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Credit Cards OCBC Titanium MasterCard Cash-Back v3, Which merchant get 5% or 1% Cashback ??

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KTCY
post Jun 16 2013, 12:01 PM

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QUOTE(-Matrix- @ Jun 16 2013, 11:53 AM)
hello all,

it seems having ice-cream at "haagen dazs" klcc is not considered dining hence not entitled to 5% cashback rebate ... anyone encountered similar transaction to confirm this?

i'm seeking clarification from ocbc and hope to hear what they've got to say on this ... if it's not dining, then what should be the category then?

cheers ...
*
First page stated MCC 5499
See link below
http://mcc-codes.findthedata.org/l/595/5499

-Matrix-
post Jun 16 2013, 12:05 PM

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QUOTE(KTCY @ Jun 16 2013, 12:01 PM)
First page stated MCC 5499
See link below
http://mcc-codes.findthedata.org/l/595/5499
*
noted - thanx ... still, wanna argue with ocbc, though i don't think it'll produce any positive outcome vmad.gif
TSronnie
post Jun 16 2013, 12:27 PM

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QUOTE(-Matrix- @ Jun 16 2013, 11:53 AM)
hello all,

it seems having ice-cream at "haagen dazs" klcc is not considered dining hence not entitled to 5% cashback rebate ... anyone encountered similar transaction to confirm this?

i'm seeking clarification from ocbc and hope to hear what they've got to say on this ... if it's not dining, then what should be the category then?

cheers ...
*
If you followed my post previously, I already reported Haagen-Dazs MCC is under Food Kiosk/store which OCBC does not consider Dining rebate.

I rather use Maybankard 2 AMEX at Haagen-Dazs
noien
post Jun 16 2013, 02:07 PM

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QUOTE(wyen @ Jun 16 2013, 10:52 AM)
My annual income just recently increased to rm 36000 per annul and holding 2credits cards, citibank clear cards and MBB2 cards. I just applied it through booth at masjid Jamek but got rejected and the reason is holding 2 cards with recent annual income that made me got rejected?
*
same here. i was holding 2 cards as well. got rejected even after appeal.
fruitie
post Jun 16 2013, 02:11 PM

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QUOTE(wyen @ Jun 16 2013, 10:52 AM)
My annual income just recently increased to rm 36000 per annul and holding 2credits cards, citibank clear cards and MBB2 cards. I just applied it through booth at masjid Jamek but got rejected and the reason is holding 2 cards with recent annual income that made me got rejected?
*
QUOTE(noien @ Jun 16 2013, 02:07 PM)
same here. i was holding 2 cards as well. got rejected even after appeal.
*
Normal for OCBC Ti to reject, just keep trying. smile.gif
Majority of the holders here got rejected on the first attempt, so just don't lose hope yet. smile.gif

Try appealing again after some months.
noien
post Jun 16 2013, 02:14 PM

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QUOTE(fruitie @ Jun 16 2013, 02:11 PM)
Normal for OCBC Ti to reject, just keep trying. smile.gif
Majority of the holders here got rejected on the first attempt, so just don't lose hope yet. smile.gif

Try appealing again after some months.
*
yup. CS say only can apply after 3 months.
already cancel a card so that I will be having only 1 card for now
fruitie
post Jun 16 2013, 02:20 PM

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QUOTE(noien @ Jun 16 2013, 02:14 PM)
yup. CS say only can apply after 3 months.
already cancel a card so that I will be having only 1 card for now
*
By right you don't need to cut down any card because as per BNM's requirements, 36k per annum can have unlimited no. of cards.
I got my OCBC Ti even though I had 2 cards that time.
After I got my OCBC Ti, I only cut down my CIMB card that didn't benefit me.
-Matrix-
post Jun 16 2013, 04:55 PM

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QUOTE(ronnie @ Jun 16 2013, 12:27 PM)
If you followed my post previously, I already reported Haagen-Dazs MCC is under Food Kiosk/store which OCBC does not consider Dining rebate.

I rather use Maybankard 2 AMEX at Haagen-Dazs
*
couldn't remember all the shops ... happened that my sister wanna try the ice-cream after shopping so i thought it should fall under dining since it's, well, sells ice-cream which is not electrical appliance biggrin.gif ...

when you mentioned rather use maybank 2 amex - you're referring to this card giving away 5% cash rebate? or because of 5x points?

cheers ...
fruitie
post Jun 16 2013, 07:20 PM

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QUOTE(-Matrix- @ Jun 16 2013, 04:55 PM)
couldn't remember all the shops ... happened that my sister wanna try the ice-cream after shopping so i thought it should fall under dining since it's, well, sells ice-cream which is not electrical appliance  biggrin.gif  ...

