max cap rm 50 per month?

i thought anything after RM 3k spending per month will still get 0.3%?

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

For Alliance, I'm using their You:nique cash rebate card, which gives up to 1.67% for all transactions. But this also rarely used because other cards are able to support most of my transactions, with higher cashback. Keeping this more for a backup for one-off expenses more than 1.5k.

You get 0.5% for first 1k spend, 1.5% for next 1k spend (1k - 2k) and 3% for next 1k spend (2k - 3k) and 0.3% for remaining spend

Therefore for 6k spend, you'll get rm59 in cashback, as follow:
1k x 0.5% = 5
1k x 1.5% = 15
1k x 3.0% = 30
3k x 0.3% = 9

This is the You:nique Cash Rebate card.. there are 3 different You:nique cards..

Yes, retail spend should include online spend as well..

Nope.. the cashback is tiered.. so for that purchase, you will get RM23 of cashback.. calculation as follow:

1000 x 0.5% = 5
1000 x 1.5% = 15
100 x 3.0% = 3

Might be off-topic, but you would be better off with the Maybank FC Barcelona Visa Signature (if you meet the minimum criteria).. It gives 2% CB on any purchase..

Maybank Visa Signature thread

Depending on your needs & how you use.. Technically, because there's no cap to the cash back, you can use as much as you want.. You can get RM 200 worth of CB per month if you can spend 53k per month..

But if you're talking about maximizing % of Cash Back, ideally is to spend RM 3k as per above post, so you get RM 50 of CB (equivalent to 1.67%).. Anything beyond RM 3k, the % CB over total spend reduces..