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Banking Privilege$aver by Standard Chartered, up to 4.75%, Seems like so few people talk about it

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cute_boboi
post Jun 1 2020, 08:19 PM

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QUOTE(datolee32 @ Jun 1 2020, 07:26 PM)
Hi, I just want to update about the interest of credit card spending. Although I open the account after credit card spending, I receive its interest too!
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Same with me. However I'm confused as the "deposit 3k get 2%" amount, is lower than "CC spend 1k 1.5%" amount rclxub.gif calculated at daily-rest-interest

How is it possible 1.5% returns is higher than 2% ? Anyone knows the detail calculation method ?
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cute_boboi
post Aug 22 2020, 10:39 PM

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QUOTE(??!! @ Aug 22 2020, 03:40 PM)
Say-- 1/8 balance b/f = RM10,000
        5/8 transferred RM3,000 into account
          20/8 transferred RM13,000 out of account. Balance after transfer RM0
        Used > RM1,000 on CC during Aug

Would I still get the 3.6% pa interest on the 10k and 3k for the number of days in Aug that the amount were in the account?
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Based on sample given, you will get about RM 0.64 + 12.88 + 9.66
= ~23.18
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cute_boboi
post Oct 1 2020, 10:20 AM

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Both CR Interest and Bonus Interest is in for me on 1st of month (today)
Will wait for CC Spend Interest by 2nd of month (tomorrow)
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cute_boboi
post Oct 2 2020, 11:03 PM

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QUOTE(taiping... @ Oct 2 2020, 10:34 PM)
Thank you again for the reply
How about cashback for credit card?
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It's calculated on a daily-rest basis. Give more details on the exact date and the exact amount of the transactions for 50k balance, 3k deposit, any withdrawal, etc.
cute_boboi
post Mar 15 2021, 11:44 PM

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QUOTE(Tronoh @ Mar 12 2021, 08:38 PM)
Bonus Interest - Debit Spend 0221 is in for me. i thought EOM but whatever. a good surprise.
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Same received it also on 12-Mar, just realise to check after see your post now
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QUOTE(cclim2011 @ Mar 12 2021, 10:27 PM)
got mine as well. rm1 x 5 to bigpay but different days. anyone do the 5x in one day? ok right?
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I did 5x BigPay within few minutes
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cute_boboi
post Apr 26 2021, 09:56 AM

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JOP can redeem cashback
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cute_boboi
post Apr 26 2021, 04:34 PM

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QUOTE(Tronoh @ Apr 26 2021, 04:08 PM)
I got my Interest-Debit Spend today. Or rather yesterday, 26/4.
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Got mine as well dated 26/4. I checked this morning it wasn't there yet.
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cute_boboi
post May 31 2021, 11:34 AM

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Debit spend is in

cute_boboi
post Jun 1 2021, 08:52 PM

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All in smile.gif

Base %
Save %
CC spend %

From the few months pattern that SC is paying the Debit Card %, it seems to move to the following month, i.e. expect it to be last day of the month.
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cute_boboi
post Jun 2 2021, 06:55 PM

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QUOTE(MiKE7LIM @ Jun 2 2021, 01:12 PM)
same figure of dividend will be receive by 3 times right?
My statement is 15th of the month,

Example;
Last day of ex month RM50
+ RM3.xx

1st of the month,  RM50
end of the month RM50
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Simply said, yes.

Accurately speaking, no. It's on daily-rest basis. CC & DC max % on 100k. Base & Save % can go above 100k.
Hence so far DC will be equal to CC.
If you have > 100k , the Save will be higher than either CC or DC. Else if < 100k, then Save = DC = CC
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cute_boboi
post Jun 3 2021, 11:37 AM

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QUOTE(mamamia @ Jun 3 2021, 12:58 AM)
I thought even save also limited to 100k only?
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That's what I thought also, based on Save vs CC vs DC = 0.9% p.a. each.
My CC = DC amount, but Save amount is slightly higher than that.

QUOTE(LostAndFound @ Jun 3 2021, 09:22 AM)
Even if you have <100k (like I do in 2 accounts) still can have difference of one cent.

Oddly enough for May period, one account got exactly same for cc and save, the other got one cent difference for cc and save.

