I have never been a fan of CCs and have always avoided to apply for one as well but recently I have been very much indulged in getting one or two in order to benefit from the cash-back returns on petrol, grocery shopping, bills, utilities payment & etc. I’m still scouting around for some good deals and would appreciate some recommendations from our members as well...

Thanks for the headers...I've been getting very good buzz on OCBC's Titanium and the newly introduced Maybank 2 Cards....

Woo Hoo ! ! !

I have listed below the list of my monthly payments/expenditures that I do and I have stated in bracket on the method of transaction I use.

1) Insurance (P.A & Medical Card) – RM205 (this includes for me, my mother & my younger brother) [Savings Account via Maybank2u]
2) Monthly Home Utilities – ~RM600+ (includes Electricity, Water, ASTRO, Telephone + Internet & Mobile) [Savings Account via Maybank2u]
3) Monthly Household – ~RM200-RM300+ (I do an one-off buy at TESCO or Carrefour usually) [My Maybank DEBIT CARD]
4) Petrol (Esso/Mobil) – RM200-RM300+ [My Maybank DEBIT CARD]
5) My Monthly Expenses – RM400-RM500+ [Cash + My Maybank DEBIT CARD]

Based on the spending below, which would be an recommendable CC to go in order to make full use of the cash-back returns? As Gen-X has pointed out, the OCBC Titanium does seems an viable option fro spendings up to RM1,000 to make use of the 5% cash-back (which relates back to RM50) which of course favors me as well but since I'm already an Maybank customer it seems feasible to go for the Maybank 2 cards as well since it'll be synchronized to my Maybank2U account and would mean easier payment transactions and tracking right?

Does the OCBC Titanium allows for online payment of Utilities Bills for TNB, SYABAS, TM & ASTRO?

I just read on a blog that in order for us to enjoy the Annual Fee Waiver the card needs to be swiped atleast 12x in a year right? I'm sure the online UTILITIES Payment doesn't apply for this 'swipe' right? Also in order to get the GST Waiver from OCBC, we need to spend atleast RM10k annualy - would this bills payment be included in it?

Which are referring to? I'm just unsure of the online payments 'swipe' - does that counts as an actual swipe too?

Cool...now I think the Titanium seems to be an viable option for my spendings....(or atleast to make use of the 5% cashback)...of course I am cruel to make use of the bank's Cash Back policy since I will be paying off my CC bill within the 20 days interest-free period...

Correct me if I'm wrong but isn't the M2 AMEX's 5% cash-back applies only on weekends (Sats & Suns)? ? ?

Thus - OCBC Titanium for weekdays & M2 AMEX for weekends....

Yup, aware of that....the M2 AMEX does fall short on this part...but I believe the 5% Cash Back on Weekends applies for anything-anywhere right?

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Added on February 12, 2011, 10:55 pmYeah..in a way what you said is true indeed....you just need to be prudent in which is used where....

This post has been edited by Xai-V-iaX: Feb 12 2011, 10:55 PM

Now that's an bummer that the OCBC Ti can't be used to pay TM bills online...

My plan was to use the Ti for all the bills & petrol payment.

Just another noter - does either the OCBC Ti or the M2 AMEX allows online payment for ALLIANZ Insurance with cash back redemption?

Thanks for clearing that up mate...

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Added on February 13, 2011, 1:30 amGreat...so you're an current user of the OCBC Ti CC... Can I know what Utility Bills is payable via the Ti card? My intention is to pay my bills (TNB, SYABAS, ASTRO & TM) up using the Ti card. How do you do the payment?

This post has been edited by Xai-V-iaX: Feb 13 2011, 01:30 AM

Great....and I assume all OCBC CC holders are entitled to access for the OCBC Online?

GREAT

What other merchants are available for online payments? For instance - Insurance?

I see....actually I just wanted to know if the OCBC ONLINE system accepts online payment for ALLIANZ & KOJADI as they are my frequent merchants. This is solely because between them I have approx RM700 worth of payment made on a monthly basis which equates to about RM35 cash back. Good cash back returns from the both huh?

thanks for all the info provided mate....it is from users like you that we can request information that is not readily available on the websites & other sources....

Yup, thanks for the headers mate....thinking of keeping the auto-debit function for the Insurance on the M2 AMEX if its possible and use the OCBC Ti for my petrol & utility bills transactions...

That's noted. I have thus far decided that I will go for the OCBC Titanium first and just keeping hold of the idea of getting the M2 AMEX Visa card...

Niceeee.....