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This post has been edited by ronron: Aug 27 2024, 02:46 PM

Notice : New TS is ronron

To all readers, effective immediately ronron shall be the probationary TS for this thread. Please give the support for him to do his job and I wish him all the best.

Thank you folks!

This post has been edited by hye: Nov 16 2016, 07:17 PM

For those who made payment to PTPTN using this card through SC ebanking - JOMPAY, do you get any error with the Biller Code (34975 for Ujrah)?

Yes, same issue.
HLB got no problem with the same biller code.

Yes,same issue.I simply try key in the other code Pinjaman Konvensional 96933 and no bil error code comes out but I did not proceed for the payment.

I emailed ptptn ask whether can pay using the 96933 code since Ref1# is unique but they say need use the Ujrah code if ur loan is under Ujrah. (I assume typical answer)

1) How come SCB like that one?Same merchant but different bill code don't support?
2) Anyone has experience just pay using the 96933 code (although ur loan is Ujrah) and successfully received in the ptptn account?

Thanks

I just applied both Just One Plat and SCB Gold cash back in Jusco Seremban 2. Got a free foldable travel bag. Actually my intention was just to apply for the cash back card but the fellow told me there will be free RM 150 cash back once activate Just One. OK la, just apply first and not sure if it will be approved because my previous CCRIS record is not that good due to PTPTN.

glad that i m not alone... i went to one of their branches, asked about it... the officer has no clue on this as well...

going to print screen on this error and notify Stand Chart through - Malaysia.feedback@sc.com, let them figure out for us. you guys are welcome to join, hopefully more complains = faster response

(p.s.: i also asked to set up direct debit to take advantage of the 10% discount, they told me system not readily set up, try again in Nov, not sure which exact day... just "great" )

But if not mistaken, the current promotion should be RM150 + RM150, the second rebate will be entitled if processed for auto bill payment

Yes, it is but I won't be using auto-billing so I didn't mention about that.

Actually you can get the RM150 New to Bank Customer without the need of getting JustOne Plat MC.
https://www.sc.com/global/av/my-tc-creditca...ct-dec16-v1.pdf
Since you are not going to use for AutoPay.. haha

I applied for both Just One and Cash Back Gold so entitled for 2xRM 150?

Haha...

https://www.sc.com/global/av/my-tc-creditca...ct-dec16-v1.pdf

OK la, see which one it is approved. I'm not so interested with Just One actually. In my opinion, if approved both will be approved or neither will be approved.

Just curious, what is the term and conditions for the auto billing campaign e.g. how long before I can cancel the auto billing with the bank.

Last time I did auto billing for MBB Amex campaign was 6 months I think, I just waited until the rebate is credit in and cancelled the auto billing.

I got this SCB Just One Platinum, just wondering if purchasing airline tickets throught MAS webpage entitled for discount ? The webpage only mentioned online but no idea can get rebate for airline tickets or not

I think it should be eligible as long as the purchased is made online.

Fruitie, why not consider the Just One for insurance billing? You have GE right, it the amount is >RM2,500 one time, this card would be great, as it is considered (in my list) the 2nd highest CB for insurance.

My monthly only RM 250, one year RM 3k.
I rather split into monthly payment than one shot of RM 3k.

if this is 2nd highest, what is the highest CB for insurance?

This reply will be slightly off topic from this thread.

This is according to my knowledge and analysis and it really depends on (a) whether the insurance can be pay online (b) the amount of the insurance:-

1) For insurance that you can pay online like AIA, Prudential, AXA etc:-

- With each amount of up till RM1k, it would be Public Bank Visa Signature. As for each insurance payment that you pay with difference PBVS, you get RM50 each. Below RM833.33 would be best as you get the maximum cash back of 6%. -> Hence the highest CB for insurance

- Alternatively, if you still have Wise card, use the RM1k for eligible categories and utilise the remaining RM1k for insurance payment monthly to enjoy the max CB of RM100. Hence insurance CB is about 4.29%, still higher than Standard Chartered Just One Platinum. -> Wise can be the 3rd highest highest CB for insurance if the amount is RM1k monthly.

- If the insurance amount is RM2k, you can still charge to Public Bank to get RM50 (only ~2.5% CB) but you can convert it to 9 months 0% installment.

