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

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TSronnie
post Oct 23 2013, 07:33 AM, updated 12y ago

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OCBC Titanium MasterCard Cash-Back rebates : V1 | V1 | V3 | V4

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About OCBC Titanium MasterCard : Click Here
Terms & Conditions for OCBC Titanium MasterCard | PDF
OCBC Customer Service Hotline : 1 300 88 5000
Email : cap@ocbc.com

OCBC Request Form to change the SMS Transaction Alert Limit
http://www.ocbccards.com.my/pdf/sms_alert.pdf

Sample of Appeal Letter for Application Rejection - courtesy from tifosi
» Click to show Spoiler - click again to hide... «


OCBC Online Banking Bill Payee Listing
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RED ALERT
Latest Announcement on Rebate (.pdf)

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5% Cash-back rebate & 1% Cash rebate - Terms & Conditions (ends 28 Nov 2013)
http://ocbccards.com.my/tnc/tnctitanium.aspx

* The RM50 monthly maximum cash-back rebate cap is based on accumulation of spends within your billing cycle. Not calendar month basis.
* The cash-back rebate will be given for all transactions (swipe/online) locally & international, subject to under the correct MCC
* Reference table for MCC : http://www.dm.usda.gov/procurement/card/card_x/mcc.pdf
* Description of the MCC code accepted for 5% Cash-Back Rebate
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Places with confirmed 5%
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Places we thought is 1% but received 5% rclxms.gif
Celebrity Fitness Monthly Fees [MCC: 7997]
eTiQa Takaful Mesra plan Auto Debit [MCC: 5968]
Elken Service Sdn Bhd - to Service my water filter. [MCC code: 5968]
ExaBytes payment via iPay88 [MCC: 4816]
Nirvana Memorial payment [MCC: 5968]
LivingSocial Coupon Deal (Food Related)
- KOREA PALACE (Krystal Point, Penang)
- WEISSBRÄU GERMAN BISTRO & BAR(PENANG)
- DELICIOUS (Straits Quay,Penang)
- J.C O DONUTS & COFFEE (In statement written IPAY 88 KUALA LUMPUR)
GSC Online Movie Booking via PayPal [MCC: 4814]
TGV Online Movie Booking via PayPal


Places we thought is 5% but only received 1% vmad.gif
AEON BIG - USJ19 Digital Mall [MCC: 5311]
AEON Supermarket - 1 Utama / Midvalley [pending confirmation by forummers]
Astaka Shopping Centre - Muar, Johor
Cosway - Giant Bandar Kinrara [MCC: 5963]
DBKL - Bandar Tun Razak
Fah Lian - Taman OUG
Garrett Popcorn - KLCC
Giant - Atria Mall
Geographer Pub & Restaurant - IOI Boulevard
Haagen-Dazs [MCC: 5499]
House + Co (restaurant) - Bangsar Shopping Centre
Isetan (Supermarket) - Lot 10
Isetan's EAT Paradise - 1 Utama
Jusco Kepong (Dept. Store NOT Supermarket)
Jusco Sunway Pyramid (Dept store)
Jusco Tmn Maluri (Dept Store)
Krispy Kreme - Midvalley Megamall
Maxis Centre - The Gardens [MCC: 4812]
Megaherbs Supermarket - Taman Megah
MPSJ Counter - Bandar Puteri, Puchong [MCC: 9399]
My@MPSJ Online Portal
MYEG Website Summon Payment
MPSP - Butterworth, Pulau Pinang [MCC: 9399]
Nadeje Cake House - Melaka Raya [MCC: 5462]
P1 4G - P1 P@ddock - Jalan Templer
PappaRich - The Gardens
Pejabat Tanah Wilayah via http://www.ptgwp.gov.my
Purple Cane Tea Restaurant - The Gardens
Sogo's Supermarket
Taang Shifu Restaurant - Station 18(AEON Mall), Ipoh [MCC: 5499]
Telekom Malaysia - fixed line, by calling up the call center
Tong Pak Fu - IOI Boulevard [MCC: 5499]
UMobile broadband swiped at CS centre
Xuan Xin Restaurant - Queensbay Mall
Zun Express Eu Yan Sang Restaurant - The Gardens

Post the Merchant Name and Location in this topic, for me to update this list....

To show-off, please report your Cash-back over at http://forum.lowyat.net/topic/2057567

This post has been edited by ronnie: Dec 11 2013, 09:37 AM
TSronnie
post Oct 23 2013, 07:34 AM

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OCBC Card Promotions - Full Listing


===========================================================================================
Past Promotions
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This post has been edited by ronnie: Oct 23 2013, 07:34 AM
DM3
post Oct 23 2013, 08:14 AM

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I guess this would be the last version of this great card eh?
TSronnie
post Oct 23 2013, 08:16 AM

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QUOTE(DM3 @ Oct 23 2013, 08:14 AM)
I guess this would be the last version of this great card eh?
*
Possibly YES.... But I find it strange they into new card design months back, and now remove from OCBC website.
I just hope for even better card from OCBC.
DM3
post Oct 23 2013, 08:25 AM

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Yeah it's a real waste if they stop this all rounder cash rebate card
Xiao Pei
post Oct 23 2013, 08:31 AM

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omg, i just get my card last week..please remained the benefits
edwardccg
post Oct 23 2013, 09:00 AM

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new thread report in.
since they stop accept new applicant, maybe will replace by another product?
if that so hope the new one would have extra benefits
lets see how will it be

This post has been edited by edwardccg: Oct 23 2013, 09:01 AM
TSronnie
post Oct 23 2013, 09:08 AM

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WishList for NEW OCBC Titanium
- 10% Cashback for Dining
- 10% Cashback for Utility
- 10% Cashback for Grocery
- 10% Cashback for Online Transactions
- 10% Cashback for Overseas Transactions
- No monthly cap for Cashback
chng5255
post Oct 23 2013, 09:10 AM

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So ocbc and stanchard take turns to withdraw their titanium cards LOL
chng5255
post Oct 23 2013, 09:14 AM

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QUOTE(ronnie @ Oct 23 2013, 09:08 AM)
WishList for NEW OCBC Titanium
- 10% Cashback for Dining
- 10% Cashback for Utility
- 10% Cashback for Grocery
- 10% Cashback for Online Transactions
- 10% Cashback for Overseas Transactions
- No monthly cap for Cashback
*
LOL, in dreamland. In reality, 10% cashback is reasonable but bank still play smart, either cap you or tier based.
edwardccg
post Oct 23 2013, 09:14 AM

