Agree! I even asked the bank to reduce my CL last time... this help us to better control the spending we can always ask them to increase our CL temporarily whenever we're going for holiday abroad...

Got a SMS from OCBC that my Titanium card has approved and it's on-the-way to my house

Will switch to this card once I got it and then, cancel my Citibank cash back card...

Yes, I applied the Titanium card at about the same time as my MBB 2 cards application. Now, I already got a letter from OCBC saying that my card is on the way but MBB still processing my application. What a big different in term of efficiency... This is what I always like to say, "Malaysia Boleh!"

This post has been edited by ks98: May 12 2011, 11:14 PM

got my card today...

Why not pay your CC directly via GIRO? If you have basic saving account with any bank, it's also only RM0.50 (for first 2 Inter-Bank Giro in a month).

It depends on what type of saving/current account you have. If you have the Basic Saving/Current Account, then the first 2 GIRO/month will be RM0.50 only. From third GIRO onwards, bank will charge per their normal rate, e.g. RM2 or RM1 (Alliance Bank).

Or you can open Citibank Basic account that allows you to have unlimited RM0.50 GIRO.

This post has been edited by ks98: May 23 2011, 09:12 AM

I don't have any account with OCBC and yet still manage to get my card. However, I was their CC customer 3 years ago.

This post has been edited by ks98: May 25 2011, 09:36 AM

If you followed the T & C, it should be 1%.

Eligible merchants and their associated merchant category codes (“MCC”) under the OCBC Titanium Cash Rebate Programme are as follow:

5% Cash rebate on Petrol, Groceries, Utility Bills and Dining
i) Petrol/Gas Stations (MCC codes 5541 and 5542)
ii) Grocery Stores (MCC codes 5411, 5422 and 5451)
iii)
Utility Bills (MCC codes 4814,s 4815, 4816,4821, 4899 and 4900)
iii)
Restaurant (MCC codes 5811, 5812, 5813 and 5814)

i think it doesn't matter which way you pay the bill. According to the t&c, it's determined by the merchant category code.

I've just paid TNB bill via OCBC online and will update if it's entitled for the 5% rebate.

However, if you use the card frequent enough, then it should be no problem for you to earn back the RM50

No, in the t&c, OCBC does mention that this will happen if you use the card in the departmental store because the rebate is based on the MCC code.

Then, i think the terminal has incorrect MCC... It does mention in the t&c, this could happen...

btw, this is not the fault of OCBC...

This post has been edited by ks98: Jun 14 2011, 11:23 PM

For my case, i registered auto-pay for my TM bill and still get the 5% case rebate from OCBC. Of course, the RM2 TM rebate (what a stingy rebate scheme from TM).

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Added on July 7, 2011, 8:43 amso far, i don't face the delay problem. Almost get it immediately.

This post has been edited by ks98: Jul 7 2011, 08:43 AM