Overseas are entitled as well, got cash back for my Uber rides in India.

Hi , Just curios does SCB offer 0% installment ? Checked SCB website it offer 7.8% annual .

Guys, I applied the platinum one card 2 months ago. I have 2 issues here.

1) Was promised by dealer that i would get RM150 rebate upon signing up the card
Received sms that the RM150 rebate had been credited to my account.
Logged into my account and cant redeem it as it does not appear on the cashback page.

2) Monthly cashback does not appear on my statement. Although my expenses was less than 1k, there
should be some cashback too right? I used my card for online purchases and petrol, but no cashback on those reflected on my statement.

This post has been edited by Omega Z: Aug 7 2017, 01:44 PM

Why is it so hard to get a standard chartered cc?

First timer wants to get a CC, no loans, RM4.2k monthly and six figures in deposits, but still cant get standard chartered credit card.

Perhaps too fresh and too clean record on your CCRIS, try to get from local bank first or the bank your salary credited monthly.
My 1st cc was UOB, maybe you can try too. (without saving with them too)

1. No need login to redeem. The 150 cash back automatically offset ur outstanding balance. Please do check your unbill transaction history there.
2. When your purchase? Will only appear after 1 month. Eg : Jul spending, will be credited end of Aug.

This post has been edited by SzeMeng76: Aug 8 2017, 02:48 PM

It's normal for banks to reject your application if you don't have any credit history. Credit card is an unsecured debt, so giving it to someone with no credit history is quite risky.
As suggested before, you might want to try applying CC from the bank where your salary is credited.
If still no luck, you can apply for a secured credit card by pledging FD, since you have six figures of savings.

yea typically first card get some bank where all your money is in... LOL

Yes, i got cashback for my rides in Thailand and Taiwan last month too...

Received notification that card is approved, I'm getting the feeling that I'll also be getting 5k credit limit since HSBC just gave me relatively low limit as well.

Maybe won't be so unlucky like me.


I mentioned earlier that I forgot to pay on due date and got charged with RM 10 financial charges. Then on top of that I still spent a lot after my due date, today got statement and was charged with RM 20.05 interest.

Called SCB can only try to waive RM 10 financial charges but not interest. Lesson learnt for forgetting to set alert for payment. Luckily got RM 110 cash back (RM 50 monthly cash back + RM 60 Uber cash back) makes me feel better but still...

different people prefer different methods on bill payment reminders (set calendar recurrence, use personal finance app, excel tracking, rely on autopay (non CC) etc.)

I personally use excel tracking for all my payable bills and arrange by date sequence....

I use Outlook calendar but somehow I was too busy with projects and forgot to set for last month.
Maybe I should do a re-occurrence calendar for all my cards.

Received my card, 5k limit as expected.

Gonna be using this card for uber rides in Thailand. Already made transaction of more than rm1500 on 6/8 on my scb gold cashback card.

really think nowadays all standard 5k no matter how much income.

Looks like new approvals will have this kind of limit.

Yes, use it. 20% is nice to have.

Do I have to notify them that I want to use my card here in Thailand? Do i need to call them? I had to inform HL for my essential visa card.

you may try use excel
i use excel to track current and future 2 months
and everytime after statement date
i set future payment via online banking to 1 day before due date
in case it did not execute

Yes, I just informed yesterday. Thru LIVE Chat.
I also going thailand. Hehe

I did.

Future payment is not feasible for me because I leave very little money in bank account. I only withdraw my eGia-i fund when I need it.