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QUOTE(ronnie @ Oct 23 2013, 09:08 AM)
WishList for NEW OCBC Titanium
- 10% Cashback for Dining
- 10% Cashback for Utility
- 10% Cashback for Grocery
- 10% Cashback for Online Transactions
- 10% Cashback for Overseas Transactions
- No monthly cap for Cashback
*
is too good to be true

if that so why not unlimited 10% cash back on any retail (include petrol,gov, ... etc) biggrin.gif


if they keep current 5% and give more on monthly cap (RM100) would be good enough rclxms.gif

This post has been edited by edwardccg: Oct 23 2013, 09:16 AM
Human Nature
post Oct 23 2013, 10:52 AM

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If they remove the 5%, I do hope they will at least sweeten the deals..maybe 2% rebate for all transactions...hehe good for my monthly insurance autodebit.
keoshi
post Oct 23 2013, 12:35 PM

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where is your office??
Duckies
post Oct 23 2013, 01:49 PM

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QUOTE(keoshi @ Oct 23 2013, 12:35 PM)
where is your office??
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Penang Suntech Building laugh.gif
hye
post Oct 23 2013, 02:00 PM

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New thread and probably a few members are unaware of the rules here.
No profanities allowed in any section of the Credit Card and Finance in whatsoever form!

The last few post caught some members trying to be smart and I hope this will be the last of it.
SUSPink Spider
post Oct 23 2013, 02:05 PM

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QUOTE(ronnie @ Oct 23 2013, 08:16 AM)
Possibly YES.... But I find it strange they into new card design months back, and now remove from OCBC website.
I just hope for even better card from OCBC.
*
What what what? OCBC gonna discontinue this card? shocking.gif

NOOOO cry.gif
peri peri
post Oct 23 2013, 03:04 PM

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wow, V4, congrats.

"its a compliment"
victorywp
post Oct 23 2013, 03:56 PM

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smells like some bad news here...
virgoguy
post Oct 23 2013, 04:09 PM

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QUOTE(Pink Spider @ Oct 23 2013, 02:05 PM)
What what what? OCBC gonna discontinue this card? shocking.gif

NOOOO cry.gif
*
I think because too many smart titanium user here till they don't make much profit? lol
shortleg88
post Oct 23 2013, 04:17 PM

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Would like to ask anyone here that manage to get their Curve rebate for transaction done on 17th Aug or after?

Previously I did transaction on 20 plus also still manage to receive the rebate but not this time.
zaFrOoNaLdO
post Oct 23 2013, 04:19 PM

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QUOTE(virgoguy @ Oct 23 2013, 04:09 PM)
I think because too many smart titanium user here till they don't make much profit? lol
*
more users=more fee they get from us swiping at the merchants. so dont think thats the reason.. haha
kennytee
post Oct 23 2013, 04:24 PM

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what i have been told by the OCBC, the card will be discontinue last week friday. However, I did managed to submit my application last wednesday.

Usually how long they will approve your application? How they let you know that your application status?
sj0217
post Oct 23 2013, 04:57 PM

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Hope there will be a better offered by OCBC bank or remaining the same benefits as for those who holding Tit.

Otherwise, there will be many termination after this.

We could be know the result after this Friday, right?
victorywp
post Oct 23 2013, 05:07 PM

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QUOTE(sj0217 @ Oct 23 2013, 04:57 PM)
Hope there will be a better offered by OCBC bank or remaining the same benefits as for those who holding Tit.

Otherwise, there will be many termination after this.

We could be know the result after this Friday, right?
*
hopefully...
at first, standard chartered ended all their cash rebates & other benefits, then uob changed their terms & conditions on annual fee, now ocbc titanium... mad.gif
so only left maybank 2 cards...???

This post has been edited by victorywp: Oct 23 2013, 05:50 PM
spikey2506
post Oct 23 2013, 06:43 PM

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I have one year to observe what OCBC will be doing to Titanium holders since I just got my GST waiver. If the worst comes then bye bye OCBC Ti.

This post has been edited by spikey2506: Oct 23 2013, 06:44 PM
cfa28
post Oct 23 2013, 06:49 PM

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OCBC Titanium CC has been removed from OCBC Websire already.

Looks like its Good Bye to OCBC. It was a good CC, 5% rebate on Petrol, Restaurant, Telco.

http://ocbc.com.my/personal-banking/Cards/index.html


Perhaps someone can call OCBC and ask how much longer the Titanium Card features will be maintained

Updated - at 7.00 pm

Okay - I just called up OCBC to threaten to cancel my Titanium Card if the Card / Benefits are discontinued and I was told that OCBC is doing a special launch of theie Platinum Card which offers unlimited 0.50% rebate on all retail spending. Hence, for those who spend a lot, its better than the Titanium.

The Titanium Card will still continue as per normal and will be re-sold after the special promotion for the Platinum ends in end-Nov 2013

Have stressed to the CS to inform OCBC Management that there will be MANY cancellations if the Titanium Benefits are reduced.

Sekian Terima Kasih

This post has been edited by cfa28: Oct 23 2013, 07:06 PM
labtec
post Oct 23 2013, 06:51 PM

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any recommendation for card replacement? is Citibank platinum cash back second best card?
SUSDavid83
post Oct 23 2013, 07:03 PM

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QUOTE(cfa28 @ Oct 23 2013, 06:49 PM)
OCBC Titanium CC has been removed from OCBC Websire already.

Looks like its Good Bye to OCBC. It was a good CC, 5% rebate on Petrol, Restaurant, Telco.

http://ocbc.com.my/personal-banking/Cards/index.html
Perhaps someone can call OCBC and ask how much longer the Titanium Card features will be maintained

Updated - at 7.00 pm

Okay - I just called up OCBC to threaten to cancel my Titanium Card if the Card / Benefits are discontinued and I was told that OCBC is doing a special launch of theie Platinum Card which offers unlimited 0.50% rebate on all retail spending. Hence, for those who spend a lot, its better than the Titanium.

The Titanium Card will still continue as per normal and will be re-sold after the special promotion for the Platinum ends in end-Nov 2013

Have stressed to the CS to inform OCBC Management that there will be MANY cancellations if the Titanium Benefits are reduced.

Sekian Terima Kasih
*
Well, Citibank Cashback Platinum offers a slightly lower rebate on other retail spending at 0.3%
cfa28
post Oct 23 2013, 07:05 PM

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QUOTE(David83 @ Oct 23 2013, 07:03 PM)
Well, Citibank Cashback Platinum offers a slightly lower rebate on other retail spending at 0.3%
*
But citibank has 1-big T&C is that your rebates must accumulate until it reaches RM50 before it will be allowed to offset against your monthly bill payable.

