got paper statement, it comes with an ebanking account too

Without the online pin for ebanking, cannot purchase online. I am facing this problem

You can give excuse of chip problem, plastic peeling off etc to get it free but then you have to wait it to arrive at your doorstep

Got CS called me to offer loan which is 85% of my credit limit, interest rate is 5.99% pa. For unsecured loan, i think it is reasonable

There are a lot of dining places in sg giving 5% rebate too. Just that i pay telco bill at Starhub, only 1% rebate, mcc 4812

for first time sign up, you were most likely be enrolled to some kind of contest such as luggage bag mentioned some time ago or else if you applied from specific agent, the may had offered you something else. if you did not get either one of these means you really paid for the gst, you can cover your gst by utilising the monthly rebate cap of RM50.

for subsequent years, if you spend RM10k/annum, then you will receive an annual usage bonus, RM50 automatically after you are being charged for the gst, RM50

It is by invitation, i was offered 5.99‰ after using their card for few months. 3% may be for long term good record customer, you may try and ask ocbc

So far only SCB requested it from me due to i do not own a card which is more than 2 years. Did not know that OCBC practises this too

i am using it under AIA and Prudential also 1% only

ocbc is really generous on the CL, so far i cant even swipe 1k per month on this card. most likely cannot get the annual usage bonus

ocbc called to offer loan again from cc cl. 5.99% pa. not attractive at all