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Credit Cards OCBC Titanium MasterCard Cash-Back v4, From 29-Nov, unlimited 1% cashback only

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janson_kaniaz
post Nov 13 2013, 07:25 PM

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QUOTE(lamode @ Nov 13 2013, 04:06 PM)
people, i just spoke with OCBC CS.

the RM50 rebate per month is pro-rated, so it's unlikely to max out with only 5% rebate catergories unless ur statement date is on 29th.

for example, the statement date is 14th (half a mth to 29th), the max rebate can get from 5% is only RM25. For the rest, you need to spend 2.5k to get 1% rebate after that day.
*
stingy to the max. technically the rebate will just be 2-2.5% until 29th if the statement is middle of the month
SUSDavid83
post Nov 13 2013, 07:32 PM

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QUOTE(janson_kaniaz @ Nov 13 2013, 07:25 PM)
stingy to the max. technically the rebate will just be 2-2.5% until 29th if the statement is middle of the month
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Well, it's a Singaporean bank. Not a surprise I guess. whistling.gif
vincentxiang
post Nov 13 2013, 07:57 PM

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QUOTE(hkboey @ Nov 13 2013, 02:36 PM)
+1
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+1
crusher
post Nov 13 2013, 08:19 PM

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now the best card to compete with this card would be Maybank card and HLB Wise card?
edwardccg
post Nov 13 2013, 08:30 PM

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QUOTE(lamode @ Nov 13 2013, 04:06 PM)
people, i just spoke with OCBC CS.

the RM50 rebate per month is pro-rated, so it's unlikely to max out with only 5% rebate catergories unless ur statement date is on 29th.

for example, the statement date is 14th (half a mth to 29th), the max rebate can get from 5% is only RM25. For the rest, you need to spend 2.5k to get 1% rebate after that day.
*
really? different speaking with the CS who tell me last week. she said can get max rm50 if swipe before that.
but thinking of bank side, it could be possible also. like this i dunno how to calculate my available 5% cap for my cycle of 19th - 29th Nov

QUOTE(lamode @ Nov 13 2013, 04:21 PM)
good news is the RM50 usage bonus for 10k spending to offset GST is still there.
*
CS call me today as i emailed them about this matter, she answered the same, annual usage bonus is not revised, only revised on rebate rate.

QUOTE(crusher @ Nov 13 2013, 08:19 PM)
now the best card to compete with this card would be Maybank card and HLB Wise card?
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aeon watami also not bad if you spend 3k-5k in a quater and dun want to care the 10x rm50 on wise

This post has been edited by edwardccg: Nov 13 2013, 08:30 PM
vincentxiang
post Nov 13 2013, 09:02 PM

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I just get titanium card 1 month ago and noobie to their online acc, wanna to check on the OCBC online account user interface. I notice there is 2 messages unread on the right top box but i cant find in where i can open the 2 unread message, does anybody here know it?
SUSDavid83
post Nov 13 2013, 09:10 PM

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QUOTE(vincentxiang @ Nov 13 2013, 09:02 PM)
I just get titanium card 1 month ago and noobie to their online acc, wanna to check on the OCBC online account user interface. I notice there is 2 messages unread on the right top box but i cant find in where i can open the 2 unread message, does anybody here know it?
*
The interface is a little silly. Click on the envelope icon inside the "Secured Message Box" at your upper right hand corner of your Homepage once you keyed in the TAC upon successful login.
HaoYuan
post Nov 13 2013, 09:30 PM

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Hi all,

i just checked from OCBC website that effective 29 November, 5% rebate on petrol, groceries no longer available and all retails purchases are now 1% no matter what purchases.

Correct me if i am wrong
vincentxiang
post Nov 13 2013, 09:51 PM

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QUOTE(David83 @ Nov 13 2013, 09:10 PM)
The interface is a little silly. Click on the envelope icon inside the "Secured Message Box" at your upper right hand corner of your Homepage once you keyed in the TAC upon successful login.
*
Thanks. I managed to see my message as per your instruction. U re right, their interface is truly silly doh.gif sweat.gif
edwardccg
post Nov 13 2013, 09:52 PM

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QUOTE(HaoYuan @ Nov 13 2013, 09:30 PM)
Hi all,

i just checked from OCBC website that effective 29 November, 5% rebate on petrol, groceries no longer available and all retails purchases are now 1% no matter what purchases.

