aiya. my boost transaction 1k on saturday still unposted...

In determining whether the minimum card spend has been fulfilled for the relevant calendar month, the Retail Spend charged to the qualifying SCBMB Credit Card will be consolidated based on the transaction posting date.

https://av.sc.com/my/content/docs/campaign-tc-psa.pdf

Hi I have a privilege savers account with SC. But when I applied last time, I got rejected for their credit card. Now I would want to apply for their credit card again, can I just apply for any of their credit card and it will be linked to the SC privilege account? Or is it just specific cards?

Card Spend
Bonus Interest Rate on credit card spend is applicable to all SCBMB credit cards (“qualifying SCBMB Credit Card”).

https://av.sc.com/my/content/docs/campaign-tc-psa.pdf

Guys, Base Interest and Save Bonus Interest for May 2020 are in.

Card Spend Bonus Interest for May 2020 is expected to be credited by end of today (first working day of the following month) as per product T&C.

Guys, i got this Privelege saver account debit card in November 2019. So do i just transfer in rm3000 to thr account monthly to enjoy 2% interest PA? Also how does the investing works? Appreciate any help.

i got it. 1k transaction unposted yet (shown unposted). but before opening the psa i did other spending. so not sure which qualified me to the card spend bonus.

but number a bit weird. I have base 0.6, card spend 11.53, saving 12.13

11.53 is a bit weird. shouldnt it be ~9.07

my three days balances is 61k, 80k, 80.5k. average 73833.3.

oh really... i see. let's see if they retract

new to this account (less than 1 month), didn't get the deposit bonus, saw the card spend bonus, is it it will credit later or i just missed the criteria? thank you.

I saw there is hibah and hibah bonus in my account, may i know what are them refer to?

I see, is Hibah and Hibah bonus refer to the saving 0.1% interest?

My descriptions with a Saddiq account look like this:-

HIBAH CREDIT - 0.1%
BONUS HIBAH FOR THE MONTH 0520 - 2%
BONUS INTEREST-CARD SPEND - 1.9% (dunno where the 0.4% came from this month)

Surprised to see Interest word there, checked back even past month also had the same description. Haram wei =p

Hi all. Wanna check the interest calculation of this account, if i transfer fresh fund by mid of the month, the interest calculation start from 1st day or the day after I transfer fresh fund?

Thank you for your reply. As long as I transfer 3k fresh fund in any date of the calendar month, the MAB interest will start counting by the 1st day of the month right?

hi for fresh fund... i always have doubts. say i instant transfer out today 15k to pay credit cards of other banks. then mid of the month i transfer 3k in. is that fresh fund? or must be 15k + 3k = 18k? thanks.

Case 1 with MAB of above RM 100k
If your opening balance on the 1st (end day) is RM 100000 and you deposit RM 3k on 2nd, your MAB is RM 102903.2258
If your opening balance on the 1st (end day) is RM 100000 and you deposit RM 3k on 31st, your MAB is RM 100096.7742
So, your base interest and deposit bonus interest will be calculated based on the MAB which is no cap. Difference of interest earned is RM 5.00
But your card spend bonus interest will be capped on the 1st RM 100k, so it won't have effect for MAB above RM 100k.

Case 2 with MAB of below RM 100k
If your opening balance on the 1st (end day) is RM 50000 and you deposit RM 3k on 2nd, your MAB is RM 52903.22581
If your opening balance on the 1st (end day) is RM 50000 and you deposit RM 3k on 31st, your MAB is RM 50096.77419
So, your base interest and deposit bonus interest will be calculated based on the MAB which is no cap. Difference of interest earned is still RM 5.00
As for your card spend bonus interest, the difference of interest earned will be RM 3.58
Total in difference of interest earned will be RM 8.58

Hi, I am new to this account. Would like to ask, to be qualified of the 2% deposit bonus interest, I need to deposit min 3k fresh fund into this account every month?

Since I don't have 3k savings per month, can I deposit 10k the first month, end of first month I withdraw 3k and deposit back in the 2nd month to get the 2% bonus interest in 2nd month?

hi all, is the daily interest credit into account everyday or only credit at the end of the month in one shot?

FF = fresh fund? if come from other bank, under what condition it is not considered FF? Within same day? Thanks.

Hi, I would like to ask about monthly average balance calculation. If i deposit RM 1k at 11pm tonight, interest from RM1k count today or tomorrow?

I have performed the credit card payment last month. PSA account money was deducted but found that the money is not credited into cr card on same day.

I did not checked on credit card limit. As i perform future date payment (which is on credit card due date) and i checked on that day, found that the payment yet credited into cc, the payment was only reflected after that, but not in same day.