Thanks for this important info. I always thought wait until it chargcd 1st then only request for waiver.

They won't entertain waiver when annual fee is not charged.

based on past experience with SCB, it is very easy to waive annual fees

What insurance companies fall under MCC: 5960, 5968, 6300?

For all online transactions made with “Transaction Mode = M, D, S and U". What does M, D, S and U means?

I think Most of the Insurance Co. will under Insurance MCC

*These are the transaction categories that would be define as eCommerce spend if they fulfil either one of the criteria...

a. Merchant (card acceptor) city is indicated as eCommerce (Merchant City = eCommerce)

b. Electronic order though e-commerce / online ( POS Entry Mode = E-Commerce AND Card Holder Presence = Electronic Order)

c. Cards details are manually entered /not swiped AND transaction order is executed through secure code authorization (Pos Entry Mode = Manual Entry AND eCommerce indicator = Ecommerce)

d. Card details are manually entered / not swiped AND transaction is a standing order /recurring transaction ( POS Entry Mode = Manual Entry AND Card Holder = Standing Order / Recurring Transaction AND Pos Terminal Location = No Terminal Used)

e. Bill Payment through Standard Chartered Internet Banking

https://www.sc.com/global/av/my-jop-website...ment-300816.pdf
.... Extract from SCB JustOne Plat. Reversion

This post has been edited by fly126: Sep 11 2016, 11:13 PM

I tried several cards they also entertain wor. Only one case for citibank cashback they insisted that they cannot waive it so I cancelled the card one month before the annual fee due. Depends on your usage it might be worth it to pay the annual fee and keep the card though, but not for my case.

What I meant is they won't entertain waiver on annual fee before it is charged. They will waive only after it is charged, contrary to what was advised to get waiver before it is charged

Edited 2X posted.

This post has been edited by fly126: Sep 11 2016, 11:14 PM

Nope, they will tell you that they have waived it for another year, so the annual fee does not get charged to your card at all. So the advice stands. Probably depend on card and bank also though.

This post has been edited by iori57: Sep 11 2016, 02:58 PM

I agree with u. Depends on card and bank.

as far as i concern, scb able to waived before AF is actually charged on ur statement

Decided to use the MasterCard gold cb. Now have to make first transaction and1k accumulated spending.

Depends on Stanchart customer service personnel, I suppose. The Stanchart personnel responded that they can't waive annual fee in advance as per mail attached. Can share what they have advised you?


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Good to know. Probably Stanchart policy. I cancelled my first SCB credit card after 6 months as that time got 15% petrol rebate promotion that lasts only 6 months. Just applied SCB cashback this February so haven't tried to call for annual fee waiver yet. So far confirmed ones that can have waiver in advance is Citibank and RHB, other cards I have automatically waives after x amount of transactions or free for life so no need to call.

Actually this advance waiver method was taught by my friend, he has around 10 cards also and he always do this.

Would be glad if you can share how you got the waiver in advance by Scb before annual fee of is charged?

Received 18.88% dining cashback (Round2) for July dining!

13/09/2016 30 CashBack Dining Camp Rd2

This post has been edited by rdevil33: Sep 14 2016, 09:59 AM

Awesome! I received it too. Last fulfilled dining transaction was on 7 July.

When is your transaction?

Meet RM500 requirement by 02Jul.
Dining spent from 04 to 07Jul. All got CB!

When is aug cash back released?