mine hardly to reach rm40

dunno laa where more to spend...

From 62003

haha no spending = save more

well said!

ya spend unless u really need it , i think some would just for the sake to get the rebates just buy/spend

Maxis Centre @ The Gardens uses MCC code 4812 "Telecommunications Equipment including telephone sales"

Thus, IT IS NOT ADVISABLE to pay your phone bills there ;-)

i do direct debit. on top oof 5% another RM2 from maxis (if not mistaken)

I don't think there's any auto-debit discount any more from Maxis. Can you confirm ?
You will get RM5 E-bill discount only.

everything maxed at RM50.. how to do calculations.. besides, my bills sure exceed one.. lol..

"bills sure exceed one", then time to look for an additional Credit Card.

yup.. time for an additional card..

only a very small amount FD ..

Try to use Excel lah

Jusco AU2 only give 1% cashback

Expected lah....

There isn't a clause saying until when this 5% rebate will end. So yeah, it should be there always. Having said that, the bank has the power to change their strategy anytime.

i think u dun get wat i mean la..

i can assume the rebates and do it in excel but everything total sure >Rm50..

what i mean is, i wont know what i assumed is correct or not unless its <RM50 or ocbc break down the calculations for me..

you only need to track if you want to make sure you only use enough to get RM50 cash rebate (or check how much rebate you have left). Since you consistently hit RM50, why do you want to track?

everyone starts with assumptions first. There is at least a 50-50 chance you are correct. It actually very higher if you just follow the petrol, dining, grocery, bills = 5% guideline). The only errors are when the MCC is not what we expect (dining don't get dining etc.).

It is easy to find it if we aim to spend enough just to get RM50 rebate. Once we don't get RM50, we can use Excel to check just which transactions did not get 5% as intended.

This post has been edited by zenquix: Nov 17 2011, 08:58 AM

You can always call OCBC CS line to enquire the MCC code for each treansaction you make.
They can tell you directly as its shown on their screen. OCBC don't need to call you back after "researching".

If you hit RM50 consistently , it doesn't matter how they calculate.
I keep each record to ensure I hit the target RM50 just right (with few sens added)

how about auto debit ? can they check which MCC code is it ?