Features of SCB Credit Cards
• Convert 14000 ChoicePoints into RM50 Cash Back {~ 0.36% cash-back}, effective 1 July 2011
• Free 1,000 ChoicePoints for RM50/RM25 GST payment (make 3 transactions of any amount within the GST month*)
• You do not really need to become SCB Preferred Banking customer in order to get SCB Preferred World Mastercard. However, if you apply for this World Mastercard without becoming SCB Preferred Banking customer, the World Mastercard you get will only earn 1x Choice Point, not 1.5x or 2x Choice Points.


*Call the Customer Service for exact date when the GST will be charged.

Cross-Border Charges with SCB Credit Card
1. Malaysia Apple Online Store
2. LivingSocial Malaysia [0.8%]

Customer Care Line

24-Hour Customer Service
Telephone : (603) 7718 9999
Fax : (603) 7849 6868
Email : Malaysia.feedback@sc.com

Platinum Hotline
Within Malaysia : 1800 88 2588 / Overseas : +603 7718 9799

Preferred Hotline
Within Malaysia : 1300 13 0011 / Overseas : +603 7681 5688

Visa Infinite Hotline
Within Malaysia : 1800 88 1577 / Overseas : +603 7721 2577

Price Solution Telesales
Within Malaysia : 1300 880 388 / Overseas : +603 7688 4688

This post has been edited by ronnie: Nov 12 2012, 01:38 AM

Latest Promotion from SCB

Refer your friends and family to win a Samsung Galaxy SIII


Refer friends and family to apply for a credit card online and be rewarded. The top introducers will each walk away with a brand new Samsung Galaxy SIII. On top of that, earn attractive CashBack. Plus your friends and family will enjoy 6 great benefits when they apply for a Standard Chartered Business Platinum Credit Card today. Promotion starts from now until 30 September 2012.


Full Terms & Conditions

Win RM200 CashBack when you spend a minimum of RM100 with your credit card from 10am to midnight, daily



To participate, simply send an SMS to 33310 from 30 May 2012 to 1 August 2012, in this format:

GIFT<space>16-digit Standard Chartered Card number
(E.g. GIFT 4508123456789000)

If you spend RM4000 between 4 June – 3 July 2012 or between 4 July – 3 August 2012, you get a Philips Coffee Maker (Model HD7564/20)
If you spend RM8000 from 4 June 2012 until 3 August 2012, you get a Philips Cube Micro Music System (Model: DCM1075/98)

Full Terms & Conditions

Analysis
1. Ensure you register ASAP via SMS

This post has been edited by ronnie: Aug 1 2012, 11:42 PM

It was GREAT to know that Anupam Shrivastava (General Manager, SCB Retail Banking Products Malaysia) decides to maintain the 0.5% Cashback until further notice

With the RM228 Free Cash promotion ended on 31 May 2011, they better come with an even better deal to attract new cardmembers.

Suggestion for SCB Cash Back Credit Card
1. 6% Cash-Back for ALL spends on Friday, Saturday, Sunday (Monthly Cap : >RM50)
2. 5% Cash-Back for Petrol, Dining, Groceries, Utilities, Pharmacies, Cinemas, Bookstores (Monthly Cap : >RM50)
3. 2% Cash-Back for other spends
4. No ChoicePoints will be given
5. Annual Usage Bonus of RM50
6. Free-for-life (i.e. no AF)
7. Immediate Cash-Back posting (2-3 days after transaction is posted)

This post has been edited by ronnie: Nov 1 2011, 12:54 PM

I agree with this.... SCB has seldom given me surprise for credit card offer/promotion.

The SCB Platinum cash back of 0.5% is like the standard norm where we also get approximately 0.5% in returns with points.


Edited/Updated

August 2012, is the best time to go apply for the Standard Chartered Business Platinum or Gold credit card. Reason being StanChart is offering FREE money for credit cards approved in August. And to top that, the SCB Business Platinum and Gold credit cards approved in July and August 2012 are eligible for 5% cash back for Petrol But, as usual, there are terms and conditions, click below link to read more.

Standard Chartered Bank Business Platinum & Gold Cash Back Credit Cards

If you are interested in the Standard Chartered Bank Visa Infinite, click here to read my article.

This post has been edited by Gen-X: Aug 18 2012, 05:03 AM

That's right...but the Business Visa gives 0.5% (Direct Rebate) and 0.5% (ChoicePoints Redemption) = 1%

Where did you get the notification from ?

This post has been edited by ronnie: Jun 2 2011, 12:17 AM

I received an sms, followed by a notification email from Stand Chart. Thats the content quoted from the email.

