SCB WMC cardholders are currently not given any free access to KLIA Plaza Premium Lounge. Only SCB Platinum, Business Platinum and VI give unlimited free entries to the lounge.

Income requirement for SCB Platinum as well Business Platinum is one of the lowest among all the Platinum series in Malaysia. However, SCB Business Platinum is one of the best Platinum cards in terms of benefits given.

A special feature of SCB Business Visa Platinum is that it gives 0.5% cash back (without cash back limit per month or per year) for all retail transactions (except petrol) plus 1x choice point for local spending and 3x choice points for overseas spending. You can redeem RM25 cash back using 5,000 choice points. This is equivalent to 1% cash back for local spending and 2% cash back for overseas spending. This card is good as a backup for big purchases or when you have maximised up the monthly cash back limit for other cards which give more than 1% cash back. SCB Business Visa Platinum cardholders are also entitled to all benefits given to normal SCB Platinum cc, such 3x choice points for overseas transactions, unlimited free access to KLIA Plaza Premium Lounge, 50% discount when dining at Platinum Partners, complementary travel accident insurance of up to RM1mil, etc. Just a reminder that Citibank Cash Back Platinum does not give complementary travel accident insurance unlike what a normal Citiback Platinum cc does.

SCB's cash back system is the best, as it states clearly cash back details for every single transaction. Normally the cash back details can be viewed online 3 days after the transaction is made.

You can redeem RM25 cash by using your 5,000 choice points upon request, and the cash will be credited in your account within a week. I normally utilise the choice points earned from my JustOne cc to redeem cash, as the choice points will be expired every 3 years.

Prior to the anniversary of my SCB WMC, I will convert the card to SCB Business Visa Platinum. SCB WMC's benefit really sucks!

Hopefully SCB will extend the RM188 cash back promotion. But this RM188 cash will only given to new card upon approval. So I may have to apply for the new card first and thereafter cancel the WMC.

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Added on December 12, 2010, 6:35 amThat's very cunning of HLB, forever and always!

This post has been edited by winner: Dec 12 2010, 06:35 AM

I guess vanderbilt = rockefeller.

Yes, SCB Business VISA Platinum is one of the best Platinum cards in the market. This card offers many other benefits. I have already highlighted these in one of my previous postings.



I have swiped my CCs for transactions less than RM10 at Parkson, Jusco, Sogo, Isetan and Coffee Bean. I won't use cash so long as the merchants accept payment via CCs regardless of whatever amount. However, most of the smaller merchants only accept CCs for a specific amount spent.



We have discussed this many times here. Many forummers here did not get 5% cash back for purchases at Jusco. SESB falls under utility bill category, thus giving you 5% cash back.

This post has been edited by winner: Dec 12 2010, 10:51 AM

The funniest thing is that vanderbilt answered rockefeller's postings and vice versa.

You will get 2x points, equivalent to 1% cash back, if you use Amex Gold cc at Jusco.

Existing SCB customers can also enjoy the RM88 or RM188 cash back (welcome gift for new card).

Spending at Jusco supermarket will only get 2x MR points.

This post has been edited by winner: Dec 12 2010, 05:11 PM

CIMB can give a high CL but no free points or cash back to offset the service tax. You may try applying for SCB Gold cc, and get RM88 cash back. However, there is no guarantee to receive a higher CL as your current CL is already 3x your monthly salary.

Which outlet did you purchase your stuffs? My purchases at Jusco supermarket IOI Mall a few months ago did not give me 5x MR points.

Most banks have increased points requirement for RM50 cash voucher to around 11,000-12,500 points. Only CIMB still maintains low points requirement. That's why I would rather redeem cash back (RM25 for 5,000 points) than the stupid vouchers for my SCB cc.

This post has been edited by winner: Dec 12 2010, 07:43 PM

It's my Preferred Banking RM and CS officer who told me that I could get RM188 if I apply for SCB Business Visa Platinum. They also told me that SCB has just changed the cash back rules, whereby the RM188 cash will only be credited to the cardholder's account upon first usage, not upon card approval. I will however, take it with a pinch of salt.

I have just viewed the latest statement of my OCBC Titanium MC. No surprises this time. All my expenses at petrol stations, restaurants, hypermarkets and utility bills were given 5% cash back.

On a separate note, I received a call from CIMB Group asking me why I had not swiped my DA VI since I obtained the card in August. I highlighted to them the cash back rates are not attractive and I would only use this card for the 0% interest BT. The CS officer revealed that the bank was gathering feedback from customers and might review the cash back system in due course.

That's interesting. Spending at Jusco supermarket in One Utama is entitled to 5x MR points for Amex Gold cc and 5% cash back for OCBC Titanium, as opposed to 2x MR points and 1% cash back at other Jusco supermarket outlets.

Titanium cards are also acceptable. I have entered the premium washroom at The Gardens many times by showing my OCBC Titanium MC.

Pretty normal. Just like a washroom of 5-star hotel. It is still a public toilet anyway.

Amex Platinum Charge Card and Amex Platinum Credit Card.

Normally free access is only given to principal cardholder only.


After changing the direct debit to OCBC Titanium MC, my TM account no longer gets the monthly RM2 rebate that I enjoyed before.