Not really, I didn’t use the card after the August promotion. Mainly OCBC now.
It is applicable to ANY transaction. Of course the BT, cash advance, ongoing installments and fees are not valid.

Do you purchase local or international flight frequently?
Since RM5 convenience fees is charged per way using CC, maybe open a CIMB saver account will be better? No need to pay for convenience fees but CC give you AA points.
You can compare it and see which one suits you.
CIMB AirAsia Savers Account

This post has been edited by ck3lam: Oct 28 2010, 10:59 PM

Because I didn't ask him further as I'm not really interested with that card

If it is about CIMB AA saver acc, you may need to find other thread since this is a CC thread. For Citibank AA CC, although my bro complaint about the priority booking, but until now he is still holding the card. Maybe that card still suits him. However, seems like not many people in this forum is holding this card.

Sometimes they called for small transaction like this, but huge transaction they didn't call. But normally when I order Pizza Hut online, they sure will call one, 3/5...maybe a lot of fraud cases reported for online pizza ordering?

I can say definitely not 3. The bank won't be that generous. But I maybe wrong. It seems this question has been asked before but no one has answered that. I think it is possible to get RM120 with some conditions.

From OCBC conditions,
- promotion starts from Aug to Dec 2010. Any transaction after 31 Dec is considered non-promotional period. (that is only 5 months (max RM600) but T&C says RM600+RM120 (6 months), where is the additional month comes from I wonder)
- Max rebate based on statement (according to CS) during promotion period is RM100(5%) and RM20(1%) while non promotional period is RM50 (5%+ 1%)


If I were the bank, the max rebate will be RM120.
If all your transactions are before 31 Dec, you may get the max which is RM120.
If all your transactions are after 31 Dec, you may get RM50 max.
If 1 Jan~15 Jan rebate supposedly > RM50, it will cap at RM50 for this half month assuming 16 Dec~31 Dec rebate doesn't exceed RM70.
If RM70 < 16 Dec~31 Dec rebate (X rebate) < RM120, 1 Jan~15 Jan rebate will only be 120-X.

Maybe then this can answer why there are 6 months as in T&C...

This is just my guessing, what is your opinion? Of course the actual and correct answer can only be verified from CS.

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Added on October 29, 2010, 12:11 amVery fast, for me it only takes within a week.

This post has been edited by ck3lam: Oct 29 2010, 12:17 AM

Looks like not a pleasant experience...

I don't use CC anymore when I book local AA flight nowadays. The AA points can't cover the convenience fees. Priority booking? I can still get my flight without it.

How would you explain the maximum RM600+RM120 rebate during the promotion as stated in the T&C? If only RM50 max for this statement, impossible they claim you can get the total rebate for the promotion period.

It’s over here and also in your FAQ/T&C hardcopy comes together with your card.
Definitely for each statement the max rebate is RM120 during the promotion period. Spending during 16 Dec ~ 31 Dec can be arguable. So which is why in my previous post I mention a possibility which I try to find a balance between these two.

This is also what I assume when I first get the card last time.

If those CC holder statement is early of the month, sure they will complaint OCBC why they didn't get the full rebate as advertised during Dec spending in the Jan statement, getting RM50 max for spending during Dec can raise a big complaint in customer service (not good for the bank), but they cannot give RM120 rebate for Jan spending. Then it will be unfair to those who get the card on Jan. So they must have a balance between these two. See my previous post.

They have already mention max is RM120 during promotion period, so unlikely they will give you higher than that.

This post has been edited by ck3lam: Oct 29 2010, 01:05 PM

Online payment system maintenance cost getting higher...


Another bad experience...
Perhaps Citibank should relaunch the AA card with convenience fees absorbed and priority boarding.

I really doubt SCB will approve 3 cards at one time for one cardholder.

Read the first post and you will get the answer.

Does it really matter if the card is plat or not? As long as the card suits you, even a classic card with great promotions all year long is already very good.
Some platinum cards cannot even match with titanium or gold card, the same goes to WMC/VI. Sometimes people are chasing so-called "status" rather than really looking at its benefits.

Of course I'm not pointing anyone here, just a friendly reminder what is the most important and why you need to apply a credit card, not because it is plat or world/infinite.

