Maximum cash back for petrol from Citibank Cash Back Platinum is capped at RM30 per month.


The cash rebates come from credit cards, not from Astro.

You may need to check with your insurance companies on whether they accept Amex. I know most insurance companies do not accept Amex and someone here mentioned only eTiQa accepts Amex.

For OCBC Titanium MC, it is 5% cash back for Astro bills.

That's why, we haven't heard of HSBC giving waiver of credit card service tax.

This only happens to Carrefour. For instance, someone reported that spending in Carrefour Tropicana Mall was given only 1% cash back instead of 5% cash back. While other big hypermarkets like Giant and Tesco have so far never given this problem.

I can confirm that Alliance Younique MC gives cash back for petrol (but no timeless bonus points) if you choose "rebate" option.


I managed to change it to Platinum after numerous complaints and follow-ups with MBB CS staff EVERYDAY soon after I found out they approved Gold instead of Platinum through phone checking. Reason being they don't have my income details as I only have a low-range card like Amex Gold cc with them, despite the high CL of my Amex Gold cc. I refused to submit any income documents and other Platinum cards as reference, but asked them to see properly the existing CL of my Amex Gold cc. In the end, they cancelled the approved Maybankard 2 Gold in their system and issued me Maybankard 2 Platinum without increasing my existing CL. It was quite a long process and it required lots of follow-ups.


I know some of my previous auto debit transactions with Amex fell on Saturdays and Sundays.

If you fail to swipe your card continuously while still having available CL, then most probably your card has been blocked by your bank.


1% cash back definitely, unless you use OCBC GE Titanium for GE insurance.

When I buy air tickets (depending on amount), I normally ignore all points and cash back in decision making. I will just use the card with the highest travel insurance coverage. Life is more important than everything.

During past weekend, I received 5x TPs for petrol and 6x TPs for grocery (hypermarket).

Very sorry to hear that your application is still hanging. You are among the first few people who applied for the cards, but you have yet to receive the cards. You may fax the form to MBB this time around. Experience tells me that do not rely on phone call, as some CS staff are not competent enough.


Besides Citibank, OCBC normally gives some attractive promotions in Singapore all year round.

If you are not a big spender and your spending (no special promotion from Citibank) will be made during weekends, you may use Maybankard 2 Amex which gives you 5% cash back on weekends and 5x TPs. The forex conversion rate for Amex is higher but the net cash back plus TPs you receive after minusing the admin fee on forex conversion still can easily beat other cards. Do note that there is a maximum cash back cap of RM50 per month.

It will be a combined cash back, with RM50 cap per month.

You can request OCBC to change your statement date, so that the payment due date will be changed accordingly.

As Parkson is a departmental store, therefore it is NOT under the 5% cash back category.

Bear in mind that the 15% cash back promotion ends on 28-02-11. Besides, the monthly RM1mil cash back quota could have finished by now.

Congratulations! You received the Platinum cards finally. My Maybankard 2 Amex card number also ends with "8".


No. It is 5% cash back and I have been receiving this since October last year.


Utility bills are entitled to 5% cash back.

The auto debit service was subscribed through TM. 5% cash back is confirmed.

This is what is shown on my statement:
"TELEKOM M'SIA Y1 KUALA LUMPUR"

It is very complicated and confusing people. As usual, HLB always has a lot of stringet T&Cs. This is definitely not my cup of tea.

I am not exaggerating but if you want to make your life easier, avoid those cards giving complicated T&Cs. HLB Fortune is EXTREMELY COMPLICATED. I don't think HLB is creative but it is confusing actually.

No way, at this point in time.

Some of us have all these 3 cards.

SCB JustOne Titanium MC's cash back cap of RM600 is per annum basis. That means you are allowed to get the maximum RM600 cash back with just a single swipe. This card is very precious as SCB had stopped issuing this card. Just like OCBC Titanium MC, SCB JustOne Titanium MC is the card that I WILL NOT terminate it, unless there are other much better cards issued in the market.

Maybankard 2 Amex gives 5x TPs on all transactions everyday plus an additional 5% cash back on weekends. It is one the BEST cards in the market now but the only disadvantage is that it is not widely accepted.

My advice is to retain all the 3 cards above, until other banks come out with better cards. I LOVE all these 3 cards so much!

1) SCB JustOne Titanium MC - AF for first year (2009) was waived. AF for second year onwards is waiveable with RM15,000 spending per year. SCB also gave me free 11,000 points to offset the RM50 service tax in July 2010.

2) OCBC Titanium MC - AF for first year is waived, but RM50 service tax for first year is not waiveable and is charged upon card approval. AF for second year onwards will be waived with 12x swipes per year and service tax for second year onwards will also be waived if you spend RM10,000 in a year.

3) Maybankard 2 Amex - No AF at all. RM50 service tax is not waiveable.

If you are happy and comfortable with SCB JustOne Titanium MC and OCBC Titanium MC only, then you should not think about other cards.