Small matter, some type of rounding I'm sure.
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My CC vs Save difference is between RM 0.50 - 3.00++ for every month. Save is always the higher one. Still haven't figure out the exact calculation for Save yet, but got the rest (Base, CC/DC) accurate up to 1 sen already.

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cute_boboi
post Jun 8 2021, 05:10 PM

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QUOTE(cybpsych @ Jun 8 2021, 04:53 PM)
Revision to Privilege$aver Campaign Terms and Conditions effective 1 July 2021

https://av.sc.com/my/content/docs/my-revisi...gesaver-tcs.pdf
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The only constant is change sweat.gif

WEF 1-July-2021

Base: 0.2% maintain
Save: 0.75% (from 0.90%)
DC: 0.75% (from 0.90%)
CC: 0.75% (from 0.90%)

Total: 2.45% (from 2.9%)

Time to move back to FD ?
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cute_boboi
post Jun 8 2021, 05:18 PM

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QUOTE(mamamia @ Jun 8 2021, 05:11 PM)
Base rate is 0.05% only

Exclude Invest rate :  4.00% > 3.60% >  2.60% > 2.75% > 2.30%
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You are right, I look into wrong row/column in my excel.
cute_boboi
post Jun 23 2021, 11:16 AM

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Debit card spending is in yesterday
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cute_boboi
post Jul 11 2021, 12:47 PM

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QUOTE(wyen @ Jul 11 2021, 12:31 PM)
Guys I just activated my debit card scb liverpool and to fulfill 5x spending so I input rm1 for my tnb bill via apps but its not working with error transaction failed. Is there any min limit is spending using debit card?
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Check TNB if any minimum payment amount per transaction.
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cute_boboi
post Jul 28 2021, 06:08 PM

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QUOTE(MGM @ Jul 28 2021, 04:52 AM)
Maybank.
Problem resolved, fraud dept said i must have  login via 2 devices ie desktop n app which i dont remember doing so, account was blocked n needed to call n reactivated.
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Most of my online banking also access regularly and alternately via desktop and mobile app also for many years. No issue. But only one desktop and one mobile each, although I have multiple desktops/mobiles.
No issue, except the current login will logout the other one immediately, including SC.

Now thinking of it, long long time ago, when accessing through VPN, the banks will call and ask if I'm in Europe/etc. as active fraud prevention. But recent years didn't receive any.
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cute_boboi
post Aug 2 2021, 05:51 PM

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QUOTE(pizza112 @ Aug 2 2021, 09:55 AM)
this month CC spend not yet in?? or just me
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QUOTE(Leroi2x @ Aug 2 2021, 10:26 AM)
You are not alone, im same with you
Perhaps any1 received can share
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BONUS INTEREST CARD SPEND is in icon_rolleyes.gif

Which is somewhere after noon time, as I did a transaction in the morning hours today.
cute_boboi
post Oct 14 2021, 10:42 PM

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QUOTE(zenquix @ Oct 14 2021, 11:28 AM)
anyone having problems topping up ewallet's with their SCB debit card?
Starting this month i have not been able to use it - can't even get to the OTP screen.
SCB keep saying no problem on their end but i have already tried 3 different ewallets/merchants.

This month bonus lis bye bye if this continues
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Used mine earlier this October no issue 5x transaction, similiar like previous months practises.
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cute_boboi
post Nov 12 2021, 02:55 PM

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QUOTE(ronnie @ Nov 12 2021, 12:52 PM)
The 0.75% additional bonus interest for Debit Card Spend.... is there a minimum spend amount per transaction ?
Typically how many days before Debit Card  ransaction is posted to the account ?
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Not sure on minimum, but I spend RM1.00 per transaction.

1-3 working days to reflect posted.
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cute_boboi
post Nov 16 2021, 11:02 PM

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QUOTE(ronnie @ Nov 16 2021, 03:39 PM)
Would reload TnG eWallet be consider as online Debit Card transaction ?
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I'm not sure as I did not load to TnG eWallet. The one I reload to, prompts SMS TAC for the debit card each time (for five times).

I think some eWallets like TnG and/or Grab may not prompt SMS TAC ?

Perhaps others can advise or try it out and report here.
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