- But if the amount is RM2.5k, might as well use Standard Chartered Just One Platinum where you get RM85 (~3.4%) instead of RM50 with PBVS only even though you still can convert it to 9 months 0% installment. -> This would be the 4th highest CB for insurance for this category.


2) For insurance that cannot pay online like GE, it depends on the amount and the number of PBVS you hold.

- If the insurance is RM2k, charge it to Aeon cc then use PBVS to pay Aeon CC. You would need roughly 3 PBVS to cover this payment and the CB is ~4.41% (4.04% from PBVS payment to Aeon cc + 0.4% from Aeon (RM2 = 1 Aeon point)). -> This combo is the 2nd highest CB for insurance.

- If the insurance is RM6k, you can imagine how many PBVS card you need to cover these payment.


The reason why I said this Just One is the 2nd highest is because of (1) Combo of Aeon and PBVS is not ideal with those high insurance payment, like few thousand and above 2) Wise is only good if the insurance is RM1k MONTHLY or for that one month.

Conclusion: Still very much depends on whether the insurance can be pay online and the amount of the insurance. All these are until PBVS stop having this superb feature. Cheers~

This post has been edited by ytan053: Nov 1 2016, 03:14 PM

Nice comprehensive reply - I'm sure many will appreciate even though slightly off topic.

I use lazy method of everything charge to AEON CC, then pay using PBB VS + CIMB CR (using principals and supps, if they got spare quota) and as a last resort, SCB Gold Cashback. Even though my insurance premiums are really high, all my online cards can cover.

Yes, me too. Just switched my insurance auto-debit to AEON card. Really lazy to juggle between so many cards.

This post has been edited by fruitie: Nov 1 2016, 03:23 PM

RM0.00 StanChart: Stand to win more than RM10k from now till 28/2/17 by spending RM50 on any retail transaction. Reply Q4 to register. T&C: on.sc.com/yecb-my

Anyone knows the conversion of SC points to Enrich? Do the points expire? Thanks a bunch!

u can refer to standard chartered online reward page

i got this SMS too.
Just registered =)
I remembered there's a 18.88% dining rebates, but how come I get nothing on this?

are direct debit transactions entitled for the cash back?

for which cc?

The 18.88% dining campaign actually already ended on end Aug.
I've received all the CB from 1st to 3rd round.
The last 3rd round CB was credited on Oct.
Do you check the tnc?
If I remember correctly, there is spend criteria of RM500 and the CB is based on FCFS basis.

for the Cash Back Master Card

As long as not Petrol and Insurance transactions then yes.

>world master first year free annual free?

I Don't think so pls check on Pg. 3...

Fees and charges
You must pay the annual Miles Membership Fee of RM636 (inclusive of 6% GST) for principal cardholders, which will take effect from March 2017.
The annual Membership fee will be waived if you spend at least RM100,000 per annum on the WorldMiles Card in the previous year.
All supplementary cards are free.

https://www.sc.com/global/av/my-worldmiles-...rms-jun2016.pdf

OMG, round 3 dining campaign cash back already credited in?

I got round 1 and round 2, but not round 3!

Anyone else got it already?

I got mine. RM48.

Noted! That is really minimal, not worth to spend on this card then.

going to cancel it soon

can we ask from cs our security codes? 3 digit number..need to use the card today.. card haven't received

i got the card number...

If CS knows your CVV (I am assuming you are talking about the 3 digits CVV), then your card is already compromised.

Of course no. They have no rights to know and disclose to you.

then need to wait..and 11/11 sales finished

Has anyone been using SCB CC for Uber rides?

If so, have you gotten the 20% rebates?

Yup, have been used for few Uber rides

Still waiting for the 20% rebate

Just got my card this month so will see how it goes. Did a few uber rides last week. Great now uber has fixed fares!

Great, I didn't know it has fixed fares now. One of the reasons I don't use Uber is because it has no fixed rate like Grab.
Now hopefully I will be approved by SCB, I had their card 3 years ago.

Introduced fixed fares last week I think.

I signed up to scb primarily for the RM300 acquisition offer that ended in Sept. But quite happy with it so far for online spend when I've exhausted my higher CB cards.

