What? 0.3% cash rebate nia?
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I don't know how I found the website. But after a few clicks, the website turned to new design already (which is advertising 5% rebate).

Initially I wanted to get a Great Eastern card, because of its 3% rebate if pay by "Easi-Pay". But then I found that their annual fee waiver condition is kinda strict. They demand a yearly spend of RM18k. Oh hell, I don't I can achieve that.

This Titanium card comes with much loose fee waiver condition.
Annual fee waiver : 12 swipes yearly
GST waiver : min RM10k yearly spending

Although I don't think I will swipe 10k in a year, but its 5% rebate can be used to offset, morethan enough.

Are you really gonna apply for HLB card because of 5 years GST waiver?

I don't really like HLB customer service. Long waiting time, lack of Chinese speaking officers etc...
Today I rang OCBC card centre to inquire about Titanium card and requested an application form. The call was answered quickly and he can answer all my inquiries without keep me waiting. I had a pleasant experience.

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Added on August 26, 2010, 11:21 pmHmm...perhaps you need to do a comparison.
Fix your monthly spending pattern, and calculate what you get at the end of the year.

Scenario 1:
TNB = 100
Telekom = 30
Streamyx = 90
Petrol = 120
Groceries = 100
TOTAL = 440

(1) HLB essential
Full year rebate = 440*1%*12 = 52.80

(2) HLB Classic/Gold
Reward point= 440*12 = 5280 pts (equivalent to approx. RM25)

(2) OCBC Titanium
TNB = 100*5% = 5.00
Telekom = 30*1% = 0.30
Streamyx = 90*1% = 0.90
Petrol = 120*5% = 6.00
Groceries = 100*5% = 5.00
Full year rebate = 17.2*12 = 206.40
Net rebate after deducting GST = 156.40

The difference is obvious.

This post has been edited by chemistry: Aug 26 2010, 11:21 PM

Oh I see...
Yes you do need a second card Go ahead

I don't have a printer but a scanner.
I'm waiting for the form which is sent by regular mail, but will submit it via email instead. I'll post the waiting time later on.

I also considered e-version,but still I need to drop a signature after all. I don't have e-signature...

If you have any other credit card which you have held more than a year, it can help a lot.
For long time already I never used my payslip to apply for cc.

Oh I see.
It is good to furnish complete set of documents

Don't worry, the bank is more desperate than you.

I too realized this only after asking the card agent.
Even though principal & supp share the rebate, I'm still gonna apply for a supp.
If the cash rebate is max out, the extra swiping can contribute to getting GST waiver perhaps.

My mistake~
Yes the waivers are separate.
10k is kinda difficult to achieve.
Will apply for 1 main + 1 supp, instead of 2 main.
Application of main card and supp card cannot be done at the same time, according to the card agent. Supp card can be requested upon approval of main card.

Have you read the activation method in the letter? i believe the instruction is quite clear. sms is not economical coz u still need to pay 30sen. activation via email is FOC anyway. Again, read the letter for instruction.

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Added on September 1, 2010, 10:20 amI decided to apply for an OCBC Titanium through a card agent. It feels good to help ppl make money (while I don't need to pay a cent)

This post has been edited by chemistry: Sep 1 2010, 10:20 AM

I just submitted an application via email to card agent. Let's see how many days it'll take for approval & receiving the card.

nowadays the minimum postage rate is RM0.60.
Plus the cheque's service charge RM0.15, total incurred fee = RM0.75.
The risk is, are u sure the cheque will reach destination (on time & intact)? I don't trust PosMalaysia.

Basic savings account is a good idea.
However, maintaining an additional account will cost RM8 for that annual fee am I right?
May I know which bank (easily available) offers zero annual fee savings account?

I did some survey & comparison among BSAs in local major banks. It comes out that CIMB's BSA2 suits me most due to its vast presence and its obviously higher deposit interest. Most banks offer interest of 0.25% for the first 10k or around this figure,but CIMB gives 0.85%.

Since I am existing client of CIMB, it's easy for me to do intrabank fund transfer FOC. Whenever I want to do IBG trxn, I just need to shift fund from Account X to this BSA.

Amstar is not bad, but I don't like its maintenance fee. I know I can't maintain RM3k.
At the end, it is still not my cup of tea.

As long as you did not reveal your real annual income (by attaching payslip/tax form), you can always bluff one.
The main concern is your existing card's credit limit and credit record.

I have no idea...sorry