if you're nitpicking on the 0.2% on the remaining spend, the most accurate way to maximize cash back would be:

Petrol / Online / Auto-Bill = RM 540.60 (Cash back 15% = RM 81.09)
Dan lain-lain = RM 1959.40 (Cash back 0.2% = RM 3.91)
Total spend = RM 2500, Cash back = RM 85..

counting in the 0.2% is too complicated.

in summary to maximize the just one plat cash back

Spend 12 / 0.05 = RM240 in Petrol, eCommerce & Auto bill, spend 760+ in others for 1.2% ~ 0.8%

Spend 28 / 0.1 = RM280 in Petrol, eCommerce & Auto bill, spend 1220+ in others for 1.86% ~ 1.12%

spend 85/0.15 = RM567 in Petrol, eCommerce & Auto bill, spend 1933+ in others for 3.4% ~ 0%

1,000 to 1,499.99 -> 12/1000 ~ 12/1499.99 = 1.2% ~ 0.8%
1,500 to 2,499.99 -> 28/1500 ~ 28/2499.99 = 1.86% ~ 1.12%
Above 2,500 -> 85/2500 ~ 85/∞ = 3.4% ~ 0%


HLB Wise seems to have better effective rate but no rebate if spend rm2000 lower, just one plat got rebate even spend below RM2500

PBB VS better than Wise. Probably can also consider Stanchart master gold cash rebate better ?

This post has been edited by tonytyk: Oct 13 2016, 07:29 PM

You can pay PTPTN online with credit card now (I think).


http://www.jompay.com.my/biller-codes.aspx

http://www.themalaysiantimes.com.my/ptptn-...-ccris-records/

This post has been edited by yw46: Oct 13 2016, 11:06 PM

Yeh, the Gold CR suits my needs better and far more straightforward. CS kept pushing me to apply for Just One (probably higher commission) but I insisted on Gold CR.

Btw, thanks for to posters who went through detailed calculations on Just One. Very useful.

I applied the just one platinum as well thru online chat and following phone call from SCB, not sure if will get approval, confirmed with CS first year waived, but no sign up bonus

Thanks for the Detailed Calculation Appreciate Much...

I got Both SCB CB Gold & Just One Plat. NOT a Big Spender, last Year Zero Utilized on Jz One Plat. but they still give Me AF Waivers on both Cards. Now the Only use of My Just One Plat.'s...



This post has been edited by fly126: Oct 14 2016, 01:46 AM

Hi All,

1)May I ask if spend total RM2500 on purchasing air ticket online and Agoda can entitle for the full RM85 CB?
2)If can't spend RM2500 monthly,but once in a while will have "others" spending around RM1933,anyway to deal with the auto bill debit part?

Thanks

Thanks..Look like so hard to max that cash back

ya.. 2.5k spend just to get 3.4% cash back of RM 85..

for me, SCB Gold is much easier.. 1.5k spend to get 3.3% cash back of RM 50..

Has anyone applied for and received the SCB cards recently?

They called me on Monday to say that mine has already been approved. However, it's now Friday and nothing has arrived. Do they normally send via Pos Laju or normal post?

Received SMS on Monday that my SCB Cards are on the way. Called CS yesterday and was told that the cards are sent out by courier service. Till now still no sign of the cards.

their cashback really take very long to credit into the account

Did you check the reward section? You have to redeem the cash back yourself. Once redeemed it will take 1 working day to be posted in your unbilled transaction.

This post has been edited by kelvinlzy: Oct 14 2016, 11:43 AM

Yup,i mostly spend on dining,shopping and utilities like maxis,streaymx only


normally they send by normal post

3 cards of mine sent via poslaju

first card of mine send via poslaju, good thing is that they gave the reference number via SMS, PosLaju didn't even bother to go to my address I think, I have to collect it nearby

Better call up to enquire with the tracking number.. Many delivery failure cases at SCB now

big big customer

Pos laju just drop to my mail box without anyone sign