Yes, I confirm this should be OK based on my monthly spending using BP to fulfil the online portion.

1. Yes (subject to qualifying spend conditions being met)

2. Calendar month

3. No pool

Yes

No. And no CB card (as far as I'm aware) gives you on the spot.

85 is calculated on a monthly basis. You have to redeem online in the next month at a random date. Usually in 2nd to 3rd week. Read previous posts to get an idea of when the CB is released.

No. It is like how I explained in my post.

Technically yes, but nearly every single bank waives the first year in order to attract customers, hence why you've never been charged. That's what they mean by first year waiver.

The second year fee is chargeable when you start your second year of usage... So that's where you're currently at.

My usual way is to buy chewing gum / sweets x3 at supermarket. Cashier always gives me funny look... But free ride!

Lol. I am thick skinned wherever I go, even in Malaysia.

One other trick I always do is to swipe 6x chewing gum when I am in a developed country (where CC is widely accepted). 1 free ride will be used for that trip, and the 2nd free ride for another trip (within one month of the swipes). I feel its harder to get "low value" swipes in less developed countries, so I will usually swipe 2 sets when travelling to a developed country in case I travel to a less developed one within the next month.

Yes that was a problem I encountered in Vietnam hence my new strategy. Since swipes are such low value, there is no real loss if second set isn't used.

The only issue is that SCB has "one time per calendar month" limitation so it's only good if your timing of second trip is in next month. I have Citibank Premier miles too (same 3x swipe rule) but no calendar month limit so that's even easier.

Random - but in my experience it takes anywhere between 3-6 weeks on some random date.

SCB is very random... Like their cashback for JOP and Plat and their previous Uber promo. You will suddenly see CB when you lease expect it.

Quick question:

I did a MBB IBFT on Saturday 27 October 11.30pm to SCB CC. But today (Mon 29 October), it still hasn't been reflected in my SCB transaction history.

Is this normal? My due date is today, and I'm wondering if I should do another IBFT (before midnight), or if SCB system is just slow in updating.

It's still not showing in my transaction history, BUT, its reflected in my CL!

So - I paid RM1,600 on 27 October

And because I was so paranoid, I just paid ANOTHER RM1,600 (29 October)

Now my CL shows an overpayment of RM1,600 (i.e. my available limit is higher than my total approved limit), which I guess means both payments have been captured.

This post has been edited by lilsunflower: Oct 29 2018, 10:58 PM

Thanks for the CL tip! I should have thought of that myself.

This is the first time I paid so close to the due date, and I started freaking out when I realised it hadn't been posted. But next time I'll use the CL check for assurance.

Thanks again

I did Live Chat this morning and they told me to e-mail one month payslip for the SST credit

This post has been edited by lilsunflower: Nov 7 2018, 08:03 AM

No, you go to services and help and then search replace card. It is pretty straight forward.

I am tempted to click replace too but scared they send an old design card. Hope yours turns out OK!

Saw the rebranded LFC card has been reflected on my SCB online banking now. Also just submitted a service request to replace the card.

I love SCB's service request tracker. I can see the status of my Live Chat requests too, including details. Btw, check out the screenshot. I asked for SST "rebate", but they call it a "fee waiver".

This post has been edited by lilsunflower: Nov 12 2018, 11:16 AM


Attached thumbnail(s)

Click "Help and Services" on the header dashboard.

Then click "status" tab.

I didn't request for a "waiver". I've had their card for a few years already and asked if they could consider giving me a rebate to offset the SST, considering my high annual spending. They asked me to submit one month payslip.

Best to ask them since these are discretionary and can vary from case to case.