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Credit Cards Standard Chartered Bank Credit Cards V3, Let's talk about SCB's credit card here

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fly126
post Sep 9 2016, 11:10 AM

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QUOTE(Duckies @ Sep 9 2016, 11:02 AM)
Oh like that I should apply it and swap with all other "ETC" spending I have. 3.4% if reach 2.5k seems good right?

EDIT: 3.4% is calculated from 85 max rebate cap divided by 2500.
*
But, Others Spend jz 0.2% CB only...!
fly126
post Sep 11 2016, 01:23 AM

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user posted image

Give back with little doses of happiness through these deals:
user posted image

Here are more ways you can give your loved ones a treat:
user posted image

Terms and Conditions:
1. Payment must be charged to any credit or debit card issued by Standard Chartered Bank Malaysia Berhad to enjoy the offer.
2. Offers are subject to any applicable tax, unless otherwise stated.
3. Offers are not exchangeable for cash or other items and cannot be used in conjunction with any other discounts, privileges, promotions, discount schemes, loyalty programmes, discount cards or vouchers, unless otherwise stated.
4. Offers are subject to the individual merchant's Terms and Conditions. Please check with the individual merchant for details.
5. Standard Chartered Bank General Terms and Conditions apply.
6.Please click here for the full list of offers and merchants.

https://www.sc.com/my/edm/scb10083-2016-mer...-cake-festival/
fly126
post Sep 11 2016, 12:03 PM

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QUOTE(nitehawk @ Sep 11 2016, 10:13 AM)
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
fly126
post Sep 11 2016, 12:15 PM

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Edited 2X posted.

This post has been edited by fly126: Sep 11 2016, 11:14 PM
fly126
post Sep 14 2016, 05:05 PM

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QUOTE(HenryJay @ Sep 14 2016, 04:11 PM)
btw, sc is going to launced their new just one platinum card with 15% rebate for online spending, utility and petrol(min 2500), sure, got lower spending for lower rebate

going to cancel my vox card since it will converted into yolo card.
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I Aware of this, also...

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

user posted image

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

Spend (RM) per monthRebate on Petrol, eCommerce & Auto billOther spendCapping 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


This post has been edited by fly126: Sep 14 2016, 05:06 PM
fly126
post Sep 15 2016, 04:33 PM

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QUOTE(Wind82 @ Sep 15 2016, 03:57 PM)
Any feed back on this?

Thanks!
*
Called CS before, they said if the CC is Ready they will SMS to inform the Cardholder that, they have sent out the card.
fly126
post Sep 26 2016, 05:16 PM

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QUOTE(mitodna @ Sep 26 2016, 04:30 PM)
Mine took 2 weeks, applied thru bank, how to calculate statement date if know the due date? eg. 29/9/2016?

Want to ask, does Just One Platinum and Just One Platinum Business is same privileges? I wonder if can use the Just One Platinum Business for GSC promo

My experience is that they do send SMS when they sending out the card, which is a good thing, I don't know if Poslaju ever come to my address, a SMS arrived said delivery unsuccessful with a tracking number, which is not that bad
*
Is it This card you applied, btw they got Just One Plat. Business version punya, meh...? As I don't think so, they have... blink.gif hmm.gif confused.gif
user posted image

user posted image

Terms & Conditions:
1. Offers are valid at all GSC NATIONWIDE except GSC Signature from Monday to Sunday except Wednesday.
2. Ticket must be purchased via GSC website or GSC mobile app only. Not valid for ticket purchase made via Box Office.
3. Offers are applicable for NORMAL Adult tickets only.
4. Offers are VALID for Dolby Atmos and 2D movies (surcharge for Dolby Atmos and booking fee for every ticket is to be paid by customer).
5. Not valid for 3D movies, Gold Class, Premiere Class, Twin Seats, Premium Leather Seats, GSC Maxx and D-BOX seats.
6. Advance ticket purchases are not eligible for this promotion. Transaction day must be the same as movie screening day.
7. Each JustOne Platinum Credit Card is only entitled to 2 (TWO) Flat RM7 tickets per card per day.
8. JustOne Platinum Credit Card Flat RM7 is only valid with ticket purchase via Credit Card payment method only.
9. Offers are limited and on a first come first serve basis.
10. GSC & Standard Chartered reserves the right to amend the above terms and conditions without prior notice.

Note: This offer is NOT valid for all Film Festival titles.

http://www.gsc.com.my/html/promotion_detai...&PID=74&NID=492

This post has been edited by fly126: Sep 26 2016, 05:24 PM
fly126
post Sep 27 2016, 11:52 AM

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QUOTE(akh2920 @ Sep 27 2016, 11:41 AM)
Guys, any sc card have zero annual fee? Please recommend me one, thanks!!
*
SCB Gold Mastercard (Basic Card) is Lifetime Fee Waiver.
https://www.sc.com/my/credit-cards/gold-master-card/
fly126
post Sep 28 2016, 09:40 AM

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Edited 2x post

This post has been edited by fly126: Sep 28 2016, 09:42 AM
fly126
post Sep 28 2016, 09:41 AM

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QUOTE(warren11 @ Sep 28 2016, 05:01 AM)
Hi All,

If monthly spending is not consistent (average range from RM500 - RM1500,can only forcefully make it to RM2500 once in a while),which card is better?CashBack Gold or JustOne Platinum?