Hence, I will not be using my Citibank Cashback Card as I want my rebates IMMEDIATELY.
spikey2506
post Oct 23 2013, 07:06 PM

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QUOTE(cfa28 @ Oct 23 2013, 06:49 PM)
OCBC Titanium CC has been removed from OCBC Websire already.

Looks like its Good Bye to OCBC. It was a good CC, 5% rebate on Petrol, Restaurant, Telco.

http://ocbc.com.my/personal-banking/Cards/index.html
Perhaps someone can call OCBC and ask how much longer the Titanium Card features will be maintained

Updated - at 7.00 pm

Okay - I just called up OCBC to threaten to cancel my Titanium Card if the Card / Benefits are discontinued and I was told that OCBC is doing a special launch of theie Platinum Card which offers unlimited 0.50% rebate on all retail spending. Hence, for those who spend a lot, its better than the Titanium.

The Titanium Card will still continue as per normal and will be re-sold after the special promotion for the Platinum ends in end-Nov 2013

Have stressed to the CS to inform OCBC Management that there will be MANY cancellations if the Titanium Benefits are reduced.

Sekian Terima Kasih
*
The CIMB Petronas Gold and Plat also gives 0.5% unlimited rebates on anything. With free annual fee without any restrictions.
SUSDavid83
post Oct 23 2013, 07:11 PM

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QUOTE(cfa28 @ Oct 23 2013, 07:05 PM)
But citibank has 1-big T&C is that your rebates must accumulate until it reaches RM50 before it will be allowed to offset against your monthly bill payable.

Hence, I will not be using my Citibank Cashback Card as I want my rebates IMMEDIATELY.
*
But if you combine with other category of 5% on petrol and 2% of groceries + pharmacy+ bill (using Citibank Online) and you're a big spender, reaching RM 50 per month is still possible.
spikey2506
post Oct 23 2013, 07:32 PM

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But then if it's true than it is very very strange on OCBC's part. This is the first time that I hear a bank totally stopping the issuance of a particular card to focus on another card
SUSDavid83
post Oct 23 2013, 07:35 PM

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How about OCBC Singapore?
Gen-X
post Oct 23 2013, 08:24 PM

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QUOTE(kennytee @ Oct 23 2013, 04:24 PM)
what i have been told by the OCBC, the card will be discontinue last week friday. However, I did managed to submit my application last wednesday.

*
QUOTE(cfa28 @ Oct 23 2013, 06:49 PM)
OCBC Titanium CC has been removed from OCBC Websire already.

*
It is not uncommon for card issues to revamp or remove their card(s) from the market. Foreign Banks like Citibank, HBBC and UOB revise their cards' benefits periodically and without notice. Even MBB revised the TP for government/education transactions to 2X.

The OCBC Titanium has been in existence for more than 5 years and was revamped about 3 years ago to make it a pure cash back card offering True 5% cash back. And if not mistaken, the first ever credit card to offer 5% cash back for petrol as a standard card feature.

Prior to OCBC Titanium, StanChart also had a Titanium credit card offering very good cash back on Fridays. I have awarded this said card the titled The Most Exclusive Card in Malaysia in my article Premier Credit Cards - Exclusive and Privilege Cards. The main feature of this card is that it earns the cardholder cash back up to maximum RM600/year for transaction(s) on Fridays. Now, take note, I said per year not per month, you can actually do a single transaction for RM12,000 on a Friday and you will earn cash back of RM600; but after that you can keep the card in the drawer until the card's anniversary again, haha.

And now, we lucky OCBC cardholders can brag that we also have a super duper exclusive credit card where even the super rich can't have it laugh.gif

It is no surprise that OCBC may have decided to discontinue the OCBC TMC because I bet their card department did not expect us to stop using the card once we hit the RM50 cash back cap. And I bet we LYN credit card enthusiasts have benefited thousands of Malaysians by sharing and stressing how to maximize the returns we get from CC by having both OCBC TMC and MBB 2 AMEX. And with OCBC handing out FREE cash up to RM650 to each individual OCBC TMC cardholder, I bet they are losing millions yearly.

This post has been edited by Gen-X: Oct 23 2013, 08:52 PM
MilesAndMore
post Oct 23 2013, 10:03 PM

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QUOTE(Gen-X @ Oct 23 2013, 08:24 PM)
It is not uncommon for card issues to revamp or remove their card(s) from the market. Foreign Banks like Citibank, HBBC and UOB revise their cards' benefits periodically and without notice. Even MBB revised the TP for government/education transactions to 2X.
*
True! Have you guys forgotten about Standard Chartered Titanium MasterCard ? That was such a short-lived card! It was in the market for less than one year or so. It was the IT card back in 2009. Standard Chartered was generous enough not to alter the benefits of the Standard Chartered Titanium MasterCard until last year.


QUOTE(Gen-X @ Oct 23 2013, 08:24 PM)
The OCBC Titanium has been in existence for more than 5 years and was revamped about 3 years ago to make it a pure cash back card offering True 5% cash back. And if not mistaken, the first ever credit card to offer 5% cash back for petrol as a standard card feature.
*
I think Citibank is the first to offer this 5% petrol cash back as a permanent feature of its credit card. But then i'm not very sure either as it's been a few years already sweat.gif


QUOTE(Gen-X @ Oct 23 2013, 08:24 PM)
Prior to OCBC Titanium, StanChart also had a Titanium credit card offering very good cash back on Fridays.
*
Yeah! And i didn't even have the chance to apply for this card. Tidak cukup umur then i think... sweat.gif


QUOTE(Gen-X @ Oct 23 2013, 08:24 PM)
And now, we lucky OCBC cardholders can brag that we also have a super duper exclusive credit card where even the super rich can't have it  laugh.gif
*
Agreed! biggrin.gif It's ok if they stop selling this credit card. I just hope they won't change the features and benefits of this card anytime soon.


QUOTE(Gen-X @ Oct 23 2013, 08:24 PM)
It is no surprise that OCBC may have decided to discontinue the OCBC TMC because I bet their card department did not expect us to stop using the card once we hit the RM50 cash back cap. And I bet we LYN credit card enthusiasts have benefited thousands of Malaysians by sharing and stressing how to maximize the returns we get from CC by having both OCBC TMC and MBB 2 AMEX. And with OCBC handing out FREE cash up to RM650 to each individual OCBC TMC cardholder, I bet they are losing millions yearly.
*
Very true! OCBC simply is too generous with this credit card already. The 5% cash back feature is already very good and couple with this RM50 usage bonus for annual spending not less than RM10k, i'll be very very surprised if they are making lots of money with this card. OCBC should be very thankful already if the commission earned from its Titanium MasterCard cardholders is enough to breakeven!
TSronnie
post Oct 23 2013, 10:17 PM

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Since OCBC Titanium MasterCard started with 5% Cashback back in Sep-2010, I've collected about RM2.1k of cash back (monthly and promotion) from OCBC Titanium MasterCard
rclxm9.gif rclxm9.gif

I do hope they maintain the existing benefit... else ADIOS !!!
Human Nature
post Oct 23 2013, 10:19 PM

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About RM1200 for me since April 2011 biggrin.gif
heliora10
post Oct 23 2013, 11:40 PM

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QUOTE(spikey2506 @ Oct 23 2013, 07:06 PM)
The CIMB Petronas Gold and Plat also gives 0.5% unlimited rebates on anything. With free annual fee without any restrictions.
*
IINM Hong Leong Essential credit card offers 1% unlimited cash back which i think is the best for big spenders who don't want any hassle and just a straightforward simple card.

