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Credit Cards OCBC Titanium MasterCard Cash-Back v3, Which merchant get 5% or 1% Cashback ??
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gsc
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 Jul 16 2013, 04:33 PM
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QUOTE(Lurker @ Jul 16 2013, 12:29 PM) is there is place to check the exchange rate charged by this card at the time of transaction? especially for online purchase. tq This is the Ocbc website on the exchange rate and it is changing, at least sometimes the morning rate and afternoon rate is different. But I am not sure Ocbc is using the same exchange rate for credit card transaction. You can probably try out by noting the excahnge rate, then perform on line transaction, after a few days, compare the exchange rate used. |
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gsc
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Jul 17 2013, 10:48 PM
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QUOTE(kurtkantoi @ Jul 17 2013, 01:18 PM) Few transactions surprisingly fall on 5% rebate:  1. Using Paypal to buy GSC ticket. (MCC code: 4814) 2. Elken Service Sdn Bhd - to Service my water filter. (MCC code: 5968) 3. Use ipay88 to buy coupon at livingsocial website. (MCC code: 4816) Please share on Elken service. They always come to the house and service. How did you manage to pay by card? |
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gsc
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Jul 28 2013, 01:12 PM
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QUOTE(ronnie @ Jul 28 2013, 11:23 AM) Payment utility bills via OCBC Online Banking Portal using your OCBC Titanium MasterCard will get 5% cash back. Those lists are "confirmed" to get 5%. A member reported Elken water filter service is 5% and captured in your list. Wonder which Elken service accept credit card. In Penang, only cash payment for services and even for buying filter parts which can cost up RM500+ |
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gsc
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Jul 31 2013, 08:50 AM
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QUOTE(LoveMeNot @ Jul 31 2013, 07:42 AM) Honestly, why do you want so many cards? Don't you find it bothersome? I have 6 from 5 banks and I'm already kinda bothered by it (paying for the GST). If I can cancel 3 of it I even would but I can't due to ez payment commitment. I have various cards and not paying for the tax except UOB one card. Some banks want to charge the government tax and I just told them cancel the card. A few days later, bank called up and asked for reasons. I told them do not want to pay tax, the bank staff said can waive. |
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gsc
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Aug 1 2013, 12:24 PM
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QUOTE(tachlio @ Aug 1 2013, 11:37 AM) if u lazy, just go bank straightly, normally they had EPF machine there so they can straightly print out your statement. (just need your IC) I done mine during pass by, and get the card after 1-2 week.  Not all branches have the EPF machines.. |
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gsc
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Aug 1 2013, 07:38 PM
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QUOTE(fruitie @ Aug 1 2013, 06:59 PM) Er... Insurance is there but not 5%. AAM is there but not 5% too...May be I didnt pay on line. I paid my car insurance through AAM and just by giving my credit card number to AAM through phone. ..I wonder will it be 5% if pay through Ocbc on line?? |
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gsc
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Aug 4 2013, 02:50 AM
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QUOTE(tnix @ Aug 3 2013, 11:27 AM) Hi, (1) Anyone here have had experience paying credit card exceeds the actual amount, but the extra balance is not shown in the next statement. i.e: CC : RM2092, we paid RM 2100 on DD. Balance RM 8, why RM 8 not shown in statement ?? (2) what happen if we paying CC on DD, but the transaction only appear the next business day? any interest/late payment will be charges? (2) Ocbc, Citi banks and most likely other banks allow 1-2 days after DD without charging late payment... |
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gsc
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Aug 4 2013, 05:05 PM
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QUOTE(tnix @ Aug 4 2013, 10:16 AM) yes, will show Overpaid RM 8.00, but not printed in current statement right? so every time customer paid extra, we need to calculate manually for next actual mount on DD. am i right ? Next month statement will capture overpaid amount and thus no need to calculate manually actual amount to be paid... |
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gsc
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Aug 8 2013, 12:23 AM
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QUOTE(guy3288 @ Aug 7 2013, 11:42 PM) Dear friends, just to ask if anyone has recent spend on MCC code 5968, direct mail services. Is it still 5% from OCBC? TQ. The list from page 1: Places we thought is 1% but received 5% eTiQa Takaful Mesra plan Auto Debit [MCC: 5968] Elken Service Sdn Bhd - to Service my water filter. [MCC code: 5968] Nirvana Memorial payment [MCC: 5968] May I know how do you pay your Elken Service? Paid at Elken servce centre? In Penang, I paid direct to the tech who came to service water filtering system. They only accept cash. This post has been edited by gsc: Aug 8 2013, 01:27 AM |
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gsc
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Aug 10 2013, 01:13 AM
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QUOTE(kurtkantoi @ Aug 9 2013, 07:49 PM) I paid to the Elken technician that came to my house. Give the card number to him & he made a call to the bank. A second later bank sends sms to my phone stated the amount transacted. Thanks..Penang Elken tech only take cash.....  Must call Elken Penang and tell the manager , it is risky for his technicians to carry cash around...must also casually ask the tech. If kena robbed who will compensate ...  |
