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Credit Cards OCBC Titanium Mastercard Cash-Back Rebates, 5% or 1% Cash-back rebates ??

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Human Nature
post Aug 15 2011, 01:03 PM

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QUOTE(kneok @ Aug 15 2011, 12:55 PM)
guys, i just got ocbc but have no idea how to pay the credit card. if through online must have ocbc account is it?
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You can do GIRO to pay if you have any accounts with other banks. Fees ranging from FOC to RM2.
hvaly
post Aug 15 2011, 01:47 PM

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after i got my bill this month,

here is the new listing

METROJAYA-THE CURVE PETALING JAYA MYS - 1 % only vmad.gif vmad.gif

SUSHI ZEN KUALA LUMPUR MYS - 5 % thumbup.gif
TESCO MELAKA CHENG MELAKA MYS - 5% thumbup.gif
TESCO EXTRA SEREMBAN 2 SEREMBAN MYS - 5% thumbup.gif
GIANT S/MARKET PARAMOU PETALING JAYA MYS - 5% thumbup.gif

spent so much this month, just got RM 49.91 rebate ... rugi RM 0.09 rebate doh.gif doh.gif
chemistry
post Aug 15 2011, 02:09 PM

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QUOTE(hvaly @ Aug 15 2011, 01:47 PM)

spent so much this month, just got  RM 49.91 rebate ... rugi RM 0.09 rebate  doh.gif  doh.gif
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You consider that as a LOSS ?
MilesAndMore
post Aug 15 2011, 09:17 PM

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QUOTE(hvaly @ Aug 15 2011, 01:47 PM)
METROJAYA-THE CURVE PETALING JAYA MYS  - 1 % only  vmad.gif  vmad.gif
Because Metrojaya is not in the grocery category.

joeduff
post Aug 15 2011, 09:49 PM

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did you guys get 5% frm DIGI autodebit????
TSronnie
post Aug 16 2011, 08:59 AM

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I had one transaction under IPAY88 (purchase JackCow coupon) and I realised that they assigned 5% rebate for it.

Maybe IPAY88's MCC code is under Utilities ??!?!?!

p.s. My conclusion is because there's no line item for "1% Cash Rebate" and my 5% did not over achieve RM50.

This post has been edited by ronnie: Aug 16 2011, 12:50 PM
zenquix
post Aug 16 2011, 09:23 AM

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QUOTE(joeduff @ Aug 15 2011, 09:49 PM)
did you guys get 5% frm DIGI autodebit????
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no experience. Can only confirm 5% when paid with OCBC internet banking
andyfriends
post Aug 16 2011, 09:50 AM

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QUOTE(ronnie @ Aug 16 2011, 08:59 AM)
I had one transaction under IPAY88 (purchase JackCow coupon) and I realised that they assigned 5% rebate for it.

Maybe IPAY88's MCC code is under Utilities ??!?!?!
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huh but i got 1% only...
need to verify
Human Nature
post Aug 16 2011, 12:06 PM

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QUOTE(Human Nature @ Aug 13 2011, 11:09 AM)
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.
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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.
TSronnie
post Aug 16 2011, 12:48 PM

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QUOTE(Human Nature @ Aug 16 2011, 12:06 PM)
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.
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That's definitely news... not sure if it's correct.
Either way, as I keep max the RM50 per month, so it doesnt really matter. icon_idea.gif rclxm9.gif
cenkudu
post Aug 16 2011, 07:05 PM

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OCBC is really bad for BT or EPP. Before this I heard BT included in the same account, now my friend told me that 0% EPP also share the same account. just need to pay 5% of the total instead of fixed amount. very difficult to monitor if you use the card at the same time as you need to pay in full your monthly expenditure and 5% at least from there. their system sometimes could not differentiate retail and this 0% EPP/BT and suddenly you will kena interest

my recommendations don't use this card for BT/EPP even its 0% unless you able to efficiently monitor your expenses and willing to call their CS every month to waive the interest

rachel_xxx
post Aug 16 2011, 10:03 PM

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QUOTE(ronnie @ Aug 16 2011, 08:59 AM)
I had one transaction under IPAY88 (purchase JackCow coupon) and I realised that they assigned 5% rebate for it.

