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

beside amex, is OCBC 1% cash rebates for other purchases are considered highest compare to other credit cards

GST appear even I have spent >10 k need to call them for waiver

3 times want to pay bill got rejected

aiyo what happened to their online banking, difficult to log in and can't pay bills