QUOTE(WhitE LighteR @ Mar 23 2016, 07:34 PM)
To maximize just spend 1.5k and u will be eligible for the 5%
1.5k * 5% = 75 (RM50 cap)
so the effective rate is 50/1500 = 3.33%
P/S : I not sure why so many people is confused with the calculation.

Maybe they confuse when see "Minimum Retail Spend Excluding Petrol & Insurance(RM)"
This part is misleading
thank you bro, now I got it
just spend RM1.5k only but need to ask to waive the annual fee every year
https://www.sc.com/my/credit-cards/goldcard...-and-Condit.pdf5) Cashback We give you cashback in the following situations:
(a) 2% cashback on your cashback transactions when you spend a minimum of RM500 but less than RM800 per month in retail purchases (local and international) on your CashBack Gold MasterCard as shown in your credit card statement, subject to a cap of RM10 per month;
(b) 3% cashback on your cashback transactions when you spend a minimum of RM800 but less than RM1500 per month in retail purchases (local and international) on your CashBack Gold MasterCard as shown in your credit card statement, subject to a cap of RM 25 per month
© 5% cashback on your cashback transactions when you spend a minimum of RM1500 or more per month in retail purchases (local and international) on your
CashBack Gold MasterCard as shown in your credit card statement, subject to a cap of RM 50 per month