I dont understand why one would aim for lower tier though. As long you
1) mix autobill and petrol spending in
2) pad the difference with online and bigpay
3) habitually withdraw the padding from bigpay to your account to pay off this card

your effective cashback rate is much higher @ RM54 / actual spending (provided you reduce your "actual" spend)

This post has been edited by zenquix: Jun 8 2019, 11:23 PM

in theory yes as long insurance is autobilling. That's my own plan too + as per cybpsych -- beg for annual fee waiver

my last reload was a week ago

since your annual fee (should) be free just use for another year is what i would do

by concept AF and SST should be same time. For him to get charged SST this month = last batch of auto annual fee waiver

good advice. found lots of banks now give lousy rewards for insurance auto bill (CIMB = 0 points, MBB only 1 point). Only FCB is 2%. Moving it to JOP helps to get higher RM60 cashback and potentially higher %

This post has been edited by zenquix: Jun 14 2019, 07:22 PM

This year? Was under the impression LFC now unwaiveable because of the jersey

Source? Unless I misunderstood your reply. SCB has not said BP / ewallet not eligible for online CB

TNB (utilities) is entitled.

What he meant was only insurance, telco and utilties are entitled. Gym don't fall into these categories

As mentioned that is the standard way Credit Cards work. Some banks 'might" give additional 1 or 2 day grace from due date but I don't think it is compulsory, but that only saves you the LATE PAYMENT.

Once Card Interest is triggered,
1. all existing transactions in the statement will get charged interest from THEIR transaction date (not your PAY DATE - DUE DATE)
2. all unbilled transactions including new transactions incurred after PAY DATE will get charged interest from THEIR transaction

This only ends when you have SETTLED the entire balance (i.e balance =0) in FULL on the next statement. If you delay paying thinking you have interest free until DUE DATE, you are wrong cause you are already accruing interest. In this scenario make sure to pay on or close to STATEMENT DATE.

Want to pay less interest? SETTLE the entire balance and freeze/avoid using the card until the next STATEMENT DATE.

TLDR; Do not ever pay late, carry no balance. If you go into interest accruing mode, pay off entire card balance and stop using the card until next statement date.

This post has been edited by zenquix: Jun 24 2019, 07:52 PM

if you overhit just top up less on bigpay. you don't need to up bigpay on day 1 of month

normal for all banks.Think you need to read through Credit Card terms. I posted earlier. Once you late you lose interest free period until next zero statement balance

This post has been edited by zenquix: Jun 25 2019, 10:55 PM

yes unless SCB made changes they have not announced.

As discussed earlier just move RM200 of your autobills or petrol to JOP, to get the other RM30. Top up less to ewallet

yes although most ppl in thread plan
15% on petrol/auto-bills = 15% on RM 200 = RM30 cb
Remainder can reload using Boost (online) RM 2300 = RM30 cb

yes. no cap for autobill as yet

considering the ADB amount is earmarked for the 6months (eligibility of the promo) and assuming one is @ the 2.5k limit (15%)

RM20k -> (60 * 6) = RM360 = 3.6% p.a.

RM50k -> (120 * 6) = RM720 = 2.88% p.a.

Conclusion - HLB FD better (not many other banks actually give rates more than 3.5) and only 20k is worth it

Edit - forgot to check the My Dream account. 0.3% p.a. .. so in a way it (20k) is better than FD..

This post has been edited by zenquix: Jul 16 2019, 04:27 PM

I reread the entire T&C and i think I understand cybpsych's concern.

Clause 8 tables shows

Bonus Cashback Cap per month

Clause 9

9. If the ADB requirement is met for any month during the 6 months period after the opening of the
Designated Savings Account, Bonus Cashback will be earned on the Eligible Customer’s retail
spending in the Month on the JOP Card linked to Designated Savings Account. Bonus Cashback will
be calculated monthly and will be credited to the JOP Card account only in the following month. \\\

As it is worded - this promo is not given extra cashback i.e 15% -> 30% -> 45% but extending/increasing the cashback cap

so one need to spend additional RM400 on petrol/autobill to get the additional RM60 (20k), or additional RM800 to get the additional RM120 (50k) as the online cap of RM30 did not get increased in this T&C.

New conclusion: - can flush down the toilet unless u are spending RM600 (20k) or RM1000 (50k) on autobills/petrol per month for the next 6 months. Or just open a SCB PS account to lock in 4% as long u bank in fresh funds 3k a month


Tell me abt it. I have been looking to open SCB PS this month thanks to the lacklustre fd rates and "thought" this would be an interesting alternative since it is so "targeted."

This post has been edited by zenquix: Jul 16 2019, 04:46 PM

if you use the card regularly and can afford it just top up the card that is short. With regards to how bank system work with overdue and unpaid balances, no point taking the risk

and its extra cashback - not extra %. You need spend more on Autopay and Petrol to get the 1x or 2x amount - Online is still capped at RM30