QUOTE(staind @ Oct 16 2011, 08:15 PM)
Take both.
Your utilities bill amount is substantial according to you. Bear in mind for OCBC Titanium, you earn nothing back after you reached the monthly RM50 rebate cap.
Pay utilities using OCBC TItanium. If you purchase anything over the weekend, put MBB2 Amex as 1st priority. If can't be used at the merchant, then use OCBC Titanium since it is giving at least 1% cash back.
If going overseas, put MBB2 Visa/Mastercard as 1st priority due to its lower foreign exchange rate.
The RM50 X 2 = RM100 service tax can be easily earned back.
if utility bill is "substantial" for the usage, I don't think his/her usage will be very much.. it will become a "loss" to her considering the gst from both cards.. therefore I would suggest her to take the most convenient card..Pay utilities using OCBC TItanium. If you purchase anything over the weekend, put MBB2 Amex as 1st priority. If can't be used at the merchant, then use OCBC Titanium since it is giving at least 1% cash back.
If going overseas, put MBB2 Visa/Mastercard as 1st priority due to its lower foreign exchange rate.
The RM50 X 2 = RM100 service tax can be easily earned back.
Oct 16 2011, 11:43 PM

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