Maybe IPAY88's MCC code is under Utilities ??!?!?!

p.s. My conclusion is because there's no line item for "1% Cash Rebate" and my 5% did not over achieve RM50.
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IPAY88 - sometime i get 5% sometime 1% dont know how they differentiate
TSronnie
post Aug 17 2011, 11:15 AM

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QUOTE(rachel_xxx @ Aug 16 2011, 10:03 PM)
IPAY88 - sometime i get 5% sometime 1% dont know how they differentiate
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Maybe the JackCow coupon I bought was Dining related which gets 5% rebate.
This is a To-Be-Confirmed type of transaction.
tifosi
post Aug 17 2011, 04:37 PM

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QUOTE(ronnie @ Aug 17 2011, 11:15 AM)
Maybe the JackCow coupon I bought was Dining related which gets 5% rebate.
This is a To-Be-Confirmed type of transaction.
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I bought something before that is dining related but only get 1%.
chemistry
post Aug 17 2011, 04:53 PM

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QUOTE(ronnie @ Aug 16 2011, 08:59 AM)
I had one transaction under IPAY88 (purchase JackCow coupon) and I realised that they assigned 5% rebate for it.
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QUOTE(rachel_xxx @ Aug 16 2011, 10:03 PM)
IPAY88 - sometime i get 5% sometime 1% dont know how they differentiate
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QUOTE(ronnie @ Aug 17 2011, 11:15 AM)
Maybe the JackCow coupon I bought was Dining related which gets 5% rebate.
This is a To-Be-Confirmed type of transaction.
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Oh really? 5% cashback can happen ?!
Next time I will try to use my OCBC Ti to buy voucher liao.
I thought iPay88 for sure falls below 1% cashback category therefore I used SCB BizPlat to make payment.
rachel_xxx
post Aug 17 2011, 08:24 PM

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be aware if buy voucher online, once receive confirmation fastx2 print out the coupon or else they will quietly amend the T&C. sorry topic related but just want to inform you guys =)
chemistry
post Aug 17 2011, 08:41 PM

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QUOTE(rachel_xxx @ Aug 17 2011, 08:24 PM)
be aware if buy voucher online, once receive confirmation fastx2 print out the coupon or else they will quietly amend the T&C. sorry topic related but just want to inform you guys =)
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Noted. Thanks for the reminder.
I use "print-to-pdf" instead, coz I don't have printer. I print it out at friend's house.
tifosi
post Aug 17 2011, 09:35 PM

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QUOTE(rachel_xxx @ Aug 17 2011, 08:24 PM)
be aware if buy voucher online, once receive confirmation fastx2 print out the coupon or else they will quietly amend the T&C. sorry topic related but just want to inform you guys =)
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That happened before? Normally once you purchase the voucher, the PDF will be straight sent to you mail I always keep it there until I want to use it only print.
rachel_xxx
post Aug 17 2011, 11:20 PM

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Yup I had this experience when I bought from "tiaptiaphari" <english> site. They will sent a confirmation email with a link and I need to go to that link to print out the voucher. Wondering under which topic I can post this to warn others. And not willing to honour their claim of 100% money back guarantee for un-used voucher to unsatisfied customer.
calvinsn
post Aug 18 2011, 10:12 PM

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Just opened a 12 month OCBC FD account today with RM15K deposit. I got my first application rejected sometime around march, now since OCBC is giving promotion rate of 3.6% for their FD, might as well open FD with them and reapply the TMC. I apply via pay slip. My anual income is much more than required for the card as well. Any idea what are the chances of getting approved and the expected CL?

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