i think should be within 14 days

Yeah, no penalty if cancel within cooling period.
At first I was worried the refund incur complex and long process and missed my ocbc tmc due date, but end up was way early and I got just over 1 month of free credit period and enjoy free 1 month eFD. Unexpected gain.

so, do it once a while and get additional small income from it.

12k to earn 120 in less than a month ... haha... better than nothing lah..

The best part is I do not need to fork out the 12k to get the 120 CB.
Instead I get to earn 1 month FD interest before the cc due date.
And I BT out @ 0% interest later on...
Free CB, free FD interest and free reward points at 0 cost (free credit)...

This post has been edited by tbheng: May 3 2014, 11:46 PM

Mind to share which eFD u subscribed?

I mostly use MBB eFD as my fund is in MBB.

Yeah, I was thinking doing that with MBB eFD, but I forgotten 'bout it after changing my bill date from 21st to 8th, effectively didnt pay last month's cc outstanding.

Sorrry for offtopic, how much is the interest for eFD?

Normal FD board rate

Tenure	Rate (% p.a.)
1 month	3
2 months	3
3 months	3.05
4 months	3.05
5 months	3.05
6 months	3.1
7 months	3.1
8 months	3.1
9 months	3.1
10 months	3.1
11 months	3.1
12 months	3.15
13 - 24 months	3.15
36 months	3.3
48 months	3.4
60 months	3.5

what is the min income to apply ocbc titanium?

60k p.a

just curious, anyone here still receive notification from oracle even after cancelling the card?

60k P.A. for titanium card but there may be new card coming out during mid of may, do keep an eye on the credit cards offered by OCBC from time to time now.

interesting. reveal some bits on the new card

wow, since when OCBC revised the income limits.

Remember, last year, the Titanium, just RM24K was enough and WMC was RM60K only.

Now increased to RM60K for Titanium and RM100K for WMC.

Yeah it was 24k P.A. up till 24th April 2014. OCBC had to revise the min annual income due to regulation from BNM, heard a few foreign banks are going to revise their min income required too in the near future.

In regards to the new card of OCBC, couldn't reveal much as i dont have first hand information . But from reliable sources it's coming very soon. within a week or two.

They lost a lot of customers, now they realised they made a mistake, so bringing back attractive feature like titanium ?

I wonder whether the new card will be for point reward system as their current line up are filled with cash backs. Can they do better with more than 5x points?