Lastly i get my titanium cc, just share my application history:

22 aug - left my phone no. on OCBC website.
23 aug - Agent called me
25 aug - Sent all my documents.
26 aug - start process.
3 sept  - Application unsuccessful. Called agent and CS few times in few days to get the reason, useless.
10 sept - get the letter from OCBC to inform my application failed.
14 sept - Called CS again. Made an appeal.
16 sept - Bank called to verify some info.
17 sept - card approved.
22 sept - received the card.

Almost a month for whole process........
However, not start use, just activate.
Later will try to use for my 1st cc....
 

I thought just my application refused......
However, just to share.
I have called CS few times after my application failed to ask the reason, as u faced, CS unable to tell u the reason. But the CS told me can make an appeal.
She ask me to attached the income tax statement then e-mail to cap@ocbc.com.
I have mentioned i have FD in OCBC (My FD deposit few months ago b4 their cc launch).
Nothing more.
The CL given by bank less than 2x of my salary but close with the FD amount.
So i think the reason the bank approved my card is because of FD.

U can search back which some forumer have suggested to deposit FD then apply.
U may try it..

Short answer - stay away from MBF!

yes, uob lady's platinum is platinum card. it is really useable for women in shopping if you need special promotion in lady's products. Men don't get it.

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Added on September 30, 2010, 6:25 am

AirAsia-Citibank Credit Card   
1) Your everyday spending earns you free flights with the new AirAsia-Citibank credit card
2) Redeem points against flights, fuel surcharges and more
3) Enjoy additional exclusive privileges such as Priority Booking, Special Fares and AirAsia-Citibank Gold credit card privileges
 
Shell Citibank Credit Card   
1) Up to 5% rebate on Shell fuel and 1.5% on any other purchases
2) Exclusive Citibank Gold Privileges
3) Gold-On-Call Assistance

So Tzeling, you are moving from 1 place to another place using car or plane? citibank's cards design their card to suit your requirement's needed.

Citibank Shell only gives you 2.5% on Shell Petrol and 0.75% on others. 5% and 1.5% only if you have outstanding balance if I’m not mistaken.
They have promotion last time of up to 10% rebate with outstanding balance condition of course.

I think the air flight benefits (insurance coverage, compensation) only applicable for principal cardholder and not applicable if you buy for others. You may need to check on this further. So any card offers 1% rebate which is equivalent to AA 2x points should be fine. For AA, you can have 1-day priority booking if that concerns you. For special fare, local flight doesn’t seem to really benefits. It’s already very cheap at promo price.
However, I always heard my brother complains about this card like the priority booking.

Citibank cashback plat offers you 5% rebate for any petrol, 2% for pharmaceutical, groceries and certain bills payment, but the retail purchase/ others only 0.3%. Petrol only capped at RM600, which is RM30 rebate.

In my opinion, citibank needs to come out with new benefits (they have already got many type of cards) or re-launch certain cards like what OCBC does.

Like what the others said, depends on your needs. I would think OCBC Ti satisfies most people’s need. 5% on groceries, utilities bills, restaurant, petrol and 1% for the others.
Maybe you need to ask yourself a few questions like
i) How much do I spend each month?
ii) What are the categories of my spending? Petrol, air tickets and…?

Then you can find your best cc to suit you. But you said only want to apply during Dec after your current debit card promo ends, so maybe that time got other better cc offer that suits you.

I think banks are more interested in income rather than strictly salary and income can be from salary, from property rentals or other passive forms of income. So strictly speaking your salary + allowances = your income. I feel you stand a good chance so why don't you give it a try after all, nothing ventured nothing gained!

The OCBC Ti really hard to apply, already heard many peoples failed.
Why not apply SCB Gold, got RM88 cash back, but i donno this promotion still available or not.

Bro ... I would suggest you to lower your standards to just the regular cards since your income are not really there and you are a 1st timer applicant.
All the banks for the cards you are applying will block your application for a few months should you fail. And these failures will show in your financial history.

There's no shame in getting regular cards for starters. All of us started that way.

However, i don't like the card with annual fee, although some waive if u call them.
But if the bank don't waives the fee, so u need to cancel the card, it is not good for your record.

Normally bank will try to tighten for 1st applicant.

This promotion has long expired, if i'm not mistaken.

I stand corrected. Anyway, have you received any rebates from them then ? The first time they had such promotion, it ran between October 2007 - June 2008 and was only applicable to the e$aver debit MasterCard. The promotion was supposed to end in February 2008 but it was extended twice and eventually ended in June 2008. After that, they had another similar promotion. This time it was for their Saadiq$aver-i debit MasterCard. However, that promotion too had ended last year.

Either DirectAccess Mastercard or OCBC Titanium Mastercard can serve those underlined purposes.

I applied using NRIC and an existing cc with highest Credit Limit. My salary don't fulfill its income requirement, as such I dare not attach payslips

Me to received pin no and statement last 2 weeks but not yet get cc untill now. So call them and request them to sent to nearby branch but after one week still yet to get notify letter from them. Called them up this morning and they said will get back to me but no. Different bank from you. Any idea if not yet receive cc but received statement, is it we still have to pay the tax first? They said pay first before due date.