TM told me the rebate is RM2. OCBC claimed that phone utility bill rebate is 5%. How did you get RM6 from Citi Bank? Which types of credit card?

Tq

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Added on November 14, 2011, 10:59 amI get my spouse to apply for it since her spending is not that high and I will max rebate from both cards


This post has been edited by gsc: Nov 14 2011, 10:59 AM

I applied OCBC titanium card using their terminal beside the ATM, I am very impressed by their efficiency. The card was approved instantly with the credit stated on the computer screen.

I also applied MB 2 Amex card but give up. Even with my current approved credit card from other Bank, May Bank need documents.

I applied in Penang, OCBC Bishop Street. I was surprised too to read from the screen....something like
"your application is successful and your credit limit is xxxxx..." The card was delivered to me in less than a week after the OCBC staff called me to confirm address etc

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Added on November 15, 2011, 3:00 pmI applied in Penang, OCBC Bishop Street.

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Added on November 15, 2011, 3:03 pmIf they need income document then those credit card promoters in the shopping mall will be out of biz.....very much prefer using existing card as reference

This post has been edited by gsc: Nov 15 2011, 03:03 PM

only a very small amount FD ..

Will you still get RM 2 + RM2 (internet) rebate from Talikom?

First month rebate close to RM50 after spending close to RM5222. Over spent on 1% rebate .
Most of my rebate comes from 1% rebate. I have UOB 1 bank for petrol. Any suggestion to maximiz 5% rebate??

I use it on Talikom, Digi, Maxis, TNB but cant make it to RM50 rebate. Their 1% is better than other cc which gives only 0.3% rebate..........

I received rebate but cant trace it which one is 5% or 1 % rebate. Is groupon 5% rebate?

I dislike bank use the term first come first serve coz it means you may get zero rebate on spending...that's why I cancel public bank cc

Dont get tricked by RHB Tesco card, the rebate is only 40% of your Tesco total spending whereas other credit cards are 100% of Tesco spending.

if you spent RM100 with RHB Tesco, only RM40 is subjected to rebate, 2% rebate = RM0.80
if you spent RM100 with Citi Cash Back or UOB 1 card, RM100 is subjected to rebate, 2 % rebate = RM2.
Of course OCBC Titanium =RM5

40% of total RHB -Tesco spending is subjected to rebate and I wasnt aware about this when I first signed up. There is also a max limit claimable every month. Now OCBC Titanium has replaced my RHB card spending at Tesco

I dont track my 5% nor 1% rebate monthly. What I do is called up OCBC credit card centre and ask the status of rebate. They will tell you the total 5% and 1% rebates which you have earned, from that i will minus RM50 (max rebate) and that should be the limit to spend.
I must give praise to OCBC for this excellent service.

of course you can. Use other credit cards if you have. Remember there is a limit of RN50 rebate per month which means whatever you spent may not get any rebate, then there is no point asking for temporary higher credit limit.

If you dont have other card and you prefer to travel cashless with credit card, one way is credit in some cash money in your credit card.

Bank dont mind give temporary higher limit if the card holder has good payment record

Starting 2012 BN needs all the doc for new application. If the bank just submitted the application without doc, the application will be questioned by BN. I have given up my application to May2 cards coz so troublesome

This post has been edited by gsc: Feb 23 2012, 10:26 AM

Inheritance ? also consider as income....must learn the kungfu from him how to live without income

So what is wrong of getting RM50 rebate? Are you concern on overspending and get No rebate??


Method A (This is after spending with statement comes in)
Look at the statement, it gives you how much is 5% and 1% rebate.
Look at the spending that entitle to 5% rebate, added all up and counter check with the 5% rebate.
The remaining spending multiply by 1% and check against the 1% rebate given.

If you are not sure which one is 1% or 5%, call up the bank to clarify.

Method B (This is to make sure you dont over use and get no rebate at all after hitting RM50 limit)
Call up the bank and tell them you want to know how much can you spend to get maximum RM 50 rebate.

I usually dont keep track on 5% or 1% exact spending. Sometimes we also the dinning place is 5% or 1% rebate.
Just call up the bank, they will tell you up to that moment how much is your rebate. From that you will be able to calculate how much more to spend.

Example, if bank said you have claimed up to RM 35 then it means you can still have RM15 rebate to go.

you can spend RM 300 on 5% rebate (300 x0.05= RM15) or
spend RM 1500 on 1% rebate ( 1500 x 0.01 = RM15) or
a combination pending what do you need to spend

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Added on February 24, 2012, 8:18 pmI have tried two different May Bank branches with my existing Citi credit cards (more than 10 years). Both branches asked for payslip or tax return.

Last month I was in supermarket, RHB having promotion. The RHB bank staff ask me to upgrade my RHB platinum card. I told him I dont like to submit any doc. He said no need as I am already RHB credit card holder. Last week I received a letter from RHB stating they need pay slip etc otherwise cannot process the application. Didnt bother to response as I was not that keen to have their card since their rebate is miserable. 40% of the Tesco spending will be used for rebate calculation.


This post has been edited by gsc: Feb 24 2012, 08:18 PM

Mind sharing RM10 and RM50 cash back?

This post has been edited by gsc: Feb 28 2012, 10:53 PM

thanks.......limit to RM200,000.......so not guarantee........

2Q 2012??

good info. will do it for the next payment.....what about cukai tanah?