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 Credit Card v11

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ronnie
post Aug 18 2010, 11:46 PM

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Better update to say Alliance's Forex admin fee is not zero...
ronnie
post Aug 18 2010, 11:49 PM

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Put it as unknown rather than Nil (=zero)
ronnie
post Aug 18 2010, 11:51 PM

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QUOTE(ck_tonny @ Aug 18 2010, 11:48 PM)
So fast come to v11. rclxms.gif
Back to OCBC Titanium, in my opinion, the most special about this card is credit card interest rebate, seems like no other cards offer such thing in Malaysia.
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Better than Citibanks' Cash Back Platinum I guess...
ronnie
post Aug 18 2010, 11:55 PM

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QUOTE(ck_tonny @ Aug 18 2010, 11:52 PM)
I also not sure how it really works, in my understanding, whatever interest paid to the card (finance charge) will be entitle 50% rebate (Jan 2011 to July 2011) and 33% rebate (August 2011 onwards).
Rebate on finance charges is not an attraction to apply for the card.... you will get yourself in deep debt later on.
ronnie
post Aug 19 2010, 12:01 AM

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QUOTE(zenquix @ Aug 18 2010, 11:59 PM)
Seems like the new price war is on cashback rebates....
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Good for the consumers.. keep coming up with better offers ...
ronnie
post Aug 19 2010, 08:23 AM

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QUOTE(chemistry @ Aug 19 2010, 12:05 AM)
Most credit cards are categorized either as Silver or Gold or Titanium or Platinum. When will a Uranium come out? tongue.gif
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Uranium card will cause cancer lah blink.gif blink.gif
ronnie
post Aug 19 2010, 08:28 AM

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QUOTE(MilesAndMore @ Aug 19 2010, 01:25 AM)
Something like this :
[attachmentid=1734432]
Where to get this savings calculator ?
ronnie
post Aug 19 2010, 10:20 AM

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IF we apply the OCBC Titanium now, it will charge you the RM50 for 2010, right ?
We get GST waiver only for 2011 onwards if you spend RM10k per year.
ronnie
post Aug 19 2010, 02:27 PM

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Best to tick on "As an OCBC Bank customer, I/we do not allow our name/s and contact details to be disclosed within the OCBC Group to cross sell OCBC Group products/services and third party products/services not distributed by OCBC Bank."
ronnie
post Aug 19 2010, 02:50 PM

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For OCBC Titanium,

Does Auto-debit for Maxis/Astro entitled to 5% rebate ?
How about shoppoing for Grocery at Jusco's Supermarket ?
Do they give out bonus points for accumulation ?

This post has been edited by ronnie: Aug 19 2010, 03:28 PM
ronnie
post Aug 21 2010, 12:23 AM

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QUOTE(MilesAndMore @ Aug 20 2010, 10:20 PM)
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  thumbup.gif
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Where in the T&C says OCBC Titanium's Petrol rebate is capped at RM30 per month ?
ronnie
post Aug 22 2010, 01:13 AM

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QUOTE(chemistry @ Aug 22 2010, 12:30 AM)
I know monthly is good, but there are some insurance policies which will incur interest charges if the policyholder wishes to pay premium monthly.
With CIMB's interest free 10 months instalment plan, the yearly premium is split to 10 fractions.
Ain't it the same whether you are paying interests to the Insurance co. or Processing fee to DirectAccess ?
Depends which is lesser....
ronnie
post Aug 22 2010, 01:44 PM

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QUOTE(chemistry @ Aug 22 2010, 01:35 AM)
No no no...
Read carefully, the flexi pay plan is absolutely zero interest, no admin charge, no handling fee.
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That's my mistake reading the 2nd part of the ad hehehe.... if zero cost..go for it !!!
ronnie
post Aug 23 2010, 12:05 AM

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SCB card arrived quite fast.... just in time to enjoy the "FREE" cash promotion. BTW, the "FREE" cash is preloaded (aka credit to the CC account..i.e. no spending required before hand)

Application resubmit on 13 August 2010.
Approval on 16 August 2010.
Card received on 20 August 2010.

p.s. Thanks to maru for his efficient service
p.p.s. Generous CL also from SCB
ronnie
post Aug 23 2010, 12:41 PM

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QUOTE(maru @ Aug 23 2010, 11:26 AM)
u welcome bro smile.gif

btw what kind of CL they give to u? higher than the DA ? btw ur voucher already dispatch out...

Thanks for support notworthy.gif
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Yes. CL higher than DA... ;-) make me want to keep this SCB card.
ronnie
post Aug 23 2010, 04:05 PM

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QUOTE(zenquix @ Aug 23 2010, 03:17 PM)
got my ocbc titanium smile.gif
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that's fast.... now to start spending.
When did you submit your application ?
ronnie
post Aug 25 2010, 09:29 AM

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QUOTE(Shinichi @ Aug 25 2010, 12:15 AM)
For those who applied OCBC Titanium online, may I know which number did the agent ask you to fax your documents?
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You should fax all documents to 20727411.
To check OCBC Titanium application status, you can call 1-300-88-5000.

This post has been edited by ronnie: Aug 25 2010, 09:35 AM
ronnie
post Aug 27 2010, 01:18 AM

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Checked my OCBC status and it says pending documents... but didn't get any calls also. What documents they need since i faxed my IC and CC to them already ???
ronnie
post Aug 31 2010, 02:39 AM

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Standard Chartered is offering RM188(Platinum)/RM88(Gold) cash back now... If you miss the previous offer, now's the 2nd chance (and better) to get FREE cash.
ronnie
post Aug 31 2010, 11:04 AM

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QUOTE(Dannyl @ Aug 31 2010, 08:02 AM)
Wow, I think that's the highest cashback so far.  Last year I got the Business Platinum for RM100 cashback only (cancelled after that).  I guess the RM188 is only for new customers?
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Yep.. new applicant6s only... i guess SCB needs to capture more market share but cancellation of card can be done after 6 months ;-)
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