Can i use OCBC Titanium credit card to buy UMobile phone plan to earn 5% Cash-Back? thanks.

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Added on March 17, 2012, 10:09 pmi went to the Sunway Pyramid Umobile Service centre to buy Umobile prepaid, and earn 5% cash back.

I did checked with OCBC that cash bonus rebate is based on the Merchant code classified, if the Merchant code is listed under the "telecommunication", then you will earn 5% cash bonus.

Example, the Carrefour in Tropicana, Shopping should fall under 5% cash back, however, this Carrefour in Tropicana only earn 1% back, because they are sharing department merchant service.

This post has been edited by waisang: Mar 17 2012, 10:09 PM

The only thing to know the Merchant code is to go the shop to swipe the card once.

Some companies they may have few difference subsidiary, example, Maxis Telecommunication, Maxis Sales and Service, although they are same Maxis, but the company have may different policy for the biz run, Telecommunication can have one Swipe machine, phone sales may have different machine etc, but the Cash bonus is subjected and applicable to only "Telecommunication" category.

Example, if you are going to only Carrefour, Gaint, Tesco, not departmental store or not sharing other company merchant machine, then something you can be sure or call OCBC.

I have ask OCBC centre about Umobile Phone purchase, they are not able to confirm with me, if umobile has different swipe machines use within to the company.

if you pay Maxis Online, will you earn the 5% bonus?

it is yet fully up, i cannot pay my bill too.

can't find the service interruption status advice in ocbc home page.

advise to call OCBC Call centre for update.

Advised you to speak to OCBC Call centre.

I think you can make TNB payment at their portal - https://e-services.tnb.com.my/scripts/wgate/zeservices/!

This is major upgrade OCBC upgrade, hopefully the IT team can fully rectify the issue asap, i believe the IT team is working very hard and looking into the matter and to bring the system up.

As long as if you are within the requirement, your application would be fine.

bank negara malaysia credit card guidelines

The eligibility requirements for credit cards are revised as follows:

- The minimum income eligibility for new credit card holders is set at RM24,000 per annum;

- For cardholders earning RM36,000 per annum and less, the following would be applicable:-

Cardholders can only hold credit cards from a maximum of two issuers.
Existing cardholders who currently hold credit cards from more than two issuers are given up to the end of 2011 to select their preferred issuers. Cardholders will also be given at least two years to service their outstanding credit card debt for the credit cards that have been cancelled for the purpose of meeting this requirement.

The maximum credit limit extended to a cardholder shall not exceed two times their monthly income per issuer.
For existing cardholders, whose credit card outstanding balance exceeds the maximum credit limit, a grace period of two years will be given to them to meet with the new requirement.