SCB Bill Payment Cash Rebate Campaign

Travel without worries when you use Standard Chartered Online Banking and Breeze Mobile Banking. You can pay to 100 billing organisations securely. It's good when convenience is rewarding as well. From 21st July until 20th December 2014, pay 4 bills online or via Breeze mobile and you can get up to RM 20 cash rebate every month.

SCB Credit Card 2014 10% Cash Back Promotion

After Citibank's Choose Your Own Cash Back Promotion, Standard Chartered Bank also launched its 10% Cash Back Promotion for invited credit card-members (through SMS and/or email and/or Direct Mailer) of any SCB credit card (other than corporate cards). The campaign started on 14th June 2014 and ends on 5th September 2014.

SCB JustOne Marathon Bonus Campaign

SCB JustOne Account is a hybrid account with Current Account and Savings Account. Account holder can enjoy unlimited free withdrawals from MEPS and HOUSe ATMs, free Interbank GIRO Fund Transfers via Standard Chartered Online Banking and ATMs in Malaysia and enjoy interest on account balance. All you need to do is to deposit a specific minimum amount of fresh fund in a single transaction into JustOne Current Account monthly.

1-for-1 GSC Movie Tickets with SCB MasterCard Credit Card

The GSC 1-for-1 movie ticket promotion is back again. The promotion is valid for selected Standard Chartered MasterCard Credit Card from 1st November 2013 to 12th January 2014. It is valid for movies on Fridays, Saturdays and/or Sundays.

All you need is to purchase your tickets online via GSC e-payment using any of your Standard Chartered MasterCard Credit Card:

1. Preferred World MasterCard Credit Card
2. WorldMiles Credit Card
3. JustOne Platinum MasterCard Credit Card
4. Platinum MasterCard Credit Card

Principal and Supplementary Cardholders can only make a maximum of 2 purchase transactions only per week and the complimentary movie tickets are available on first-come-first-served basis (total 4400 complimentary tickets).

The offer is only applicable for the purchase of Normal Class GSC movie tickets (2D and 35mm) excluding 3D. Offer is not applicable for purchase of Twin Seats, Premiere Class and/or Gold Class seats. The booking fee for online ticket purchases will be borne by the Standard Chartered Bank MasterCard Credit Cardholder.

This is a good chance for SCB Credt Cardholders to grab the movie tickets and relax yourself after a week of hectic work.

5% Cash Back on SCB Debit Card Spend

Good news to all Standard Chartered JustOne Account holders! You can now enjoy 5% cash back when you shop at Tesco, Giant, AEON (Jusco) and AEON BiG (Carrefour) nationwide, any day of the week from 1 May till 31 July 2013, when you pay with your JustOne Account Debit Card.

The promotion is open to all existing customers of SCB who hold both of the following: 

1. A JustOne Account either in their name alone or as primary accountholder prior to promotion period.
2. Any Debit Card which is linked to their JustOne Account.

The cash back is 5% of the total amount of purchases spent at the merchants using the Debit Card with money from the eligible customer's JustOne Account, irrespective of the number of JustOne Accounts an eligible customer may have, but limited to a maximum total cash rebate of RM 100 per month per eligible customer.

Finally SCB has come up with a good promotion for its existing customers. Start spending with your SCB Debit Card today and enjoy the cash back! Happy shopping!

SCB Online Banking Free IBG

Effective from 2nd May 2013, most of the local banks will revise the Interbank GIRO online transaction fee to only RM 0.10 as per BNM announcement earlier this year.

However, all Standard Chartered Bank CASA holders will be able to enjoy FREE Interbank GIRO Fund Transfers via Standard Chartered Online Banking which was exclusively for JustOne Account previously.

I've been using JustOne Account for almost 6 months now. Overall, I'm happy with the account except the DDA that takes too long time to be done. I've compiled a simple table to show you the benefits of JustOne Account (3 types):

	Personal	Preferred	Priority
Min monthly deposit (single transaction)	RM 1500	RM 5000	RM 10000
Unlimited FREE ATM withdrawals	Yes	Yes	Yes
Free Debit Card	Yes	Yes	Yes
Base interest (SA)	0.25% p.a.	0. 50% p.a.	1. 00% p.a.
Additional interest	1% p.a.	1% p.a.	1% p.a.
Privileges	Be rewarded for your total banking relationship with 360° Rewards Program	Preferred Bankers on demand	Dedicated Relationship Managers & Service Channels
		Enjoy 24-hour Preferred Banking Service Line	Free withdrawals at Visa/Plus or MasterCard/Cirrus network ATMs worldwide
			Free outward telegraphic transfer within Standard Chartered Bank’s network

Please bear in mind that you need to fulfill the monthly minimum deposit in single transaction in order to enjoy the free ATM withdrawals. Your account will be deducted for ATM withdrawal fee upfront and the total ATM withdrawal fees will be credited back to your account in the following month if you fulfill the requirement. I'll recommend you to sign up for JustOne Account to take full advantage of the Free IBG and ATM withdrawals. 