Good. I wanna utilize it for the free sign up cash back, I also want to use it for retails.

Click on the link below, there is an option to register online, not sure the T&C

RM0.00 StanChart: Have you register to stand to win more than RM10k cashback when you spend with yr credit card?Reply Q4 to register now. T&C: on.sc.com/yecb-my

My worldmiles is one year next month. Just called to terminate, and the CS say they can waive. But i'll need to wait for it to appear in the statement and then call to ask for AF waiver. Is this how it works normally?

yes, you can't waive something that does not exist.

Other SCB Yes but No idea with World miles CC
last times they stated in T&C need RM100k Accumulate Spending p.a to get AF Waiver...

https://www.sc.com/global/av/my-worldmiles-...rms-jun2016.pdf
Fees and charges...
You must pay the annual Miles Membership Fee of RM636 (inclusive of 6% GST) for principal cardholders, which will take effect from March 2017.
The annual Membership fee will be waived if you spend at least RM100,000 per annum on the WorldMiles Card in the previous year.

Thanks for the reply.

I'm just worried then when i call to ask for a waiver they will deny it

you ady got the 6-Digit Personal Identification Number (PIN) card?

guys recently I received a lot of calls from different bank (SCB, UOB, CIMB) about insurance. What is so special about them? I cannot purchase those insurance with agent myself?

This post has been edited by Kira90: Nov 15 2016, 11:52 AM

Nothing special at all - just marketing marketing marketing.

As a general rule, better to stick to those agents you know and trust. I prefer to see mine face to face, rather than agreeing anything on the phone. These people are marketers with a goal to sell as many and as fast as possible.

I always tell them I'm not interested.

Anyone knows if scb charges cross border fee for expedia malaysia for oversea trips? I'm thinking to use just one card for the online purchase to max the cash back.

I think scb may charge the fee.

yeah i ask for cancel this worldmiles card ady
by the way

fly126 last time you told me the cash back is based on the statement date but today the officer told me ...which is calender month
I was wrong the calcalation over the last few months


Posted on: May 6 2016, 12:26 PM

Lousy One
*******

Group: Senior Member
Posts: 3,278
Joined: Jun 2012



QUOTE(asiatrader98 @ May 6 2016, 10:47 AM)
Thank you fly126
Price Solution Telesales and the customer service confirmed to me no annual or membership fee (worldmiles) for the 1st year
and they in fact have changed the anuual fee to RM636 this year not 2017
you can get more here

by the way, just want to confirm with you the cycle of the the gold cashback is base on the calender month?
*
Statement Date & CB Only credit to Your Account after 45 to 60 days (ie. May CB can only Redeemable by Late June or early July ) you need to go to: https://360rewards.standardchartered.com/my/rewards_home to redeem your cashback. or not, it will accumulate.


-----------------------------

https://www.sc.com/my/assets/pws/pdf/cashba...oduct-tc_v1.pdf

6) Meaning of words
CashBack Gold MasterCard
means the Standard Chartered CashBack Gold MasterCard Credit
Card.
cashback transactions
means all retail purchases (local and international) but
excludes all types of
transactions made at petrol stations or petrol kiosks including purchases of petrol, and any type
of insurance payments.
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.

This post has been edited by asiatrader98: Nov 15 2016, 03:07 PM

aiks, need wait so long for CB, im new to SC Credit Cards, was waiting my CB which trx date was on 20 Oct, seems like need to wait 1 more month
other banks CB so easy just credit back to the card itself every month... this SC still need to wait min 45 days and need manual convert points to CB

This post has been edited by tupai1113: Nov 15 2016, 03:44 PM

Auto billing for insurance falls under 15% CB, no?

1 Auto bill payments comprise of recurring bill payments from Insurance, Telco and Utilities

Sorry I overlook the part on autodebit of insurance, what about paying insurance online is it considered as online purchase which also entitled for 15%? I think this card is also good if u have spending on things that don't earn much CB from any CC, cos u only need to spend rm540 on those 15%-CB categories. Will look into this card, TQ.

This post has been edited by MGM: Nov 15 2016, 06:00 PM

I am not sure whether paying insurance online will be online purchase of insurance. Maybe need to check the MCC code on previous online payment of insurance to find out whether it falls into any of the 15% CB category.

