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

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beLIEve
post Apr 10 2024, 01:42 AM

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QUOTE(soonwai @ Apr 9 2024, 11:34 PM)
What I meant to say was that I put Setel Topup RM100 in Others category and expected cashback was RM56 because Petrol cat wasn't maxed out. However actual cashback that I received was RM60. The only explanation was that the Setel Topup RM100 actually went into Petrol category.
The other explanation is you have previous balance less than $30 and it's used to round up your redemption to $30. Have you checked this?

QUOTE(soonwai @ Apr 9 2024, 11:34 PM)
Filler, no problem. Any spend can be filler except the usual exclusions like gov and utilities.
Looks like it. No idea why Setel topup is under petrol and not ewallet. Setel is full fledged eWallet already right?
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Selected ewallets only.

Utilities not excluded. https://www.sc.com/my/credit-cards/simply-c...-and-conditions

This post has been edited by beLIEve: Apr 10 2024, 01:43 AM
beLIEve
post Apr 10 2024, 10:22 AM

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QUOTE(soonwai @ Apr 10 2024, 01:58 AM)
I have that odd RM7 stuck in cashback. Not planning to do anything about that for now.

Selected eWallets for cashback which I know. Non selected eWallets should be ok for filler right? Thanks for the correction on utils not being excluded.
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No worries.

What I meant was, did you check if part of the $7 was used to round up your cashback to $60?

Filler should be fine, but I think he wanted a definitive answer, i.e. from someone who got it before.
beLIEve
post Apr 20 2024, 10:36 AM

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QUOTE(incredibless @ Apr 20 2024, 10:10 AM)
Finally my journey card got annual fee charges. Given my spending for a year is just less than 10k.
1.Tried to waive in apps says not eligible
2.Then i sent request to their mail
3.Waited a day no reply
4.So i called their helpline and directly press fraud line number 1.
5. Spoke to the agent that i want my annual fee to be waived otherwise i just pay and cancel it.
6. First option was given to use my credit limit as cash advance - Reject
7. Then i said look simple here i just want to waive off or otherwise I just pay and cut off
8.She noted and will raise the request for 100% waiver and takes 1 business day.
9. Today i see they already reverse the fee back to my card 😀

The only way is speak to them only and try luck.
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If you haven't use your card after Annual Fee was billed, could ask them to reverse and cut off
beLIEve
post Apr 24 2024, 01:29 PM

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QUOTE(cclim2011 @ Apr 24 2024, 10:49 AM)
hello, would like to check if anyone know the rounddown of cashback, is it per transaction or per category or by monthly overall?

thanks

calculating if i made it enlugh for final month. hahaha
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#define card
beLIEve
post Apr 24 2024, 02:44 PM

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QUOTE(cclim2011 @ Apr 24 2024, 02:24 PM)
simply
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Not sure about per-transaction. 15% per category ($20 each with ewallet, petrol, grocery) on selected merchants. So it's 133.34 minimum each. To Playsafe, count 15% from qualified spends individually, round down to nearest cent, then sum up the cashback. You dont want to have 29.99 sangkut inside.

Filler spend must not be from excluded categories like Govt, FPX, etc
beLIEve
post Apr 24 2024, 04:48 PM

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QUOTE(Haloperidol @ Apr 24 2024, 03:49 PM)
Problem is my transaction Petrol , E-wallet , Grocery, Dining is all enough BUT I'm not sure why the heck i didn't get full 60 cashback...
Very joke coz they didn't broke down the transaction.
The cashback is base on every month like Maybank right (eg April 1st to April 31st) and will be credited at the end of May ?
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Manual redemption from that 360 Rewards site.

You'll have to check all your statements to see when your missing cashback started. Any petrol and dining can as long as MCC matches. But selected eWallets and Grocery only.
beLIEve
post Apr 25 2024, 08:34 AM

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QUOTE(Haloperidol @ Apr 25 2024, 07:52 AM)
i understand lol

You spend on March, by the end of April the cashback will appear at 360 Reward site.
but the CB is fairly not consistent

Also :
1. the CB is base on statement date or what ?
- like Maybank 1 April to 31 April
- or statement 20 means 20 April to 19 May
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Like maybank2me, i.e. calendar month.

You can see total cashback for each card somewhere near the end of your statement
beLIEve
post Apr 25 2024, 12:33 PM

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QUOTE(TongCN @ Apr 25 2024, 11:16 AM)
Quick question: Does SC still have extra grace period on statement due ?

I recall last time has +2 days but that was years ago.
Any recent case?

Still waiting Affin bank to balance transfer in which applied on Monday :\
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As far as i know, never had grace period. T+2 was Public Bank
beLIEve
post May 8 2024, 04:18 PM

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QUOTE(rocketm @ May 8 2024, 04:03 PM)
Hi guys, if using Simply Cash CC to make payment directly in ewallet such as Foneapp, is it eligible to get cashback?
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No. You need to understand the Cashback mechanism.
beLIEve
post May 13 2024, 11:10 AM

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QUOTE(Wolgie @ May 13 2024, 10:46 AM)
Cancel the card need to call or app or website can do it?
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Best to cancel 1 month before GST. after you redeem Cashback, pay remaining balance to make it zero then cancel.

