Aww, that hurts. No chance if I have other banks' cards with no record in delay payment and always make full payment?

Oh, I didn't know the UOB One Card's annual fee is waived for 5 years, I thought it requires minimum annual swipes.

for uob one card after 5 years, there is a min amount of swipes required. OCBC is quite strict, no harm for trying, write an appeal letter if they reject you.

No harm applying for it since your income is sufficient enough for the Ti.

I had my OCBC application rejected 2 times and only got approved on the 3rd try. All this happened in the time frame of 2 months.

First time I did not submit enough document, 2nd time I was categorized under high risk. Appealed and I got it after the second time.

Man, to an extent of writing an appeal letter? Basically we are begging them to give us a card.

Poor people like me needs every possible ringgit of cashback back.

If it was not 5%, I couldn't be bothered.

For me.. Once I got rejected, I would never go back to the same agent!!

There is only a few OCBC Bank, how did you guys make payment?
Open up a OCBC Savings Ac? Put some money inside and make payment online?

You can always use IBG to pay if the branches are far from you. Of coz IBG need to pay extra, I'm using citibank for IBG, each transaction charge me 50 cents, so i think it's acceptable compare to your monthly rebate, 50 cents is peanut

only RM0.50? i have never tried it. I thought it's gonna be RM2 just like third party fund transfer to other bank.
what bank u are using?
I have CIMB. MBB. RHB. PBB.
all rm0.50 for IBG?

This post has been edited by coolkid23: Oct 3 2011, 08:52 PM

click here and here

ALL UOB Platinum Cards including One Card are waived if you spend RM3K and swipe 12 times.

This post has been edited by Gen-X: Oct 3 2011, 10:37 PM

thanks for your link.

for platinum one card, free annual fee is only subject to the clause of spending 3k + and swipe 12times?

citibank card no more hot like last time?

i into this dilemma when choose my first card, after analysed Mr. Gen-X posts, my final conclusion based on my spending pattern would be

ocbc ti card (too ugly dont want it even good cash back)
maybank 2 platinum (salary not enuf , gold = ugly as platinum got 2 hole there dont know want to do what)

uob one card -chosen due to suits my need and nice card design
at first i applied uob one classic since i dint find out any difference between platinum because classic require less commitment also.
however, when come they straight give me uob one plat, i call the uob cs to activate they say my salary they give me plat and they say classic later the max credit limit only 15k, (what hell i need CL over 15k but haiz since they give then i mai use lor, scarfe they cannot reach quote then help help them la).. whole process took 1 month after i applied online coz its my first CC, complete document i send them by mail but forget my IC (LOL, email them later), then wait a few day they ask me for utility bills coz they say want confirm my address.

(got some debit card before this la, so drag so long no CC since i not big spender those time, just rctly started spend like flow water and just understood CC got cash back help save some meal money)

started using it kao kao instead of my public bank day2day card liao... been go spend alot in sushi king x2, guardian, maxis, digi, for just 5 days started use, walao.... this card really make me have a feeling spend more save more lol... but all is necessarily expenses la.. (i make myself believe it)

wonder they have uob one classic card anot? never see the design in internet.

remember to spend within your limit
else when you paying bill

haha... yea... i got keeep track my usage

wait, if i'm not mistaken, this 5-years free annual fee is for UOB Preferred Platinum, not UOB ONE Platinum?

mine is uob one platinum, they say 1st 5 years waived.... 6th year need 3k swipe...

5 years annual fee waiver for One Card Classic, Lady's Classic, Plat Visa, Plat MasterCard, Plat One Card and Plat Lady's Card. For these card, if apply together with Balance Transfer get additional 1 year free annual fee waiver.

oh ok. dont know regarding this promo.

coz i'm using 'old' uob one plat. i get free for life w/o any conditions (got b&w).

uob pref plat already terminated in june.
actually also want to terminate this uob one, already called, then the next few days (early july) they add extra benefits, so call bank and cancel the termination, got free gst waiver if swipe 3 times, and still can use this 'old' card.

Hi Gen-X

1. Annual Income: leave blank.

2. Free Lifetime Annual Fee: A Must .

3. Card required for: Cash Back/Rebate Only,

4. Existing credit cards if any: Citibank Clear Card

5. Preferred Bank or Considering CC from banks: UOB 1 Card or OCBC Titanium. Maybank AMEX doesnt seems suitable due to weekday spending more

6. Others: Looking to replace Citibank with cash rebate.
Preferable getting RM150 cash rebate based on below spending and no CAP.

7. Estimated Spending per month with the card: Average 3K
30% from Foods, 10%Petrol, 8% Telco, 10% Gym&Insurance, 42%Others.

u already have your answer on the card you choosen are cash back card
but i don't think any on the card could provide up to 150 cash back
if not mistaken all of them cap at RM 50 rebate/ month