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Credit Cards Standard Chartered Bank Credit Cards V4, Everything About SC Credit Cards

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cybpsych
post Aug 15 2018, 08:45 AM

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user posted image

https://www.comparehero.my/blog/comparehero...-card-promotion

This post has been edited by cybpsych: Aug 15 2018, 08:45 AM
cybpsych
post Aug 23 2018, 05:13 PM

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QUOTE(SzeMeng76 @ Aug 3 2018, 04:38 PM)
Tried. No spin. It fall under title "Celcom xxxx", so maybe it under utiliries.
May have cash back, but excluded from spin eligibility.
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QUOTE(qqbill @ Aug 23 2018, 05:11 PM)
Sorry if this has been discussed..

Anyone knows if reload to BOOST entitles me a Spin?
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you can search?
cybpsych
post Aug 28 2018, 11:50 PM

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QUOTE(Sumofwhich @ Aug 28 2018, 11:23 PM)
Ohh didn't know about this cool trick, so I guess you requested your statement date to be roughly end of the month for all cards? Thanks!
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I always avoid statement date at end month because due date on next month will always off 1 day, except Feb to Mar which would be 2-3 days off.

usually statement date set to early of the month like 8 or do, due date 28 or so, this near payday (generally speaking)

another is due to monthly and promo cb cycle.
cybpsych
post Aug 29 2018, 06:54 PM

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QUOTE(jhleo1 @ Jul 30 2018, 03:27 PM)
I also apply SC CC under Bose Speaker promotion. Applied on 17 July 2018. SC Bank called for supporting and I submitted all documents  on 18 July 2018. The officer process the application on 19 July 2018 and told me would take approx 10days to get the card. Anyway I received the card last Friday 27 July 2018 and immediately activated it.
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QUOTE(jhleo1 @ Jul 30 2018, 03:47 PM)
Yes. 1 or 2 days before the approval sms, SC sms informed you that your phone/address had been updated. Then Temporary password for Online Banking given thru sms.
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QUOTE(KamisF @ Aug 29 2018, 06:44 PM)
how long after you activate your card, you get the email from compare hero? i applied under this and just got my card to be activated 😭
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cybpsych
post Aug 29 2018, 06:54 PM

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**removed, double-posted**

This post has been edited by cybpsych: Aug 29 2018, 06:54 PM
cybpsych
post Sep 8 2018, 11:30 AM

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QUOTE(luvoreo @ Sep 8 2018, 09:59 AM)
hi would like to ask is the SC mastercard and justone credit card annual fees waive able ?
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use the [SEARCH] box below this thread and enter keyword "waive".

waiveable = yes, they entertain your request but subject to approval as usual
cybpsych
post Sep 16 2018, 06:12 PM

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QUOTE(xuanchew @ Sep 16 2018, 05:27 PM)
Oh..just a thought
what if i reload RM2500 monthly, and go BP withdraw back the money?
just pay the local RM6.00 per transaction
brows.gif
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you think you're the only one thought about that?

do use the withdrawal feature as and when needed, and NOT abusing it repeatedly and excessively (e.g. top up, withdraw, top up, withdraw, etc) without activites from BP.

read BP's T&C fully and thoroughly. read thru from BP thread too.
cybpsych
post Sep 16 2018, 06:43 PM

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QUOTE(xuanchew @ Sep 16 2018, 06:40 PM)
So its workable? Is anyone test this before?
Ya, agree not abusing the features as what you said.
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read thru from BP thread and search there.
cybpsych
post Sep 20 2018, 07:39 PM

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QUOTE(SzeMeng76 @ Jun 23 2018, 11:23 AM)
QUOTE(beebee1314 @ Sep 20 2018, 07:19 PM)
Redeem? Where or how can I redeem it? SCB app?

For the 2500, I plan to dump all to bigpay so I won't have any issues with 2500.
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cybpsych
post Sep 24 2018, 07:28 AM

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QUOTE(fly126 @ Sep 17 2018, 09:57 PM)
No, you can not transfer your monthly installment to other new card.

SCB JustOne Platinum MasterCard

CashBack on Auto Bill Payments, eCommerce and Petrol. (except Government & Charities ).

Spend (RM) per monthRebate on Petrol, eCommerce & Auto billOther spendCapping per month (RM)
1,000 to 1,499.99 5% 0.2% 12
1,500 to 2,499.99 10% 0.2% 28
Above 2,500 15% 0.2% 85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing: (via Auto Debit)
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend:  For all online transactions made with “Transaction Mode = M, D, S and U”

* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via https://360rewards.standardchartered.com/my/rewards_home

Btw, SCB JusOne Plat. Annual fee can be Waive EZly with just a Call to CS :nod
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read above by fly126, she's been posting this countless of times
cybpsych
post Oct 11 2018, 05:33 PM

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QUOTE(Jack128 @ Oct 11 2018, 05:29 PM)
Are you guys referring to the 1 for 1 GSC Gold Class?
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https://www.gsc.com.my/html/promotion_detai...&PID=74&NID=887

gold class 1for1 need SCB VISA Infinite
cybpsych
post Oct 12 2018, 10:29 PM

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QUOTE(xxnazxx @ Oct 12 2018, 09:57 AM)
just top up rm2500 into my bigpay with SC JOP.