SCB JustOne Account FD Bundle 2

The announcement of BNM to reduce IBG transaction fee to RM 0.10 is actually a hit to SCB JustOne Account, so SCB needs to come out with attractive promotion to get new customers. JustOne Account FD Bundle promotion is back with better deals from 1st April until 30th June 2013.

As compared to JustOne Account FD Bundle 1 promotion, the FD tenure is still 6 month but the minimum deposit required is dropped to RM 5000 and you can enjoy additional 0.2% interest rate if you are new to bank customer who apply for the SCB credit card:

JustOne Account#	Monthly Deposit Requirement (Minimum)	Current 6-month Fixed Deposit Board Rate	Bonus Interest Rate	Total Interest Rate on Fixed Deposit (A)	Exclusively for new Credit Card customers
					Additional Interest Rate (B)	Total Interest Rate on Fixed Deposit (FD) for JustOne + FD + Credit Card (A+B)
JustOne Preferred Account	RM5,000	2.90% p.a.	0.80% p.a.	3.70% p.a.	0.20% p.a.	3.90% p.a.
JustOne Personal Account	RM1,500	2.90% p.a.	0.60% p.a.	3.50% p.a.	0.20% p.a.	3.70%

The additional interest on the 6-month FD only applies to new credit card customers with JustOne Preferred Account/Saadiq JustOne Preferred Account-i or JustOne Personal Account/Saadiq JustOne Personal Account-i. You also need to:  

1. have your SCB Credit Card application approved within the campaign period
2. activate your SCB Credit Card with a minimum one retail spending within the FD tenure
3. keep your credit card account active during the Fd tenure.

SCB always treats new customers nicely, so if you are new to SCB customer, it's a real good chance to sign up for JustOne and SCB Credit Card!

SCB Credit Card Cashback Promotion

Standard Chartered Bank has started another cashback promotion for new to SCB credit card customers. The campaign starts today and ends on 31st May 2013 and is only open to new customers who apply online for a Principal and Supplementary Credit Card.

To be eligible for RM 885 cashback, you just need to perform 3 steps below:

1. Prepare the required documents (myKad, latest 3 months payslips, latest EPF statement).
2. Select the card and complete the application.
3. Email your required documents to SCB within 24 hours (application ID as the email subject).

These are the cashback that you will be able to enjoy once you fulfill the steps above:

Card Type	Sign-Up CashBack for Online
Principal Gold / Business Gold	RM 55
Principal Platinum / Preferred World MasterCard / Business Platinum	RM 55
Supplementary Gold / Platinum / Preferred World MasterCard	RM 30

On top of that, you will also be entitled to the Spends CashBack Reward:

Rewards Type	Spend & Get up to RM 400 cash back	Spend & Get up to RM 800 cash back
Application Type	Principal	Principal & Supplementary
Spends Cash Back Entitlement	Spend minimum RM 1500 per month & get RM 400 cashback. Capped at RM 100 per month for 4 months for Principal card spends only.	Spend minimum RM 1500 per month for each card & get RM 800 cashback. Capped at RM 100 per month for 4 months for Principal & Supplementary card spends.

If you apply for the card and unable to submit the required documents within 24 hours, you will still be eligible for the one time sign-up cashback below:

Card Type	Sign-Up CashBack for Online
Principal Gold / Business Gold	RM 150
Principal Platinum / Preferred World MasterCard / Business Platinum	RM 200
Supplementary Gold / Platinum / Preferred World MasterCard	RM 30

So if you still have not signed up for SCB cards in the previous promotion, now it's the time to sign up to enjoy the cashback!

SCB JustOne Account FD Bundle

Standard Chartered Bank had revised the interest rate of JustOne Savings Account to 0.25% p.a. beginning Year 2013 and there are changes to the naming of the product as well. From 4th February until 31st March 2013, SCB will run JustOne Account FD Bundle campaign with interest rate of up to 4.00% p.a.

To be eligible for the promotional FD rate, you need to have a JustOne Account, sign up for a 6-month FD with minimum fresh fund of RM 20000 and fulfill JustOne Account monthly deposit requirements for 5 consecutive months. There are 3 types of JustOne Account, each with different bonus interest rate, as shown in the following table:

JustOne Account / Saadiq JustOne Account	Monthly Deposit Requirement (Minimum)	Current 6-month Fixed Deposit Board Rate	Bonus Interest Rate	Total interest rate on fixed deposit
JustOne Piority Account / Saadiq JustOne Priority Account-i	RM10,000	2.90% p.a	1.10% p.a	4.00% p.a
JustOne Preferred Account / Saadiq JustOne Preferred Account-i	RM5,000	2.90% p.a	0.80% p.a	3.70% p.a
JustOne Personal Account / Saadiq JustOne Personal Account-i	RM1,500	2.90% p.a	0.60% p.a	3.50% p.a

Bonus Interest will be credited to your JustOne Current Account by the end of the following month after the FD matures. With JustOne Account, you'll enjoy the benefits of free unlimited ATM withdrawals nationwide and worldwide, free Interbank GIRO fund transfers and attractive interest rates, plus the promotional FD rate!

