sorry got few question here.

I already accumulate around RM600 cb in my account. Can I use all in one shot?

Any tnc applied to redeem in cash? (mean minus my credit card spending)

How long the effective?

*never redeem any before, don't think to exchange with gifts become seems not worth

Doesn't have any expiry date and you can redeem as cash back. You can redeem in 1 shot and no minimum amount.

Any agent with nice gift to recommend for this SCB card?   

There is an ongoing sign up offer of RM 300 cash.

sorry got few question here.

I already accumulate around RM600 cb in my account. Can I use all in one shot?

Any tnc applied to redeem in cash? (mean minus my credit card spending)

How long the effective?

*never redeem any before, don't think to exchange with gifts because seems not worth

Anyone here uses CashBack Gold?

How does the Cash Back work?
Is it a tier cash back or it jump the the next category and apply % on entire retail amount?

For example:
If my retail spent is RM1300, do I get
(a) RM25 or
(b) RM10 + RM24 = RM35

If you spend RM 1300, you will only get 3% on non Insurance or Petrol retail spend, subject to a cap of RM 25.

So if the RM 1300 is not on Insurance or Petrol, then you will only get RM 25 (cap), which is only an effective cashback of 1.9%.

The way to maximize the cash back % is by spending exactly RM 500, RM 833 or RM 1500. That way, you will get either 2%, 3% or 3.33% effective cash back.

For the spend 833, how much of it needs to be retail transactions, as I know we need to spend 1000 out of the 1500 total spend to get rm50 rebate

Actually that is a good question. For RM833 spend, it has to be all eligible transactions in order to maximize 3% rebate. Say if you spend RM800 on eligible tranx and RM33 on non-eligible tranx, you only get RM24, so RM833 all is only for eligible tranx.

The same goes for 2%.

Revision on your Standard Chartered JustOne Platinum MasterCard Credit Card wef 20 September 2016



Now with Better Cashback Benefits, you will get up to 15% CashBack on Auto Bill Payments, eCommerce and Petrol. (except
government & charities )

Spend (RM) per month	Rebate on Petrol, eCommerce & Auto bill	Other spend	Capping per month (RM)
1,000 to 1,499.99	5%	0.2%	12
1,500 to 2,499.99	10%	0.2%	28
Above 2,500	15%	0.2%	85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing:
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend:  For all online transactions made with “Transaction Mode = M, D, S and U”

* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via http://www.sc.com/my.

https://www.sc.com/global/av/my-jop-website...ment-300816.pdf

I see that insurance can be counted for cash back. Isn't this one of the best cash back cards for insurance if I can trigger the cash back?

Eg if insurance RM2000 + utilities RM500, get back 15% (but capped at RM50), it is still equivalent of a 2% cash back (50/2500x100%). What other cards can give 2% back for insurance?

Did i interpret this correctly?

Many users reported that SC annual fee can be waived easily by calling. How bout supplementary card annual fee? Is it easily waived too?

CS gave wrong info and clarified that supp card no AF.

depends on which SC cards, some supp cards dont have AF

read https://www.sc.com/my/_documents/cards/prod...-disclosure.pdf

Thank you! I could not find any information on AF on SC card on their website, rupa-rupanya they put it in product disclosure.

Similar to what I thought, this would emerge as the BEST insurance CC for now. Unless the insurance is charged to Aeon/ Aeon Big cc and paid with high cash back for online payment like PBVS/CIMB.

Let say spending of RM2,000 on insurance and RM500 on either petrol or eCommerce, I would still get RM85 cash back which is 3.4% equivalent. I take it as 3.4% cb for my insurance in this case. Used to have Aeon to give 3.4% cash back equivalent for insurance, but now it seems that this is an excellent card for insurance, provided can hit RM2,500 combination of the eligible cash back spending monthly.