I am using JustOne card. 5% rebate on Friday and 2% on rest of the days

applied in mid may but only 31/5 called to verified & ask for scanned IC and i ask them whether i'll get the 228 cash after the card approved after the promo ended on 31/5. they say ok, but im unsure somehow

Good luck. I think even if you don't get the RM228, you can still ask for the 11000 ChoicePoints to waive the GST.

About the latest promotion, anyone has any idea if the RM1,500 has to be done first before the dining spending can commence receiving rebates.

Their example in T&C

Wonder what will be the rebates given for the scenarios below

Example Scenario (within same month)

Spend RM500 in Dining first
Spend RM1000 on Others later

Rebate - RM 125 or RM 0?

Example 2 (within same month)

Spend RM200 on Dining first
Spend RM1300 on Others
Spend RM300 on Dining after that

Rebate - RM 125 or RM 75?

Can you ask the SCB CS for us and update here... thanks

with my previous experience, as long as u can spend RM1500(include dining) in the particular month, you can entitle for the 25% rebate provided you have sent the SMS before all of the transaction.

Yes, it's stated in the t&c. Spend at least RM1500 on retail charges for a particular period (or month), then you'll get 25% rebate on your food for that particular period/month. And you also need to meet their conditions, like register your cc first (for 38k customer only), received confirmation, etc.

This post has been edited by ks98: Jun 2 2011, 12:48 PM

This rebate on top of the discount offer by "SCB dining Privilege" will be fantastic !!! Father's Day dinner coming.

SCB Dining places usually gives 15% discount + 25% rebate (1 Jun to 31 Jul 2011) ... close to 50% off your dining expenses

This post has been edited by ronnie: Jun 2 2011, 02:38 PM

Just clarified with CS a few things :-

1. You must first SMS and receive the confirmation from them to be eligible.

2. You will be eligible for 25% cashback for all dining swipes in the month, provided you have spent RM1,500 or more for that month. Therefore you can spend RM600 on dining and RM900 on anything else and you will receive RM150 cash back.

3. Each month is treated separately, meaning if you spent RM1,500 in June and nothing in July, you will still get the 25% for the dining spending in June. You are not required to spend another RM1,500 in July unless you wish to get 25% cashback in July as well.

4. The maximum cashback awarded per card in RM150 for the whole promotion.

Started my Dining spend for June 2011... hope to get the 25% cash-back rebate.

Another question: As long as I'm within the 38,000 cardmembers who registered successfully, I will get the 25% rebate, right ?

Yes, you will get the registration sms from 66300, and that you have spend RM1500 during the period.

The RM1500 spend is based on Qualifying Period (1 to 30 June 2011 and 1- 31 July 2011), Not based on Statement Date.

I wonder if monthly payment (auto-debit) to Insurance can be counted as part of the RM1500 spending ?


This post has been edited by ronnie: Jun 2 2011, 10:58 PM

RM1,500 to qualify...I give up.

Less Men, More Share

haha, yeah, good for you
Good luck.

Great...Just when I have decided to stop using SCB card...

Better if you try to delay all your big dining spending in July. RM150 cash back equivalent to RM750. So, in July you can still charge another RM750 to make it RM1500 qualifying spending.

That's wrong... RM1500 is per spending month (1-30 June or 1-31 July), not combined.
RM150 cashback = RM600 dining spend

Yah, what I mean is that if you have difficulty to maintain RM1.5k per month, why not defer all the dining spending and combine it to make it RM1.5k qualifying spending in July. Anyhow, the total cashback rebate is RM150. So, defer all your dinings and spendings to July will do as well, if you have no confidence to have qualifying spending RM1.5k in June.

@pokemon: you still need to spend RM600 for dining + RM900 for other spending to qualify.

So do it in July if you can't meet the qualifying spending of RM1.5k in June.

Guys,

Once received the confirmation, consider eligible for it, right? I just helped my boss bought an air ticket for 1.4k, so must take this opportunity to feast. BTW, what if the MCC code does not match those of a dining category? Still eligible right?

The T&C is only for the name of those participating merchant and not by mcc code.

Not many restaurants offer 50% discount under dining privilege promo.

Which restuarants offer 50% discount for SCB Cardholders ?

Went thru SCB dining privilege list of restaurant few days ago and saw a couple offering 50% discount but can't remember the names. So sorry.

Came across their booth at MIECC yesterday, and was told that a 1-year EPF statement is required.
I've a question though, since I've just started working, is it possible for my dad to act as a guarantor or sorts in place of the EPF statement?

Thanks for any feedback.

if you already start working, perhaps you can show the salary slip as proof of income.

I've asked if I could get by with that instead(3 months pay slip), but the lady told me that all the documents were required, not one or the other.

Of course Ham Tan Chow Taufu don't cost much....
This promotion is for those who average >RM1000 per month spending on SCB CC

RM1500 is for retail spending including dining... Not RM1500 on diniing only.
Please read the promo T&C properly.

