Yes

[quote=cempedaklife,Jun 12 2013, 10:21 AM]
that's not necessarily the case, that food deal via ipay88 via living social is under 5%

i've had food related deal under 1% but i also have non food related deal under 5%
it's more like a roulette in these cases

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It is dependent on the MCC code ...I paid Maxis phone bill at Maxis center and got only 1%....but paid on line through Ocbc internet banking get 5%

Actual billing dependent on the area you stay and the postal coverage....you can see the actual on line...

Maximum rebate is RM 50.

RM 5000 spending x 1% rebate = RM50.

Further spending with this card get nothing. Why need to increase credit limit? You can call the bank and request for credit limit.

You can pay for your family members or friends and give them 1 or 2% rebate and pocket in the 3%...or if you target to reach the target bonus then give away 5% rebate

Utility bill, indah water, phone bill, quit rent, assessment, road tax, insurance, hypermarket shopping...

UOB one card 5% petrol rebate, additional 2% if pump at BHP.

Yes

1) my personal experience is can get the Ti card easily as RM s filing up the form, submitted and approved without problem. Gave them the condition that only want the card provided fee is waived. RM helped to write in together with the application form and charges was waived...

Agreed. Citi cash back used to be probably number one when first launch. It becomes my spare card as I cant think of a good place to spend and get a good return..

The way Ocbc set up on on-line payment is tricky. The default payment is saving account not your credit card. After clicking bill payment you have to select payment by cc. A couple of times I was in a hurry and ended up payment by saving account which means zero rebate. Since then I only keep a very small amount in saving account, just in case I accidentally paid by saving account, the system will reject it because of insufficient fund.

I can offer you 5% .....if have house or FD, use them to get loan will be cheaper. Ask them if 3 years, what is the monthly installment.
Let say, it is 700,
700x 36 installments - 7600 = interest paid to Ocbc. From that you can calculate what is the effective interest ocbc charge...

Swipes= transaction

I suspect it is an excuse. That day I went to Xuan Xin restaurant , Queensbay Mall, Penang. Waitress said terminal down but i insisted to stand there and wait till terminal up. Cashier asked me to be seated and wait. Less than 5 minutes, transaction is through. Not sure this is 5% or not. Will need to call and check.
KFC Bayan Baru and Sg. Dua branch, Penang accept cc.

Penang, queensbaymall Xuan Xin restauratnt 5%

Using card in overseas does not incur any service charge but whatever you spent in S$ will be converted to RM. most of the time, the exchange rate bank used is unfavourable (lower).
Keep this as spare and appply one in Singapore. If 50 rebate is insufficient for you then having two Ti cards will be great. I am assuming bank will issue one from Singapore side even though you already have one issued in Malaysia.
Since you will be working in Singapore, salary in S$, applying one in Singapore is more convenient for payment etc

A year ago I applied on line and get the approval within same day but getting the physical card took more than a week.

Normally I thought hospital and hotel operates the same way when you are required to swipe the card for deposit. I swiped my card for hospitalization and I asked the cashier can I used separate card when checking out the hospital. The cashier answered yes during checking out I can use any other credit cards. Thus I planned to use ocbc Ti card and other credit cards as I do not want to end up over spending the RM50 rebate.
The next day when checking out, the same cashier said yesterday already charged to Ti card...RM5k without any rebate or point..

You could have applied UOB One card for 5% rebate on petrol + 2% smart cash if pump in BHP

Usually Rebates from priority cards are low, less than 1% or even 0.03%...ocbc provides 1% rebate for other purchases.
Another plus point is we all need to pay phone bill, internet bill, utilities bills etc and ocbc provides 5% rebate. However for those spent a lot on these bills then need to have other credit cards to maximize the rebate..

AAM appear as a merchant in Ocbc internet banking merchant list. I paid my car insurance through AAM, not on line but through authorizing AAM to charge to Ti card. Only get normal 1% rebate. Wonder anyone try on line payment