AF is charged upfront, meaning it is for June2015-June2016. If you have not used the card since 28th June, you can get it terminated without paying the AF.

Dear TS and Sifu-sifu,

I put in online application for SC Platinum but the CS called me and suggested me to upgrade to Worldmiles mastercard..
I applied for the platinum cause the CC design looks nice as per me.  Honestly I don't like the worldmiles design cause it look like a classic card.

BTW what is the benefit for worlmiles mastercard? Is it same as World mastercard?
They never mentioned about airport lounge free entry and bla bla ? Is there any free entry?
What will be the credit limit likes? 15% of annual income?
All this while I had been using Maybank Platinum card for years, I never called them to increase my CL and they also didn't bother to offer me.

Now I am planning to switch to International Bank credit card. My mind is between Citibank and SC. But the annual fees for citi is RM 630 a year, which is a lot for me, so I op for SC. Hopefully I didn't made a wrong decisions.

Please advice, Thanks.

Not much, very vauge..Worldmiles card but nothing on Airport lounge..

Am curious about the SC Cashback card.

Why nobody is recommending it?

Seems a good alternative now that M2C is cutting their 5% CB off.

within calendar month,

Spent below RM500, get nothing.

spent  >RM500-799, exclude petrol & insurance, get RM10 cashback.

Spent >RM800-1499, exclude petrol & insurance, get RM25 cashback.

spent >RM1500, exclude petrol & insurance, get RM50 cashback.
Maximum RM50 cap.

I know.

It's seems simple.

1k retail should be easy.

My parent's + relatives groceries already reach 1k per month. Since M2C revoked weekend 5% CB, I am destined to hit the 1k target already.

The balance 500, can use for anything.

And it's 1,5k retail, minimum 1k on retail exclude petrol.... From their website, no?

yes, u need to hit RM1500 to triggle 5% cashback. if below RM1500, u only get 3%

Should be easy.

Now I am thinking whether to apply thru SC's website or Ringgitplus to get a 200 bucks voucher

I prefer welcome gift from SC website. have bad experience with Lazada.

Lazada?

I mentioned RinggitPlus wor?

What did you get from SC?

If it's good, I apply through their webbie only la 

if not mistaken, previously welcome gift from SC website is u can get cash back of RM150.

the RM200 Lazada voucher is good, but the Lazada is not good. I bought item previously from Lazada, sent me wrong item.

Okay nice.

I will apply via SC webbie.

How's the respond rate?

Can find out after 3 working days like Citibank?

erm, apply online and within 3 days SC officer will call u up and ask for more details & documents.

within 1 week can know result and card will send by poslaju.

erm, apply online and within 3 days SC officer will call u up and ask for more details & documents.

within 1 week can know result and card will send by poslaju.