Just sharing my feedback on the JustOne credit card and puzzling policies of StanChart Malaysia. I applied this credit card last year because I was attracted to the petrol cashback. Application was approved no problems with a limit of 6K which I found surprising given my Maybank cards which give me a limit of 40K. After a few months, got a letter saying the limit revised downwards to 4K which is less than the amount I was spending on the card. I heard SCB Malaysia was cutting back because the bank isn't doing well, so I didn't bother to make noise - so just spend on the other cards loh. Then last month,  got someone call from SCB asking me to spend more to qualify for some promotion they are running. So I told him how to spend more when you reduce my credit limit. I told him my monthly take home salary is a few times the credit limit. Even more perplexing is that my salary is banked in SCB each month. So I told him to increase the limit first, then I have no issue spending more on the card. Now just a few minutes ago, I received an SMS from SCB saying they reject the increase in credit limit. Sorry long story, just had to vent.

yup, previously when I first apply Standard Chartered credit card, the bank only give me 4k credit limit saja. then later drop my limit to 3.5k . ( i am like wat the f**k).
few years later ,I apply additional card of Standard Chartered (cash back gold ). Credit limit increase only to 5K.

but credit limit is nothing important for me la. as long as the benefit is good.

Looks like I'm not the only one with this situation. I got the card for the petrol cashback. But not easy to spend rm700 each month on petrol to qualify for 10%.

Which card is the best from SB for cash rebate?

I asked for cancellation and they introduced me CashBank MAstercard

which minimum spending must be

500 @ 2% = RM100
800 @ 3% = RM25 max
1500 @ 5% = RM50 max

Spend 1000 on retail, balance can use for anything else.

Better than Aeon watami actually.

I want this card but as usual, SC don't want to give it to me because I don't have a 1 year record with other banks zzz.

if 1000, you can get 1000@3% = RM25  only

If you want to aim 3%, spend 800+ enough.

If you want to aim 5%, go for 1500. 1000 for retail excluding petrol and insurance, 500 for anything else.

It seems I mis-read... So in order to get 5%, min 1k wiill do (excluding petrol)   

Total of 1,500 spend.

But 1,000 retail. Balance can be petrol of whatever.

oh... then =1500 / 50 = 3% effective CB %

submit latest income documents showing increment on ur payslips?

submit latest income documents showing increment on ur payslips?

Finally my gold card is approved, it take one week to approve, another cash rebate credit card in my wallet, the welcome gift you have to spend RM500 within 60 days to get 24 inch luggage bag, it should not be any problem to me.

Finally my gold card is approved, it take one week to approve, another cash rebate credit card in my wallet, the welcome gift you have to spend RM500 within 60 days to get 24 inch luggage bag, it should not be any problem to me.