Checked

Checked

And also checked for the month-to-month bill payment. Never owe a single cent and always paid in advance. Utilisation is more than 50% .. Wondering if the CS will increase my credit limit by not filling up the physical application form or not, as I am not free to visit their branch.

You can confirm with them need to fill in any forms or not. But i guess you need to.

well if u are paying for a few houses and with accumulated IWK bills up to one year (RM96/year)...then the total amount can be much higher...

How long do your wife got to know application success?

Initial #
15March2014: Applied OCBC World MasterCard at booth in shopping mall for
- 1.2% rebate (backup to Wise and MBB2Plat)
- 2x KLIA premium lounge access (next month go vacation can use)
- free 20" cabin luggage (hopefully next month go vacation can use)
- Freebie: Canvas Tote
- RM50 rebate (to offset GST)

Annual fee, promoter unable to confirm for 2nd year waiver because card is new. Advise to call before card expiry to request waiver, or else opt to cancel the card.

Was told normal approval cycle is 2 weeks. Card will be sent via normal post (not PosLaju) - reason given was that customers need not to be at home to have card delivered, else have to make a separate trip to PosLaju to collect.

Was told luggage will be sent 4-6 weeks (he said so far very "on time" delivery) after qualifying spend (3 swipes within 1st 45 days).

Update #1
March 22: Received Welcome SMS from OCBC. Card and PIN on the way! 1 week approval time.

Update #2
April 11: Received luggage trolley bag. 3 weeks free gift fulfillment time after 3 swipes. Less than 1 month from card application time.

This post has been edited by onlinepaycheck: Apr 15 2014, 11:18 PM

hmm my application for the titanium card got rejected.

any ideas as to why? the annual income requirement is RM24,000

My annual income is > RM30,000

I have 2 credit cards already under Maybank and Citibank but with zero debts.

That's fast

Same thing happened to me a a few years ago (when they first launched Titanium with 5% cash back).
I was holding other credit cards and definitely fulfilled minimum income requirement and has no bad debts.
But got rejected. They couldn't disclose the reason when I called up CS. Gave up on them that time.

Come 2014, I applied for OCBC World Mastercard and got approved without problem.


Based on what I read in forum, you can submit your appeal if you really want the card.

Ah, read one of the pinned topics in this forum and saw this:

"For cardholders earning RM36,000 per annum and less, the following would be applicable:
Cardholders can only hold credit cards from a maximum of two issuers."

Guess that's why.

yep, Bank Negara's credit card guideline

http://www.bnm.gov.my/index.php?ch=8&pg=14&ac=2226

Going to terminate it once I get the trolley bag. 1% is too less

u just gotten ur card? why did u sign up at the first place?

Anybody went for the Zara 50% off promo? T&C stated that the rebate will be given in 2 weeks but I had not received any rebate until today.

Spend RM50, get back trolley bag =p

Ya. For the trolley's sake

Once I get the trolley, and terminate it. I don't have to pay any fee right? Including the gst rm50

did you check the t&c? i can't be sure, but i think it should have a clause whereby you may need to use it for at least 6 months or something like that?

This post has been edited by victorywp: Apr 16 2014, 11:46 AM

RM 1000 spent can only get back RM 10.oh wai.

only get/use this card when you maxed out all your cards' benefits. heck, even AEON Watami give you 3% cashback per quarter and other Watami deals

dont feed OCBC with more unnecessary subscription.

Within 2 weeks normally, cannot recall how many days has taken...

No, about GST charge, you have to pay it first, and they will rebate to you on second or third month if you fulfill their requirement.