Hmm I tot the cashback for online is cap at 30 with 15% wouldnt that mean can spend only 200 on online and the 2300 on others ?

dunno wo...i use this way and can get 60CB

Won't matter as long as you did hit min spending requirement of RM 2500 in any combination in the diagram:



His spending is:

RM 2300 for online -> RM 30 cash back
RM 200 for petrol -> RM 30 cash back.

Total: RM 60 cash back per month

If Spend RM2125 on others (0.2%), not online/Govt/Charity,
Can just spend RM375 on 15% items (online max RM200). No need to spend RM400.

This post has been edited by ClarenceT: Sep 29 2020, 07:41 AM

Got it thanks.

Is the rm2.5k min spending based on posting date or transaction date?

If I spend rm100 on petrol today, will it still be captured as part of the rm2.5k spending, and entitled to 15% cashback?

read t&c?

// 2.4 Transactions must be posted within the first week of
the following month to be eligible for meeting the
minimum spend stated in Clause 1 above. Please
note that transactions may be posted late by the
merchant. We will not be held responsible for late
posting. //

I read but is vague. Want to know from personal experience of peopke here. Cause i hit rm2.5k already but petrol category is less than rm100. Now car is close to full tank maybe can pump tomorrow if eligible for cb

New to card.

generally, try not to cross-month lo

not sure if anyone have reported their txn posting is cross-month and eligible for cb...

If pump today or tomorrow, still September cashback if the transaction is posted on 1/10 or 2/10.
I plan to pump (Setel CardTerus) tomorrow as well, as Setel offer 5% (capped at RM2) bonus.

just wondering if i redeem cashback after AF / SST kick in then request to cancel the card and transfer the negative balance to my SC saving account, does it consider make a purchase causing its mandatory to pay AF /SST?

Any1 have exp on this?

This post has been edited by hakkai0810: Sep 29 2020, 01:46 PM

just ask them to cancel and calculate the pro rated AF/SST charges
after cancellation they won't do it anyway

For the JOP cashback criteria, it follows calendar month right, not statement cycle right? Meaning from 1-Sep-2020 to 30-Sep-2020.

For instance this month total spending is 2000:

Online 1100
Fuel 10
Retail 990

Then the total cashback will be 32.98

Online 1100 x 10% = 110 (capped at 30)
Fuel 10 x 10% = 1
Retail 990 x 0.2% = 1.98

Correct me if i'm wrong.

Too bad my car full tank ald....cannot pump for petrol anymore.

Since total month spending is below 2500, your cash back is capped at RM 28.

hi senior, this is purely for discussions, say M2C rewards RM50 CB with RM1k spends, which translates to 5%

with JOP, we will only getting RM60 with RM2.5k spends, do correct me if I'm wrong IINM, it around 2.4%, won't DUO will be a better bet, which easier to manage?

M2C AMEX acceptance is deteriorating and limited to weekends only.

updated Liverpool FC Cashback Jersey redemption T&C >> https://av.sc.com/my/content/docs/my-jersey...on-campaign.pdf

6a) You will be entitled to redeem an official 19/20 Liverpool Football Club (LFC) Home jersey when you pay annual fee.

6b) Redemption of the jersey will be via a unique promo code, to be redeemable in selected Standard Chartered Bank Malaysia branches set out in Table A below.

Depend on how you use the CC,
Eg spend RM2100 on Govt, RM200 on Online, RM200 on Petrol / Auto Debit.
JOP : RM60
Affin: RM12
M2 Amex (weekend): RM20

In the past 1 year, I managed to earn+save >RM1000 (JOP) from monthly rebate, Grabpay vouchers, Boost credit, Campaign CB, Lazada Wallet MasterCard Tuesday & campaign, Special discounts at Lazada and Shopee, lot of fun but with lot of irritating calls.

Affin CCs are very boring, hardly earn extra bonus.

It depends on your monthly CC usage. Assuming your spending meets the criteria (for discussion sake, make it easier)
If your spending is <600+/- , then get PBB QM/M2C Amex
If ~1k then M2C Amex
If ~2k then SC LFC
If ~2.5-2.7k then SC JOP or Affin Duo Visa
If more than that, then combo two or more cards above to get as much cashback as possible.

The point is try to get the 5-6% first, then 3%, 2.4%, 1% FCB, and so on.

Your spending pattern and my spending pattern is different. So some would prefer JOP or Liverpool, some may not.

I personally cant consistently achieve on the minimum spend on liverpool, so i keep the card but plan accordingly on what i want to spend on. It is troublesome for me so i may cancel it eventually but many active friends here can make good use out of it.