ooo nice one....

so i can pay multiple times?

like my bill was rm200, i gonna pay rm50 ,rm50, rm50 n rm50

if you can convince the merchant to do so

-- posting as CC user, not as OCBC mortgage seller --

Well different people have different needs. This card is designed so that you would only use this card for your CC needs.

Anyway, for the 10x transactions for RM50 a month.. if you spend RM120 in a single transaction, is it considered 1x RM50-and-above transaction or 2xRM50 transaction?

no i mean when i pay for my tnb....

forgot to quote

RM120 is a single transaction = 1 transaction above RM50

Why does everyone trying to find a loophole in the system.... really think out-of-the-box

Guys, some of you mentioned we need to monitor our expenses.
Ask yourself la......do you do that? You probably do it first 1-2 months, after that you totally forgotten about it.

My opinion, it is indeed a rich reward card, but at the same time the 10x transaction is way too much a hassle for me to track on a monthly basis.

At times, i have high spend in a single month but at the same time i don't hit 10x spend. So, end of the day......i got "Empty Egg" lo

If they set the criteria, at least spend RM500 in a month (10 transaction x RM50 = RM500).....i'll be the first to sign up.

This post has been edited by MorpheusZZ: Jan 23 2013, 07:05 PM

Psst.....make sure every bill exceed RM50 ah. If not you will rugi lagi lagi banyak

Byeee Peeps

This post has been edited by MorpheusZZ: Jan 23 2013, 07:11 PM

Thinking of loopholes are people's nature. That's why we are here in this thread or in this subforum isnt it? So share us la what are these thoughts out of the box that you have?

we are not finding loophole, but we need to make sure everything is clear... now it's the T&C not clear...

for my case in a month, I swipe petrol 4 x 60 and tnb 1 x 120 and syabas 1 x 60 and mobile 1 x 155 , only 7 transactions.
if mobile and tnb can pay in different day and consider different transaction, they will become
- 4 x 60 petrol
- 2 x 60 tnb
- 1 x 60 syabas
- 2 x 50 mobile + 1 x 55 mobile
TOTAL 10 transactions

So i terpaksa need to calculative

Just received SMS that my application is successful. So fast.

I think probably because my name was used to register a company and have an account with HLB. Yesterday only received a call offering me Business Platinum which I turned down.

It's fast
Which category u choose?

Think so much for what?

My opinion is that it's so easy to reclaim the RM50 GST back with the cash back. Just try it out and if don't like, cancel lor. I don't think hard to track, or easier just swipe 3times a week.

Family man what else to choose.

Groceries and petrol. If I can get RM600 annually, I'm happy.

I spend around 400 in groceries in 2 months... but only refill stock once every 2 months... if ask cashier divide the bills to 50 each... sure kena scold by other ppl in the queue... hahahaa
so groceries category not so suitable for me

i guess cannot.

Im paying my TM bill via amex.

One week 2 transactions at max.

So if u charge RM50, and RM50. Only RM100 paid. the rest needs to wait next week.

Yes, I do that at least once a day :-)
Banks don't give cash-back for free, a little of effort is required from cardholders.

Buy up to RM50 each time is sufficient. ... why buy until RM400 at one time ?
When Tesco had the RM5 discount for RM100 spend, I did 2 trolleys worth RM100 each.

Not aiming for RM1200 annually meh ?

because want to save time and save petrol

if I perform 10 transaction and each of it RM50 and with 10% cash back, it is only RM50 cashback? how to max the cash rebate to rm100? different category can or not?