if this is 2nd highest, what is the highest CB for insurance?

This reply will be slightly off topic from this thread.

This is according to my knowledge and analysis and it really depends on (a) whether the insurance can be pay online (b) the amount of the insurance:-

1) For insurance that you can pay online like AIA, Prudential, AXA etc:-

- With each amount of up till RM1k, it would be Public Bank Visa Signature. As for each insurance payment that you pay with difference PBVS, you get RM50 each. Below RM833.33 would be best as you get the maximum cash back of 6%. -> Hence the highest CB for insurance

- Alternatively, if you still have Wise card, use the RM1k for eligible categories and utilise the remaining RM1k for insurance payment monthly to enjoy the max CB of RM100. Hence insurance CB is about 4.29%, still higher than Standard Chartered Just One Platinum. -> Wise can be the 3rd highest highest CB for insurance if the amount is RM1k monthly.

- If the insurance amount is RM2k, you can still charge to Public Bank to get RM50 (only ~2.5% CB) but you can convert it to 9 months 0% installment.

- But if the amount is RM2.5k, might as well use Standard Chartered Just One Platinum where you get RM85 (~3.4%) instead of RM50 with PBVS only even though you still can convert it to 9 months 0% installment. -> This would be the 4th highest CB for insurance for this category.


2) For insurance that cannot pay online like GE, it depends on the amount and the number of PBVS you hold.

- If the insurance is RM2k, charge it to Aeon cc then use PBVS to pay Aeon CC. You would need roughly 3 PBVS to cover this payment and the CB is ~4.41% (4.04% from PBVS payment to Aeon cc + 0.4% from Aeon (RM2 = 1 Aeon point)). -> This combo is the 2nd highest CB for insurance.

- If the insurance is RM6k, you can imagine how many PBVS card you need to cover these payment.


The reason why I said this Just One is the 2nd highest is because of (1) Combo of Aeon and PBVS is not ideal with those high insurance payment, like few thousand and above 2) Wise is only good if the insurance is RM1k MONTHLY or for that one month.

Conclusion: Still very much depends on whether the insurance can be pay online and the amount of the insurance. All these are until PBVS stop having this superb feature. Cheers~

This post has been edited by ytan053: Nov 1 2016, 03:14 PM

Nice comprehensive reply - I'm sure many will appreciate even though slightly off topic.

I use lazy method of everything charge to AEON CC, then pay using PBB VS + CIMB CR (using principals and supps, if they got spare quota) and as a last resort, SCB Gold Cashback. Even though my insurance premiums are really high, all my online cards can cover.

Yes, me too. Just switched my insurance auto-debit to AEON card. Really lazy to juggle between so many cards.

This post has been edited by fruitie: Nov 1 2016, 03:23 PM

RM0.00 StanChart: Stand to win more than RM10k from now till 28/2/17 by spending RM50 on any retail transaction. Reply Q4 to register. T&C: on.sc.com/yecb-my

Anyone knows the conversion of SC points to Enrich? Do the points expire? Thanks a bunch!

u can refer to standard chartered online reward page

i got this SMS too.
Just registered =)
I remembered there's a 18.88% dining rebates, but how come I get nothing on this?

are direct debit transactions entitled for the cash back?

for which cc?

The 18.88% dining campaign actually already ended on end Aug.
I've received all the CB from 1st to 3rd round.
The last 3rd round CB was credited on Oct.
Do you check the tnc?
If I remember correctly, there is spend criteria of RM500 and the CB is based on FCFS basis.

for the Cash Back Master Card

As long as not Petrol and Insurance transactions then yes.

>world master first year free annual free?

I Don't think so pls check on Pg. 3...

Fees and charges
You must pay the annual Miles Membership Fee of RM636 (inclusive of 6% GST) for principal cardholders, which will take effect from March 2017.
The annual Membership fee will be waived if you spend at least RM100,000 per annum on the WorldMiles Card in the previous year.
All supplementary cards are free.

https://www.sc.com/global/av/my-worldmiles-...rms-jun2016.pdf

OMG, round 3 dining campaign cash back already credited in?

I got round 1 and round 2, but not round 3!

Anyone else got it already?

I got mine. RM48.

Noted! That is really minimal, not worth to spend on this card then.

going to cancel it soon

can we ask from cs our security codes? 3 digit number..need to use the card today.. card haven't received

i got the card number...