Each cardmember can get maximum RM150 cash back for the entire promotion. @25%, that's a nett spending of RM600 on dining ONLY.
Eg.
A table for 6 at Ah Yat Abalone cost RM699++
A table for 4 at Dragon-i Restaurant cost RM399++

This post has been edited by ronnie: Jun 6 2011, 02:23 PM

actually the cash rebate is less than 25%

need to spend at least rm3000 (june and july)

max cash rebate is rm150 only

150 / 3000 = 5%

u get only 5% rebate which is same for mbb 2 amex on weekend and ocbc titanium. Of course you still got points and rebates if u are business visa platinum holder. Total maximum you will get after added in points and rebates is 6% only for biz visa platinum cc holder

This post has been edited by gerrardling: Jun 6 2011, 02:30 PM

You can spend RM900(other retail spending) + RM600 (Dining) to get RM150 Cash back
That's 10% Nett Cash Back (or 11% if using the SCB Business Visa)

the t&c stated u need to spend rm1500 for 2 months in order to qualify, and there is only rm150 allocated for this both months

Care to share which T&C states we must spend RM3000 ?



The 10% nett cashback is the maximum possible.

The extra Qualifying Spend during the first Qualifying Spend Period will not be carried forward for the second Qualifying Spend Period. For example, if a Cardholder spends RM3,000 in the first Qualifying Spend Period, the extra RM1,500 will not be considered as Qualifying Spend for the second Qualifying Spend Period.

The same principle applies for the calculation of the dining charges to award the 25% CashBack where dining charges made during the first Qualifying Spend Period will not be taken into account for calculating the Qualifying Spend of the second Qualifying Spend Period.

Spend at least RM1,500 per month on anything, not just dining.

let say you have hit rm150 cash back in first month, then u can stop spending with your scb card already and wait for the cash back to be credited into ur account. If not, then u have to spend another rm1500 in second month in order to get the remaining cash back which u didnt get in first month

That's why you shoud try to hit RM600 dining within June 2010 !!! That's my target ....
Idea : Go bring your dad to a nice expensive meal during Father's Day

This post has been edited by ronnie: Jun 6 2011, 04:06 PM

but where to spend for another rm900 ? lol buy a massage chair ???

You see, this promotion making spend more that you otherwise would

Idea: why not take you dad to a nice and reasonable priced restaurant and save more than the cash back, haha

the balance RM900 go spend on weekend with MBB2 and get back 7.5% would be better?

This post has been edited by Gen-X: Jun 6 2011, 05:05 PM

Very true that these Cash Back are 'evil' actually to make u spend more.
nevertheless, we still LOVE Cash-back !!!!

P.s. I have regular payment >RM900 each month ... So i just need to eat MoRE and be prosper.

Double confirm abit...

25% off is on selected merchant or ALL DINING?

Anyone successful waive their annual fees on Standard Chartered Bank Credit Card?

AF or GST?
AF shud be quite easy, just call up

Ya, is annual fees.
Is that have and T&C for calling to waive the annual fees? Such as swap X amount in a month?

All Dining outlets...

GST will be waived with 11000 ChoicePoints creditted to your account ;-)
11,000 ChoicePoints = RM50 + 1000 ChoicePoints

Ths is for new card applicant or existing card holder???

u can pretend to cancel the card, the bank is more than happy to waive that for you. I got that, hence stil keeping the SCB card alth i have only used it 3 times so far.

All cardmembers if you decide to cancel because of the GST.

hehe, but i don't want to try it on my JustOne

I just realised that Standard Chartered has implemented a new security measure for credit card payment lately. An email alert contains brief info of your purchase and payment amount, will be sent to your email address upon over certain payment threshold.

So far, I received emails alert whenever my payment over RM3k for both retail purchase and online payment. No phone call from the customer service officer anymore.

Guys, pls check your registered email address with SCB!!

you can also setup ur sms banking thru the online banking to sms you whenever a transaction passes your preset threshold

Just updated my email to SCB Customer Service... and no more paper statement.

I just cancelled my 2 SCB cards because of GST and within 3 working days, they called me to take back 1 of the cards.
Now waiting for UOB to do so as well as I just cancelled it as well, but I guess they are slow.

A bit off topic, but anyone tried this for Citibank Clear card where when u cancel, they will waive the GST?

This post has been edited by yflai1: Jun 7 2011, 09:19 PM

i disable the mobile banking but enable the SMS alert..will still be able to receive alerts right?

yes, i oso do not enable mobile banking
just make sure ur sms banking setting is correct

Hi yflai,

Did u cancel SCB credit card via phone? I've just terminated my Citibank plat cash back and they didn't want to waive the GST for me

I thought they will give u 11k points when u swipe 3 times. U still gain 1k points after u use 10k points to redeem GST.

