From my experience, OCBC is the best when it comes to sending SMS OTP, always within 1 minute. If you dont pefere SMS OTP, there are 2 other choices. Refer here:

FAQ Q4
https://www.ocbc.com.my/personal-banking/ma...ALogin20102.pdf

pm me..i have one contact for one ocbc cc staff.

Grocery comes under supermarts 5%

^ hi, i would say it is alright for normal usage. I use it for CC only and to pay bills.

Perhaps you need to spend near the current CL regularly to be able to convince them to need the higher CL? Bear in mind you dont earn any points or cashback once you reach the max RM50 cashback.

yea the same. The hardware token will generate the 6 digits OTP for you. You can opt for sms or mobile OTP too, 3 choices.
OTP = one time password

Is the bill under your name?

spend more than RM10K with the card.

My 5% cashback is short by 8 cents. I added one by one manually manually and considered the round out effect. All transactions fall under the 5% catogery.

all brands ^

insurance is entitled for 5%?

You can do GIRO to pay if you have any accounts with other banks. Fees ranging from FOC to RM2.

Something interesting. I inquired about this matter and the CS explained and give me this example:

My statement is 12 July to 12 August. If a purchase is made on August (a new month), before the statement date, and its 5% rebate is RM1.23, it will be rounded up to RM1.20. I will get the balance RM0.03 in the next cycle.

pm me for ocbc staff/agent contact.

should be 1% as it is not under utility, grocery, dining, petrol

Maybank basic saving account option 2 gives 50 cents for the first 2 IBG every month, but i reckon there are other cheaper options.

This is the BSA:
http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts

Your normal one charge you RM2 for every IBG. Need to open a new BSA if you want this feature.

This post has been edited by Human Nature: Aug 25 2011, 01:37 AM

Hi, I think not able to pay TM using OCBC online. You can pay TM bills using OUB payonline or TMonline.

Should be since its utility. I did mine using TMonline.

Annual fee waiver credited in because you paid it previously and now it's credited back after 12 swipes?
Hmm so we have to pay the AF first, and not automatic.