Yeh, have to click to redeem. But it's surprisingly easy . Very happy with my new Cashback gold. Now I just can't wait to get my Uber cashback for November spending in the next few weeks.

Call CS to check the status. They will usually tell you at what stage they're at e.g. documents submitted, pending approval, or embossing, or delivery. They can also give an estimate of timeline.

No catch. Just follow the TNC. SCB acquisition promos are like that - they probably bank on attracting large volumes and hoping that the majority of people will not hit and run.

I think our LYN forummers represent a very small minority of the population. Most people don't bother to sign up and maximise promo then cancel.

Yes, as a general rule, groceries (and dining) is one of the "safest" categories for inclusion in retail spend for all credit cards.

Anyone received the Uber cashback for Nov yet? It's my first month using SCB for uber so wondering when the normal payout occurs.

Yay, me too.

Thanks. Me neither. Spent quite a lot in November on rides to the airport, so am looking forward to it .

I just realised my Nov cashback (paid in Dec) is higher than expected.

I bought a laptop during the 11.11 sale from Lazada for RM1900. It was never delivered and they processed the full refund around 22 Nov.

I quickly spent RM750+ on Pos Online so that I could hit the threshold for 20% Uber rides (which also brought me over the RM833 cashback threshold).

Since I spent only RM900+ in total, I thought I would put get RM25. But got full RM50.

Anyone experienced this before, especially for refund situations (but refund was reflected in same month and statement) ? Did they claw back cashback subsequently?

This post has been edited by lilsunflower: Dec 28 2016, 12:29 AM

November Uber cashback in today - 49.56 for me

Wow that's great. Please confirm again once cashback received so that we have more options to pay.

Seems like Gold cashback card is really quite flexible. I've been using for 2 months and so far pretty happy.

Last time no one called me for about 3 days, so I called THEM to follow-up. Half an hour after my call, someone called me and e-mailed me with a list of documents. The process after that was very fast.

Better you follow-up rather than wait.

Last time, I called CS, gave them my application number, and shortly after, got a call from Price Solutions (the CC marketing arm of SCB) and an e-mail asking for documents. It was SO FAST after that.

For me, I just want things to be done ASAP rather than waiting indefinitely for someone to handle my case.

First card is always the toughest.

If you really want a first card and want to "test" if there are problems getting approved, I suggest you try first with your salary-paying bank.

Based on my experience, I had trouble getting my very first card (many many many years ago when I was young haha), even though my first salary in Malaysia was above RM5k and I had previous employment in other countries. My first successful CC application was thus from my salary-paying bank (Maybank), and they gave me a lousy credit limit (think it was just 1 month salary!). Gradually, once I started to build up credit record and slowly apply for credit limit increases, banks became much more relaxed in approving my applications.

Good luck, and hope you eventually get approved .

Feeling so left out - I didn't get a single SMS!

Agreed - 16k spend! And low yield. Totally not worth it.

Not sure why I'm not receiving any of these SMS... I've got significant hospital bills to pay (baby delivery) next week and it'd be perfect if I got the RM5k offer too.

When was your card approved / activated?

Mine was end of Sep, and I haven't received anything yet either.

I'm loving this card more and more. The Uber cashback feature is also super awesome.

RM0.00 StanChart: Congratulations! We have credited 20% cashback fr your Uber rides for Dec'16 into your credit card. Continue to spend & enjoy more cashback.

Yay - Got my RM150 + RM150 acquisition offer today. Applied in late Sept, card approval was in early October.

If you're not using, can cancel and reapply after cooling off period (typically 3 to 6 months) to qualify for future acquisition offers.

This is my 4th round of cancelling and reapplying for SCB cards.