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 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.

It's OK, as I had have the intention to downgrade my Alliance Privilege Banking Premium debit card to Alliance Personal Platinum debit card long ago. Reason being I hardly utilised the debit card, as I still prefer credit over debit. Also, I transferred the money to other kind of investment which could give higher returns in the short to medium term.

I do agree that Alliance's cash back per month or per year is thus far the highest in the market. I also benefited from the maximum cash back received, i.e., RM68.78 for many many months. However, if I did not spend RM5,000 per month on Alliance Platinum cc, the amount of cash back was insignificant. Further, there are not many interesting stuffs that can be redeemed under Alliance's reward programme. The points required for redemption are also rather high compared with Amex, MBB, SCB and CIMB.

To me, this SCB World MC's benifits are not very attractive. The only good thing is the 2x points for monthly spending of more than RM1,500. I wanted to apply for it as I am going to perform an extremely huge swipe end of this month.

I went to a Standard Chartered branch this morning, intending to apply for their World MC. It was rather irritating that the branch couldn't take my application as they have yet to receive the official forms from their HQ. Also, they didn't know much about this new product. What a shame!


Yes, all Alliance Platinum credit and debit cardholders can now enter KLIA Plaza Premium Lounge with no entry limits per month. The quota had been removed about 2 months ago.

According to the CS officer, there is no limit to the 2x choice points, i.e., if I swipe RM50k in a month, I will get 100k points.

I need the 2x points next month urgently as the merchant does not accept Amex (which gives 2x points for local purchase).


The status of Platinum is higher than Titanium.

If you are a new HLB cardholder, you still need to fork out your own money to settle the first year service tax. Further, HLB Visa Essential is not included in this promotion as this card is purely cash back based without being given any points.

I purposely submitted my application by hand to OCBC HQ at Jalan Tun Perak last Friday. Yesterday I called up OCBC hotline to check the application status, I was informed they were still processing my application. It's been 7 days already.


That's true. When I was still with CitiGold last time, my RM told me the highest CL for Citibank Malaysia was RM450k.


HLB has also recently joined the generous group by giving free 12,000 points annually for 3 years.

Alliance and MBB do not give service tax reimbursement. For them, they would rather lose customers than simpy giving free points.

SCB JustOne Titanium MC (no longer being issued) is better as cash rebates for both principle and supplementary cards are separated. Besides, principle cardholder can have up to 6 supplementary cards and each card can enjoy RM600 cash back per annum.

dausan2003,

As we have mentioned over and over again here, one could not trust 100% what cc sales personnel promise, unless it is an official statement from the bank.

You should be aware that service tax is immediately charged upon card approval and activation. Further, as far as I know, MBB has never granted any free points for cardholders to offset the service tax.

I never trust all promises from cc sales personal and even CS officers. I always refer to the T&Cs and official statements from the respective bank.

This post has been edited by winner: Aug 30 2010, 07:59 PM

Apart from KLIA Plaza Premium Lounge, you may include other major airport lounges in Malaysia such as Plaza Premium Lounge in LCCT and JB. Most of the Platinum cards issued in Malaysia can only grant free access to KLIA Plaza Premium Lounge only, not the lounges in LCCT and JB.


SCB VI through Priority Pass and Amex Platinum charged card at most of the lounges worldwide.

I sent my application on 20/8 and it has just been approved on 1/9 when I checked the status via OCBC self service hotline.


If your documents are complete and you are qualified for the card, the bank will not call you for verification. For instance, OCBC did not call me and my application is successful.


I also won the ipod shuffle. It's better than none.

OCBC Malaysia Headquarters

Perhaps your entry won you main prizes such as TV or notebook? For your information, I sent the sms after 10am on 2/8. And this time around, I forgot to send the sms in the morning and I only sent it at 3pm, 2/9. I am pretty sure I won't get the main prize.


You'll be surprised that even in KL, a lot of old HLB branches do not have cheque deposit machines outside the banking halls, e.g. HLB branch near Jalan Imbi, Jalan Puchong and Maju Shopping Centre, Medan Tuanku area, just to name a few. HLB seems not bother to upgrade their operations. Besides, most banks have employed security guards at their ATM machines at night but I do not see any HLB branches have this security feature. This shows how stingy HLB is and it's truly a typical China man company.

Another funny thing is that I do not hold any HLB CCs but HLB still sent me a message lately indicating that there is a SEPECIAL PROMOTION for limited period, where customers are allowed to use 25,000 points to redeem cash rebate of RM100. What the hell! With 25,000 points, we can easily redeem vouchers or other things worth more than RM100. Also, to redeem RM100 cash, other banks such as Amex and SCB require only 20,000 points.

I sent my application on 20/8. My application was approved on 1/9. Until today I have yet to receive the card. I will screw them if I do not receive the card before Hari Raya.


It's because HLB is so stingy and this so-called cash-rich bank is not willing to spend money to upgrade the branches. Most of the branches have been operating in the premises for ages.


Smart move. Close ALL their accounts. I once had car loan, housing loan, credit card, current account, savings accounts, insurance and fixed deposit with HLB, I have now closed all the accounts except the home loan because of the 5-year lock-in period.

It's better to apply for this card fast and lock in the future profit first before OCBC stops issuing this card due to overwhelming response. SCB JustOne card is a good example.

I am also waiting and waiting. There is no indication on when OCBC will send me the Titanium card even though the application has been approved.

I may cancel my application if I do not receive the card within a month from the date I applied for it.

This post has been edited by winner: Sep 7 2010, 05:19 AM

Finally, I received the brand new OCBC Titanium MC today by snail mail.

According to the CS officer, my card was approved on 1/9, and sent out on 2/9. And I received the card on 7/9. Referring to the application on 20/8, it took 18 days for me to get the card. The service is just so so, not very efficient but it is not that bad too.

For World MC or VI, getting a CL of at least RM100,000 is not abnormal.

Most of the World MCs issued in Malaysia allow you to enter KLIA Plaza Premium Lounge ONLY. In fact, worldwide airport lounges access is much more useful, as it does help when you have a long waiting period for transit. Also, if your company let you travel on first or business class, you are already guaranteed for airport lounge access and therefore you do not need to show your own card.


OCBC took 12 days, or to be fair it should be 7 working days after taking out public holidays, to approve my application.


You may try local bank like CIMB. It should be much easier to get a card from them.