QUOTE(Devil4life @ Aug 13 2013, 06:30 PM)
Depend on your spending pattern I guess. Wise card is only good if you can satisfy the criteria (10 x RM50 on related transactions).
Anyhow I think keeping OCBC Titanium is good as many ppl complain of it hard to be approve. Just afraid if you cancel and reapply will not be that easy anymore.
1% of other transaction is still good compared to many cards.
I just reach 1 year of my card as well and I did obtain the Annual usage bonus. Depend how you see it, one side is glad that i able to get GST offset, the other side means I just spend RM10,000.
This coming year I foresee myself not using that much too as Unifi n TNB can be paid through M2kard Amex through M2U and I have UOB One card for my BHP Petrol. Mostly will only be used for dining and other bills like telco.
Anyhow I don't understand why you mention can get the offset of RM50 if you postpone the usage since you can't achieve RM10000 usage anyway. Anyhow you can always overpay now so that when your bill comes out it'll be negative value. But do make sure that you have to pay before your bill generated. Or else anyhow the autodebit will kicks in as it based on your bill statement amount. So by paying more before it, you will have negative value and won't trigger your autodebit to pay.
Every month pumping petrol 5x + shop/buy vouchers at AEON 5x is achiveable.
By using Wise and MBB2Amex which overlap many of the OCBC categories that enjoys 5% rebates, I would get more rebates.
Probably only left with Municipal Bills/IWK/SAJ for OCBConline(on second thought might keep this CC for these transactions).
Will use MBB2Amex for AIA, TNB, Telekom, Groceries. Wise for Petrol, DeptStores, Maxis and DiGI.
Still searching for a CC for online purchases like Airlines/Hotels/Groupon (CIMB CB?) Was rejected by RHB Signature eventhough met their criteria (suspect it is becos of BT reflected in CCRIS).
Already cancel the Telekom autodebit thru Telekom 100.
This post has been edited by MGM: Aug 13 2013, 07:09 PM