I went to SCB's branch and cancelled it. Hmm...I guess Citibank would rather lose customers than paying for the RM50. They really believe in the benefits they are providing to cardholders are attractive enough. How often do u use the card?


I did not swipe it for the last one year and I had every intention to cancel it. What am I gonna do with the extra 1K points? Use the card and collect up to 10K just to exchange for some measly voucher? I'd rather use other cards that give u instantly more - like cash rebates.

You can change 5000 ChoicePoints for RM25 cash back to your CC... that's a 0.5% rebate (based on RM1=1 ChoicePoint)

Yeah...I saw that in their before last time as well...but still, I will need to use another 4K before I get another 4K points. See, the "evil" they make u do.
Better I spend this 4K with 5% / 7.5% rebate? Even though I know now they're offering the 25% dining cash back for these two months but, my
monthly food bill does not reach their minimum amount.

On a side note, for F&B industry, usually these are the 2 slowest months in the year if I'm not mistaken. Anyone from F&B industry, correct me if I'm wrong. Thanks.

I used SCB credit card a lot over the last one year, but I will call SCB to tell them i wanna cancel the card as I'm not very keen to pay the RM50 service tax

I have reach >50% of the maximum payout liao...
Did it I overspend ? Not really as I still have to eat lunch & dinner. When will mamak start accepting CC ?

Why are June & July the slowest month ? It's Mega Shopathon Sale month !!!

Smart move...

hopefully got lots ppl cancelling their justone cc so that scb will reopen the application to public

they wil pay u RM50 to "gao dim" the GSt, it happened to me and hence, stil keeping the card.

---

Added on June 10, 2011, 9:53 amwats ya so great abt this card?

---

Added on June 10, 2011, 9:54 ami dont understand this. If only getting 10% cash back, why is the promotion says 25% ?


This post has been edited by andyfriends: Jun 10 2011, 09:54 AM

I called Citibank CS and told them I wanted to cancel my master clear card.. she offerred to waive my GST and credited it back into my account... of cause I need to keep the card...

that is the one of the trick used by citibank shell card. maximum cashback u can get is rm150. that mean u are only allowed to spend up to max rm600 for dinner. BUT u need to spend another rm900 to make it rm1500 in one month and it doesnt giving u any cashback at all.

so it will be 150/1500 = 10% cashback. The extra rm900 which doesnt entitle for cashback that u spent drag down the cashback value

The statement is not enitrely true. SCB Choice Points received will be 900 ChoicePoints, which is equivalent to 0.5% cash back (5000 ChoicePoints = RM25)

CC was create to let you spend more than you can afford

Hmm...i gotta do that this year, and seriously, this time I want to cancel my card.

---

Added on June 10, 2011, 3:03 pmThat's why they have all this shopping and sales and food promos at this time of the year, the rest of the year are mostly festival/holiday seasons where people will spend. U will see lots of wine promos at this time as well.

This post has been edited by yflai1: Jun 10 2011, 03:03 PM

If you see any of the SCB aquarium promoting the 25% Cash-Back on Dining in Shopping Malls (i.e. 1 Utama), feel free to "chat" with the "fish" (behind the aquarium).

Does anyone know SCB VI credit cards required how much annual income to qualify? I saw their prefered world master card only require 72k per annum only...(which is easy to get? compare to cimb 200k needed)

All you need is to establish a priority banking account with them. Annual income not really a factor

=.= , thats not a good answer?

SCB VI is bundled together with SCB Priority Banking. You must be a SCB Priority Banking to get SCB VI. To enrol into SCB Priority Banking you need RM250k investment or RM800k of mortgage.

Another way to enrol into SCB Priority Banking is to signup under Employee Banking program, but your minimum salary must be RM16k and above, this is for a 1 year trial period. After the 1 year to need to maintain RM250k AUM.

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Added on June 13, 2011, 11:27 amHaha good one

This post has been edited by muddie: Jun 13 2011, 11:27 AM

The official website did not stated the conditions, thats why i'm wondering...hmmm. thanks

i dun wan fish, i wan mermaid, got ar?

Mermaid go watch POTC:OST

Thanks for these info mate. I never know we can convert 5k choice points to RM25 cash!

I better convert my 70k points first before asking for card cancellation. Wish me luck that the customer service will offer to waive my GST!!!!

For sure they will waive the GST... 70k ChoicePoints = RM350 Cash-back

Well, you did ask for the income requirement, right?

---

Added on June 14, 2011, 8:24 amAnyway, just so you are aware, other than thr RM72K annual income, you will also need to open a preferred account with them. Good luck

This post has been edited by tgeoklin: Jun 14 2011, 08:24 AM