yeah, quite troublesome. for those who maintain more than 2 cc (with different cb features) will usually have an excel spreadsheet to keep track their transactions.

ya, i just cancelled OCBC Titanium, next week going to cancel CIMB Petronas Platinum, next month will cancel SCB Worldmile.

Only left MBB 2 cards

HLB Wise is currently giving me 10% cash back, but no points.

Yeah, both of you are right. I think 2 cards is enough for me, the different of having HLB Wise + OCBC + MBB Amex vs HLB Wise + OCBC is only RM30/month more cashback I guess. Not worth for the hassle.

OCBC CC new annual income requirement:
1) Gold Visa: RM24,000
2) Titanium/ Platinum/ Great Eastern Platinum MasterCard: RM60,000
3) World MasterCard: RM100,000

Those who approved when 24k requirements could show off already

People would go for HLB essential if they want unlimited 1%

Just got a call from their sales stuff... they offering 3% pa loan for 1 year to be paid by through installment

well u can set the transaction sms limit to RM1 for each card and add up as well

But sometimes no sms alert then u lost track.

ya, when autobilling

anyone still using OCBC WMC? eversince i got it i have not utilise much. feel like canceling it already (lazy to wait til 1 yr). anyone pls tell me the benefit of this card

benefit? 1% cash back on every transaction with no maximum cap.

errr OK. so that's the only benefit right? too bad i'm not buying a car or house anytime soon.

Wut...titanium need annual income 60k?

Canceling Titanium next month. Not using it for months

Why still want to swipe (give business) on OCBC's Titanium since their cashback reduction from 5% down to only 1% rebate? Even the 1% is unlimited, but it's still low at 1% only compared with its previously higher 5% rebate!

Even with the previously amended minimum income requirement down to 24K from 36K initially, it is definitely not a worth credit card to swipe to give business for OCBC since they're so stingy and calculative by reducing the cashback down to 1% only! What even more to say now as they're so super-stupidly increased the minimum income requirement to 60K per annum? Maybe their marketing department were filled with all dumb and backward-thinking human being?

With its minimum income requirement getting ups and downs like share prices, how could-able this card labelled as higher class type, when it easily can be applied with 24K per annum previously? Same scenario to OCBC WMC(with RM388 un-waiveable annual fee) that had changed its minimum income requirement to 100K from 60K previously, as the ups and downs like share prices here showed they even don't know where's the exact class that they're deserved to stand properly!

Therefore, OCBC cards definitely a Big-No-Favorite credit card to hold nowadays.

Not really. For now, I use WISE(10%), MMB dual cards(5%) which I'm having hard time to hit rm1000 without helping others.
But if your total monthly spending are > rm2000, OCBC are not bad.

Hi all experts in credit card, need you all advice... I got WISE + OCBC currently.

WISE
- petrol + groceries + mobile. Can swipe more than 10x RM50 easily every month.
- Average RM750 for these 3 categories monthly.
- Average cash back RM75 per month.

OCBC
- TNB RM120 monthly
- SYABAS RM60 monthly
- TMNET RM60 monthly
- ASTRO RM80 monthly
- Insurance (personal + family) RM620 monthly
- Others expenses which not fall in WISE categories = average RM100 monthly
- Cukai pintu RM300 half yearly.
- Average cash back RM11 monthly

Total cash rebate = RM86 monthly.

Any suggestion to have better cash back? Any better credit card suit my spending pattern?

Thank you.

For my spenditure pattern, I still need to keep the OCBC.... 1% is still better than nothing.

Seems like what you spend using OCBC is around 1k per month, which you can consider watami cc, 3% for min RM3k spending per quarter.

very rare will get no sms alert