Standard Chartered Online FD

Standard Chartered Bank's FD promotion is finally back. This time, the promotion is on the new Online Fixed Deposit Registration Service with SCB, started from 22nd January and ends on 2nd February 2013 or when the FD fund reaches RM 100 million, whichever comes first.

Update 19/4: Promotion is back, from 1st April until 31st May 2013 or when the FD fund reaches RM 100 million, whichever comes first. Click here to apply.

Online Fixed Deposit Registration Service is open only to individual Malaysian citizens, residing in Malaysia. FD placed via this service must be amounts from RM5,000 - RM50,000 only. Individual customers are able to get the special interest rate of 3.50% p.a. for 6-month tenure with fresh fund deposit. The FD will automatically be renewed for further 6-month periods upon maturity, at the then prevailing board rate.

Tenure	Interest Rate	Special
1 month	2.75% p.a.
2 months	2.75% p.a.
3 months	2.90% p.a.
4 months	2.90% p.a.
5 months	2.90% p.a.
6 months	2.90% p.a.	3.50% p.a.

If you are interested with SCB Online FD,  just register your interest here. Then SCB will contact you within 2 working days.

OCBC Smart Saver

If you're not a parent, but you're looking for savings account that offers high interest rate that is similar to Child's Savings Account, then I would definitely recommend OCBC Smart Saver to you.

OCBC Smart Saver is a high-yield savings account that fosters disciplined savings. The interest rates are determined by these two factors:

• Total cumulative amount you deposit into the account every calendar month
• Any withdrawals from the acount every calendar month

Total amount deposited in account every calendar month	Interest rates (yearly)
	No withdrawals during calendar month	At least 1 withdrawal made during calendar month
RM 0 – RM 49.99	2.50% 2.40%	0.50%
RM 50 – RM 999.99	2.85% 2.75%	0.50%
RM 1000 and above	3.00% 2.90%	0.50%

Updated 9th June 2013


This account is a very good tool to force and discipline yourself to save money. If you bank in monthly RM 1000 monthly, you will be get 3.00% p.a. interest. However, if you make any withdrawal from the account, the interest rate will drop to 0.50% p.a.

Many people will say that this account is good but OCBC branch is too far from my house or in another town. Well, to solve this problem, just like how we settle OCBC Titanium card payment, we can use IBG. Again, I would strongly recommend SCB JustOne CASA, go to sign up the account and direct debit RM 1500 every month into JustOne, then you are able to do everything online.

SCB Credit Card Promotion

Standard Chartered Bank is always very generous in giving out cash and gifts to new customers. This time SCB is giving out 15% cash back for petrol! This promotion starts today and ends on 31st January 2013.

Let's have a look at what SCB offers this time:

• 15% petrol cash back for 6 months, capped at RM 100 per month
• SmartTAG worth RM120 or Touch ‘n Go card worth RM100 for all your travel needs
• RM 55 250 (Gold card) or RM 300 (Platinum card) cash back to offset the GST

If you never hold any Standard Chartered Credit Card or you cancelled the card more than 12 months, it is the best time to apply for Standard Chartered Credit Card to enjoy all the cash back and free gift!

Please take note that the cash back and petrol cash back cap shown above are only for customers who apply online. If you apply through agent or branch, what you will get is of lower value. Read the terms and conditions.

To apply online, please click here. , visit your nearest branch today.

How to Pay Credit Card with SCB Online Banking

I had signed up for the SCB JustOne Current Account, now I'll show you step by step guide on how to pay other banks' credit cards with SCB Internet Banking.

1. First, logon to SCB website.

2. When page is loaded, locate Online Services at top left corner, just below the Standard Chartered Logo. Make sure Online Banking is checked, click Login. If you have not yet registered, please click Register.

3. Enter your username & password, then click Login. For new user, just click Instant Registration and proceed. The registration process is straight forward and has a step by step guide.

4. Once logged in, you will be able to see all your accounts and cards displayed in a summary table.

5. Click Payments & Transfers, then click 3rd Party Funds Transfer/ Bills Payment.

6. Then click Add a new funds transfer payee.

7. Enter all the necessary information and click Next.

8. An OTP will be sent to your mobile phone. Confirm all information entered is correct, enter OTP and click Confirm.

9. The next screen will display that payee is successfully added. A notification will also be sent to your mobile phone.

10. Repeat Step 5, your newly added payee will appear. Click Transfer IBFT next to it.

11. Choose the correct item from drop down money and enter the amount to pay.
12. Click Next. You will be asked to confirm the information. Click Confirm again to pay.
13. Now you're done!