Step 1: Log in to Online Banking or SC Mobile
Step 2: Under "Help & Services", select "Card Management"
Step 3: Under "Card Management", select "Credit Balance Refund"
Refer to step-by-step guidance here for the remaining steps:
https://av.sc.com/my/content/docs/my-cm-credit-balance-refund.pdf
Click here for the full list of available Digital Services.