The cash back rate is 1.3% only with RM 7500 spending.

I don't have that much to spend.
If I'm being selected, I'll go for RM 50.
Of course, you can defend by simply load them into Boost/BigPay but I have no intention to do so.

This post has been edited by CardNoob: Aug 23 2019, 01:31 PM

Why not pay earlier or use IIBFT?

MYEG is government.
MyTNB is both online and utilities.

MCC always precedes payment mode.

YES

Yes.

1.5k on BP => RM 30 max
1k on GE auto-debit => RM 150 (at 15%)

Total = RM 180 but capped at RM 60.

YES for both.
Make sure that total spending hits RM 2500.

JomPay is not qualified and under exclusion list.

Retail Purchases EXCLUDES the following transactions:
a) Cash advances, cash withdrawals, charges for cash advance or cash withdrawals,
annual fees, interest, finance charges, late payments fees, disputed transactions or any
other form of service or miscellaneous fees charged by the Bank
b) Balances products including but not limited to Balance Transfers, Balance Transfer Plus,
Cheque On Call, Cheque On Call Plus, Flexi On Payment, Flexi On Payment Plus, Flexi
On Balance, Flexi On Balance Plus, Easy Payment Scheme (EPS)
c) Government service tax and any other taxes imposed by law
d) Government related transactions which include but are not limited to payment of rates,
charges, fines to Governmental, statutory and judicial bodies
e) Charity and organizations related transactions which include but are not limited to
payment and contributions to charitable, non-profitable, community or social service
organizations
f) Transactions under Merchant Category Code (MCC) 8999 “Professional Services” which
include but are not limited to Jompay transactions, FPX transactions and Paypal
transactions

URL: https://av.sc.com/my/content/docs/my-liverp...shback-card.pdf

This post has been edited by CardNoob: Aug 30 2019, 02:06 PM

Read again:

A month is defined as the period which runs from the first day of a particular calendar month to the
last day of that calendar month. Retail purchases must be posted to your account within a particular
month to be included towards meeting the minimum of RM500 per month in retail purchases.

Retail Purchases EXCLUDES the following transactions:
a) Cash advances, cash withdrawals, charges for cash advance or cash withdrawals,
annual fees, interest, finance charges, late payments fees, disputed transactions or any
other form of service or miscellaneous fees charged by the Bank
b) Balances products including but not limited to Balance Transfers, Balance Transfer Plus,
Cheque On Call, Cheque On Call Plus, Flexi On Payment, Flexi On Payment Plus, Flexi
On Balance, Flexi On Balance Plus, Easy Payment Scheme (EPS)
c) Government service tax and any other taxes imposed by law
d) Government related transactions which include but are not limited to payment of rates,
charges, fines to Governmental, statutory and judicial bodies
e) Charity and organizations related transactions which include but are not limited to
payment and contributions to charitable, non-profitable, community or social service
organizations
f) Transactions under Merchant Category Code (MCC) 8999 “Professional Services” which
include but are not limited to Jompay transactions, FPX transactions and Paypal
transactions

https://av.sc.com/my/content/docs/my-liverp...shback-card.pdf

This post has been edited by CardNoob: Aug 30 2019, 02:13 PM

Insurance paid not via JomPay is eligible for achieve the RM 1500 spending.

I never expect both to be the same.
Not sure why SC doesn't want to standardize though.

This post has been edited by CardNoob: Aug 30 2019, 05:35 PM

What cybpsych shared on the revision of TnC only says that JomPay won't earn cash back and/or 360 rewards points.
Doesn't mention on the exclusion in the retail spending eligibility.
That exclusion is however being detailed in the LFC cash back TnC:
https://av.sc.com/my/content/docs/my-liverp...shback-card.pdf

This post has been edited by CardNoob: Aug 30 2019, 06:04 PM

Yes.

Transaction date but all transactions in the current month must be posted by 1st week of following month.

You refer this one?

Where's the RM 15 comes from?