Not sure what he tried to mean; best CC from MBB or best CC in the market.

it does make sense. but why they have to stated '3yrs'? after 3yrs suppose to be the same rite if that the case

I guess the RM2K at 0% offer is only valid for 3 years in that case

you will need to go to the branch and fill in a form to open online banking
then they will gv u the pin

The bank reserves the rights to amend its T&Cs anytime without notifying customers.


There was no double standards. I was Alliance PB customer but the currency conversion done on my Visa Platinum seemed to be a bit high compared with other cards. And now, I have terminated my PB account as well as the Visa Platinum with Alliance last week. I was disappointed as Alliance rejected my request to compensate me with 10,000 points for the RM50 service tax which will be charged next month.


This OCBC Titanium MC comes timely as a replacement to my Alliance Visa Platinum which has just been cancelled last week. I have just submitted the application to OCBC HQ today, and hopefully I will get the card next week.

This post has been edited by winner: Aug 20 2010, 08:57 PM

i thk he's looking for best cc in the market, else he wouldn't mention Citi

The ocbc titanium now seems to be the best CC in the market??

sorry la, i typed it in a hurry, boss in front of me

ok, re-type, i shortlisted 2 CC, citibank cash back and that maybank CC.

btw, I want to use my CC only to fill petrols. using my maybank debitcard so troublesome la,
they deduct rm150 first and then they will give back the balance.

ocbc titanium ya?

Clearly it is.


Yes. 5% cash back for any petrol station company. The maximum rebate for petrol is capped at RM30 though. What's more, just charge RM10,000 to your card in a year and they will credit an extra RM50 into your account to help you to pay for the credit card service tax

http://www.ocbccards.com.my/titaniumIndex.aspx main website
http://www.ocbccards.com.my/titaniumRebates_tncEN.aspx T&C

but but but is it easy to do monthly payment for this CC since OCBC is not so popular than MBB, CIMB, etc?
within 5km radius of my house, there is maybank,cimb,public,bsn,citibank,RHB.. but not OCBC

winner, I am surprised that you closed your PB with Alliance. They are offering 3.3% for 1 year FD presently and Debit card gets 2% cash rebate.

From your previous posts you do seem to spend a lot and therefore should be getting max rebate per month at RM68+, that's RM18 more a month than OCBC RM50/month which works out to be RM216/year and after deducting RM50 for GST still get RM166 more than OCBC Titanium and that's not including the reward points (can get up to 60,000 points if spend RM5K/monthly which gets you about RM200 JJ shopping vouchers).

Than again, you got Just One

In my opinion Alliance Plat is a pretty good card (not considering the CS which can be damn lousy depending on who is attending to you) if one spends about RM5K/month.

Yes if purely for petrol, groceries and utilitles as it has auto annual fee waiver and GST waiver.

No. in terms of merchants/outlets discount and overseas spending (other cards offer 2X reward points).

No if you spend more than RM1K month as rebate capped at RM50/month comes next year. See my comments on Alliance Plat above.

In my opinion, this card is good as a primary card and once hit the maximum capped amount, start swipping with another card.

Just do an online IBG Giro. Depends on which bank you transfer the money from, the charge can vary from a mere RM0.50 to RM2.00.

This post has been edited by MilesAndMore: Aug 20 2010, 10:49 PM

does credit card holder(but not deposit account holder) entitle for allianceonline banking? i was not offered this service when i sign up for cc.

I was rather disappointed with Alliance as when I requested an alternative incentive from them pertaining to the service tax, they immediately said NO without any hesitation. In the end, I cancelled my Alliance Visa Platinum and closed the premium account. Anyway, I downgraded the Premium debit card to Platinum debit card, and I still can get 1.5% cash back from the Platinum debit card instead of 2% rebate from the Premium debit card.

Besides, with the fresh yearly cash back from SCB JustOne, I don't need Alliance anymore, at least for the time being.

maybank2u charge how much to pay to OCBC normally?

answer:
interbank giro transfer from maybank2u to OCBC credit card payment = rm2. is it immediate or need to wait for 1 working day?

answer:
got it, described in maybank2u.



so, finally, ocbc titanium mastercard is the best?

This post has been edited by s@ni: Aug 20 2010, 11:05 PM

basic saving account holder - rm0.50

others type of account/non account holder -rm2

Transfer is not immediate. If you do it before 12pm then transfer is within the same business day.
After 12pm (even though 1 second) then next business day.

TQ2
so most of LYN users are using ocbc titanium?

Don't forget that the OCBC Titanium offers 5% cash back for Dining. This option is unique compared to the other cards. The utilities cash back also does not seem to infer that direct debit is required so quite easy to get rebates from those electricity and water bills.... challenge is where to pay... ^@%# merchant code

Just wondering - I have a HSBC card here which has a credit guarantee from HSBC offshore (UK) as I don't have any income or savings at all in Malaysia, would this still gain me any kind of credit rating here if I'm paying off my card in full each month, to allow me to maybe apply for a different card in the future?