You need to ask yourself what you will use most for the cc. Different lifestyle has different needs, same as cc.
Based on your description, currently OCBC Titanium offer you a lot of rebate especially on online bill payment, dining, groceries, and petrol. Find more on the OCBC website or posts in this thread.

But because of people say so, you don't just go and apply it. You must evaluate it for yourself. Remember, CC may get you into debt if you abuse it.

I would think OCBC Ti for dining (5% rebate) as MCC is applicable worldwide. You may need to double confirm.
I think 2x points is only applicable for WMC or VI. R u holding those cards?
OCBC is giving you additional RM1 worth of GST waive for every RM200 spent (Assuming you spend 10k in a year). If you have reached the RM20 limit for OCBC, then you may consider the other 2 cards.

HSBC seems got some promotions if you spend on a particular merchant at taiwan. You may check the website for more details if it concerns you.

Clear card is for those youngsters' lifestyle who like to drink, chat and surf at coffee bean, hanging out at bar/club, watching movies and so on. In cantonese, we called them "Qiu yan yat zok". Then this card is for you. But the re-launch doesn't seem to have any big difference compare to previous one.

Some even took a month. So, be patient.

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Added on October 7, 2010, 9:29 pmIf you are studying (1st or 2nd year Uni student), I think you can get better promotions like free netbook and lower monthly charges.

This post has been edited by ck3lam: Oct 7 2010, 09:29 PM

I would just like to know how sure you are Maybank is calling? Do they ask you for card and personal details in order to block the card? I remember last time there is a telephone number similar to Ambank call center where they told you that you have swipe your card for a few thousands (which of course you never did), then they said they will transfer you to Bank Negara. From the so-called fake Bank Negara, they said they need to verify your personal information. Since when someone is in panic, they may give out all the information. End up Ambank made an announcement saying that do not give your credit card/personal information to that call number as it is a fraud. The call center number only can receive calls but cannot do outgoing call.

If such case happen and you receive a call claimed to be the bank and saying you have made a fraud transaction, what would you do?
Hang up the call and call the actual call center to be safe?
What are your guys experience?

Btw yuunasue, have you ever give your last 3 digits at the back of your card to anyone before?
Or have you ever make an internet transaction using your card on a public computer or any suspicious websites before?

You only scanned the front CC for the application right? Nowadays, using CC to apply another CC only needs the front side of the card, last time they need the back also (but I always use pen to cross the 3 digits until cannot see before passing to agent or even bank).
Is CTB bank also internet transaction?
Next time, you may consider activate 3D Secure password as well.

Mm, not much fast foods restaurant accept CC, so OCBC Ti also unable to use


I guess a lot of people complain about GST charges, so gov have to come out with another plan, like the possible proposed 2cc implementation. But limit 2cc will definitely affect the bank business, bank will make noise later. As I believe CC somehow becomes a necessities, I think 8 out of 10 people are holding at least one CC for its convenience. So maybe if you hold more than 2 cards, then only GST will be charged for the additional one. Bank still can get their business, average CC holders complaints may be reduced.

Well, can this really reduce card debts? I doubt it. Holding 2cc or GST charges doesn't really solve the root problem. People can have 2cc with high CL and debts, GST can be waived by bank or points redemption.
Good education and awareness should help people prevent from getting debts or learn how to settle their debts.

Mm, just have to wait and see.

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Added on October 9, 2010, 11:02 pmKesian...the customer doesn't appreciate it. But I think the customer wants less trouble (not saying you are giving trouble), just when he/she needs to pay you back in cash and doesn't have those small money like cents.

However, if you are lending them a privilege card at the counter to get rebate, I believe they will appreciate it like Jcard for example.

This post has been edited by ck3lam: Oct 9 2010, 11:02 PM

Maybe can suggest posting useful and accurate information on GST at the first page? The current thumbnail image cannot be enlarged and not much information. So people will not need to ask over and over again?

Well, a forum is a place for discussion and share opinion.

Btw about lazy to read, I think some people doesn't know how to use the search function. Maybe the first post can ask them to use the search results as post before posting (if their answer is not there).

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Added on October 10, 2010, 12:04 amDo you tell them they will get rebate when you swipe for them?

This post has been edited by ck3lam: Oct 10 2010, 09:33 AM

Haha...if I go KFC next time and someone offer me this, I'll take it. A win-win situation are welcome.

Or maybe their first thought is I do not know you, why you treat me so good. You must have other bad intention behind.
Or maybe the small rebate doesn't interest them if they are buying not much.
Or maybe they want the full rebate 10%.

All kinds of people out there.

EON bank has renewal bonus 1% if you spent RM5k in a year.

