Ai...this is not good news for me.
OCBC Ti - 5% rebate on groceries, dining, petrol, bills (Best card so far)
AMEX Gold - 5x points on groceries, books, petrol (2nd best card so far)
EON GSC - Good for watching movies (no need to queue up most of the time)
SCB - Great promotions with guaranteed prize

Err...Ambank for this year only since the current 20% rebate promotion is very good.
Is the 2nd card that is hard to choose

See what budget 2011 got to say...

---

Added on September 23, 2010, 10:04 pmYes, it is included in the cash rebate programme but 1% only which is why I say it's a tricky part. I have double confirmed with the customer service (called twice, different people, should be correct)

This post has been edited by ck3lam: Sep 23 2010, 10:04 PM

I had consulted OCBC CS before I registered the card for autopay. I was informed that 5% cash back applies to utility and phone bill payment via autopay.

Oh they did tell u so?
I would ask the officer to make a black and white statement, then seek clarification from his superior. If he really gave false information, he's finished.

Anybody can clarify it?? Or anybody tried?
Since both called the CS, but get different answer.......

Mm....when I asked them these questions, they asked to hold the line, 2 minutes later he gave me the answer. I called again and the other CS also gimme the same answer. Don't tell me they change the terms and condition. or the CS are blur blur today?

Better call the CS again tomorrow. If they gave me a different answer, I'm gonna scold them. What a stupid bank!

---

Added on September 23, 2010, 10:24 pmMaybe everyone can call the CS and see what the CS told you. I remembered last time I also consult the utilities autopay before card application, the CS told me 5% but today I called, gimme different answer.
Somemore if I made any transaction online (including bill payment), it is considered 1% rebate. What the....

This post has been edited by ck3lam: Sep 23 2010, 10:39 PM

Get a voice recorder software installed in your mobile, and have the CS make the statement once again. Save it as proof.

Calling CS how to get black and white? Record the conversation ? Mm....maybe I email them and see.
Btw, I heard they are currently compiling a list of merchants for groceries and dining. Because dining area where it has other service may not be getting the 5% rebate (need to see your statement whether it is under the correct category), for example dining at ikea still unclear.

---

Added on September 23, 2010, 10:37 pmBut I'm using landline to call. That conversation took me 20 minutes. I don't wanna use the cash rebate that I get for calling them . I'll email them and see. Btw, have you called them and verified?


This post has been edited by ck3lam: Sep 23 2010, 10:37 PM

Two weeks ago I've already called and inquired about the rebate. It was the same as stated in T&C.

Maybe whoever get the first statement has the best confirmation. CS also blur blur one.
I'll write to them to get black and white.

4. As the assignment of merchant category codes is under the Card Acquirer’s responsibility (party responsible in signing up the merchant and assigning the correct merchant category codes), OCBC Bank will not be responsible for any wrong assignment of merchant category codes that leads to the OCBC Titanium Cardmember not getting 5% Cash rebate from any eligible merchants.

6. The OCBC Titanium Cash Rebate Programme involves rebates being awarded to OCBC Titanium Cardmembers for spending through the following: all local and overseas new retail purchases, e-commerce/internet transactions, recurring/auto debit transactions, Installment Payment Plan (IPP) transactions and Mail Order/Telephone Order transactions.


Read the clause 4, hard to make sure the auto-debit system is under which merchant code.

Even so, barring unforeseen errors/mistakes by the merchant/Mastercard/Visa, the CS should not say auto debit of utility only earns 1%.

Wait for ur response...

Just check with OCBC hotline. My Titanium card is finally approved. Need to wait another 2 weeks for the card snail to me.

Finally after a long wait. I think you should get the card in about a week time as postmen all back to work and volume should be back to normal by now.

U all so lucky got good agent.
Twice already i deal with ocbc agent. 1 third party interrupt another never on the handphone.

What are the 2nd best credit card hah?

I shall wait for the next month's statement and know the answer exactly.

Just to elaboarate a little, actually, all cards are available, if you are loaded enough. My point actual was to emphasise the differences between selected cards and those of the mass market in general. After all, having the same name eg WMC or VI in itself is not the same. Its akin to getting a C class versus an S class, despite both being mercs

And as so many seniors had pointed out, CL is not an end unto itself, which is why cards like HSBC Premier only starts off wth RM30K CL. And if one fine day when your card is stolen, what good will a RM100K CL do you? Further, doubt if the cashiers or even your friends know how much is your CL, unless your are advertising it prominently

I can't help but be reminded about the days of the UOB "ONE" Platinum ...

This post has been edited by tgeoklin: Sep 24 2010, 08:17 AM

New credit card came from American Express
Pantai American Express® Credit Card
http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

We have started to discuss this card yesterday.

i failed my ocbc titanium i think because i got too high credit limit on other cards. they would total up my credit limit from other bank and then compare the risk of me maxing out all the cards.

so.. moral of the story is.. high CL not necessary good esp if u have multiple card.