QUOTE(Gen-X @ Oct 23 2013, 08:24 PM)
It is no surprise that OCBC may have decided to discontinue the OCBC TMC because I bet their card department did not expect us to stop using the card once we hit the RM50 cash back cap. And I bet we LYN credit card enthusiasts have benefited thousands of Malaysians by sharing and stressing how to maximize the returns we get from CC by having both OCBC TMC and MBB 2 AMEX. And with OCBC handing out FREE cash up to RM650 to each individual OCBC TMC cardholder, I bet they are losing millions yearly.
*
QUOTE(MilesAndMore @ Oct 23 2013, 10:03 PM)
Very true! OCBC simply is too generous with this credit card already. The 5% cash back feature is already very good and couple with this RM50 usage bonus for annual spending not less than RM10k, i'll be very very surprised if they are making lots of money with this card. OCBC should be very thankful already if the commission earned from its Titanium MasterCard cardholders is enough to breakeven!
*
actually i really wonder the economics of offering 5% cash back, i would imagine credit card issuers can earn at most maybe 1.5-2%, how are they supposed to make money from 5% cash back? even if you cap it at RM50, with any savvy consumer they'd just switch to the next credit card, so they'd never really earn anything. the same for MBB2 Amex, 5% + 5× treatspoints doesn't make sense to me. not that i'd complain lol.
MilesAndMore
post Oct 23 2013, 11:46 PM

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QUOTE(heliora10 @ Oct 23 2013, 11:40 PM)
the same for MBB2 Amex, 5% + 5× treatspoints doesn't make sense to me. not that i'd complain lol.
*
Maybank should still be easily breakeven or even make a lot of money from the commission and AMEX charges higher commission compared to VISA/MasterCard.
soonyong80
post Oct 24 2013, 02:36 AM

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try uob one platinum
edwardccg
post Oct 24 2013, 08:55 AM

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QUOTE(cfa28 @ Oct 23 2013, 06:49 PM)

The Titanium Card will still continue as per normal and will be re-sold after the special promotion for the Platinum ends in end-Nov 2013


*
your 'continue' means is the continue of accepting new sign up for titanium?


This post has been edited by edwardccg: Oct 24 2013, 09:07 AM
cfa28
post Oct 24 2013, 09:27 AM

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QUOTE(edwardccg @ Oct 24 2013, 08:55 AM)
your 'continue' means is the continue of accepting new sign up for titanium?
*
Continue means all benefits / rebates as per normal (until further notice) but no new cards to be accepted.

Guys, please call the OCBC Call Centre and speak to the CS and threaten to cancel your CC if the current benefits are reduced.

Do it, send OCBC the message, all their calls are recorded and monitored and reports on types of calls have to be made.
victorywp
post Oct 24 2013, 09:58 AM

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QUOTE(soonyong80 @ Oct 24 2013, 02:36 AM)
try uob one platinum
*
even uob one platinum is changing their requirement now... need to spend 36k or 60k annually (depending on your card type) in order to waive the annual fee (not gov tax). vmad.gif
edwardccg
post Oct 24 2013, 10:59 AM

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QUOTE(cfa28 @ Oct 23 2013, 06:49 PM)
The Titanium Card will still continue as per normal and will be re-sold after the special promotion for the Platinum ends in end-Nov 2013


*
QUOTE(cfa28 @ Oct 24 2013, 09:27 AM)
Continue means all benefits / rebates as per normal (until further notice) but no new cards to be accepted.
Based on above statement. Does it mean that from now until end of Nov 2013 our current titanium have no benefits/ rebate?

if that so means our current statement is not getting any rebate? bank would not inform us if they will temporary remove the benefits? i am confused shakehead.gif

QUOTE(victorywp @ Oct 24 2013, 09:58 AM)
even uob one platinum is changing their requirement now... need to spend 36k or 60k annually (depending on your card type) in order to waive the annual fee (not gov tax).  vmad.gif
*
i am not qualify for the platinium, but even their classic one card also need swipe 60 times to waive, 5 times a month is too much

This post has been edited by edwardccg: Oct 24 2013, 11:01 AM
jjchew88
post Oct 24 2013, 11:16 AM

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QUOTE(edwardccg @ Oct 24 2013, 10:59 AM)
Based on above statement. Does it mean that from now until end of Nov 2013 our current titanium have no benefits/ rebate?

if that so means our current statement is not getting any rebate? bank would not inform us if they will temporary remove the benefits? i am confused  shakehead.gif
i am not qualify for the platinium, but even their classic one card also need swipe 60 times to waive, 5 times a month is too much
*
pump rm10 petrol each swipe, when ur tank is full, more than 5 times icon_idea.gif
victorywp
post Oct 24 2013, 11:19 AM

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QUOTE(edwardccg @ Oct 24 2013, 10:59 AM)
i am not qualify for the platinium, but even their classic one card also need swipe 60 times to waive, 5 times a month is too much
*
yes, but 5 times a month can be easily achieved if you go to buy something around rm10 per time at tesco/giant/other hypermarket for 5 times a month. laugh.gif
if you don't mind the cashier will look at you one kind, you can try rm5 per time too! whistling.gif

but for the platinum, spending 36k or 60k per month means we are spending all that we earn annually. that's CRAZY!!! vmad.gif

This post has been edited by victorywp: Oct 24 2013, 11:21 AM
mgb
post Oct 24 2013, 11:21 AM

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I applied for this last thursday at an ocbc branch, since i live near a branch it was more convenient for me. Today i got a sms telling me that my card will arrive in 7 days.

