement will still show an outstanding amount of RM50. It is the service tax.

Damn! I've got an answer today. This promotion is only for selected SCB cardholders who rarely use their SCB cards. It is unfair to existing active customers. You are lucky receiving this invitation.

SCB won't extend this promotion to JustOne customers. I was told that the invitation was sent to those new customers who refused to use their cards after receiving the cash as welcome gift for quite some time.

Has your JustOne cc already hit the annual cash back limit too?

OCBC Titanium is the only card I can use now but it has also hit the monthly cash back cap for the 5% category. It will be timely if SCB could give me 5% cash back now. I am now forced to reuse my Amex Gold cc for petrol and grocery purchase.

But you would need to be careful a bit with PBB cc as there is always a maximum cash back pool per month. I'll terminate my Amex Gold cc by mid next year since not much attractiveness from Amex nowadays.

In addition to alexwsk's recommendation, I would like to say something but it is purely my own opinion only.

Isn't Alliance Younique considered a Gold cc?

3) Titanium Card = OCBC Titanium / SCB JustOne; tie, both are equally good
4) Platinum Card = Alliance Platinum / SCB Business Platinum / AMEX Platinum Charge Card (assuming AF is waiveable)
5) Visa Signature = <can't find a good one at this moment>
6) Visa Infinite = SCB VI
7) World MasterCard = Maybank WMC (assuming AF is waiveable)


You seldom used the card, but at least you still swiped it occationally. In fact, 5% cash back for all transactions is a very good deal although the maximum rebate is capped at RM50.

Your brief on your income details and requirements are too general. Browse through this thread from page one and you will roughly get an idea.

You are very lucky then. Very few customers were selected for this promotion.

It's bank decision on the selection of customers. The particular forummer is fortunate enough to be chosen. I've put my SCB JustOne and WMC in the cold storage already.

I had owned Alliance Younique before. It was shown as Gold cc in the statement.

Excellent idea. It is so sick to see those similiar posts and questions again and again.