You will only get 2x priority passes per year.

It should be RM2,000. Before 1/1/11, maximum cash back per month for the 1% category is RM20.


You can split your payment by using 2 cards. Assuming that it is your first swipe on OCBC Titanium MC during the statement month, you can use your OCBC Titanium MC to pay the first RM1,000 in order to enjoy the full RM50 cash back. The balance can be settled by another card, i.e, Amex Platinum cc or Amex Gold cc for the 5x MR points.

As for me, from January 2010 onwards I will only use OCBC Titanium MC for expenses under the 5% cash back category. It's easy to hit RM1,000 per month for utility, hypermarket and restaurant bills. Payment for the rest will be via Amex or SCB for 2x points.


Somebody get it done from MBB. As for new card application, a lot of banks are offering cash back or points to offset or reimburse the service tax.

For new SCB cards, you need not do anything. Soon after your application is approved, you account will be granted RM88 for Gold card or RM188 for Platinum card and the service tax is also charged almost simultaneously. At that point in time, your account will have a surplus of RM38 or RM138. Currently, this is one of the best deals for cc application.

That's right. It's SCB WMC. But 2x points are given with the condition that your monthly spending must be more than RM1,500. Or else, you will only get 1.5x points.

Alternatively, it is highly recommended to use SCB Business Visa Platinum. It gives 0.5% cash back plus 1x point, equivalent to 1% cash back or 2x points without any spending limit.

As mentioned, MBB has started giving out free points to compensate existing customers for the service tax. However at this juncture, only very few customers are selected for this benefit.

Charge card is convenient for those who always spend beyond the CL of their other CCs. They do not need to "beg" the banks to increase their CLs.

I was surprised to learn that some shops in Shanghai only accept Visa when I was in Shanghai a few months ago. I intended to buy some entrance tickets using my MC, but the counter officers said that they would only accept cash or Visa. The similar incident also happened in a restaurant in Shanghai.

However in Malaysia, I reckon MC offers more perks than Visa. CIMB MC vs CIMB VI is a good example.

It should read, the REBATE RATE of OCBC Titanium is the highest among all cards. Coming January 2010, the maximum cash back per month is only RM50.

Talking about big swipe, I had done enough survey before swiping a huge amount for partial downpayment of my recent property purchase. I needed to pay RM80,000 within 2 weeks and the developer accepted MC or Visa, but not Amex. During that time I only had Amex Gold cc, OCBC Titanium and SCB JustOne Titanium. I wanted a card which could give maximum rebate for the big swipe. I shortlised HLB Visa Essential, PBB Platinum and SCB WMC. HLB Visa Essential does not give cash back to offset the service tax for new card, while PBB Platinum's cash back and points are based on complicated tier system and PBB could not guarantee to deliver the card within 2 weeks. In the end, I applied for SCB WMC and received the card 14 days later. SCB gave me 30,000 points as a welcome gift. Soon after I received my SCB WMC, I paid the partial downpayment using SCB JustOne Titanium (RM10,000 for 5% cash back) and SCB WMC (RM70,000 for 2x points or 1% cash back). For those who are familiar witn SCB JustOne Titanium should know that this card gives 5% cash back for all types of purchases made on Fridays and the maximum cash back per year is capped at RM600. The reason I swiped only RM10,000 on SCB JustOne Titanium was that I had already spent more than RM5,000 and SCB JustOne Titanium needs an annual spending of RM15,000 for AF waiver.

After the huge transaction was made, I immediately applied for DA VI which was given 1-hour instant approval in Pavilion. Thereafter I submitted the application for the 0% interest BT programme for 6 months from SCB to DA. By doing this, I could delay the payment but at the same time, the money that I had reserved for the payment to the developer could also keep growing in my deposit account.

This post has been edited by winner: Dec 19 2010, 05:45 PM

Most of the developers in the Klang Valley nowadays accept booking fee via CCs. Some even allow you to use CCs paying the first 10% downpayment. If the developer does not allow you to pay the downpayment in full using CCs, you may pay partial downpayment (up to the maximum amount allowed by the developer) by CCs and it is such a good deal for you actually.


1. HLB Visa Essential does not give cash back to compensate the service tax.
2. PBB Platinum's cash back is not a flat rate. It depends on the amount spend. Also, PBB could not give me guarantee of delivery of new card within 14 days.

And yes, SCB JustOne Titanium's maximum cash back per year is capped at RM600.


Yes, the last swipe of RM10,000 on Friday did not earn a full 5% cash back. It was done purposely as I wanted to hit the AF waiver requirement of RM15,000 spending per annum. Prior to the big swipe of RM10,000, I had already spent RM5,000++ on a combination of Fridays and other days (about RM180++ cash back received). The RM10,000 swipe actually gave me cash back value of approximately RM420. In total, I received the maximum cash back per year at RM600. At the same time, my card also hit the minimum spending requirement for AF waiver.


Refer to my posting above.


Refer to my posting above.

My purchase was done in August and there was no promotion and contest at that time. What a waste! But at least I can escape from being trapped into the government new policy to curb property speculation announced in October, whereby consumers are disallowed to be granted 90% loan margin for third property loan onwards.


This post has been edited by winner: Dec 19 2010, 04:11 PM

During the time I enquired about this card back in August, this cash back offer was not in place yet. That time HLB only offered free points to reimburse the service tax payment. As HLB Visa Essential is a cash back card and not point based, there was no incentive to HLB Visa Essential new cardholders for the service tax payment at that time.

SCB gave me free 11,000 points to offset the service tax. I redeemed the service tax payment by using 10,000 points. In the end, I still earned an additional 1,000 points without having to spend extra.


SCB JustOne Titanium is no longer open to new application since end of last year. It was mainly due to the overwhelming response as this card gives 5% cash back on Frdays and 2% cash back on non-Fridays for all retail purchases (including petrol). There is no cash back cap per month, but it is capped per year at RM600. On top of that, every RM2 spent (excluding petrol) is also entitled to 1x choice point.

This post has been edited by winner: Dec 19 2010, 05:29 PM

Are you having more than one SCB card? If you have 2 SCB CCs, then having 2x free 11,000 points would make sense.

Yes, sometimes I do feel that SCB JustOne Titanium is better than OCBC Titanium.

Not correct. Both were created for WISE spenders like most senior forummers here actually.

Lucky you! It ended up with free 12,000 points after minusing 10,000 points for service tax.

MBB does not have cash redemption at the moment. SCB also have cash to be redeemed. You can use 5,000 points to redeem RM25 cash back. It's better than voucher redemption, where you need approximately 12,000 points to redeem a RM50 shopping voucher.

Until 31/12/2010, maximum rebate for the 1% cash back category is RM20 only.

The easiest way is to request the banks to change the statement date and subsequently adjust the due date to first day of every month, if the banks are willing to do so. I have done this to my Amex and Alliance CCs before. And now, all my CCs and housing loans have the same due date, i.e, either on the first or last day of every month. As far as I am concerned, my accounts have only one date, that's the last day of every month.