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Added on October 9, 2010, 11:27 pm
Sometimes I just wonder why the CVV2 needs to be published at the back of the card and not mail to the cardholder. Is it because they afraid the card holder will forget about it?

I don't really feel that secure when passing credit card for making purchase at merchant as some shops will jot down your credit card number and if they just flip it, they can see the CVV2.

In my opinion, Verified by Visa and Mastercard Securecode should be a mandatory password to perform any internet transaction so fraud cases can also be reduced. So even if they saw the CVV, risk can be minimized.

Another thing will be activating sms alert if some amount of figure is being charged. Although it's not really a prevention but at least you'll get notified.

This post has been edited by ck3lam: Oct 10 2010, 10:17 AM

EON admin charges
Unless this website is outdated and the bank increase the admin fees.

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Added on October 10, 2010, 11:46 amYou did actually? I was thinking almost the same but instead of blank, put a fake CVV on it . But I didn't do it, just have this on mind.
Normally I prefer to pay at the cashier counter instead of asking the waiter (if restaurant) to come. Or follow them when they say need to go to other places to swipe (like stalls in shopping mall).
And always check whether I receive the same card (my name on it) when they return it to me. There are cases where some unethical cashier switched the card when they return it to you.

This post has been edited by ck3lam: Oct 10 2010, 12:29 PM

MilesAndMore is correct. But do bear in mind that buying stuff at petrol station shops like mesra are not applicable, only entitled you for 1% rebate. CS said it has different code, you can try and see if you don't believe them.
Wait for the statement comes out this month, I believe a lot of people will share their 5% rebate transaction merchants.
Some of the supermarket/restaurant are currently "suspected" for not entitled the 5% rebate.
- Jusco supermarket
- Starbucks/coffee bean or similar
- restaurant in ikea

The Singapore Airlines KrisFlyer American Express® Gold Credit Card I believe.

You can use the search function in this forum (remember to check 'show results as post'). You'll get a lot of information.


Not really. if you only want SA, AMEX is the best (SA purchase online: RM2=2 points, others: RM2=1point). Premiermiles needs RM3 = 1 point but give you variety of flight choices.
But do bear in mind CTB has extra promotions during signup. Compare yourself which one suit you better.

This post has been edited by ck3lam: Oct 10 2010, 01:53 PM

Do you know at least what that transaction is all about? By looking at the amount charges, can you recall something?
I'm just wondering how it can happen as the card is with you all the time.

Btw, some advices from me.
I think it is a good habit to always check the unbilled transaction online, so you can recall instantly since it is just a few days ago.
Activate sms alert whenever it is possible for certain amount of charges.
Activate 3D secure password for online transaction.

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Added on October 11, 2010, 12:12 amAny idea why they need to write it down? Last time I used to ask the cashier why they need to write down, they said it is for reference purpose. Huh?

I think Malaysia is not used to key in PIN number as some other countries do when making transaction at merchant. Maybe credit card needs to be redesigned, probably improved visa wave or paypass with fingerprint verification. So the card will never need to pass to anyone.

This post has been edited by ck3lam: Oct 11 2010, 12:12 AM

I know you think it's more efficient to apply all at the same time, but cc application is not like housing loan application where you can choose which loan you wanna take and reject the others. Once you apply, you have to pay for the GST. If it is waived, it's bank pay for you.


Apple ID use email as the user ID to differentiate if I remember correctly, it doesn't matter what is your name and there is no IC verification. There might be hundred of people having the same name in this world.


Drop in card ownership doesn't mean drop in debts. Debts is what concern the most, not how many cards you are holding. A bit misleading.

There are always T&C applies, normally you need to hold the card for at least 6 to 12 months before you cancel. Otherwise you might get some penalty I guess.

Only they think we are stupid. Drop in card ownership is just an excuse for them to continue with the CC GST.
But if they can use those collected money to improve on education and awareness, it will be great.
Hope they can come out with something good and really benefits the majority of Malaysian in budget 2011.

This post has been edited by ck3lam: Oct 11 2010, 11:09 PM

Why the bank cannot be a bit creative like the OCBC? Since this card main focus is on touch n go, if every reload will entitled for certain percentage of rebate (not greedy, 5% haha....), I believe this card is going to be like hot cake after OCBC Ti.

However, you need to take out this card from wallet everytime you pass a toll and put it back each time. Otherwise, if you place under sunvisor or smart tag, you may forget to take it out when leaving the car once in a while. You cannot leave it in the car like normal TNG (for some people).

This post has been edited by ck3lam: Oct 11 2010, 11:33 PM

Oh coffee bean is entitled for 5% as well. The CS is wrong again. But I remember you said starbucks before?

Chinese medicine shop also can? What shop is it that it accepts CC?

Luckily OCBC allows IWK online cc payment before my due date.