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To confirm your latest annual income >RM24k or >RM36k, BNM may audit.

Don't spend on BP loh. Chance quite good to get RM5 for every spend of RM100.
For JOP, you can spend RM1933 on something else and RM567 on Bigpay to get RM85 CB.

MCC 6051, if I am not mistaken.

None.

This post has been edited by ClarenceT: Nov 11 2018, 09:01 AM

Boost up to RM1933 only as it is not online transaction so no 15% rebate.
Both BP and Boost excluded from the spinning the wheel game. So if you are eyeing to win extra CB, spend somewhere else (RM1933). + RM567 on Bigpay to achieve RM2500 monthly spend and 15% rebate on BP

If cybersource, + cross border fee! Ipay88-Shopee was deactivated yesterday afternoon.

Read T&C before playing the game...

https://av.sc.com/my/content/docs/LFC-usage-campaign.pdf

Boost e-wallet: MCC 5968
Bigpay: MCC 6012

Every RM100 for the Grand prizes.
Minimum RM100 for 1 spin only per day, if I am not mistaken.

"Shopee Malaysia SINGAPORE SG"
If Ipay88, IPAY88-SHOPEE in your SMS.

Bigpay - MCC 6012.

So I try not to spend on Bigpay, Boost, petrol, electricity, insurance.

Don't worry, you will automatically get one after you pay the annual fee after Nov 2019

Don't waste, free cash every month.
Just spend RM566 on Bigpay/Petrol and RM1934 on something else including Bigpay or Boost; If you want more cashback, spend on the areas that you will be given a chance to spin to win RM0/RM5/RM10/RM15/RM20/RM25/RM50/RM75/RM99 (mostly RM5, 1256 winners per day) till 28/2/19.
So your return is RM85 (monthly CB) + spin CB (estimate RM5x19 = RM95 in a month).
But you will get the spin CB in April 2019, not now or in the following month. You need to spend 15 sen to register for participation.

SC will send you a SMS a few hours after you perform a >RM100 transaction. Click on the the link and play in Google Chrome, internet is required.

Online - those transactions you get an OTP.
You just need to spend RM566 on online/petrol (15% CB). +RM1934 on online or offline (mostly 0.2%).
You don't need to charge RM2500 on online items to get RM85 CB.

I don't have TnG e-wallet and nobody reported yet.

Most likely exclude the MCC for Government transactions and Charity only.
Online shopping, bigpay top-up are accepted.
But for the spin game (till 28/2/19), a lot of MCC (utilities, bigpay, insurance, government) are not accepted (to win additional CB beyond the monthly CB of RM85)

1. You are entitled for 5x Rewards Points in the manner set out below.
(a) Five (5) Rewards Points for every RM1.00 of Retail Purchase payment made in Ringgit Malaysia at selected dining
merchants with registered Merchant Category Code (MCC) of 5812 or 5813 or 5814
(b) Five (5) Rewards Points for every RM1.00 of Retail Purchase payment made in Ringgit Malaysia at selected
departmental stores with registered Merchant Category Code (MCC) of 5311
© Five (5) Rewards Points for every RM1.00 of Retail Purchase payment made in foreign currency after conversion
into Ringgit Malaysia.

https://av.sc.com/my/content/docs/my-tc-final-vpr.pdf

https://forum.lowyat.net/topic/3711577


This post has been edited by ClarenceT: Dec 5 2018, 08:11 AM

You don't need to spend RM2500 on Petrol or Online, you can spend RM566 (x15%) on Petrol or Online (including Bigpay) and RM1934 on Boost/Online/BP in a calendar month (transaction dates, regardless of posting dates) to get RM85 monthly CB.

You better get it fast, if you can get the card by 31/12/18, you still can get RM85 CB for Dec 2018, the CB will be available in mid-January 2019.

P/S: Be careful of Cross Border Fee (eg Shopee Malaysia SG but transaction in RM) if you use SCB CC.

In fact I get more than RM85 CB for Nov due to the spin-to-win game (till 28/2/19).

This post has been edited by ClarenceT: Dec 6 2018, 03:16 PM

https://ringgitplus.com/en/credit-card/Standard-Chartered/
or
https://www.sc.com/my/credit-cards/justone-...num-mastercard/

I applied directly at SC online and am waiting for RM100/150 credit (Aug-Sep).