I was hoping for the Mac but end up with the iPod shuffle also (not sure it's 2GB or 4GB). Assuming it costs about RM250 max, so it's like 5% rebate or less for 5k spent. Latest iPod shuffle 2GB only RM179. If spent 2.5k, then it's like 10% rebate. Remember last time they give different guarantee prize for different tier, but this time seems the same.
Like you said "better than none" (I would prefer if they can gimme cash rebate but hopefully they don't send me the pink color one.

Ambank has just changed their terms and condition this month to get 20% cash back.
Just pump RM50 (Count in block) during weekends and you will get 20% cash back!
Of course there is always a cap. Max cash rebate is RM30 per month. Then switch to other card lo.

For groceries, spend RM100 and get RM20 rebate! Capped at RM50.

So basically you spend RM400 and get RM80!!! If combine with other cash rebate cards such as OCBC Ti Card, you can get more than a hundred cash rebate easily per month.

Mm...assuming you are spending 1.4k per month (Dining, petrol, groceries, bills) on average, you will get a total of RM130 cash rebate per month. 4 months (until end of 2010) will be RM520 saving!!

So if you are a big spender with 2.4k per month on average, you get a total of RM720 rebate for 4 months!!!
That is almost you can get a new iPod Touch as a Xmas present^_^ None of the rewards points redemption I know can beat this.
>>Ambank 20% cash rebate!<<

Of course deal is better when you have promotions. From Sept to Dec, that is already Rm320 saving if you spend RM1.6k for petrol and groceries which is consider necessities for me. The rebate is on top of reward points.
If you are new cardholder, it is still worth it.

That is only if you want to maximize the cash rebate benefit. If you are just using OCBC Ti card, it's hard for you to achieve that target. If you use only OCBC card for petrol and groceries, it will require you to spend 6.4k to achieve RM320 rebate compare to Ambank 1.6k (with rewards points somemore).

This post has been edited by ck3lam: Sep 9 2010, 12:00 PM

No, it's only capped at RM80 per customer per month. RM30 for petrol, RM50 for groceries. So, it will be either RM80 rebate for 4 months using Ti card (guaranteed) or RM320 rebate (4 months) for using Am card (not guaranteed, only points are guaranteed). But I would think if you use Am card and spend it in the early of the month, you will most probably get it. At other times, you can use the Ti card. So far I do get the rebates for the previous statements even on the last weekend of the month I spent it but that time the T&C is different.

That's why the latest iPod shuffle is back to the 2nd Gen button design. Once the earphone is broken, u can't use normal earphone which doesn't have the remote control. The original earphone that I saw in authorized shop cost about RM170. I thought the iPod shuffle will be delivered to your doorstep? Need to redeem yourself one ah? But I guess if you redeem it yourself you are allowed to select the color, right?

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Added on September 9, 2010, 11:06 pmI just use the short form, it's your OCBC Titanium card.

This post has been edited by ck3lam: Sep 9 2010, 11:06 PM

Yes, the cashback is RM120 but don't forget you are going to spend 2k for petrol, groceries, dining and utilities + another 2k for others to achieve that target.

What I'm trying to point out is through combination, you can get more rebates.
Spending Am card RM400 and Ti card RM1.6k can get RM160 rebate instead of just RM100. But if you are spending that much, maybe RM60 doesn't mean anything. But it's more than enough to cover 1 year GST charges. For 4 months, you will get extra RM240-RM50 = RM190 + 1600 points.

Ok, if one is really that unlucky to get a single rebate for 4 months, he will lost RM80 rebate since he didn't use Ti card. But he will still get 1600 points which will be equals to RM8. Well, depends on how you judge it. RM80 guarantee or RM320+RM8?

Actually not just Ambank, other banks like Public and HSBC have also their own cashback promotions. If you have those cards, you can get even more rebates by spending less. SCB card also has great cashback during signup, the guarantee gift promotion is just over. This bank seems to have a lot of great promotions this year. Waiting for its next promotion.

Of course for non-Promotion periods or most of the transactions, Ti card is so far the best rebate card.

Comparing so many cashback cards, the citi cashback doesn't seem to be that attractive anymore, unless u buy stuff in G-dian/W-sons.

I saw the HSBC on top 25% is everywhere near department stores. If you buy clothes a lot, maybe this is a good card? Somehow I saw it mentioned that you have to buy the stuff between 9pm to 12am to get the cashback
I didn't have that card as they rejected me a few years ago. Well, I don't buy clothes a lot, so I hove forgotten about it (like you said)

No need to wait, just if u need to pump petrol during weekend, just use that card. For petrol, they capped at RM30 which means you only have to pump RM150 (RM50 in block) to get it.
For me, I only use that card during weekends. For weekdays, Ti card still the best

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Added on September 10, 2010, 11:30 amSome banks will credit the rebates to your account after few weeks. Since you said 2 weeks ago, could it be it only credited to your account next month?

This post has been edited by ck3lam: Sep 10 2010, 11:31 AM

I can't recall whether anyone mention it or not but do take note that the 5% rebate of utility/phone bills only applicable if you swipe the card at the merchant. Auto debit and online payment/transactions only entitled you for 1% rebate.

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Added on September 23, 2010, 9:47 pmLooks like you have already done it. It only entitled you for 1% rebate. I have verified with the customer service. This is a tricky part. But for TM, TM itself will deduct RM4 for autopay. Depends on how much you spend, almost the same for me either auto debit (RM4 + 1% rebate) or pay through merchant (5%-petrol-parking fees).