question: will i get the full RM85 cash back pool for this month? cause ive been seeing several forummers reloading RM567 only to big pay and the balance 1933 by making other purchases.

on another note, YES boost have started accepting back top ups with Big pay. the 2500 above was immediately transferred to boost (1500) and withdrew (1000) to my savings account.

thanks in advance gais
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QUOTE(tan_aniki @ Oct 12 2018, 09:59 AM)
yes full but need to wait for next month only they will credit into your 360 rewards
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QUOTE(Leroi2x @ Oct 12 2018, 10:27 PM)
if i spent 2.5k with justone plat to top up bigpay , will i get the cash back 85?
or i must spent other category ?
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interestingly, someone asked just that in BP thread this morning. see above.
cybpsych
post Oct 13 2018, 09:34 AM

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QUOTE(lil_flank @ Oct 12 2018, 03:58 PM)
Wow, so strict. I sometimes afraid that i forget to pay one of my credit cards coz have quite a number of credit cards on hand. Abit tedious to track. Sometimes one forget can wipe out our few months hard earn cashback.
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1) reconsolidate all your cards' statement date to common dates, or at least near to each other.

2) reconsider your statement date early of the month so that your due date is within same calendar month (assuming you earned the 20 days grace period every month).

3) if all above done, set a single/two reminder(s), maybe 1-2 days in advance, to remind your upcoming payment.

4) card(s) with fixed statement date, cant help. either the other cards matches these, or you pay early for these cards together with others, so that you dont forget.

5) else, above advice is good too. group your cards with 2 common statement dates.
cybpsych
post Oct 22 2018, 02:25 PM

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QUOTE(JuneResources @ Oct 22 2018, 02:20 PM)
Hey guy, is it true that once I get the card, then at least need to hold 6 months then able to cancel the card?

I receive straight away 4 cards including supp card.. The supp owner also don't want to hold credit card because ntg benefit for him except I want to hold cb mastercard.

Can somebody advice to me is it possible can immediately cancel the card once I receive the cards?

Thanks a lot.
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yes, cancel asap shouldnt be any issue. it's your right to cancel it.

reason is for agents to EARN their commission after 6 months of card active period. depends on the bank's commission structure for the agent, they may get tiered commission or one-lumpsum amount.

cybpsych
post Oct 22 2018, 02:57 PM

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QUOTE(JuneResources @ Oct 22 2018, 02:53 PM)
I am very generous already and activate 1 card only which is cb mastercard. Else I will cancel all the credit card. dry.gif
The rest of the card I m not need because there is no CB for me, it's just earn points only.

If they want to earn commission, then they still can earn it as I got activate 1 card only.. No point I'm holding so much card unless they straight away waive the SST per card for me.
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there are few ways banks employ on the commission structure.

most likely not upfront as per application, because agents would fraud a lot of new applications just to earn commission quickly (quantity vs quality customers)

banks also want quality customers and also to manage fraud (from agents); so it's something like give staggered/tiered commission, e.g. first 3 months gets 50%, 6 months gets remaining 50%.

cybpsych
post Oct 23 2018, 11:52 AM

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QUOTE(yujin86 @ Oct 23 2018, 11:49 AM)
may i know bigpay reload, agoda and booking.com is consider online for just one platinum?
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huh? what exactly are you asking?
cybpsych
post Oct 23 2018, 11:58 AM

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QUOTE(yujin86 @ Oct 23 2018, 11:54 AM)
unsure.gif
just wanna confirm whether bigpay reload, agoda and booking.com is under Online category for Just one Platinum CC which is entitle for cash rebate.
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do you know you can [SEARCH] for answers?

bigpay yes

agoda/booking.com, no idea. but from doing searching, there is 1% cross-border fee
cybpsych
post Oct 25 2018, 01:29 PM

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QUOTE(prescott2006 @ Oct 25 2018, 12:30 PM)
I use all amount for Shopee. Should be okay to get rebate right?
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above already have the answer, you swiped on 4th Oct 2018, you wont know the cb until next month!
cybpsych
post Nov 2 2018, 09:45 AM

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QUOTE(xxnazxx @ Nov 2 2018, 09:41 AM)
thanks for the answer Fruitie, however i still am not well verse with SC JOP CB redemption thingy.

i thought it should be like other CC's, where the CB pool is by monthly basis and is reflected 1st or 2nd of each month.
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not all cc/banks are the same

some by 1st of the month (calendar cycle).
some by statement date (statement cycle).
some by end of following month
some auto-credited. iinm, only scb need redemption.
cybpsych
post Nov 2 2018, 10:45 AM

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QUOTE(xxnazxx @ Nov 2 2018, 10:35 AM)
firstly, sorry if this has been asked or discussed before.

could any of you enlighten me how SC JOP cash back works, i mean the RM85 pool is within statement cycle or monthly cycle.

my first and last transaction was on 12 Oct amounting to RM2500 (online) which entitles for the full amount of cash back.

thus, when should the card be used again for the next cash back pool.

all feedback is highly appreciated. thanks.
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EARNING cashback is by calendar month.

earned cashback shall be available by end of FOLLOWING MONTH, somewhere around 20+. then only you redeem it into your cc.


your transaction on 12 Oct, was in Oct. so expect your earned cb by later this month of Nov.

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