when you mentioned rather use maybank 2 amex - you're referring to this card giving away 5% cash rebate? or because of 5x points?

cheers ...
*
Both - 5xTP and 5% rebate (if weekends).
5xTP is better than 1% rebate. I think I saw the calculation before. laugh.gif
hebe87
post Jun 16 2013, 07:46 PM

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5xTP roughly equals to 2.5% rebate
-Matrix-
post Jun 16 2013, 08:12 PM

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QUOTE(fruitie @ Jun 16 2013, 07:20 PM)
Both - 5xTP and 5% rebate (if weekends).
5xTP is better than 1% rebate. I think I saw the calculation before. laugh.gif
*
thanx fruitie ... so, in this case, ocbc is giving out only 1% while maybank gives away 5%? i thought due to the same mcc code, all banks should treat it the same way? or because maybank's special week-end plan where you can enjoy 5% cashback even though you're making down payment for a car or a house, as long as the transaction is made on weekend?

if that's true, then i've to seriously consider getting this maybank 2 amex as 1st card to use during weekend while ocbc as backup up, though i really hate the maybank logo ... hmm.gif
KTCY
post Jun 16 2013, 08:35 PM

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QUOTE(-Matrix- @ Jun 16 2013, 08:12 PM)
thanx fruitie ... so, in this case, ocbc is giving out only 1% while maybank gives away 5%? i thought due to the same mcc code, all banks should treat it the same way? or because maybank's special week-end plan where you can enjoy 5% cashback even though you're making down payment for a car or a house, as long as the transaction is made on weekend?

if that's true, then i've to seriously consider getting this maybank 2 amex as 1st card to use during weekend while ocbc as backup up, though i really hate the maybank logo ...  hmm.gif
*
@bold : depends on what bank and what kind of card. Doubt all bank treat it the same
wyen
post Jun 16 2013, 08:55 PM

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QUOTE(noien @ Jun 16 2013, 02:14 PM)
yup. CS say only can apply after 3 months.
already cancel a card so that I will be having only 1 card for now
*
so chances are higher if i cancel one of the cards? Then i will cancel my citibank card then tongue.gif
goliath
post Jun 16 2013, 09:20 PM

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Menya Musashi, Isetan 1 Utama - 1% cash rebate only
fruitie
post Jun 16 2013, 09:26 PM

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QUOTE(-Matrix- @ Jun 16 2013, 08:12 PM)
thanx fruitie ... so, in this case, ocbc is giving out only 1% while maybank gives away 5%? i thought due to the same mcc code, all banks should treat it the same way? or because maybank's special week-end plan where you can enjoy 5% cashback even though you're making down payment for a car or a house, as long as the transaction is made on weekend?

if that's true, then i've to seriously consider getting this maybank 2 amex as 1st card to use during weekend while ocbc as backup up, though i really hate the maybank logo ...  hmm.gif
*
Maybank doesn't bother any MCC code, so long the transactions happen in weekends, you will get 5% rebate. brows.gif

OCBC is good to used during weekdays with guaranteed 5% rebate. biggrin.gif

This post has been edited by fruitie: Jun 16 2013, 09:27 PM
noien
post Jun 16 2013, 09:31 PM

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QUOTE(wyen @ Jun 16 2013, 08:55 PM)
so chances are higher if i cancel one of the cards? Then i will cancel my citibank card then  tongue.gif
*
just my own opinion. since I doesnt need the UOB card. so I just cancel it.
will apply OCBC again when I see the booth

wyen
post Jun 16 2013, 09:35 PM

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QUOTE(noien @ Jun 16 2013, 09:31 PM)
just my own opinion. since I doesnt need the UOB card. so I just cancel it.
will apply OCBC again when I see the booth
*
recently i saw the booth was in KL sentral tongue.gif but i guess i need to wait for another 2 months first
gsc
post Jun 16 2013, 10:34 PM

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QUOTE(noien @ Jun 16 2013, 09:31 PM)
just my own opinion. since I doesnt need the UOB card. so I just cancel it.
will apply OCBC again when I see the booth
*
UOB one card 5% petrol rebate, additional 2% if pump at BHP.
SUSDavid83
post Jun 16 2013, 10:44 PM

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QUOTE(gsc @ Jun 16 2013, 10:34 PM)
UOB one card 5% petrol rebate, additional 2% if pump at BHP.
*
The 2% comes in smart cash thing right?
noien
post Jun 16 2013, 10:44 PM

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QUOTE(gsc @ Jun 16 2013, 10:34 PM)
UOB one card 5% petrol rebate, additional 2% if pump at BHP.
*
i got SCB15% for temporary use and got a AMEX supp. so UOB is not so important tongue.gif

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