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.

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

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

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

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

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.

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

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.

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.

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

Lucky me! Paid with Just One Platinum CC for PosOnline and thought it is a gone case since the CB excludes government transaction. End up still receive the CB in full! I spent RM1k+ on flight booking and petrol and RM1.5k on PosOnline (payment to Aeon CC - back in Nov 2016). Sadly this is the first and last time getting CB for PosOnline!

Can redeem cash cack for January 2017 already

Hi there, meaning paying insurance online instead of auto debit is also eligible for the cash back right? Coz there are a few insurance where we can pay online, i.e. AIA, Prudential, AXA Affin (via UOB PayOnline) etc. Is your insurance paid online relates to any of the insurance provider that I mentioned here?

Thanks a lot in advance.

deleted - double post

This post has been edited by ytan053: May 24 2017, 10:01 AM

Rmb to use shopback app and click on uber to enjoy additional RM0.20 for each ride. RM0.20 will be credited to your shopback account

Aww.. what a waste. I just gotten RM2 for each Grab Ride during the promo period from 30 May to 1 Jun (total 3 free rides with promo code, on top of that, got RM6 which is already reedemable! For Uber - it is redeemable within an hour. For Grab, about a day or 2).

You do use Promo code for Uber right? NOwadays the promo code for Uber and GrabCar never ends, which benefits customers like us.

I do email Shopback for missing CB and they will investigate and do the necessary. Agree that if they dont take any action, then just forget it.

Ohh...I thought you are the one who is using it around Klang Valley. No wonder.

I didnt get AF for my Stand Chart Just One Platinum even though it has passed the month that AF was supposed to be charged. Found that for Just One Plat and Stand Chart Gold Card, effective from 1 Aug 2018 onwards, AF is waived for spending for RM20,000 p.a. Details on the website

SCB gold card cash back is in already

based on what i understand and read, for SCB Cash Back Platinum, spend RM1k on anything other than petrol and insurance, and RM500 on auto debit insurance will still be eligible for the RM50 cash back, since the min excluding insurance and petrol is only RM1k.

Max out SCB JO every month, hence need to rely on Cash Back Platinum