QUOTE(thecurious @ May 13 2024, 10:51 AM)
Did you have to pay the SST though?
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Can be reversed if card not used after it's charged.

This post has been edited by beLIEve: May 13 2024, 11:12 AM
beLIEve
post May 13 2024, 02:31 PM

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QUOTE(Wolgie @ May 13 2024, 02:22 PM)
My card also until Jun. so may cancell today
extra use 36.00 but now i reload my shoppee wallet 36 yesterday, still no balance yet.
If can online, may do it today
So need to using web, right?
in Apps, no see cancel card

.... update.. website cannot find too doh.gif
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Under Help and Services where you usually open case with them.

Redeem your Apr cashback, if any, before you cancel. That will be end of May.
beLIEve
post May 13 2024, 02:40 PM

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QUOTE(Wolgie @ May 13 2024, 02:33 PM)
found it. thanks all.
MYR-36.00.....
means still extra money inside because my reload shopee not tele yet?
lol. my balance cashback got RM20,, cannot cashout.. doh.gif  wasted
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Wait until posted, then only system allow you to cancel.

That's the game plan. Either you lose some cashback which almost equal to GST or pay GST. After GST comes Annual Fee.

Unless you're a high value customer, cancelling your card is the only way to gamble for GST sponsorship and Annual Fee waiver.
beLIEve
post May 15 2024, 09:59 AM

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QUOTE(adamchen @ May 14 2024, 05:23 PM)
Hi, may i know that the annual fee rm250 can be waive after 1st year?
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QUOTE(jimbet1337 @ May 15 2024, 08:59 AM)
For my case, they only waive 1/2. Some here I saw can waive fully. Maybe I should put more effort next time  biggrin.gif
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If you're high value customer, yes. Else, they'll tell you to request for waiver through their website which will result in you getting trapped in paying 50% of the Annual Fee if you spend after it's billed.


beLIEve
post May 17 2024, 10:30 AM

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QUOTE(Wolgie @ May 17 2024, 09:36 AM)
Just received call ask me why im cancel. they give me cashback RM125 if i use 200 above this month.
And i concern about the annual fee.
Then he said annual fee normally can full waive, just do the online
It can be done through mobile app -> help & services -> Credit Card fee waiver -> pick annual fee.
then tnc just use 3 time and will get full waive (he said, donno really or not. as u know, every CS not same)

I ask why some only got half waive, he said because they call CS for rebate but not using apps.

Now i accept offer then see how....
laugh.gif hope not fell in trap
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That's not true. Once you use card, then obligated to pay annual fee and at their mercy. I requested when retention called to Setel the GST thingy, and told me to apply from website.

As long as you are ready to cancel card and they sponsored your GST.....if I don't have memory leak, I didn't spend after annual fee, so I told them I'll pay up and cancel card

This post has been edited by beLIEve: May 17 2024, 10:30 AM
beLIEve
post May 18 2024, 01:29 PM

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https://www.sc.com/my/consumer-banking-terms-conditions/

Client Terms and Product Terms for Credit Card (Effective until 29 April 2024)

Client Terms and Product Terms for Credit Card Revised (Effective from 30 April 2024)

beLIEve
post May 18 2024, 05:35 PM

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QUOTE(Wolgie @ May 18 2024, 01:48 PM)
Main Point?  brows.gif  brows.gif
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Sendiri check if want to know - at least you guys know got changes. I haven't search and compare, most likely won't be doing that also
beLIEve
post May 21 2024, 12:18 PM

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QUOTE(KTCY @ May 21 2024, 11:42 AM)
guys, need some help. how to navigate in apps or online to view current month statement ? i find the interface is one of the lousiest i ever use for online banking / mobile apps
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Web@Online - Click on your name > eStatement or something like that
beLIEve
post May 28 2024, 12:37 AM

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QUOTE(samjet @ May 28 2024, 12:33 AM)
Ringitplus giving guarantee rm1000 for new customer signup… before 29/5 11am
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Any caveats? Must submit EPF?

I saw 老一 ad from $+ say $1500.
beLIEve
post May 28 2024, 01:03 AM

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QUOTE(samjet @ May 28 2024, 12:40 AM)
Yes must submit EPF Statement.. not a big deal for salaried employees
Without epf will get rm500

Another rm400 if u apply their saving acc & some products.. not worth the hassle
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Sounds like extended old promo to me. Others already report some time ago.
beLIEve
post May 30 2024, 02:46 PM

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QUOTE(MGM @ May 30 2024, 02:31 PM)
Thanks but not in mobile app or website, b4 or after login.
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Only available to selected "prestigious" users

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