(RM60 * 12) - RM250 AF - RM25 SST = RM445 / RM30,000 = 1.48% pa.
You need to calculate annual profit rate for a more accurate picture as the AF and SST plays a big part at the end of the year.
Therefore I declare SC JOP as one of the lousiest card out there right now after July 2019.

Hi, maybe your case is very similar to fruitie as per her statement below? By the way, may I know if you pay the full outstanding amount, statement amount or pay some random amount every month?
I talked to SC sales team before, and they told me that my record is too clean in SC, so usually I will not receive any preferential service from the bank. I don't know if this would affect the AF waiver decision.
You just applied and already paid the SST, so why don't you just use the card and terminate it closer to your anniversary? Then it won't be wasted.
I don't know if what people telling me are real, that it will affect your credibility if you cancel a credit card too early. They said usually it would be better to terminate only after 6 months after your approval.
Whatever it is, it does not hurt to use the card for another 6 months because you would've already paid whatever you were supposed to pay even if you terminate it early. Please correct me if I'm wrong.

As for the luggage, it took them almost 3 months to deliver it to me (I believe it is due to the campaign period). They did mention that your spending will be monitored for the first 60 days, thus they will only verify your eligibility after the 60 days period.

spend just RM1530 wont get u RM30 cb ehh.. please read back sifu2 posts previously or SC t&c for new cb structure.

this is already based on new cb structure.
will report back once i gotten RM30.

Oh shit

My monthly auto debit for insurance is RM194.95

Can't hit RM200 mark to get max cashback

Wait, it also include petrol spending right?

is already 11 Jun so and the may cashback is yet to be seen.. normally when does it reflect? end of June?

sorry, what is RNG? 
my anniversary month is july, need to try my luck too

why the cashback for this month is so slow? I usually got my cashback 8th or 9th every month

This month I have received LFC 2018/19 LFC kit, RM30 as a welcome gift & RM100 for May cashback. I love this card.

And to make it even better  LFC won the Champions League 

this is only for new customer and is it for 1st time only or forever also 2x CB?

sorry bro, may I know why just 200 autobilling can get 30cb?
15% of 2500 not 375? 

I cannot maintain anything more than 5 cards at any one time. Too much work for too little returns. I could only maintain 3-4 active cards and maximise their full potential. Plus I don't have that much spending to go around more than 4 cards

TongCN, I don't do auto-billing for my insurance. I opted to pay lump sum as it saves me a lot more than paying on a monthly basis.
Other than that I spend averagely about RM3k on online spending per month. And now this online spending portion has to be distributed among my other online CB cards (AmBank TRUE, UOB YOLO and PB QM). I could even distribute the spending amount into these 3 cards to maximise the total CB, instead of lumping RM2300 into JOP just for the RM30 online CB.

HelloFuture, I'm afraid that they would only waive if you hit the RM20k spending condition upon request

would like to know too for PA which require to fill up form and return when pays by credit card, does it consider DDA (auto debit) since it is charged as card-not-present method but it is charging annually

Finally, received my cards.

Just to confirm CB is based on calendar or statement date?