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.

Both - 5xTP and 5% rebate (if weekends).
5xTP is better than 1% rebate. I think I saw the calculation before.

Maybank doesn't bother any MCC code, so long the transactions happen in weekends, you will get 5% rebate.

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

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

I reload mine at TnG Hub in KL Sentral, 1% rebate only.

Ticket is not in the 5% categories...
So 1% only.

Eddy924, take this as a verbal warning. You can't ask your potential customers to PM you (or vice versa) in this section.

This rule applies here:
9. We don't welcome any agents trying to solicit customers in this section either directly or indirectly. There are sections in this forum catered for such - Period.


Any repeated offence will result in giving you warning or account suspension.

This post has been edited by fruitie: Jun 25 2013, 06:33 PM

KFC KL Sentral used to have but the terminal was always down. These days the terminal is removed permanently, only cash is accepted.

As explained by David. Every LRT station has TnG reload counter and you can do that without exiting but it only accepts cash.

36k annual income is gross salary, so before any deduction.
But OCBC has the tendency to reject your first attempt even you have fulfilled the requirements.

Not necessary.
I have no commitments when I applied mine, only 2 credit cards that time with no outstanding.
Anyway, I got mine after I sounded my dissatisfaction as they can't answer the rejection reason.

Clean record is another reason for rejection. Sometimes no credit history is not a good thing as well.

I called the customer service in one of the fine evenings after my work.
I got to know my application was rejected and I just told him that I'm not happy at all because I don't see any reason why should my application got rejected when I fulfilled what they required.

I was fortunate the CS was a nice person, it was on Friday's evening that I made the call and on the following Monday my card got approved and Tuesday already sent out my card.

I don't know if these days still can get such nice CS or this method still works. This happened more than a year ago.

Yes, that no.
Good luck and don't blame me if it doesn't work.
Make sure you fulfill everything before calling them.

Clean as in no outstanding la. So got CC means no clean record?
ronnie Gen-X will have super dirty record then.
I can have 10 cards also none of their business so long I fulfill what BNM wants, >RM 36k pa has no limit on the credit card quantity.

If no credit history will be rejected as well, many cases here shows those without CC before also got rejected.
Nobody really knows the selection criteria for OCBC.

Ya, my OCBC gives the highest credit limit among all.

This post has been edited by fruitie: Jul 7 2013, 11:11 PM

OK, I rest my case.
Just to clear the air here, I didn't owe any banks' money.

In nutshell, I got my OCBC Ti as well and I have used more than a year, a happy customer.
Wanna add more cards now as I travel to overseas for work quite often these days.
ronnie's cash back cards summary gives me a lot of insights. I'm applying AEON Watami and probably HLB Wise too based on his summary and feedback.

Bad luck for me.
But many here reported as well, you may be new to this thread.
A lot of cases got reported and even TS has attached the appeal letter on first post. So now you know how many of us got rejected?

This post has been edited by fruitie: Jul 7 2013, 11:28 PM

Yes, OCBC Ti is one of the hardest cards to get these days as nobody really knows their selection criteria.

It is from 2 banks and not 2 cards.

This post has been edited by fruitie: Jul 11 2013, 06:24 PM

Got my statement, somehow ticket payment to TGV via PayPal is 5% cash back.

Will try again next time in the future to further validate this. For now, I have calculated my rebate and it shows this transaction falls into the 5% cash rebate category.

I have two credit cards registered under my PayPal account, priority is AmEx but if it is a MYR transaction, PayPal will auto choose my secondary card which is OCBC Ti since AmEx cannot transact in MYR for PayPal transactions.

Don't dare to call OCBC to check out MCC. I'm afraid to trigger unnecessary attention.

I was using PayPal to pay, do you know if they still check out the specific transactions occur from PayPal then categorize them into 1% or 5% cash back?
Or they just take PayPal as one general transaction? So, it doesn't matter what the users pay with their PayPal? The cash back is already fixed?

I hope I don't confuse anyone here.

Maybe others can try also when try to buy tickets via TGV online.
But use PayPal.

This post has been edited by fruitie: Jul 14 2013, 11:32 PM