besides the benefits/discount on watami deals, this card also offers 3% cash rebate for non-watami transactions (except for petrol).

for alliance you:nique, it has tiers as below:

expenses range	rebate rates
rm0 – rm1,000	0.50%
rm1,001 – rm2,000	1.50%
rm2,001 – rm3,000	3.00%
>rm3,000	0.30%

which means, if you spent rm5,000 using alliance you:nique, you will only get the cash rebate of:
0.50% for the first rm1,000 = rm5
1.50% for the second rm1,000 = rm15
3.00% for the third rm1,000 = rm30
0.30% for the fourth and fifth rm1,000 = rm6.00
total = rm5+rm15+rm30+rm6.00 = rm56.00

but if you spent rm5,000 using aeon watami, you will get the cash rebate of:
rm5,000 x 3% = rm150

conclusion: the total cash rebate you earned using aeon watami is close to triple of the cash rebate you earned using alliance you:nique.

This post has been edited by victorywp: Dec 7 2013, 10:36 AM

yes, the 1% cash back is for anything including insurance.
the better card would be mbb2cards amex but only for certain insurance company.

yes, you are right:
1) mbb2cards amex 5% but only during weekends
2) aeon watami 3% but minimum rm3k transactions in a quarter
3) alliance you:nique 3% but with tiers
4) hlb wise 10% but on selected categories with min swipes/month

yes, same like alliance you:nique with tiers.
at the moment, i think all alliance cash back cc comes with tiers.

i think you have to update your thread with you:nique cc?

This post has been edited by victorywp: Dec 9 2013, 03:51 PM

with you:nique, if you spend between rm2-3k doesn't mean that you get the rebate as per rm2-3k x 3%.
you get only 0.5% for the first rm1k, 1.5% for the second rm1k, and 3% for the third rm1k.
means if you spend rm3k, you only get a rebate of rm50 (rm1k x 0.5% + rm1k x 1.5% + rm1k x 3%) instead of rm90 (rm3k x 3%).

expenses range	rebate rates
rm0 – rm1,000	0.50%
rm1,001 – rm2,000	1.50%
rm2,001 – rm3,000	3.00%
>rm3,000	0.30%

This post has been edited by victorywp: Dec 9 2013, 03:53 PM

you just applied uob and you said byebye to ocbc?
later uob not approve and you come say hello to ocbc again?

due december means already charged or not? if already charged, please call ocbc cs and ask them to absorb it (if you have already spent rm10k or more with the card). if you were successfully offsetting the rm50 gst, then let us know... then many will do the same too.

This post has been edited by victorywp: Dec 13 2013, 10:13 AM

50% off dynasty xiao long bao with min spend of rm30 @ paradise dynasty in bangsar village II & paradigm mall from 15/12/13-15/01/14.

and i just went to that dynasty xiao long bao recently at paradigm mall... before i received this sms!

i think he meant gst instead of annual fee.

rm33k a year still not good enough for them to retain you?
when you walked-in ocbc and asked, did they check their system and see your transaction history first before answering you?

if you did not inform streamyx and celcom, they will continue to charge an invalid card (your cancelled card). but after a few attempts, they (streamyx/celcom) will send you a letter that they were unable to charge to your card and ask you to clarify with your bank.

This post has been edited by victorywp: Dec 17 2013, 12:20 PM

you are right, i threw away that letter right away without reading it.
because i already read from here before i received it.

you should have came here earlier to get the first hand news about it.

combo mbb2cards amex (5% weekends; rm50 rebate monthly capped) with aeon watami (3% everyday; rm150 rebate quarterly capped) would be good.

yeah, who knows the first 10 transactions already max out their available capacity.

thanks for the heads up! now that's something more clear!

+1 LOL