Since the benefits of this card might be gone nobody knows for certain yet, and also I just found out I won't be getting the swipe 3 times RM50 gst rebate because I applied at a branch (ridiculous), dunno if i should activate it or just leave the card in my drawer sad.gif
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post Oct 24 2013, 11:28 AM

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If OCBC decides to cancel OCBC Titanium MasterCard benefits, all the existing cardholders must be informed by post first.
cfa28
post Oct 24 2013, 11:47 AM

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QUOTE(edwardccg @ Oct 24 2013, 10:59 AM)
Based on above statement. Does it mean that from now until end of Nov 2013 our current titanium have no benefits/ rebate?

if that so means our current statement is not getting any rebate? bank would not inform us if they will temporary remove the benefits? i am confused  shakehead.gif

*
It means that all our current Titanium Benefits will continue as per normal. OCBC cannot terminate the Card Benefits without prior notice to Customers.

Howeverm the CS told me, all new applications has been suspended until end-Nov as OCBC wants to promote the Platinum Card

Hence, I say, please call OCBC and voice your objection to any potential cancellation of the OCBC Titanium Card
heliora10
post Oct 24 2013, 11:57 AM

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just received letter from OCBC in the mail rejecting my application =(.
bugger MBB2 took 1 hour to approve mine and they took 2 weeks to reject...

looking at the sample appeal letter on the first page, i should go get my CCRIS report from BNM first?

and how did people who've gone through this do it? submit the appeal letter to the branch or something?
spikey2506
post Oct 24 2013, 12:09 PM

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QUOTE(heliora10 @ Oct 24 2013, 11:57 AM)
just received letter from OCBC in the mail rejecting my application =(.
bugger MBB2 took 1 hour to approve mine and they took 2 weeks to reject...

looking at the sample appeal letter on the first page, i should go get my CCRIS report from BNM first?

and how did people who've gone through this do it? submit the appeal letter to the branch or something?
*
Use the feedback form on their website to send your appeal. Give good details on why they should approve you. (Good payment records, no late payments, not many commitments, etc) They will do another verification call to you after that. I did mine like that. A week after that got approved.
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post Oct 24 2013, 12:18 PM

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I guess what they mean is that there will be no more new applicants while existing holders will maintain status quo until further notice
heliora10
post Oct 24 2013, 12:22 PM

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QUOTE(spikey2506 @ Oct 24 2013, 12:09 PM)
Use the feedback form on their website to send your appeal. Give good details on why they should approve you. (Good payment records, no late payments, not many commitments, etc) They will do another verification call to you after that. I did mine like that. A week after that got approved.
*
you mean using this link https://internet.ocbc.com.my/OCBCInfoMgmt/c...rsonal_new.aspx to contact them?
giving all the details like IC number? meaning i won't be attach any report etc.
spikey2506
post Oct 24 2013, 12:23 PM

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QUOTE(heliora10 @ Oct 24 2013, 12:22 PM)
you mean using this link https://internet.ocbc.com.my/OCBCInfoMgmt/c...rsonal_new.aspx to contact them?
giving all the details like IC number? meaning i won't be attach any report etc.
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Yup. You dont have to attach any. Coz they can get your report themselves
heliora10
post Oct 24 2013, 12:33 PM

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QUOTE(spikey2506 @ Oct 24 2013, 12:23 PM)
Yup. You dont have to attach any. Coz they can get your report themselves
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ok tqvm, shall give it a go.
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post Oct 24 2013, 01:15 PM

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QUOTE(mgb @ Oct 24 2013, 11:21 AM)
I applied for this last thursday at an ocbc branch, since i live near a branch it was more convenient for me. Today i got a sms telling me that my card will arrive in 7 days.

Since the benefits of this card might be gone nobody knows for certain yet, and also I just found out I won't be getting the swipe 3 times RM50 gst rebate because I applied at a branch (ridiculous), dunno if i should activate it or just leave the card in my drawer sad.gif
*
the gst is charged to u whenever u activate it or not.. it is charged upon issuance.
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post Oct 24 2013, 01:18 PM

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QUOTE(cfa28 @ Oct 24 2013, 09:27 AM)
Continue means all benefits / rebates as per normal (until further notice) but no new cards to be accepted.

Guys, please call the OCBC Call Centre and speak to the CS and threaten to cancel your CC if the current benefits are reduced.

Do it, send OCBC the message, all their calls are recorded and monitored and reports on types of calls have to be made.
*
I just do not see a point in doing this. IF OCBC Bank is really losing money on this particular card product, they won't mind losing all existing Titanium MasterCard cardholders, frankly speaking.


QUOTE(edwardccg @ Oct 24 2013, 10:59 AM)
Based on above statement. Does it mean that from now until end of Nov 2013 our current titanium have no benefits/ rebate?

if that so means our current statement is not getting any rebate? bank would not inform us if they will temporary remove the benefits? i am confused  shakehead.gif
*
All Titanium MasterCard benefit is intact until OCBC says otherwise.


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post Oct 24 2013, 01:34 PM

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anyone know how to check the total amount have been spend for the card within the year (annual usage)? i can't find this in statement.

gst going to appear on my statement soon, need to check how many i need to "spend" to reach the 10k to waive the gst. tongue.gif
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post Oct 24 2013, 01:40 PM

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QUOTE(kyle_kl @ Oct 24 2013, 01:34 PM)
anyone know how to check the total amount have been spend for the card within the year (annual usage)?  i can't find this in statement.

gst going to appear on my statement soon, need to check how many i need to "spend" to reach the 10k to waive the gst.  tongue.gif
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Find back all your statements and sum it yourself
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post Oct 24 2013, 02:36 PM

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btw, when do you guys think the situation will be clearer?

after the Budget 2014 announcement tomorrow?

i hope the benefit of titanium will remain unchanged as i have a few auto-debit linked to this card.
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post Oct 24 2013, 02:49 PM

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QUOTE(soonyong80 @ Oct 24 2013, 02:36 AM)
try uob one platinum
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Hm, I have UOB One Platinum. But mainly use it for Petrol only, cap at RM30 per month I think.

