scb need meet min spend.
those spend exclude petrol and insurance.

not comfortable...

What is the charges for? Thought it was unlimited access until recently?

does SCB have annual fee waiver clause like the you:nique (i.e. 12 swipes per year to be eligible for free AF)?

Like I said, depend on your spending. It doesnt affect me much as petrol has other better cards. Insurance will put in this card to get 3.33% rebate.

No. Need to call for waiver. Subject to their approval.

no but easy to get waiver ..

scb not stingy like citi

Hi All,

from ringgitplus, seems like the calculation a bit different than you all mentioned.

at 1st, i was thought if u spent 3K, the effective rate = 1.67%, becoz

0-1000 = rm5
1001-2000 = rm15
2001-3000 = rm30, so total = rm50,

but if u all see the ringgitplus,

All Retail 0.5% RM5 up to RM1000 monthly
All Retail 1.5% RM30 from RM1001 up to RM2000 monthly
All Retail 3% RM90 from RM2001 up to RM3000 monthly

when u spend 3k in one month, u directly fall into 3% rebate category and u will entitled 3% rebate = rm90(3000 X 0.03)
not like split into 1k.

So, anyone who have the card can help me clarify regarding this? Ringgitplus made mistake?


Thanks！

https://ringgitplus.com/en/credit-card/Alli...at-Rebates.html

This post has been edited by HenryJay: Apr 20 2016, 03:44 PM

Sorry i am confused.
which card will get 3.33% rebate on insurance?

SCB Cashback Gold offers RM50 rebate for RM1500 spending. Effective cashback is 3.33%. Best thing is you can charge on petrol and insurance to achieve the RM1500 spending even though no rebate on these categories.

Yes, you are right. Last year unlimited. Forgot it is January.

Your 1st thought correct
Ringgit plus is incorrect, you will never reach the 2nd and 3rd cap mentioned
If ringgit plus is correct i think more people hold this card already

Do you mean that if i got insurance of 500 monthly.
I spend another 1000 in other categories (except insurance and petrol)
Total spend = 1500
Rebate got 1000 * 5% = rm50 ?

Yup, that is the tips given by SCB in the table on how to maximize your rebate. So to me, I will deduct the insurance amount from RM1500 and do my spending normally to get 3.33% effective rebate.

pm detail d/

scb card . if u do not have 12 swipes. u call cs . they can direct waive the AF for u.
based on my scb world miles card exprience.

I thought each lounge visit only rm90 ?

younique card application got rejected although my annual income far exceeds the required amount. Applied thru a forummer here and he was very courteous to inform me the reason of rejection : alliance bank will not approve card appkicants eith >5 credit cards

bullshit i say .... I had 6 cards ... applied both this and the SCB card last week .. both approved ... SCB card already in my hand ... this card on its way ... even the online design is approved ... So now I have 8 cards ... (I will cancel 4 though after I get this and the SCB card)

No idea why. Since they dont want my business I have no issue.

I've more than 10 CCs also when I applied for Alliance You:nique

Boss.relax.
It calculate applicant mue and bube
I know all member here are pro card player.
No only ken lui get this reason. Few of customer rejected.
Although commitment is dam low. Wif high income earner.
To be honest how good is ur income how pro are u .the bank is the banker we are just a small potato player.
For my point of view. I unhappy wif this bank. I wil just dont take their facility.

Kenlui and u are apply same forumer .



May b u can consider this bank lanshi..he dont want do ur biz.
And honestly. Among group of forumer are super good pay master.zero outstanding. U strongly feel tat bank are look down and embarrass you.
Honestly we are not giving biz to the bank. If we pay full amount .
We are just take their tiny advantage from their card.
All are smart consumer.
Fren . Sorry no offense .
I m the most right person to say bull shit among all the forumer

You all don't know my pain.

This post has been edited by theanswerL2: Apr 24 2016, 04:45 AM

Most easy going bank card.

Scb
Hsbc