However, the benefit offered by this card is not better than SCB Business Platinum series.

This post has been edited by winner: Sep 23 2010, 05:08 PM

Finally I received the SCB World MC today. It shares the same CL with my existing JustOne Titanium MC and the CL remains unchanged.

The funny thing is that the new card was not attached to the World MC brochures. It was sent together with Platinum cc brochure instead, which states 0.5% cash back and 3x choice points for overseas purchases. It was totally wrong. The staff who sent the cc to me must be unfamiliar with the new product.

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.

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

My SCB JustOne cc has hit the maximum annual cash back limit today. It is time to put this cc in cold storage for another 10 more months again.

I think OCBC will give you a lower CL.


As told by the CS to me, all bills done via autopay will earn 5% as long as they are recognised as utility and phone bills.

The former. I chose a green type.

They try to clear the old stock. I don't think they give away the new model.

At the shop that I redeemed the 2GB iPod shuffle, I saw the retail price of the old model was RM179.

On a different note, the last swipe of my SCB JustOne would exceed the maximum cash back. I eager to see whether I still can get more than RM600 this time around.

Frankly speaking, CIMB World MC's benefits are not even comparable to Platinum series offered by other banks, such as SCB.

SCB Platinum can grant you unlimited access to KLIA Plaza Premium Lounge, while CIMB World MC or VI, such a great joker, blocks you from entering airport lounges.

Besides, SCB Platinum can give you 3x points on top of 0.5% cash back for overseas transactions. You may feel SCB's admin fee on forex exchange is high but CIMB's rates are not much better. It's MBB who can give a better rate.

If you are on business trip and able to get full reimbursement from your company, who cares about admin fee on forex exchange. I have been taking advantage of the high cash back rates and huge points obtained from my CCs when undertaking assignments in overseas.


It was SCB VI that gave Priority Pass for airport lounges access. SCB VI is still be equiped with this feature. Forget about CIMB VI. Despite giving a minimum CL of RM100,000, CIMB VI has NOTHING to shout about. Its 0.5% cash back on local transactions is simply pathetic. It also does not allow you to access airport lounges, and not even KLIA Plaza Premium Lounge.

If you are really keen on VI from CIMB group, try to get DA VI instead of CIMB VI. At least you can get 2% cash back for petrol from DA VI.

I just came back from Pavilion and obtained an instant DA VI in 50 minutes. As CIMB/DA WMC and VI are not my cup of tea, I applied for DA VI because I just want to do BT with DA. I made an extremely big swipe using my SCB cc a few days ago. The developer allowed me to charge down payment via cc.

I have never done BT before. Since CIMB Group is having BT promotion of 0% interest for 6 months without upfront or handling fee, I should take full advantage of this promotion. I have my reserve fund in FD form to settle the down payment. With this 0% interest with CIMB, I can delay making payment. My fund can still be kept in FD for 6 months to earn a little bit of interest.

CIMB staff at Pavilion kept pushing me to get both WMC and VI. But I do not really like both WMC and VI from CIMB/DA so I only chose DA VI. By the way, the card does not look appealing as it is not a shiny type.

The 1-hour instant approval for CIMB/DA WMC and VI can only be done in Pavilion or Damansara Heights from 11pm to 3pm daily (Pavilion) and Monday to Friday (Damansara Heights) by end of September. Minimum income requirement is RM200,000 per annum

For instant card approval, even you have your existing card that meets the minimum CL requirement, they still want you to show your income statement to support your application.

My existing cc meets the minimum CL as mentioned by Rokefeller. When I walked in to the counter this afternoon, the staff indicated that for faster result for DA application, it would be better to submit income document. So I submitted a copy of my SCB JustOne Titanium + EA form + Master's Degree certificate. I did not receive any call from them for clarification. I only returned to the counter after 45 minutes and was informed my card would be ready in 5 minutes. Also, they served me tea during the 5-minute waiting time.

I have activated autopay for TNB, TM, DiGi and Astro, as well as spent at Coffee Bean and Tesco. The result will be known when I receive my statement next month.

As for my first statement, I only managed to swipe the card at ESSO, Parkson and Tangs. And yes, I obtained 5% for ESSO.

A few possible factors:

1. Which card did you apply for? CIMB or DA?
2. When did you apply? During weekday office hours or weekend?

It is quite difficult and troublesome to check the cash back details given by OCBC Titanium MC, if you have done too many transactions in the particular statement month. It only shows the cumulative cash back for 1% and 5% respectively.

No. Banks won't show these to customers.

I have done enough research and comparisons before I decided to apply for DA VI. OCBC 0% interest BT promotion is not as good as BT programme from CIMB/DA, due to the following reasons:

1. OCBC allows you to transfer up to only 60% of your available CL, whereas you are allowed to transfer an outstanding balance of up to 100% of your available CL in CIMB/DA to CIMB/DA.
2. Under the OCBC BT programme, you need to settle a monthly fixed installment in order to avoid interest, whereas CIMB/DA BT allows you to pay only minimum payment every month without charging interest. You only need to settle in full in the 6th/7th month.