Nope, I hold back from applying. I did ask the personnel who was handling my JOP application and she said no first year waiver for Liverpool. December gray area, maybe can. My JOP already January, so too late. Now wait and see what happens after Jersey promo is over.

We shall see from other new applicants.

I hereby offer myself to be the first guinea pig. If successful, I'll be the Last Jedi, or so, the last Liverpool card applicant to get the first year waiver because I'm very sure they will update their website according to the new T&C. I'll update here again.

I am guessing they started charging for the Liverpool card after the rebrand possibly because they need to pay some fee for using their brand name. Unless it's already in the agreement being one Liverpool's main sponsor.

So meaning January applicant (approved or applied) will get charged RM175 no matter how ?

The Jersey TnC offer is started from Nov 2019 though as from what i read, hmm ...

Principal card: RM175
1st year annual fee waiver

So meaning January applicant (approved or applied) will get charged RM175 no matter how ?

The Jersey TnC offer is started from Nov 2019 though as from what i read, hmm ...

Principal card: RM175
1st year annual fee waiver

2018 bro, not 2019.

"no matter how" - I think depends how loud you can shout over the phone harping on their website not reflecting what is stated in their T&C. or if you're willing to complain all the way up to higher management if lower management would not give in.
Website not updated according to T&C (or maybe T&C not updated according to website. heh)

So I think we're at the second stage of gray area (first was December during the transition).

2018 bro, not 2019.

"no matter how" - I think depends how loud you can shout over the phone harping on their website not reflecting what is stated in their T&C. or if you're willing to complain all the way up to higher management if lower management would not give in.
Website not updated according to T&C (or maybe T&C not updated according to website. heh)

So I think we're at the second stage of gray area (first was December during the transition).

hmm... it is 2019 ?

Fees and charges
Liverpool FC Cashback credit cards that was issued before 1 November 2018:
• The annual fee for principal credit card is RM175. The annual fee for principal credit card will be waived if you made retail purchases of at least RM20,000 per annum on each principal credit card. This program is valid until 31 October 2019.
• Effective 1 November 2018, the annual fee for supplementary credit card will be free. For supplementary credit cards with renewal date before 1 November 2018, the annual fee of RM100 per supplementary credit card applies. The annual fee for supplementary credit card will be waived if you made retail purchases of at least RM20,000 per annum on each supplementary card.
• Annual spend on principal and supplementary credit card will be calculated separately and no combination of spend shall be allowed.

Liverpool FC Cashback credit cards that was issued from 1 November 2018 onwards:
• The annual fee for principal credit card is RM175.
• The annual fee for supplementary credit card is free.

Complain to BNM since discrepancy from what is being published publicly.

that's jersey redemption. this is card application loh.

Liverpool FC Cashback credit cards that was issued before 1 November 2018:
• The  annual  fee  for principal  credit  card is  RM175.
The  annual  fee  for  principal  credit card  will  be  waived  if  you  made  retail  purchases  of  at  least  RM20,000  per annum  on each principal credit card. This program is valid until 31 October 2019.

Liverpool FC Cashback credit cards that was issued from 1 November 2018 onwards:
• The annual fee for principal credit card is RM175.
No condition stated for AF waiver if you got your card after 01 Nov.

No more fee waiver start Nov 2019, have to pay RM175 and get a free Liverpool jersey.

Principal card: RM175
1st year annual fee waiver

hmm... it is 2019 ?
https://av.sc.com/my/content/docs/my-tnc-ju...uct-jul2017.pdf

Owh, my bad

I thought it was same as the redemption starting date.

I gotta ask them whether my card is free waiver or not later since i applied on december and activated on december
As they offered me during december 2018, the cs said is free waiver

I am guessing they started charging for the Liverpool card after the rebrand possibly because they need to pay some fee for using their brand name. Unless it's already in the agreement being one Liverpool's main sponsor.

If that's the case, I don't see why Maybank can offer FC Barcelona VS without any AF.

cannot compare directly lah.

1. just my guess.
2. maybank is literally giving you money just to use the Barcelona card (0.2% from other banks/cards negligible to me).
3. Another assumption is Maybank Msia is making more money than Std Chartered Msia.
4. allocation given to the credit card dept.
5. different marking strategy.