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gsc
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Aug 14 2013, 11:36 AM
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QUOTE(cempedaklife @ Aug 14 2013, 09:55 AM) weird... my sms from ocbc reads: pay bills totalling rm2000 online (one must be an assessment bill) by 31/10/13 to get rm50 rebates I did not receive any sms and I can hit RM2000 target, wonder will I get the rebate.....If I were you, keep the sms as a proof should you get only RM30 rebate.... |
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gsc
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Aug 17 2013, 01:16 AM
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QUOTE(ronnie @ Aug 16 2013, 04:44 PM) Just received the SMS on the pay RM2000 bills online to get RM50 rebate.... 1. First come first served for the first 1500 customers to reach RM2000. 2. Campaign starts from 1 Aug to 31 Oct 2013 3. Only 39 online billers are included (TNB, Maxis, TM, Unifi, Astro, DBKL, ....) 4. Offered to "selected" customers who receive the SMS. Conclusion : not worth to participate Thanks...did not know it is first come first serve basis..to me, I am.going to pay my assessment anyway, no extra effort needed to get this rebate... |
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gsc
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Aug 17 2013, 10:19 AM
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QUOTE(pinksapphire @ Aug 16 2013, 04:57 PM) I'm currently on auto pay for TM point (but not on my card) and we get the RM2 rebates. Just to confirm, if I switch it over to OCBC card for auto pay, I should still get 5% rebate for my card and separate RM2 from TM right? Your currently auto pay for TM point means you have signed up with TM to auto debit your Ocbc card? ....switch over to Ocbc for auto pay means you sign up auto pay at Ocbc instead of TM ? I doubt you will get the RM2 from TM...or someone can clarify this? |
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gsc
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Aug 18 2013, 06:23 PM
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QUOTE(kazel87 @ Aug 17 2013, 11:15 PM) While its true that in general, utilities, dining and petrol offers 5% cash rebate, not all dining places offer 5%, as evidenced on the first page. So I was just sharing, in case some card holders might wanna know. Apreciate your detail reports on 1 and 5%. You are right that not all dining places give 5% thus it is beneficail to members here. |
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gsc
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Aug 20 2013, 04:47 PM
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QUOTE(avengers88 @ Aug 20 2013, 02:11 PM) how long will it normally take ? Can I call CS to cancel and I go maxis to pay ? Since I need to use the phone . It takes 2-3 working days to reach Maxis. If the amount is not big and not affecting your rebate 50 plan, just do nothing on Ocbc payment and go to Maxis to pay direct or call Maxis pay direct through phone quoting your Ti CC |
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gsc
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Aug 21 2013, 10:24 AM
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QUOTE(peri peri @ Aug 21 2013, 09:38 AM) just logged on to check. nope, nothing about any rm30 cash back noticed. Qualified under clause b(ii) but get nothing..  |
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gsc
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Aug 21 2013, 12:30 PM
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QUOTE(venicelim @ Aug 21 2013, 11:06 AM) if you are under clause b(ii), it means you are not eligible for the rebate even though you received the sms. Clause b(ii) means 3months before you received the sms, you have already paid any bill via OCBC online banking. This indirectly means you are sort of not new to the online banking to pay bill, so you are not entitled to the cash rebate. Thanks..miss out the wording shall NOT |
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gsc
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Aug 25 2013, 11:37 PM
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QUOTE(Kris29 @ Aug 25 2013, 03:49 PM) Just received a sms from ocbc asking me to activate ocbc credit card. Is tat means my application is success? but where to get my cc as I didn't receive any call from ocbc? Call ocbc to find out is it approved as none of us can help... |
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gsc
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Aug 28 2013, 07:11 PM
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QUOTE(mustang @ Aug 28 2013, 02:42 PM) What I meant is, the interest will be charged in your total amount and divided by x number of months For my case RM9000 + 3% = RM9270 Monthly repayment: RM772.50 How much interest will be able to offset if you are planning to use that to reduce your housing loan amount? 1.5% ? Use Excel and calculate what is the total sum if you "save" 772.5 per month..assume interest rate is 2.5%.. Month 1 772.5 Month 2 772.5 + (772.5*0.025/12) Month 3 772.5*2 + { ()+772.5+772.5} *0.025/12} .....till month6...the interest you paid will be roughly 303.6 or 3.37% |
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gsc
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Aug 28 2013, 10:39 PM
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QUOTE(MNet @ Aug 28 2013, 10:00 PM) how to help those ppl who max out their rm50 ? every month i only get rm20 rebate still have rm30...who wan help? If you are already max out without any other credit card, then you are already saved by not spending.... Paying bills for your parents, family members? I dont spend a lot but the assessment bill is taking up a large junk of my bill. Last month I over spent and can only max out 50 and this month too... |
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