OCBC Ti and Maybankard2Gold Card. You will never go wrong with these two cards.
Many recommended and I have both, no regret till today.
I will advise anyone that fulfills the salary requirement to apply for this combo.
I cancelled all my other useless cards and only retain these two.

OCBC Ti? hmm..ok great. was thinking that or UOB.
i'll read more on it b4 hand.
thx for the advise.

OCBC Ti = OCBC Titanium
I believe OCBC Ti is better than UOB One Card.
Read more on the dedicated threads.

what card is good for free movie tickets , restaurant & cafe discounts ?

I dun have worries about car petrol.

For movies click here to my article The Best Credit Cards for Movie Tickets 2012.

For restaurants and cafe discount - that's too general. Check with your favorite restaurants to see if they offer discount for a particular credit card. If you want cash back for dining, then look into MACH by Hong Leong Bank and OCBC Titanium MasterCard where both offers 5% cash back for dining everyday of the year.

I think UOB ONE would be easier to apply...of course OCBC Ti is 1st choice

Believe it or not, i have OCBC titanium and applied for UOB kena reject. I also dunno why. 1 person can't have more than 2 credit cards?

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Added on September 15, 2012, 10:57 amCitiBank Clear Card~

This post has been edited by ck23: Sep 15 2012, 10:57 AM

Singapore bank competition kot

0.2% only for petrol I think from mach... But they got 10% for dining.

What do you think about mach?

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Added on September 15, 2012, 6:16 pmsub from parents?

This post has been edited by omores: Sep 15 2012, 06:16 PM

Not all dinning places offered 5% rebate for OCBC Titanium...it has to match with the merchant code...Example, I paid maxis bill at maxis centre and didnt get 5% rebate even it is under Telco category. OCBC said the terminal which is used to sweep the credit card mus has the right matching code.

That's true, applies to MACH by HLB too. Please refer to OCBC Thread for more places that do or don't give the 5% cash back and also report there your case, i.e. location of the Maxis Centre. But I am surprised for your Maxis Centre (not dealer or authorised payment centre) you did not get the 5%. My autodebit with Maxis and Unifi I do get 5% cash back. And so far I have been getting the 5% cash back for my Dining bills with OCBC TMC.

This post has been edited by Gen-X: Sep 16 2012, 01:23 AM

I called OCBC on my maxis bill and the reason they gave is the credit card terminal merchant code is not 5% merchant code. i guessed Maxis centre does sell phone packages and some terminals are not meant for phone bills payment. Now I am using OCBC internet banking to pay bill and get the 5% rebate.

There used to be a thread on OCBC Ti Card and somewhere I have sort of "disconnected" from it.

You should go check out the OCBC thread (link below), ronnie did a very good job on compiling the places that do and don't give you the 5% cash back and the merchants codes are stated there too. If kiasu, next time check with merchant the code before swiping to ensure you get the 5%

http://forum.lowyat.net/topic/2342970

And if you check the OCBC Thread, you'll note it Maxis Centre at The Garden also do not give you the 5% cash back.

This post has been edited by Gen-X: Sep 16 2012, 01:50 AM

1. Annual Income: RM28K to RM32K

2. Free Lifetime Annual Fee: Preferable

3. Card required for: Petrol, Cash Back/Rebate, reward points , Installment Plans, shoppings.

4. Existing credit cards if any: Gold Maybankard 2

5. Preferred Bank or Considering CC from banks: any

6. Others: Looking for a card to use with my gold Maybank 2 cards, I love the Amex card back but some of the places cannot accept Amex card, so looking to apply my 2nd card in master/visa to help me with better rewards/cash back.

Previously tried to apply OCBC Titanium but rejected, so looking for alternative.
Looking forwards for some recommendation from you guys



This post has been edited by normaron: Sep 16 2012, 09:17 AM

Bro, since you failed to follow the post#1 format, I shall assume you have not hit the AMEX 5% cash back cap and your expenses below RM1K in total.

Generally, for Petrol you can qualify for UOB One CArd and earn 5% cash back. But is you are already pumping petrol on Weekends wth your MBB 2 Card, really no point getting this card.

For shopping, say you spend RM1K per month, and you get a card that rewards you 1% cash back, that's RM10 per month or RM120 per year in cash back. Less the GST RM50, you will have earned RM70. But because you have the MBB 2 Visa or MasterCard, you would also have earned 0.5% or RM60 when you redeem for cash vouchers (or slightly less when you for Rcubed cash redemption at 1U). Therefore, the difference is only RM10 per year!!! And if you spend less than RM500, what's the point for having another card that don't give you discount at merchants you spend your money?

For installment plan, you already have one of the best card - Maybankard Visa or MasterCard.

This post has been edited by Gen-X: Sep 16 2012, 10:16 AM

CC sifu good day, seek opinion on best card to maximize the benefits.

1. Annual income 150k
2. Must ( free life time annual fee)
3. Mostly used for petrol, groceries, paying bills
4. Citibank master card platinum, HLB Visa platinum, Maybank Petronas Visa Platinum & AMEX gold
5. Willing to consider any bank with best rewards & perks.
6. Can we pay HP loan using CC?
7. Petrol - 800, bills - 700, groceries 500, movies 100, insurance 600

Item 6 - if got you let me know please.

1st thing to do is go apply for Maybankard 2 Cards which can be easily done in an hour at 1U Maybankard Centre since you got MBB cards.

2nd thing is go apply for OCBC TMC.

3. Click here and see table I prepared for my MACH article comparing various cash back cards.

4. You need to go plan yourself on how to maximize the cash back for both the OCBC TMC and MBB 2 Cards. Example, expenses you have control on when to swipe (groceries), do it on Saturday and Sunday to get 5% cash back plus 5X TP with the MBB 2 AMEX. For utilties bills RM700, you can use your OCBC TMC, which means you only have RM300 to spend on 5% cash back items before reaching the cash back cap of RM50/month.

4. TGV and GSC may also accept AMEX which is good for weekends. If you do go to the movies every Friday and mostly at TGV on other days, look into Citibank Clear Card. Also click here to read my article The Best Credit Cards for Movies.

If you pump at Petronas only, I guess if you still have not hit the OCBC cash back cap, you can use it on weekdays. And once you hit the cash back cap use your MBB Petronas, best to use it on weekends to earn 8X TP. Having said this, some Petronas do accept AMEX, go check.

This post has been edited by Gen-X: Sep 17 2012, 12:26 AM

Thanks.

That CC saving comparison is really an eye opener! Really admire your dedication to compile & share it with others.
Most Petronas i frequent does not accept AMEX.

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Added on September 17, 2012, 12:13 pm

This is how i planned once i switch to both cards

This post has been edited by gloryglory888: Sep 17 2012, 12:13 PM

Did you earn any free gift(s) with your SCB plat?
What you redeem with your SCB Plat Points? Worth more than the cash back compared to OCBC TMC?

Answer the above and you will know yourself if the SCB card is worth keeping.

As for the Maybank Gold, go and apply for Maybankard 2 Cards Gold which is FREE For Life and once approved, go transfer all the Treats Points to the new Maybankard 2 Cards account and cancel your Maybankard Gold credit card.