Citibank, their platinum cash back require RM48k income per annum only.

I faxed in the Titanium card application Wednesday last week after 5pm, checked yesterday it was sent out on Wednesday this week (exactly 5 working days to process as informed by OCBC CS) but yet to received it today as Selangor holiday.

Satisfied with the CL assigned to my account, but then again comes next year the CL is not much of use since rebate capped at RM50 a month only and therefore CL of RM2K more than enough. Going to take advantage of the interest free period until end of year tho.

I did also check with OCBC CS and was informed that there is no cap of RM30 a month for petrol.


you are right that this card is not worth it if spend more than RM1-2K since the monhtly rebate is capped at RM50 and no incentive to use it once we reached the capped amount. Having said that, this card is excellent for petrol and groceries for up to RM1K and to me most importantly it comes with auto waiver for annual fees and GST which saves me time asking for waiver.

To me having both OCBC and Alliance is a good combination if one spends RM5K - RM6K a month. With this two cards, the max cash rebate comes out to be about RM1316. For those spending more than RM6K a month, having these two cards still give max benefit, just that got to keep track when to use the 3rd card (if got merchant discount/offer, better to use other cards than getting 1.5-5% cash rebate).

that's my plan also for OCBC Titanium, purely for petrol next year onwards.

Now with OCBC Titanium, I will get 6.5% cash back from petrol since I use Esso which gives me 1.5% cash back when redeeming smiles points for petrol

My own strategy is to max it with all the 5% stuff especially DINING as that is a segment not being covered by other cards. Example would be internet bills (utility), power, water. I don't mind living with 2.5% for petrol and mobile phone bills if my expenditure for the other parts can hit RM1k a month.

This post has been edited by zenquix: Aug 27 2010, 10:43 PM

wah, you do eat a lot but you are right that OCBC is the only card that gives 5% cash rebate for dining. However the places I frequent for dining have discount or offers which is more than 5% for other cards except for TGIF.

As for mobile phone bills, I'm too lazy to go change.

1K very easy if you offer to pay for colleagues hehehehe. Anyway i think with petrol + dining + grocery + utilities, i think can hit RM1k. the rest can use Alliance.

how come the citibank platinum CL is so low? then I think the highest CL give to platinum holder is still hsbc 30k ohh right

can use the cc to pay the bill which not under the card holder's name?

recently i applied for HSBC CC through online application. They did send me an email initially, mentioning that my application was rejected, but within the next 24 hours I got another email stating that my application had been conditionally approved. Is this normal?

Conditionally approved likely means additional documents or clarifications will be required.

yes you can.

How to use the cc to pay the electric, water or phone bill for others?
Just apply for my 1st cc.........
So need to ask those stupid question.

on the conditionally approved part, i got it. my main concern is that, i applied through the system only once, but why did I received two contradicting responses? first is rejection, 2nd is conditionally approved.

even kena CTOS, citibank also give me better credit limit after 2 years holding their card....

12k

but recently i took their cash on call facility n balance transfer u think can increase again?

You can call their hotline for clarification.

Don't think Platinum highest is 30k so low. According to the chart below, silver card can already reach 30k.

This post has been edited by Dannyl: Aug 28 2010, 02:02 PM

That is not the highest. It is actually the lowest. All HSBC Platinum and Premier credit card start with RM30,000 of credit line.

Which bank giving free GST subsidize?
As far as I know:-

1. SCB, free 11000 bonus point to redeem.
2. OCBC, spend 10k per year.
3. EON, spend 24 times per year.
4. AM bank, join BT or EPP to waive.

how's alliance? MBF? Maybank? RHB?

HSBC Premier 200k start.. I think no set highier limit, global premier card with diff limit in their country so..

just curious... why is everyone going for higher credit limit?

ocbc - from the t&c the 5% is oni for aug-dec. after that is 1%, is it true?

are u talking about ocbc titanium?
Aug - Dec 2010 max cash bash cap = RM100
Jan 2011 onwards = RM50
no changes on the cash back rate

This post has been edited by SeanChang: Aug 28 2010, 04:40 PM