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
QUOTE(tonytyk @ Oct 13 2016, 06:16 PM)
PBB VS better than Wise. Probably can also consider Stanchart master gold cash rebate better ?
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.
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...
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