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

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

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

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

different customer service personnel different answers

if you believe in what they said, why asked me back?

by asking me back hence you don't believe in my statement, then kindly ignore.

and of course, that's my experience past few years back. and i believe most of the banks will grant you for AF if you are qualified.

If you are not qualified they will give tonnes of reasons, of course

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