i got this sms as well today, but don't have card yet, how to use?

Anyone has SC gold cash back master CC? Seems very attractive, plan to apply one. Want to comfirm is SC CC has lots of benefits and promotions?

Lousy CC with a Lousy Cash Back System but With MOST Dinning Privileges if Compare to Others...
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

This post has been edited by fly126: Nov 15 2014, 02:03 AM

Call in to cancel my 2 card (1 mastercard and 1 visa platinum) as GST charged to me. They say only can cancel one card and need to remain another card to waive both GST and AF charge. Feel weird.

Just waive GST and AF, no more free cash to retain me like last time. >.<

just found out this bank really hunger for new customer.
I have high debt ratio, at least 2/3 of salary go to housing loan,bt,
but they still approved my credit card application.

Bank like high debt but good payment customer. That's mean they can earn more interest from you.

agreed with dining priviliages. others suck to the max. Planned to cancel my card at the end of this month

Care to share you spend behaviour? Seems rather odd that you make a blanket statement. Seems like a flame to me.

Judging from the table, it's quite easy to qualify for the 2% cashback for me. I easily spend RM500 on groceries monthly - buy baby milks also almost there already . If i add my dining bills, easily can reach the 3% cashback. Have to make sure wife is happy.

The one thing i find scb is good for is the online banking. I can pay ALL my bills - astro, maxis, unifi, tnb, indah water, syabas online from my credit card. So if i add those bills up, i should be able to reach the 5% cashback level quite easily. No other bank I use is easier to do this. Some bank half allow to pay by card then some other biller must be from savings. Some others dont have the option to pay all biller online. I mean this is already 2014, who the hell pays bill at the shop!!! Haiyo, think of hong leong online bank oso wanna choke somebody!

All in all, I should be able to get the RM600 cashback per annum. Which is not too bad considering i dont have to make min times swipe, or shop only at certain places.

But i'm an old man with family so spend habit is quite different from youngster. Although i know some ppl can spend RM1,500 in club one night buying bottle!

If you can qualify, try go for the worldmiles as the 30k AirAsia big points is worth almost rm2k (if you take the deals offered by scb/airasia). I shared before in earlier post.

last month my worldmiles card also got cashback for some spending.

Last month hopefully qualify for the RM200 if i am the first 300 to spend RM5k. I pay for company flight and hotel earlier this month. So fingers crossed.


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You should get hlb wise looking from your spending. Get 10% for TNB, groceries and phone.

Online banking for bill payment also entitled for cash back?

i've called in to cancel my cards

Based on the TnC. Everything counts except insurance payments and petrol.

"cashback transactions means all retail purchases (local and international) but excludes all types of transactions made at petrol stations or petrol kiosks including purchases of petrol, and any type of insurance payments."

tnc gold

I cancelled my wise card this year after holding it for 1 year++. I agree with you that the cashback 10% is good with possibility to save up to rm1200 per year.

BUT, it's not so easy FOR ME to reach the full cashback every month due to a couple of reasons:-
- must have 10x rm50 swipe so always have to keep track of transaction count, split my grocery bills just to meet the 10x swipe. Go shopping almost one hour, then wait in line for anothert 15-20mins at Jusco, then have to split the bill. Sometimes see a lot of black face behind me when i split the bill 2-3 transaction.
- not all groceries got 10% cashback, if you see my transaction, if possible i try to stay away from jusco, giant and etc because really packed on weekend. So I like BIG grocer in publika and hero market in ttdi. No parking problem and got plastic bag on saturday with no extra charge. Go one utama on weekend is asking for suicide to me. lolol....
- Must also take note of your due date because the 10x must happen from the time payment cycle happen and not within calender month. So once payment for month made on due date, that is day 1 of the when they start counting the 10x swipe.
- not all bill payment can be done online pay from credit card - i cant quite remember if TM, syabas, astro and etc can be paid via online banking. With scb, i just go to one website, select all my biller and pay straight. Every month pay bill take me like 5 mins. Can download the estatement and file for safe keeping.
- i have to register to direct debit to credit card at maxis to enable payment via credit card.


So to me, the best card must be the one that is easiest to achieve based on your preference. So i reserve my comment to my preference and not for all ppl here.

You may easily split your tnb Bill to rm50x7 = rm350, then maxis rm100x4= rm400 using uobpayonline. Already 11 transaction done with only 2 of your bill. And it's just took me extra 5min to split into multiple bill payment using uobpayonline.

Well it's good move also to cancel before next AF charge by wise. Just apply again later.

This post has been edited by onnying88: Nov 25 2014, 12:49 PM

the 10% CB is nice to have, but didnt know there are so much hassle in it.
Will stick to my trusty MBB2 Amex at the meantime.

Discuss la SCB card... goto WISE card thread to discuss on WISE card....

Applied online via ringgitplus.com for Cash Back Gold Master, today the envelop arrive and it's not Gold Cash Back, it's Just One Platinum instead. Higher AF

Can simply switch like that one meh?

walao.... somebody play you.