This post has been edited by ck3lam: Sep 23 2010, 09:47 PM

Ai...this is not good news for me.
OCBC Ti - 5% rebate on groceries, dining, petrol, bills (Best card so far)
AMEX Gold - 5x points on groceries, books, petrol (2nd best card so far)
EON GSC - Good for watching movies (no need to queue up most of the time)
SCB - Great promotions with guaranteed prize

Err...Ambank for this year only since the current 20% rebate promotion is very good.
Is the 2nd card that is hard to choose

See what budget 2011 got to say...

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Added on September 23, 2010, 10:04 pmYes, it is included in the cash rebate programme but 1% only which is why I say it's a tricky part. I have double confirmed with the customer service (called twice, different people, should be correct)

This post has been edited by ck3lam: Sep 23 2010, 10:04 PM

Mm....when I asked them these questions, they asked to hold the line, 2 minutes later he gave me the answer. I called again and the other CS also gimme the same answer. Don't tell me they change the terms and condition. or the CS are blur blur today?

Better call the CS again tomorrow. If they gave me a different answer, I'm gonna scold them. What a stupid bank!

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Added on September 23, 2010, 10:24 pmMaybe everyone can call the CS and see what the CS told you. I remembered last time I also consult the utilities autopay before card application, the CS told me 5% but today I called, gimme different answer.
Somemore if I made any transaction online (including bill payment), it is considered 1% rebate. What the....

This post has been edited by ck3lam: Sep 23 2010, 10:39 PM

Calling CS how to get black and white? Record the conversation ? Mm....maybe I email them and see.
Btw, I heard they are currently compiling a list of merchants for groceries and dining. Because dining area where it has other service may not be getting the 5% rebate (need to see your statement whether it is under the correct category), for example dining at ikea still unclear.

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Added on September 23, 2010, 10:37 pmBut I'm using landline to call. That conversation took me 20 minutes. I don't wanna use the cash rebate that I get for calling them . I'll email them and see. Btw, have you called them and verified?


This post has been edited by ck3lam: Sep 23 2010, 10:37 PM

Maybe whoever get the first statement has the best confirmation. CS also blur blur one.
I'll write to them to get black and white.

Ai…guess what? Today I called CS and they gimme a different answer.
- Auto billing only entitled for 1% rebate (Same as yesterday but different from 2 weeks ago)
- Online bill payment entitled for 5% rebate (This is different from yesterday)

Now I’m waiting for their email reply for official black and white confirmation. I guess their terms and condition also make them blur blur. We need a lawyer here

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Added on September 24, 2010, 1:14 pmMaybe they wanna offer you the platinum card since you have high CL?

Somehow they will see whether you have a good repayment history (do you miss any due date before?). They may check the CCRIS if you are holding many cards I guess.

This post has been edited by ck3lam: Sep 24 2010, 02:11 PM

Finally, I have received email confirmation from the bank.
“5% rebate is applicable for Utility Bills regardless of how it is paid, whether through the counter, Call n Pay, Internet or Auto-Billings, so long that the correct Merchant Category Code is used (don’t worry, this is a standard requirement by MasterCard).”

Well, this sounds more sense to me. Looks like their CS needs to be improved a lot.

The form comes together with your card.

You sure got a lot of cards, which 2 cards will you be chosen if really later only 2 banks are allowed?

Sure can but you need to pay for the guest, some cc offers discounts.
EDIT: Opps, misunderstood. Thought you are saying that lounge.

Different card has different benefits. Too bad there is no All-in-one card in the world. The banks increase your CL so you can spend more and they can earn more.

This post has been edited by ck3lam: Sep 25 2010, 12:59 AM

Haha...need to bring along a namecard holder to store all the cc. So when need to pay for something, flip through all the cards (arrange in alphabetical order) and ask "Which card you have the most discount? Just gimme a name"

Maybe in the future there is only one ultimate card which can store all the cc in its chip, and the sales person will ask back "Sir, which card would you like to use?". Damn convenient.

My car is not made of gold, neither platinum. Just kidding.

I think normally if you wanna upgrade, you may need to hold the card for at least 1 year. Of course if you are a good spender and have good record, you no need to ask and they'll upgrade for you automatically.
Since a lot of things in citibank can be done with just a call, you can try the CS as suggested. It will be easier if you meet the above condition. But some banks will require you to fax them back a card upgrade form with your signature. I don't think they will request any income statement from you.

After I re-re-recheck with a few CS, looks like OCBC Ti doesn't seems as good as it is.
Some Auto debit will have a different MCC, so it is not guaranteed that you will get the 5%. Swiping through merchant terminal is 100%. However, according to CS, so far there is no problem with utilities bills via autopay but there are exception. Some online payment may have different MCC.

For petrol station, 5% rebate only applicable for petrol and not purchase made at the corresponding shop/mart.

For groceries, so far only Giant is confirmed. Others like Tesco, Jusco, C4 may consider under departmental store MCC. You may not guaranteed to get rebate from it. The CS told me to try on these shops, and you will know from the next statement.

For dining, only restaurant (most of it) are eligible. But you will not get 5% rebate for cafe like Starbucks, coffee bean and so on.

For those who are getting the first statement this month, do share with us which merchant is entitled for 5%.

All I can say is Good Luck everyone!

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Added on September 26, 2010, 4:51 pmAs far as I know Maybank requirements are very tight and will not give you very high CL.
I think if you use HSBC Plat to apply, chances are higher.

This post has been edited by ck3lam: Sep 26 2010, 04:51 PM