yeah, true. gov tax + AF must be waived then we should keep the card.

redeem part is very mafan, quite true and only after 60 days.

what is that better cash back card? pls recommend me i go apply also~

Good .. when i utilize all cashback, then i use ocbc 1% unlimited.. haha..

mbb used to be good cards but i hate maybank =.=

and also i wonder why SCB CC dont have "posting date" and "transaction date" in their online platform?

It's a requirement for bank to charge the GST as it's required by LHDN, it's also up to those bank whether to offer rebate or so-called loyalty cashback of RM50 to recover the RM50 we paid for the GST.

Should the Customer Service reluctant to offer credit of RM50, just tell them that you want to cancel the card (provided you don't to take the risk of card being cancelled), usually they will inform you that another officer from Credit Card Retention Unit will give a callback to process the cancellation. Do make it clear to the Retention Unit agent that you're cancelling the card due to GST and most of the time, they will offer RM50 credit to your card account in order to retain customer.