You need to notify the service provider first. Otherwise they'll in dark.

I was considering HL Essential on its 1% unlimited CB to cover some unexpected big bill (e.g. car repair, medical bill, furniture, laptop, etc) that can't use M2 Amex. But the rewards after AF+GST is not very encouraging.
Maybe for now I will downgrade OCBC TMC for this purpose. Sad...
But ocbc just didn't confirm if it is cap at RM50 per month or unlimited.

This post has been edited by tbheng: Nov 8 2013, 09:03 AM

go to TNB and TM first. Else you'll keep receiving msg saying that your auto debit has failed. Happened to me when I switch from gold to platinum for Maybank without cancelling the auto-debit under the Gold.

Yeah, for me need to look for alternative to pay for Municipal charges, IndahWater, SAJ, Cukai Tanah, Groceries, Chinese Medicine/Saundry Shop which qualifies for 5% rebate using OCBC Ti.

They have not updated the main website yet. So still unsure whether they are retaining the annual bonus feature.

mine still can wait till July next year, then only see if this card need to be cancel

look like i have no more choice but apply for maybank or citibank cash back card

It say no more Free for Life. Does that mean annual fee waiver with 12 swipe a year is no more too? this card become sux already. But i see they still haven't update the info on their website. Where did you guys get the pdf from?

Already confirm no more 5%?

OCBC Malaysia > Cards > Important Info

http://www.ocbc.com.my/personal-banking/Ca...cards_more_info

first link is the pdf about the revise of feature


btw, they said all features and benefits will be REMOVED, and replace by following feature
and the feature mention only that 1%.
for the annual usage bonus which suppose is a feature so thats means no more annual usage bonus to offset GST?

This post has been edited by edwardccg: Nov 8 2013, 12:22 PM

oh crap need to cancel this card and move the auto debit to maybank card

Agree, the way it is explained in the PDF Doc is very confusing. When u say something is going to be discountinued and replaced with another feature, it should be clearely stated what is going to be discontinued and what are the new features.

http://www.ocbc.com.my/personal-banking/Ca...cards_more_info

Looking at this, does this mean that the "Annual Fee Free for Life" is going to be replaced or "the 1% Rebate on Retail Spending" or both. And replaced with what?

Anyone else have a different interpretation.

my understanding is:
1) the card is annual fee free (no change)
2) no more 5% category, all spending is 1% without capping.

This post has been edited by yong417: Nov 8 2013, 01:22 PM

That's a good way of looking at it. the 5% was very good for me, paid all my utility bills and restaurant. With no capping, still makes sense to me. For Hypermarket, I can still use my UOB Card

for those who plan to milk this card until the last minute, u can pay your bill in advance to take advantage of the 5% although u havent got your bill yet, just to max the RM50 for one last time...

What is the next best alternative cash back card beside M2 Amex?
No point to keep this card anymore.

For dining I have replace this card with MACH card long time ago with 5% cashback n 10% cashback for movies. Some say WISE card is not a bad choice but its not suitable for me because I cannot fulfill its requirements.

MACH dining, does those clubs like MOVIDA, BEER Factory falls under dining ?

This is ugly. In an indirect way, OCBC seems like is helping its foes (Maybank, UOB, Citi) to gain more customers.. I guess they couldn't sustain this continuous pouring of RM50 per card per month