Thanks
*
SCB CB Gold bcos EZ to Achieve on 50 bucks CB, No Paksa to Spend more...
fly126
post Sep 29 2016, 07:29 AM

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QUOTE(warren11 @ Sep 29 2016, 12:15 AM)
Hi All,

For the Gold CB card,besides insurance and petrol,the cashback is entitle for any other spending?
Use the card to pay ptptn,online purchase can get the cash back?

Thanks
*
Yeah, It should be entitled for CB, Except with Insurance & Petrol Spend

This post has been edited by fly126: Sep 29 2016, 07:31 AM
fly126
post Oct 3 2016, 08:12 PM

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QUOTE(sj0217 @ Oct 3 2016, 06:24 PM)
Anyone has experienced to over swipe the credit limit for SCB credit card ? Can it be done or there has extra charge ??
*
RM53 Over Limit Fee
https://www.sc.com/my/_documents/cards/prod...-disclosure.pdf
fly126
post Oct 13 2016, 03:53 PM

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QUOTE(shuangping @ Oct 13 2016, 02:21 PM)
thanks

scb just plat entitled if pay TENAGA,SYABAS AND MAXIS?
*
Yes but Must Via Auto Debit... nod.gif
SCB Just One Platinum Up to 15% CB on Petrol + eCommerce + (Insurance, Utilities, via Auto Billing) with T&C*
» Click to show Spoiler - click again to hide... «


This post has been edited by fly126: Oct 13 2016, 05:27 PM
fly126
post Oct 13 2016, 05:16 PM

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QUOTE(shuangping @ Oct 13 2016, 05:12 PM)
Thanks notworthy.gif
If less than 2.5k that mean i get nothing?no point no cash back too?
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Got but little bit Only... sweat.gif

SCB Just One Platinum

Spend (RM) per monthRebate on Petrol, eCommerce & Auto billOther spendCapping 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

This post has been edited by fly126: Oct 13 2016, 05:19 PM
fly126
post Oct 14 2016, 01:42 AM

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QUOTE(donhue @ Oct 13 2016, 05:28 PM)
edited my earlier reply..

you need to spend RM 85 / 15% (i.e. RM 567) on those 3 categories, and another RM 1,933 on others to maximize your cash back..

if you spend less, then the effective cash back is less.. e.g. if you spend 1,500, you can get back RM 28, which is a 1.86% cash back, but if you spend 2,499, cash back cap is still RM 28, so you'll get back only 1.12%..

for these kinds of cards, you'll need to target to spend to the minimum of the highest tier in order to max your cash back..
*
QUOTE(edwardccg @ Oct 13 2016, 05:57 PM)
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
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QUOTE(tonytyk @ Oct 13 2016, 06:16 PM)
PBB VS better than Wise. Probably can also consider Stanchart master gold cash rebate better ?
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QUOTE(lilsunflower @ Oct 13 2016, 11:40 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.
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QUOTE(mitodna @ Oct 13 2016, 11:59 PM)
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... thumbup.gif notworthy.gif thumbsup.gif

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... innocent.gif

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This post has been edited by fly126: Oct 14 2016, 01:46 AM
fly126
post Oct 17 2016, 10:32 PM

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QUOTE(snowswc @ Oct 17 2016, 09:36 PM)
e
opps..so sorry..just realised the above post already discussed this. cash back gold card eligible for the cash back, may i know how about the justone platinum?
*
0.2% CB...!

SCB Just One Platinum

Spend (RM) per monthRebate on Petrol, eCommerce & Auto billOther spendCapping 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
fly126
post Oct 17 2016, 10:39 PM

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QUOTE(snowswc @ Oct 17 2016, 10:35 PM)
thanks. does it mean posonline only entitle for 0.2% not the Ecommerce category?
*
If less than Rm1k u will only get CB 0.2%
fly126
post Oct 19 2016, 11:28 PM

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QUOTE(mamamia @ Oct 19 2016, 07:53 PM)
The AF is easy to waive for SCB, I think I can auto debit all my insurnace to this card, at least I get effective cash back as low as 0.8%, up to 3.4%. Otherwise, my current insurance only get 0.6% from HLB essential.
*
Yeah, 2 years AF Waiver for NEW signup & EZ Waiver with jz a Call (even Zero spending they also give AF Waiver to ME)... innocent.gif
It's better than Nothing nod.gif as Most of the CC now jz 0.2 - 0.5% CB Return on Retail Purchase sweat.gif

Btw, U bukan HLB Wise Cardholder, meh why suddenly Jump Ship over to SCB...??? blink.gif blink.gif blink.gif

This post has been edited by fly126: Oct 19 2016, 11:51 PM
fly126
post Oct 23 2016, 11:14 PM

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QUOTE(winnie619 @ Oct 23 2016, 10:55 PM)
I'm still wondering why SCB haven't send me the new Mastercard ...
I tired to call the CS but wait and wait until I gave up ...
*
Same here, They got sent you any SMS, like this....???

RM0.00 StanChart: Your new credit card(s) with enhanced security will be sent to you soon. Pls update your latest address via OnlineBanking or call our hotline.

I called them pun after got this SMS on 27/9, they said I still have to wait but sampai sekarang pun belum dapat...

Btw, what's your card Expiry Date ??? I punya 04/19.

This post has been edited by fly126: Oct 23 2016, 11:35 PM

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