This is the problem when credit card and BT share the same account in view of the payment hierarchy. The best is BT with CIMB/DA, where a separate BT account will be purposely opened so that payment for BT and credit card will not be messed up.

If you received RM50 cash back by spending a cumulative amount of RM1115, the effective cash rebate rate is 4.48%. It is still much better than other cards.

The T&Cs have stated clearly that the maximum cash back per month is RM50.

They are 2 types of CL reduction, namely permanent or temporary reduction. I opted for permanent reduction, as I do not like to see a high limit shown in the BNM credit report, for a card that I do not get any benefits at all after my spending has hit the maximum RM50 cash back per month. The CL of my OCBC Titanium is only RM6,000 now.

Apart from security reason, another 2 main reasons are: 1) to reduce credit exposure and 2) the card does not give any further cash back or points if your spending has hit the maximum cash back of RM50 per month. For the worst case scenario, if you only swipe the card at merchants entitled to 1% cash back, the maximum spending per month entitled to cash back is RM5,000. What's the point of having a high CL for this card?


You will have a high credit exposure via "potential debt", thus effecting your chances to get a bank loan.

It is true. But it is not the case for cards that give cash back cap like OCBC Titanium MC.

I never thought that purchases at pharmacy would give 5% cash back. It is not categorised under grocery.

I patronised a Chinese medicine shop in Bandar Puteri Puchong 2 months ago. I cannot remember the name of the shop but it is located near the public library. The shop also sells some groceries. My transaction was given 5% cash back.

I received 5% cash back for a transaction in Zouk.

It is automatically reset after the statement date.

I also received the RM3,000 spending contest. I will definitely skip this, as for the previous contest in May/June I ended up with NOTHING even though I spent more than RM1,000 on the first day of the contest.

This post has been edited by winner: Sep 29 2011, 02:42 AM

The 5% cash back is based on MCC but not merchant type. I swiped at 2 different supermarkets selling grocery in Europe. One earned 5% cash back while the other only gave 1% cash back.

5% cash back for Yes 4G reload at www.yes.my using OCBC Titanium MC.

It's a restaurant so that you should be able to get 5% cash back, unless the business is registered under different merchant category code.

The "credit cards from a maximum of two credit card issuers" rule does not apply to those earning more than RM36,000 per annum.

Yes, I received this kind of sms about a year ago. Thereafter OCBC issued a new card for me with a new card number too. It troubled me to update all my auto debits.

They only suspected the syndicate. It's simply a safety measure to prevent it.