to make things simple, what i did was to change my statement date to 1st of the month.. therefore, my statement month = calendar month, which simplifies tracking..

maybe too many people set it to the 1st already.. too bad then..

cash back for October spend already in..

no issues to get OTP when requesting to redeem cash back.

it's sent automatically when trying to redeem cashback

By calendar month

Paying 4200 on insurance monthly will nett you 0 cashback for SC Gold.

Can consider Alliance you:nique, which will give you RM 53.6 for 4.2k spending..

Tip: Set your statement date to be on the 1st of the month, so your statement will follow your cashback month.. much easier to monitor & track..

Thanks! I was waiting for it as well.. T&C said 10 weeks, but just 2 weeks after March already in liao..


Samsung Pay. SC giving 20% cashback up to RM 100 total (over 2+ months) for using Samsung Pay linked to SC card.
https://www.sc.com/my/ways-to-bank/samsung-pay/

March cash back is in!

I don't have their mobile apps, so I'm not sure.. But from the way their website is structured (i.e. CB rewards is separate from their Online Banking), I don't think so..

Also, as it's only a feature that I use once a month, I don't see a necessity for it to be on the mobile app..

Too bad.. only applies to those that are invited via SMS.. I didn't get the SMS..



Also, first come first serve to those who are qualified..

200 x RM 128, 300 x RM 50..

I didn't get it as well.. I've been consistently using between RM 800 - RM 1500 monthly..

RM 1500 can include insurance and petrol, as long as non insurance and petrol exceeds RM 1k

#2

Thing to note is that -50 is not automatic. You need to manually redeem it.

Actually your Gold CB also a little incorrect.. 2% is only activated if you have minimum spend of RM 500, so it should be:
<RM500 : No cashback
>=RM500, <Rm800 : 2%, max RM10
>=Rm800, <RM1500 : 3%, max RM25
>= RM1500: 5%, max RM50
(excl. Petrol & Insurance)

What you read on the website is correct. CS is wrong in this case. I used to charge rm 480 worth of insurance payment monthly to this card (now moved to FCB already).

Need to spend Rm 1500 to trigger 5% cash back on eligible transactions (non insurance,petrol). Cap of RM 50 means you only need to spend rm1k on eligible transactions to maximize cash back. 500 can be on petrol, insurance. Effective cash back is only 3.33%.

Even if you spend less than 1k on eligible transactions, you still get 5% if you meet min spend of 1.5k. as an example, you spent rm 800 on insurance/petrol and 700 on others, you'll get rm35 cash back (5% of rm 700)

This post has been edited by donhue: Jan 12 2018, 11:30 PM

Hrm.. I still didn't get my Dec Cash Back.. When I called CS, they said will only be available in February.. said something like new T&C now is 45 days already..

They get more commission from more cards applied.

For such cases, I'll threaten the salesperson.. either you let me apply just one card, or I'll go apply from someone else. Works all the time. And in case I get 2 cards in the end, I'll cancel both cards immediately. That way they won't get the confusion also.

I got my CB for January, while still nothing for December.. called CS and had a long discussion/check..

My Dec transactions had RM 214.19 of petrol transactions, and RM 302.05 of non petrol/insurance transactions.. Total spend exceeds RM 500, so by right, should get 2% CB on the RM 302..

CS says that petrol transactions are not considered retail, that's why not considered in total spend, thus no CB.. but I told them that in their website there's no mention that petrol transactions are not considered retail.. CS will check with her superior and get back to me..