That's why applied for OCBC Titanium, especially for rebates on other purchases.
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post Oct 24 2013, 03:22 PM

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QUOTE(pisang @ Oct 24 2013, 02:36 PM)
btw, when do you guys think the situation will be clearer?

after the Budget 2014 announcement tomorrow?

i hope the benefit of titanium will remain unchanged as i have a few auto-debit linked to this card.
*
Same here Bro, its a hassle to change the auto debit for the Utility Bills, etc

-deleted as out of Topic-

This post has been edited by cfa28: Oct 24 2013, 03:41 PM
imranzero
post Oct 24 2013, 04:39 PM

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just got my ocbc titanium mastercard today..!
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post Oct 24 2013, 04:58 PM

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QUOTE(imranzero @ Oct 24 2013, 04:39 PM)
just got my ocbc titanium mastercard today..!
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the brochure come with the card still advertising 5% cash back? biggrin.gif
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post Oct 24 2013, 05:00 PM

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QUOTE(imranzero @ Oct 24 2013, 04:39 PM)
just got my ocbc titanium mastercard today..!
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Congrat. How long did it take you?
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post Oct 24 2013, 05:21 PM

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QUOTE(jjchew88 @ Oct 24 2013, 04:58 PM)
the brochure come with the card still advertising 5% cash back?  biggrin.gif
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for sure, i think... there is no point for ocbc to print new design of brochures less the benefits... tongue.gif
maybe you should ask whether the brochure advertising 10% cash back instead? nod.gif
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post Oct 24 2013, 05:38 PM

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QUOTE(mgb @ Oct 24 2013, 05:00 PM)
Congrat. How long did it take you?
*
3weeks..they sent it on 10 october but receive today rclxub.gif ...jut got it activated few minutes ago biggrin.gif ..
shortleg88
post Oct 24 2013, 05:57 PM

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QUOTE(kyle_kl @ Oct 24 2013, 01:34 PM)
anyone know how to check the total amount have been spend for the card within the year (annual usage)?  i can't find this in statement.

gst going to appear on my statement soon, need to check how many i need to "spend" to reach the 10k to waive the gst.  tongue.gif
*
Or the easier and lazier way is to call the CS and ask how much you have accumulate thus far
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post Oct 24 2013, 06:02 PM

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QUOTE(shortleg88 @ Oct 24 2013, 05:57 PM)
Or the easier and lazier way is to call the CS and ask how much you have accumulate thus far
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the first year I joined. OCBC send me an Annual Statement but in 2-nd year, no more Annual Statement Probably cost them more to send such statements.

QUOTE(MilesAndMore @ Oct 24 2013, 01:18 PM)
I just do not see a point in doing this. IF OCBC Bank is really losing money on this particular card product, they won't mind losing all existing Titanium MasterCard cardholders, frankly speaking.
*
From a CC Company perspective, a Points System vs Cash Rebate system, a Cash Rebate is more costly cos

1) Cash Rebate is immediate payment
2) Some card holders forget to redeem and some points expire
3) Many Points System - the actual value is low cos the CC company has special arrangements, etc

But a Cash Rebate encourages ppl to spend more. But still the MDR to the CC Company vs Cash Rebate to card holder, I dare to say that > 70% of Card Members get more rebates that was OCBC earns in MDR.

So, what is OCBC earning, Simple, they hope that you overspend and cannot pay in full so they can charge you 15% interest rate. This 15% interest rate may be enough to enough to cover the 5% cash rebate if there are enough of what they called 'revolvers', people who only can pay minimum or slightly above minimum.

CC Company hate transactors, ppl who pay in full. CC Company will lose money if they are more Transactors compared to Revolvers. So, if you guys want OCBC to continue this great Card, don't pay in full. Just revolve your monthly account.

Has anyone done a Poll of Transactors vs Revolvers in LYN?



This post has been edited by cfa28: Oct 24 2013, 07:13 PM
spikey2506
post Oct 24 2013, 11:46 PM

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QUOTE(cfa28 @ Oct 24 2013, 06:02 PM)
the first year I joined. OCBC send me an Annual Statement but in 2-nd year, no more Annual Statement Probably cost them more to send such statements.
From a CC Company perspective, a Points System vs Cash Rebate system, a Cash Rebate is more costly cos

1) Cash Rebate is immediate payment
2) Some card holders forget to redeem and some points expire
3) Many Points System - the actual value is low cos the CC company has special arrangements, etc

But a Cash Rebate encourages ppl to spend more. But still the MDR to the CC Company vs Cash Rebate to card holder, I dare to say that >  70% of Card Members get more rebates that was OCBC earns in MDR.

So, what is OCBC earning,  Simple, they hope that you overspend and cannot pay in full so they can charge you 15% interest rate.  This 15% interest rate may be enough to enough to cover the 5% cash rebate if there are enough of what they called 'revolvers', people who only can pay minimum or slightly above minimum.

CC Company hate transactors, ppl who pay in full.  CC Company will lose money if they are more Transactors compared to Revolvers.  So, if you guys want OCBC to continue this great Card, don't pay in full. Just revolve your monthly account.

Has anyone done a Poll of Transactors vs Revolvers in LYN?
*
LYN CC Division is filled with ethical chaps. They will not encourage Revolvers. tongue.gif But I do revolve once in a while. Before I make any large purchases, I do a bit of calculation and see how much I can pay initially and how long do I need to finish it up. I make it a point to not exceed three times of payments to finish it up.
ubuntu
post Oct 25 2013, 12:04 AM

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It seems that OCBC no longer issues OCBC Titanium mastercard. I had just visited their website, it's not there anymore, only Platinum and Gold available.
Congrats to those who manage to get their cards before the end of Titanium card!
Those who are not, let's pray for OCBC would come out with a better card.
heliora10
post Oct 25 2013, 12:33 AM

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QUOTE(cfa28 @ Oct 24 2013, 06:02 PM)
But a Cash Rebate encourages ppl to spend more. But still the MDR to the CC Company vs Cash Rebate to card holder, I dare to say that >  70% of Card Members get more rebates that was OCBC earns in MDR.
*
what's MDR?
TSronnie
post Oct 25 2013, 12:42 AM

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QUOTE(heliora10 @ Oct 25 2013, 12:33 AM)
what's MDR?
*
Merchant Discount Rate ??
http://en.wikipedia.org/wiki/Merchant_account#Discount_Rates
hkboey
post Oct 25 2013, 01:35 AM

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QUOTE(ubuntu @ Oct 25 2013, 12:04 AM)
It seems that OCBC no longer issues OCBC Titanium mastercard. I had just visited their website, it's not there anymore, only Platinum and Gold available.
Congrats to those who manage to get their cards before the end of Titanium card!
Those who are not, let's pray for OCBC would come out with a better card.
*
Today (25/10) is the last day they accept nrw application. Make sure all your required documents are ready and well documented then you still can go ahead and apply. Last day last day... come on! Jump on bandwagon or regret later.
MilesAndMore
post Oct 25 2013, 01:49 AM

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QUOTE(cfa28 @ Oct 24 2013, 06:02 PM)
But a Cash Rebate encourages ppl to spend more. But still the MDR to the CC Company vs Cash Rebate to card holder, I dare to say that >  70% of Card Members get more rebates that was OCBC earns in MDR.

So, what is OCBC earning,  Simple, they hope that you overspend and cannot pay in full so they can charge you 15% interest rate.  This 15% interest rate may be enough to enough to cover the 5% cash rebate if there are enough of what they called 'revolvers', people who only can pay minimum or slightly above minimum.
*
Hence come to my earlier point that there is no point threatening them. If OCBC Bank fails balance things out and really is losing money on this card product, no amount of complain will change their decision to withdraw this card from the market (should they decide to) or to replace the Titanium MasterCard with yet another redesigned credit card with lower rewards return to the card holder.