A useful link.
Swipesmart6E

This post has been edited by ck3lam: Nov 2 2010, 11:51 PM

This sounds familiar

Perhaps the pretty lady cashier? Or the lady who you are dining with? Ha…

Well, if you want to impress others by showing the card, Alliance You:nique card can allow you to have your very own unique design. Depends on your design, it can end up like a telephone card or a Plat/WMC/VI-like card

If for comparison, I’ll be more impress with those who pay lump sum cash instead of credit card. You can have a nice plat card with huge debts, but cash could mean you really afford it. And also will make you think twice before spending your hard earned money.

This post has been edited by ck3lam: Nov 3 2010, 12:53 PM

Even a lot of people is having WMC/VI cards already. People can hardly see what card you are holding, if they can see closely, better be careful. Maybe they are not looking at your shiny card status, but the numbers...

Ha...it's ok, no copyright..

Otherwise no increment this year


Their impression maybe fake to cover their act, they maybe are memorizing the card validity, CVC etc...next month statement will be wow....(ha...no offense)

Of course some junior cashiers will be very impressed with it as they don't really know more about cc.

...can buy a house already...

Not too sure about this but a lot of cases like switching different card when return, over charge which don't belongs to you and so on. Just take necessary precautions to avoid this kind of things from happening.

Mostly in US I guess, still use magnetic stripe. I think they are migrating it slowly now for better security.

Maybe Gold brings ‘ONG’, which means prosperous in Chinese, especially good for business man. When we place gold card and plat card next to each other, gold card is more shinning. Most plat cards are black, with a few exceptions of silver and blue.

Off topic: Do you stick a 'P' also in your car windscreen?



It is not advertised in their website, so I believe the promotion is applicable to selected card holders only. I think some banks offer special promotions to particular customer, Citibank is the obvious one compare to the others which I often receive promotions not stated in the website. But their CS is quite efficient as they can check through their system when I asked them.

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Added on November 3, 2010, 6:14 pmespecially bar/club. No alcohol.

This post has been edited by ck3lam: Nov 3 2010, 06:14 PM

It doesn't matter which card you are holding as the T&C said it applies to any SCB card. Anyway, I think it is like Citibank's style which is special promotion for selected card members only.

However, I'm not sure whether it is a random selection or they will base on some criteria like expired soon, new card member, outstanding balance, good repayment record etc.

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Added on November 3, 2010, 7:07 pmhow many times have you tried? I have experienced some cards will automatically block by itself if there are 3 unsuccessful transactions at the petrol station.

This post has been edited by ck3lam: Nov 3 2010, 07:09 PM

Hi Juno88,

Maybe you need to list your priority and also your monthly spending limit in order to see which card is suitable for you.
I can see some of your points are.
- shop, pay bills, petrol
- bonuslink card
- CIMB & Maybank acc
- 3k salary

Is it you only use Shell petrol? Or just because you want to get bonuslink points? Some petrol stations give you higher rebates, for example esso gives you 1.5% rebate by itself. But of course if you think only Shell suits your car better than any other petrol brand, then it’s a different story.

A few options here.
OCBC Titanium: 5% rebate on bills, petrol, groceries, restaurant, 1% for others.
Use bonuslink also when you pump petrol at Shell.
But do remember that if you are not a big spender, the first 1~2 months rebates you get could probably be used to cover the GST charge. Although this card is good but it still depends on your average monthly spending amount and the category that you spend, some people can hardly benefit from it based on their spending pattern, just because everyone says it is good and they apply it.
It may be a bit tough to apply as your monthly salary is about 3k.

I don’t see MB card has any benefit for you in this case and GST will not be waived normally. The Amex gold cc is quite a good card but in general it is second to OCBC Ti. I think you can get the card easily but CL will be a bit low.
For CIMB card, gives you points and great rebates if you spend frequently on Guardian, KFC, starbucks…

Using MBF card also gives you bonuslink point (RM10 = 3 points I think). GST waive upon successful application. If you think you prefer bonuslink points for redemption.

I can say the information you provided is not enough to judge which card is suitable for you and I would suggest you do some research on your own first or provide more information.

If I understand your statement correctly, are you saying CC will not give points for petrol purchases, am I right?
Well, it is incorrect. Maybank petronas and AMEX CC gives you points. MBF gives you bonuslink points when pumping at any petrol station. Of course pumping at shell with bonuslink card can give you more.