good to know that, thanks

For those have the similar case like me,
Confirmed with SC that monthly (zero interest) instalment should never be counted into cashback tier, they found the glitch and corrected it since last month.

Luckily still managed to appeal and get back full cashback as I complain to them I could accumulate multiple instalments to hit the full cashback in the past 2 years.

and this time need to spend kawkaw to hit full cashback already.. no more cashback for SC card instalment

This post has been edited by weiquata: Jan 25 2019, 11:45 PM

Called SC just now and asked regarding the Spend and Win daily cashback limit, the CS put on hold to read the T&C and told that there is no limit to win. For instance, spend RM1000 in 10 transactions with RM100 each will get 10 spin SMS. Doubt the CS did read the T&C correctly 😐😑

Now you just made the CS' weekend miserable, fearing for his / her job security.

Anyone has the link to the spin and win contest? Cant seem to find it. Thanks

https://www.sc.com/my/promotions/spend-and-win/

I have a SCB CC for like 6 years...hardly ever used.
Applied in 1st place as a favour to a sales staff.
Had been calling in every year to cancel card, but always ended up keeping the card ...annual fees waived and at almost everytime, will get some extra credit back with like 3 swipes, no minimum amount.

THis year..same story. SST also "off set".
They offered Liverpool Card .
No need to submit any documents. Received approval few days after call.

According to CS --The annual fees will appear in the statement but will be reversed on activation of card.
Also said about some cash back on x swipes...no minimum amount...i wasn't paying attention as was in midst of something when CS called.

thanks for the tips! this will come in handy when they start charging me, maybe next year.

So just wandering to call before or after your yearly due date and the annual fees already charged to the card?

Usually people call in after AF is charged.

But what if failed to get waiver and you want to cancel the card.
Still need to pay the AF fees or no need?

Usually they don't insist you to pay for the AF.
Not sure about SST.

Maybe to play it safe, call in before AF and see what the customer support says? then ask if still need to pay AF if want to cancel by then. My point is, put the burden back to the bank as much as possible, so that we can save paying the AF if bank decides not to waive it.

SST I think they cannot openly say sponsor you. So just ask you spend some money with the card and get rebate.

Thanks! I applied through the website. Do I still need to wait for any SMS confirmation? Or can I start spending already?

Some banks will ask you to call them after it is being charged into your online ledger.

SCB JOP/Liverpool cashback quota refresh date is follow statement date or 1st of every month?

My note is "Cashback is based on transaction date (not posting date) within a calendar month."

Correct? If the transaction is done in this month but posted in next month, the cashback will still count in this month quota?

My statement date is 1st of every month so I don't really look into this previously. thanks.

Scb doesn’t have posting date.. so, in other word, the cashback is based on transaction date. The tier spending is based on calendar month and not statement month.

ok. Didn't notice no posting date. Tier spending definitely is based on calendar month. I assume CB quota refresh also on the 1st of every month?

It is card feature, no quota to fight with.. as long as u meet the minimum spending and the cashback categories within the month, u will get cashback the following month (self redemption at 360 rewards)

I mean the card quota itself, RM85 & RM50