QUOTE(cfa28 @ Oct 24 2013, 06:02 PM)
CC Company hate transactors, ppl who pay in full. 
*
No. Not really. The reason is quite simple too. It is because people who settle their outstanding in full every month is < those who pay only minimum of a bit more than the minimum.


QUOTE(cfa28 @ Oct 24 2013, 06:02 PM)
So, what is OCBC earning,  Simple, they hope that you overspend and cannot pay in full so they can charge you 15% interest rate.  This 15% interest rate may be enough to enough to cover the 5% cash rebate if there are enough of what they called 'revolvers', people who only can pay minimum or slightly above minimum.

CC Company hate transactors, ppl who pay in full.  CC Company will lose money if they are more Transactors compared to Revolvers.  So, if you guys want OCBC to continue this great Card, don't pay in full. Just revolve your monthly account.

Has anyone done a Poll of Transactors vs Revolvers in LYN?
*
I certainly would not encourage people to do that. While i do not know how many people here settle their credit card in full every month and those who don't, but one thing for sure is that majority of Malaysian credit card holders do not settle their credit card outstanding in full every month. That is according to BNM.
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post Oct 25 2013, 02:45 AM

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Congratulations for all the cardholders of OCBC Titanium Mastercard rclxms.gif And all the best to those who applied on the last day, hope you can join us.

So far I am really making use of this card for dining. Absolutely awesome thumbup.gif
peri peri
post Oct 25 2013, 09:02 AM

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if OCBC titan discontinue, next best card combo with mbb2 will be HLB wise card
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post Oct 25 2013, 09:37 AM

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QUOTE(peri peri @ Oct 25 2013, 09:02 AM)
if OCBC titan discontinue, next best card combo with mbb2 will be HLB wise card
*
Wise is not attractive for light user plus the annual fee is a bomb, i think Gen X published an article on this especially on the Platinum one where the annual is dragging the rebate percentage down.
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post Oct 25 2013, 09:44 AM

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QUOTE(ubuntu @ Oct 25 2013, 12:04 AM)
It seems that OCBC no longer issues OCBC Titanium mastercard. I had just visited their website, it's not there anymore, only Platinum and Gold available.
*
Not only the OCBC TMC, the Great Eastern Card which also offers cash back for Insurance and Education is missing.

And it is not the first time they remove a card from their website. Not to long ago, they also offered IQ credit cards.

QUOTE(bearbear @ Oct 25 2013, 09:37 AM)
Wise is not attractive for light user plus the annual fee is a bomb, i think Gen X published an article on this especially on the Platinum one where the annual is dragging the rebate percentage down.
*
Yes, I did do an article on cash back from MBB 2 AMEX, OCBC and WISE. Click here to read my article Credit Cards Effective Cash Back.
cfa28
post Oct 25 2013, 09:59 AM

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QUOTE(bearbear @ Oct 25 2013, 09:37 AM)
Wise is not attractive for light user plus the annual fee is a bomb, i think Gen X published an article on this especially on the Platinum one where the annual is dragging the rebate percentage down.
*
You mean for Wise Card, there is no 'Free Annual Fee'. Almost all cards in Market is free Annual Fee right? Okay, I will discuss other Cards here but I will go to the Wise thread.

As for my previous post on Transactors vs Revolvers, guys, it was in sarcasm that I said that you guys should revolve. To digress for OCBC, even if the people Revolve, cos the Rebates are quite high, 5% and 1%, etc, unless the average Outstanding is more than RM4.0K for a monthly interest of 1.25% (Annual 15%), OCBC probably still lose $$$.
yusiang
post Oct 25 2013, 12:00 PM

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According to friend from OCBC, no more 5%, they will revise to 1% for all merchants starting 1-Dec.
deity01
post Oct 25 2013, 12:23 PM

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QUOTE(yusiang @ Oct 25 2013, 12:00 PM)
According to friend from OCBC, no more 5%, they will revise to 1% for all merchants starting 1-Dec.
*
if OCBC no more 5%...then will citibank cash back platinum be a good substitute for WEEKDAY petrol spending?
and which card will be better to substitute its utilities bills, like astro, streamyx, unifi and etc, 5% rebate benefits?
edwardccg
post Oct 25 2013, 12:33 PM

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QUOTE(yusiang @ Oct 25 2013, 12:00 PM)
According to friend from OCBC, no more 5%, they will revise to 1% for all merchants starting 1-Dec.
*
confirmed info? sad.gif
is it unlimited 1% on all retail spending, i wonder which category is not included on the 1%
Human Nature
post Oct 25 2013, 12:37 PM

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I will still retain the card if it's 1% for all. RM10 monthly for insurance x 12 still give me RM120 nett smile.gif I will miss the 5% for dining alot though as most chinese restaurants here do not accept amex sad.gif

I am anticipating the revamped Platinum card to be more attractive.

This post has been edited by Human Nature: Oct 25 2013, 12:40 PM
edwardccg
post Oct 25 2013, 12:40 PM

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QUOTE(Human Nature @ Oct 25 2013, 12:37 PM)
I will still retain the card if it's 1% for all. RM10 monthly for insurance x 12 still give me RM120 nett smile.gif I will miss the 5% for dining alot though as not many chinese restaurant accepts amex  sad.gif

I am anticipating the revamped Platinum card to be more attractive.
*
you have monthly insurance of rm1000?

i will also keep if unlimited 1%, just wonder it does not include which transaction. some 1% cash back card is not include petrol. but petrol will use mbb2 amex instead, 5XTP still have 2%

This post has been edited by edwardccg: Oct 25 2013, 12:41 PM
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post Oct 25 2013, 12:41 PM

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QUOTE(deity01 @ Oct 25 2013, 12:23 PM)
if OCBC no more 5%...then will citibank cash back platinum be a good substitute for WEEKDAY petrol spending?
*
Either this or the UOB One Card.


QUOTE(deity01 @ Oct 25 2013, 12:23 PM)
and which card will be better to substitute its utilities bills, like astro, streamyx, unifi and etc, 5% rebate benefits?
*
Auto-debit with MBB2 AMEX. 2% cash back at least. For utilities bills, it depends. If you are sure the MCC code is 4900, then HLB Wise VISA is the way to go.
Human Nature
post Oct 25 2013, 12:45 PM

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QUOTE(edwardccg @ Oct 25 2013, 12:40 PM)
you have monthly insurance of rm1000?

i will also keep if unlimited 1%, just wonder it does not include which transaction. some 1% cash back card is not include petrol. but petrol will use mbb2 amex instead, 5XTP still have 2%
*
Yeah, including parents smile.gif
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post Oct 25 2013, 12:54 PM

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QUOTE(yusiang @ Oct 25 2013, 12:00 PM)
According to friend from OCBC, no more 5%, they will revise to 1% for all merchants starting 1-Dec.
*
OMG! I got to go revise all my articles that have reference to the OCBC TMC if that is the case doh.gif

Actually, ignoring AMEX cards, unlimited 1% can be considered pretty good for general local transactions. Even with the RM50 cap, the card is still good for up to RM5K/month of spending.

