Yes, I didn't send any SMS to active it

Good good, later i go try the RM 0.99 see still get 20% discount or not. Ahaha

guys i dont have any credit card yet, thinking to apply 1...
but i hear standard chartered is good,

so need some comand,
1. every month my petrol for car is 500+ so on to 800 so if i need some cashback.
2. i will starting travel around for vacation, and trip to oversea like taiwan, thai, hongkong, Aus, and so on ... shoping and food meal transportation
3. my salary around 60k above minimum per anum, not like /k 20k per anum la

so which card can i apply???

i need a cashback card... but i dont know which 1 to choose, since.

how much is the limit for the card? i dont need alot just 3k or so on will do...

SCB cards are good but the AF is pretty hefty to pay.

Though my sis claims that she hasn't been charged with AF all these years for her SCB CB Gold, I just want to prepare ourselves on this, how easy to waive the AF? I'm quite interested with the JustOne card but the AF is pretty high.

Any old timers care to shed some lights in this matter?

Dah 3 years I tak pernah kasi AF, when they charge I just Call them ask for Waiver...

Great information. Thanks!
So, I can spend like normal and no need to avoid spending before AF is charged right?

Some banks do not allow to waive AF if you still spend after AF is charged.

Yes me too but most of the time I use Grab because it is cheaper even without 20% SCB discount.
Or if I go airport and claim under Company, I will use Uber and charge under SCB.

I saw RM 8 discount for Uber, so I will be using it later to go to Puchong. Coupled with 20% SCB.

You need to login and redeem the cash back. Cash back have to manual redeem.
https://360rewards.standardchartered.com/my/rewards_home

Yes, probably during jam hours.
I'm not sure, I redeemed and can no longer see the code.

For cash back, you will need to redeem.
Uber 20% cash back will be auto.

Cash back which is card's feature will need to redeem. Well, a little bit effort and gains some cash, why not? It's an easy process.

Uber rebate will be credit on the following month, most likely around 3 or 4 weeks of the month

SMS will be sent for notification

Uber rebate will be credit on the following month, most likely around 3 or 4 weeks of the month

SMS will be sent for notification

Looks like the Just One is the best card for insurance at the moment. (2.5k++) Any sign up promotion now?

Yes, got it on 27th July too. Full RM 60.

If autobill payment, probably yes

RM150 Shopee Voucher Acquisition Campaign (1st, 5th, 7th November 2018)

https://av.sc.com/my/content/docs/my-tnc_sh..._1_Nov_2018.pdf
To participate in this Campaign, Eligible Customers must apply for JustOne Platinum Mastercard during the Campaign Period via the Shopee Website Campaign designated link and have their application successfully approved, all within the Campaign Period.

The Reward will be awarded to the customer based on sequential order from the first 100 customers who fulfil the requirement until the capping of the Reward is exhausted.

Shopee is the agent!