Yes, SCB charge 1%, but u can ask Expedia to refund the extra charges to u..

Anyone receive just one platinum new cash back so far?

below 1,000 0.20% 0.20% 12
1000 – 1,499.99 5% 0.20% 12
1500 – 2,499.99 10% 0.20% 28
2,500 & above 15% 0.20% 85

Thank you for your reply.

Yea, Call CS Request for (4th year) AF Waiver again...

one question on the justone credit card..
if i spend 3000 in the 15% cash back categories.. i will get Rm85 cash back..
or i need to spend in other categories to entitle the 15% cash back?

world miles card any good? the annual fee can be waive? as i think cannot spend RM100k per year with this card.

Any idea how long would it take to credit the RM150 sign up bonus? Got their card since late October until now haven't seen cashback inside my account

Have you checked the T&C? I haven't even got the card and not sure if it is approved.

Activate the card within 45days from card approval date

one more question on world miles card. anyone applied via ringgitplus? they give lenovo tablet.
also i am wondering annual fee RM636 will be in the statement immediately or end of the first year?

Within 45 days, so for your case's deadline will be mid December.

There is no mention of when will the CB be credited into my account, guess i will need to wait and report here next month

SCB Just One GOld Card if use to pay Aeon CC via PosOnline, I presume can get the cash back right since it only excludes petrol and insurance but not government transactions

Didn't know that SCB's CB-Gold n Justone-Gold have the same exclusion of petrol n insurance. But is it worth cos of 2.12% charges of PosOnline?

Just One will be out. The t&c of Just One card stated specifically cash rebate is excluding govt MCC, which one of the MCC was for PosOnline.

The usage of SCB Gold Card for PosOnline is merely to pay the BT to Aeon CC. The Gold Card has CB rate of 3.34% (RM50 for Spending of RM1,500), hence after minusing the PosOnline charges, it is still a positive CB as long as these CB online payment cc to pay for Aeon CC is more than 2.12% CB.

But in the 1st post u were referring to Justone excludes petrol and insurance but not government transactions.

This post has been edited by MGM: Nov 16 2016, 07:20 PM

I think got names mixed up between Just One Platinum and Gold Cashback.

Will I receive any indication like SMS for application approval or rejection?

I received an SMS approval.

Did anyone from CS contact you? For me, I had to send my documents via e-mail to a CS rep, who also called me. She also called me when I got approved, and tried to ask me to sign up for another card.

If I recall correctly, the first message i received was 6 digits PIN number, I remembered some of members reported same things too

After that, only know the card application is approved

Nobody has called me until today.
Only the agent in mall called once because he forgot to fill in my phone no. He called my office no. to get me.

OK, looks like mine "colder than water" case already...

don't worry so much, SCB is the slowest yet, you can try online chat

Oops my bad!! Should be SCB Gold Card. Must be the Just One is in my head and hence it was being typed and combined together in the question.

OK, I wil check out the online chat.

which one is a better cash back card to get? Standard Chartered Cash back card or the alliance unique card?

I asked for cancelling the World miles cc (only got it 6 months more) a few days ago and they call me back just now and extend for me 1 more year waive but i rejected it then i mentioned about this SCB Just One GOld Card they immediately reply to me no problem to exchange World miles cc from to this,look like they are more friendly than HLB customer officer

JustOne Plat. or SCB Cash Back Gold Mastercard u said... JustOne got Gold Card meh....??? they only got Plat. I think...

This post has been edited by fly126: Nov 17 2016, 08:46 PM

So anybody can confirm if auto billing for insurance will entitle 15% CB ? exp my monthly insurance is rm3000, will i get rm85 ?
tqvm

Depends on how much you spend. Below to around RM1.5k better use SCB Gold. More than RM1.5k better use Alliance Younique. Both have tier rebate but SCB Gold is capped at RM50 while Alliance Younique has no cap.

This post has been edited by kelvinlzy: Nov 18 2016, 01:06 PM

OT: Fortune card may be suitable for you.

Cant confirm because my auto billing is not due yet so I have not experience it, but I believe it should be entitled to 15% CB and like what you mentioned, you should be getting RM85 for your auto billing of insurance of RM3,000