Which Ambank account offers FREE IBG fees ?

OCBC doesn't offer a proper e-Statement which mirrors the Paper Statement

Cold Storage - 1 Utama gets 5% Cash Back [MCC 5411]

You can call the OCBC to ask what is the MCC code.
SenHeng falls under which of the 4 categories : Dining / Groceries / Utilities / Petrol ??? That will give you the answer lah

The 20% dining rebate will be listed as a separate entry in your statement. Usually creditted on the NEXT statement date (after you performed the transaction).
If your statement date is 5 June, expect the Dining Rebate in the 5 July statement.

No Bonus Points given for spends with this card....

Can you call OCBC to get the MCC code for the iPay88 transactions ?

What was your current Statement Date ?
It will be posted on the next Statement Date. It will not post the rebate in the same statement as the transaction date

You are right.... the 5th May transaction's 20% Dining Rebate would be in the 12th June Statement.

Just pay the Statement Amount/Balance before Due Date

FYI, My last month spend was RM999.96 and I received full RM50 rebate (5%) for that month. Basically OCBc uses round-up mechanism to our advantage.


This post has been edited by ronnie: Jun 16 2013, 10:53 AM

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

Most probably, it went to MCC Code of "Phone Sales". Similar to my case with Bill Payment at Maxis The Gardens
Do call OCBC to enquire the MCC code.

Not receommended to pay at Maxis Center using OCBC Titanium as they have alot of CC terminals (which is not under OCBC Telco MCC 4814)

This post has been edited by ronnie: Jun 17 2013, 09:16 AM

I did get the SmartCa$h via BHP Petrol when swipe at the pump.... to redeem your SmartCa$h you need to swipe in the store

In March 2012, it was 2% even at the pump

Actually the RM1200 yearly is intangible.... as it's creditted automatically to offset the current statement

[quote=tbheng,Jun 18 2013, 07:46 AM]
CC is diff from day to day banking ma. Rm1200 free money every year, can buy free iPad every year.

[/quote]
I second that.
I used to max out the ocbc Ti RM50 CB (and Amex one too).
In my quest for next great CB cc, I found HL.
The HL RM100 CB has come in handy for me.
Now, with 10% CB from WISE (and also 3% CB from AEON WATAMI), I have spare CB and flexibility/choice of cards to swipe.

[/quote]
We have the great set of CB cards too.... flexibility can be bad sometimes (as we need to think which card to swipe)

More Cash back Credit cards was created thanks to Najib's Govt Service Tax....

To achieve maximum rebate per month per card
OCBC Titanium MasterCard : RM1000 spend
Maybankard 2 AMEX : RM1000 spend
HLB WISE Visa : RM1000 spend
AEON WATAMI Visa : RM1666.67 spend [Quarterly Rebate 3%]

Total : RM4666.67 to earn RM250 cash back per month
Average Cash-Back : 5.36%

Way to go.... WATAMI is like a hidden cash-back CC gem

Never liked Citibank Cash-Back mechanism.... too low to compare with the top 4 CBCC (in my opinion)