Now OCBC is like HSBC previously.. OTP needed even to log in

I see, thanks for correction and the smile points will not expired with minimum transaction per year if i'm not mistaken. not like Petronas Mesra point, will expire. Do petronas' own mesra point do have on the spot fuel redemption?

I think that's a good secure method.... albeit more troublesome. At least you know your account is being hacked ;-)

Think Mesra points will only expire if you did not use the card for X months. Yeah u can do on the spot redemption by using it like a credit card at the pump. Cleared mine to 0 when I moved to Esso/Mobil

But it DOESN'T automatically log out if we leave it idle for a while, does it? Cos some banking websites do that.

(Disclaimer : Oops, apparently they do log out without warning ...lol)


From my experience, OCBC and DA do provide good customer service. They call back to rectify if they gave out the wrong info.

This post has been edited by sweetpea123: Nov 18 2010, 02:12 PM

It would be better if you use ESSO, because Petronas gives 0.5 point only for every RM1 spent.

1 Petronas Mesra points is collected for every 1 liter of petrol purchased.

Yes, it is more or less equivalent to 0.5 point for RM1.

for fuel rewards card, the best is definately smiles from esso/mobil. points never expired!

1 point for every RM1 on fuel only. on the run cafe / shop wont get points. 1000 points for rm15 fuel.
so swipe petrol ron97 rm80 then shop rm10 will get 80points.

but, the best part is, redeem 1000 points for rm15 petrol, that rm15 will be credited back as 15points.
i usually redeem 3000 points for rm45 then get back 45 points

and grand saga highway (kajang-cheras) give 2x points! swipe rm500 already get 1000points!
so rm500 already get back rm15. and of coz, plus 5% rebates from OCBC!

yeah go for esso/mobil smiles. coz for petronas mesra cards, 1 point is per 1 litre. but if shop inside mesra store then 1 point per rm1.
swipe petrol ron97 rm80 then store rm10 will get only 47 points, and 1000points can redeem rm10 fuel only
points will expire after 3 years. also will be void if there has been no activity made within 6 months

This post has been edited by erry-: Nov 18 2010, 03:53 PM

Exactly, I already switched to esso/mobil . If i'm not mistaken, maybankard petronas card holder will get 10x of TP for pumping on every Tuesday. there was a posting mentioning this in this thread

This post has been edited by johnnyc: Nov 18 2010, 03:57 PM

UPDATES for HSBC SMS & Win Contest:

finally! this morning i swipe around 11:20am then SMS immediately.

after 2 minutes got reply: "Congrats! You have won RM10 cashback."

so i bought another 2 things (each price is more then rm100), and ask the cashier to make the bill/swipe separately so i will get another 2 approval code.

SMS, and both also get RM10! so now "Your total cashback won to-date is RM30". thank u HSBC

tomorrow also need to try in early morning. haha

This post has been edited by erry-: Nov 18 2010, 03:57 PM

Wow! I was not aware that some ESSO/MOBIL stations give x2 points. That's an extra 3% cash back man! Any idea where else ESSO/MOBIL stations give x2 points?

Congrats !!!

Wow! last week was able to login without otp, now have to carry around the hardware token

This post has been edited by SeanChang: Nov 18 2010, 04:44 PM

I wanted to tell about this but hesitate because it’s not really CC related.  Anyway just FYI, Esso stations at Grand Saga always have this kind of promotion (Yes, it’s a promotion and not permanent 2x). You will get 2x points if monthly petrol above RM200 (if I remember correctly, actually glance through only). Plus you get a free tissue box. Heard this promotion is going to end soon (year end maybe).
Of course this is a great promotion if you stay in Kajang.

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Added on November 18, 2010, 5:01 pmI would prefer use phone sms instead. Carry another device seems troublesome for me.

This post has been edited by ck3lam: Nov 18 2010, 05:01 PM

Sorry sir, not able to assist you, I also want to know anybody else got points from MBB to offset GST.

I myself would have to pay RM50 GST to MBB soon as they have approved my re-application for Petronas Plat.

I only read in this thread once where a member got extra points to offset the GST.

Reason I getting MBB again is because next year onwards will be travelling more often overseas.


you sure know how to maximize utilization of cards and thanks for sharing

This post has been edited by Gen-X: Nov 18 2010, 05:10 PM

Cool

it's out in the news now -
Banks wage credit card wars

if not for the 15% AMEX campaign which I've oledi swiped, i'll call them up and cancel the card and see whether they gv me 10k points

Hi Finance Gurus,

I recently got offered the Citibank Cash Back Platinum Card.
http://www.citibank.com.my/english/credit-...ck-platinum.htm

I am currently a Gold Citibank CC user, the normal with rewards one. In my understanding, the normal card i having is i spend and earn points, then use the points to redeem reward/gifts. while the cashback is cash rebates, meaning i spend and get cash rebates but no points no gifts no rewards. Am I right to say this?

Also, those discounts for citibank card for example Sakae Sushi buy 1 free 1 handroll promotion, currently my gold card i can use it and sometime i go coffee bean can get 10% discounts. Hw about this new Cashback card, will i be able to enjoy these discounts/promotions?

Which 1 is more better value? Are the points to redeem the gifts worth or cash rebate more worth?

THanks a lot for your advice !

Why i apply for CIMB Gold Mastercard get rejected but apply for SCB Platinum Visa card get approved?It is very hard to get CC from CIMB?