You basically got to PM them in the Secure Inbox thing, but don't expect immediate replies

Just AF (this year had to call the emergency line to speak to human for it); SST waiver a bit tougher unless you're willing to sign up for some other product, IIRC

IIRC you have to agree to take up a COC or some other product for them to waive SST. AF usually no issue, but it's been a PITA trying to call in for waiver.

I rather just shut up and pay the SST than to take up their other financial products

Took them long enough to FINALLY have the credit card AF fee waiver option online/app.

Depends. When you applied, did anyone bring up self collection? If no, then it's most probably gonna be by mail drop.

AF - personally, no real issues getting it waived personally (trying to find a human to speak to to waive AF last year was a PITA, but I think now you can do it online or in the app), but ymmv as others have had issues with only getting half off, etc.

SST - no such luck, I think...

Got the email, mine was like RM2000 minimum spend..

Which card do you have? If it's the Smart card, it already has a BNPL-like feature with the 3 month, 0% interest instalment payments for any transactions over RM500 via Flexipay...

I can't speak for the other cards, though.

https://www.sc.com/my/credit-cards/flexiplus/

app or online banking lor

There's a fee waiver thing in the app, under "Help & Services" > Card Management > Credit Card Fee Waiver > Annual fee

After so many working days later, I finally heard back about my AF waiver and they're only gonna give 50% off.

Further in the response, they also included a another reference number (different from the initial one) for AF waiver. Should I just wait and hope? Should I just call?

Dunno, can't use that method at the moment because I have an ongoing FOP with them.. which is the only feature I'm using the Smart card for...

This post has been edited by synical: Sep 26 2024, 12:26 PM

Their Q4 cashback thingy is back... https://www.sc.com/my/cashbackmania/

Got the first half off AF. Called them (again) to ask for full AF waiver. Person on the other side of the call helped me put a request in, gave reference no., etc. Rest of the AF got reversed a couple days ago, and I just saw it in the app today.

Frankly, besides the 3 month, 0% installment feature and the high CL, I dunno if I still want to hang on to this card..

Smart card feature: 3 month, 0% interest installment, but has to be at least RM500 transaction (FlexiPay Plus) - https://av.sc.com/my/edm/scbr10483/index.html

If you really want a card, apply lor.

Just be aware about the service based on others' comments here: unless you're a Priority customer (or whatever the equivalent is, can't remember), you can't just simply call (unless you erm, abuse, the "emergency" line) or live chat with them (can only send secure message on the app). AF and SST waiver also got hurdles.

At the end of the day.. YMMV.

Yeah, they're almost impossible to talk to over the phone or chat these days (unless you're a premier customer or whatever), unless you just thick face pick the emergency option.

I believe you get a different account number for Flexipay that you have to pay to seperately

*whomp whomp*

https://www.sc.com/my/important-information...-card-revision/