Correct me if i am wrong
*
yes, it is true, 1st post already updated for this info
DarReNz
post Nov 13 2013, 09:55 PM

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hmm like that my bill date 13 nov to 29 nov will be pro-rated as well probably the rebate slightly more than RM 25 then

This post has been edited by DarReNz: Nov 13 2013, 09:56 PM
SUSDavid83
post Nov 13 2013, 09:57 PM

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QUOTE(vincentxiang @ Nov 13 2013, 09:51 PM)
Thanks. I managed to see my message as per your instruction. U re right, their interface is truly silly  doh.gif  sweat.gif
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It's not user friendly and I had to take several rounds of login to familiar with it.
luvox
post Nov 13 2013, 10:43 PM

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After i notice titanium offers no more 5% rebate, i compared with citibank n found out no much differ according to my monthly usage around 1-3k. Titanium is all 2% rebate, plus annual gov tax rebate, citibank 5%petrol, 0.3% others. If u r not heavy card user, think again, without 5% rebate, but with gov tax rebate, it is still so far the best card offer in market smile.gif I may still keep my card. Who can tell me whether citibank can call for rm 50 gov tax waiver??
TSronnie
post Nov 13 2013, 10:44 PM

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QUOTE(lamode @ Nov 13 2013, 04:06 PM)
people, i just spoke with OCBC CS.

the RM50 rebate per month is pro-rated, so it's unlikely to max out with only 5% rebate catergories unless ur statement date is on 29th.

for example, the statement date is 14th (half a mth to 29th), the max rebate can get from 5% is only RM25. For the rest, you need to spend 2.5k to get 1% rebate after that day.
*
This would be VERY BAD.... in that case I'll stop using the card before my statement date..... Time to call in for a new card replacement brows.gif
SUSDavid83
post Nov 13 2013, 10:49 PM

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When we all are whining about this, LYN forum ads banner is advertising on OCBC Al-Amin CC. How irony it is! laugh.gif
lamode
post Nov 13 2013, 10:49 PM

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QUOTE(ronnie @ Nov 13 2013, 10:44 PM)
This would be VERY BAD.... in that case I'll stop using the card before my statement date..... Time to call in for a new card replacement brows.gif
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having said all the things, i will probably keep it for few more mths since GST will be absorbed by bank, no hurt to hope dream they will put something good back to into the deal. tongue.gif
TSronnie
post Nov 13 2013, 10:50 PM

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QUOTE(lamode @ Nov 13 2013, 10:49 PM)
having said all the things, i will probably keep it for few more mths since GST will be absorbed by bank, no hurt to hope dream they will put something good back to into the deal.  tongue.gif
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Same thoughts here.... will keep till Sep 2014
fruitie
post Nov 13 2013, 11:05 PM

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Actually to spend RM 10k for RM 50 GST waiver, I don't know if I still can achieve that next year.

This year I can because 5% rebate is in my mind all the time... laugh.gif

Anyhow, since my GST is already paid by the bank, gonna continue keeping it until next year's May and see how it goes.
guy3288
post Nov 14 2013, 12:44 AM

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QUOTE(lamode @ Nov 13 2013, 04:06 PM)
people, i just spoke with OCBC CS.

the RM50 rebate per month is pro-rated, so it's unlikely to max out with only 5% rebate catergories unless ur statement date is on 29th.

for example, the statement date is 14th (half a mth to 29th), the max rebate can get from 5% is only RM25. For the rest, you need to spend 2.5k to get 1% rebate after that day.
*
THis OCBC is cheating us now like this.

If mentioned all 5% category still can get 5% rebate till 29.11.2013, OCBC should honor that 5% and max RM50 until that date.


So if you spend RM1000 on 5% category on 15.11.2013, you should get that 5% ie RM50 on next statement date ie 14.12.2013.Why become RM25 when it was still 5% until 29.11.2013 and your spend on 15.11.2013 of RM1000 is 30days old ie 1 full month when statement date comes on 14.12.2013.

If not, you better spend only RM500 on 15.11.2013 for the RM25 CB and split your remainder RM500 spend after 29.11.2013 to get the remainder 1% CB ie an additional RM5.00. So funny if i spend RM1000 on only 15.11.2013 , by 14.12.2013 statement i get CB only RM25.

And another who split bills ie spend only RM500 on 15.11.2013 and another RM500 after 29.11.2013 gets CB RM25 + RM5 = total RM30.00. What logic can OCBC explain here? split bill pay later get more CB??









guy3288
post Nov 14 2013, 08:52 AM

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just called the CS named Thiru. He told me it is CB prorated , and i asked him by giving him example. Then he put me on hold, went checking and came back with this:

i told him, my statement date 11.11.2013, if i spend RM1000 for 5% on 28.11.13, would i get CB RM50 in my statement dated 11.12.13?

He said most likely not, becos posted date after 29.11.13 would only get 1%.unlimited 1% for everything icluding govt payment, insurance etc.

He told me to get the 5% i must spend the RM1000 well before the last date of 29.11.13. That means if i spend RM1000 on 15.11.13, sure get posted date before 29.11.13 and this i can get MAX RM50! This is not the same as the info posted above.

And he said in my coming statement dated 11.12.13 i can get total CB more than the max RM50 , as all transactions posted after 29.11.13 is entitled for the unlimited 1% CB.

please you guys go confirm further and quote that Mr Thiru where i called at 8.40Am at 1 300 88 5000




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