nothing magical la

since you rely on bigpay.....

LFC -> bigpay RM1.5k - max cashback rm50/mth

JOP -> bigpay RM2.3k + RM250 autobill insurance = max cashback rm60/mth


your additional rm1k spending can be from LFC topup source to bigpay.

This post has been edited by cybpsych: Nov 14 2019, 11:13 AM

cancel it immediately if dont need it

sst doesnt charge by end of the year.

that's why I proposed get 2 cards lor

2 separate features, 2 separate benefits

no idea. just try lor

there are differences.

statement date = 19

statement cutoff/generation = varies based on certain rules.

yes, it will generate +1 day after



This post has been edited by cybpsych: Nov 18 2019, 02:19 PM

another spin campaign...



Win a Ford Mustang Campaign [ SCB | T&Cs ]
22 November 2019 - 29 February 2020

Year End Spend Campaign 2019/20 Terms and Conditions Excerpt

1. The Standard Chartered Win a Ford Mustang Campaign (“Campaign”) is open to credit cardholders of any credit card (other than corporate cards) issued by Standard Chartered Bank Malaysia Berhad (“SCBMB Cards”).
2. The Campaign commences on 22 November 2019 and ends on 29 February 2020, inclusive of both dates (“Campaign Period”).
3. The Campaign comprises of Daily Cashback Prize and Grand Prize, one (1) unit of Ford Mustang.
4. To participate in the Campaign, Eligible Cardholders must successfully register their SCBMB Cards within the Campaign Period and spend a minimum of RM100 (“Minimum Spend Criteria”) in a single transaction (either local or overseas spend) using their SCBMB Cards within the Campaign Period (“Eligible Transaction”).
5. Each Eligible Cardholder will only receive one (1) link in one (1) SMS with every Eligible Transaction made. Each link will only be valid from 00:00 22 November 2019 to 23:59 29 February 2020, whereby Eligible Cardholder can only access the link during the stipulated period as above.
6. Eligible Cardholders are required to click on the link in the SMS to play a game which will then confirm if the Eligible Transaction done is entitled for any Daily Cashback Prize. To play the game, internet connectivity is required.
7. Eligible Transaction charged to the supplementary cardholders will be counted as an Eligible Transaction made by the principal cardholder for the purposes of this Campaign and SMS will only be sent to principal cardholder to play the game.
8. The Daily Cashback Prize is capped at 123,500 winners throughout the Campaign Period.
9. To qualify for Grand Prize, every RM100 Eligible Transaction done will earn the Eligible Cardholders one (1) entry to be in the running to win the Grand Prize at the end of the Campaign Period.
10. One (1) winner will be selected as the winner of the Grand Prize.
11. The above is merely an excerpt of the Terms and Conditions governing the Standard Chartered Win a Ford Mustang Campaign. Please click here for full Terms and Conditions.

**updated copy from SCB website**

This post has been edited by cybpsych: Nov 20 2019, 03:28 PM

read t&c.

// 15) Each Eligible Cardholder will only receive one (1) link in one (1) SMS with every Eligible Transaction made. Each link will only be valid from Malaysia time 0000 hours 22 November 2019 to 2359 hours 29 February 2020, whereby Eligible Cardholder can only access the link during the stipulated period as above. //

the copy is from SCB website.

t&c copy is more important that the website/edm/marketing material.

do not compare across banks. diff banks have diff policies in how much detail they can view.

PBB/UOB/HLB has the MCC available to their crm/cs.

MBB/SCB not readily available by crm/cs, possibly limited by authority level.

use your number which is already registered to the SCB card/system la

there is a reason why for 3 working days "registration" period.

do whatever you want lor. see got response later.

later dont cry if didnt get any.

// (b) The SMS must be received by the Bank’s appointed service provider (“SMS Service Provider”) within the Campaign Period. Proof of sending the SMS is not proof that the SMS has been successfully transmitted, and the SMS Service Provider’s records of receipt of SMS will be final and conclusive. //

also to those not using the registered mobile number...

// (e) Each SMS must be sent using the Eligible Cardholder’s mobile number registered with and maintained in the Bank’s records. //

yes, those who received the bank's sms blast. also within campaign period.

those who voluntary send sms, also within campaign period.

per your question, then send within campaign period.

why not use Instant Transfer?

scb no grace period.

due date = 27th.

if you instant transfer 27th, it would be captured as 27th.

however, you made the transfer on 28th, whichever way already lapse the due date.

p/s: notification is always late. always monitor the CL limit before & after transfer. you'll notice the increase in CL after transfer.

1 link per transaction, not the amount

1) you dont get the reward according to statement. reward/cashback is given on the following month, AFTER your spending month.

2) calendar month


e.g. spending in November, cashback in December (date varies).