Hi sis fruitie need your wisdom, is it better to get SCB cashback gold? as it's for all transaction except insurance and petrol so will be easier to hit 1.5k spending to get rm50

SCB CashBack Gold : CashBack is calculated based on all transactions except insurance and transactions made at petrol station/kiosk.
Annual Fee
RM185.5 per annum (Principal)
RM106 per annum (Supplementary)
1st year annual fee waiver
Effective 1 August 2018, subsequent years will be waived upon minimum spend of RM20,000 per year* per card.
Annual fee inclusive of 6% GST

so all transaction eligible except insurance and petrol
Spend 1500 get effective 3.33% = rm50 cap

SCB JustOne Plat : Auto Bill Payments,Online Purchases & Petrol
Annual Fee
You must pay annual fee of RM265 (inclusive of 6% GST) for principal cardholders.
Effective1st August 2018, your annual fee will be waived if you made retail purchases of at least
RM20,000 per annum on JustOne Platinum principal credit card.
No annual fee will be charged on supplementary cards.

So all online transaction eligible for cashback except government MCC & charities MCC
spend 2500 get effective 3.4% = rm85 cap

Yes. JustOne is only relevant if you have a lot of online purchases. Useful for airline transactions, for e.g.

SCB cashbackgold also eligible for online tranx right?

Yes, it does.

thanks fruitie, i'll apply online for cashback gold then.
coz justone spend to hit 2.5k spending is harder as i have other cards to maximise

But make sure you spend at least RM 50 for cash back.

so 1 tranx min rm50... cunning scb
thanks fruitie

But make sure you spend at least RM 500 for cash back.

I have been using SCB gold card without knowing this.

Sorry. Typo. I meant RM 500, missing one zero.

eh cumulative spending must be minimum 500 right?
not 1 tranx min 500 right?

Yes. Cumulative.

Luckily you spent enough all this while.
https://www.sc.com/my/credit-cards/goldcard/gold-card.html

1st time got it. God. For so many times I flash my phone screen. Lol

Hi All,

I would like to ask to qualify for SCB CB Gold 5% and get the max RM50 cash back,do I need to spend till RM1500 OR RM1000 is enough?
I am a bit confuse on the table.

Thanks

Must spend until RM 1500, but the RM 500 can be petrol & insurance. so The RM 1000 can get full of 5%.