wana ask, i now have the SCB platinum card. if i apply for the business plainumt (now got promo up to RM178 cash back if apply online) can i then cancel the normal platinum and transfer the choice point to the new business platinum (Platinum Share Points)? 0.5% cash back on the business plat with the RM178 is the main attraction...

thanks bro. rechecked the t&c and u are right. anyway, it might still make sense to switch coz the current card is approaching the 3rd year and might be charged annual fee...

multiple cards from same bank tend to share credit limit across the board. my guess is that ur bro's case may just simply be the bank is lazy to offer or update the limit since he had already hold SCB cards previously. just simply call to CS and request for permanent credit increase and submit salary as prove if he is so particular on the credit limit he gets. else treaten them he will cancel. sure work...

its quite standard. I believe its the cash rebate for "spend x times after xx days of ur card activation" on top of the cash rebate they give when u apply. like RM138 + RM 50 = RM188? can use it to offset GST lo.

proceed with caution. I remembered those high cash back are for "new" card holders. for a second card, you still get cash back, but only the standard ones stated in the website (unless u got other ways with agents/bank??) like me, holding a normal plat, applied for biz plat only get RM88 + 50. Better than none still...