This post has been edited by Gen-X: Oct 25 2013, 12:55 PM
alexwsk
post Oct 25 2013, 01:20 PM

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i would advice no more rumour regarding ocbc tit cash back feature for now as there's nothing much you can do about it

the first one to get an official notification of any type should post it here instead
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post Oct 25 2013, 01:59 PM

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Aeon Watami 3% every quarter is a better deal if this 1% is true?
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post Oct 25 2013, 02:03 PM

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Great my card just got approved and now this happened. sad.gif
TSronnie
post Oct 25 2013, 02:20 PM

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Unlimited 1% is nothing lah.... HLB Essential also doing 1% Unlimited Cash-Back

This post has been edited by ronnie: Oct 25 2013, 02:24 PM
panasonic88
post Oct 25 2013, 02:27 PM

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The OCBC Ti gonna lose its shine if the 5% is being demolished unsure.gif

I will cancel it and use MBB2cards only afterall my monthly usage is not that much, 1% discount is not attractive at all.
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post Oct 25 2013, 02:29 PM

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Should I call OCBC to get the new-look Titanium card to keep as souvenir ???
mgb
post Oct 25 2013, 02:36 PM

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Yeah same here, my monthly expenditure on the essentials (petrol, utilities, groceries, food) are roughly between RM700-RM1000.

1% would give me average RM9 cashback per month, ~RM110 per year.
If no GST waiver, then I'd get about RM60 cashback in a year.

Hoping and keeping my fingers crossed that ocbc will retain the 5% cashback.
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post Oct 25 2013, 02:43 PM

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The OCBC CS told new enhancement to the feature of Titanium MasterCard from 28-Nov-2013 ... good or worse we don't know.
lamode
post Oct 25 2013, 07:10 PM

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There is nothing about credit card on 2014 Budget.
kurtkantoi
post Oct 25 2013, 11:13 PM

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QUOTE(yusiang @ Oct 25 2013, 12:00 PM)
According to friend from OCBC, no more 5%, they will revise to 1% for all merchants starting 1-Dec.
*
Then 1-Dec will be the end of my journey with OCBC. wink.gif
red_scorpion
post Oct 25 2013, 11:48 PM

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really? no more 5%? haiz.....if 1% then we have to consider other cards
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post Oct 26 2013, 12:00 AM

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QUOTE(red_scorpion @ Oct 25 2013, 11:48 PM)
really? no more 5%? haiz.....if 1% then we have to consider other cards
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It's not confirmed yet but yes, you should have your heart ready for the worst now sad.gif

edison1437
post Oct 26 2013, 01:07 PM

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just got my 2nd statement from OCBC some how i found that they never list down the discount details like UOB doesnt.

must we called the SC to get information which transaction is under what category? rclxub.gif

This post has been edited by edison1437: Oct 26 2013, 01:07 PM
Human Nature
post Oct 26 2013, 01:11 PM

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QUOTE(edison1437 @ Oct 26 2013, 01:07 PM)
just got my 2nd statement from OCBC some how i found that they never list down the discount details like UOB doesnt.

must we called the SC to get information which transaction is under what category?  rclxub.gif
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estimate yourself or call up CS
edison1437
post Oct 26 2013, 01:18 PM

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QUOTE(Human Nature @ Oct 26 2013, 01:11 PM)
estimate yourself or call up CS
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looks like the only way to get the details is to call SC.....
anyway hope they going to continue this Ti card
just receive this card about 2 months already got rumours that the card going to obsolete doh.gif
Zer0 c00L
post Oct 26 2013, 01:52 PM

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well, if they decide to abolish and/or revise the current benefits, then all we can do now is enjoy swiping it while we still can lol
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post Oct 26 2013, 02:52 PM

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QUOTE(Jason @ Oct 25 2013, 02:45 AM)
Congratulations for all the cardholders of OCBC Titanium Mastercard  rclxms.gif And all the best to those who applied on the last day, hope you can join us.

So far I am really making use of this card for dining. Absolutely awesome  thumbup.gif
*
Once they re-launch the new card, I believe the existing/old card will be follow new structure. I'm gonna loose RM450 rebate for my great eastern platinum card + rm600 for titanium card cry.gif
GGSC27
post Oct 27 2013, 08:19 PM

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any news ?
maldiniho
post Oct 27 2013, 09:53 PM

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QUOTE(edison1437 @ Oct 26 2013, 01:18 PM)
looks like the only way to get the details is to call SC.....
anyway hope they going to continue this Ti card
just receive this card about 2 months already got rumours that the card going to obsolete doh.gif
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Aww.. This is the best card out there IMHO . Ocbc should maintain this card
mgb
post Oct 27 2013, 10:17 PM

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QUOTE(maldiniho @ Oct 27 2013, 09:53 PM)
Aww.. This is the best card out there IMHO . Ocbc should maintain this card
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Best card for us, but not so much for ocbc.
edison1437
post Oct 27 2013, 10:46 PM

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QUOTE(maldiniho @ Oct 27 2013, 09:53 PM)
Aww.. This is the best card out there IMHO . Ocbc should maintain this card
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I still got UOB one card laugh.gif
eric84cool
post Oct 28 2013, 12:38 AM

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Looking forward to see new OCBC feature benefit....if rumour that OCBC will give 1% instead of 5%, for sure it'll affect the current customer base...don't think OCBC will go into this way..
victorywp
post Oct 28 2013, 09:52 AM

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QUOTE(eric84cool @ Oct 28 2013, 12:38 AM)
Looking forward to see new OCBC feature benefit....if rumour that OCBC will give 1% instead of 5%, for sure it'll affect the current customer base...don't think OCBC will go into this way..
*
if they change from 5% to 1%, i hope that they will lift up the current maximum rebate capped from RM50 to unlimited.. thumbup.gif
janson_kaniaz
post Oct 28 2013, 10:37 AM

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QUOTE(victorywp @ Oct 28 2013, 09:52 AM)
if they change from 5% to 1%, i hope that they will lift up the current maximum rebate capped from RM50 to unlimited..  thumbup.gif
*
meaning no longer good for ppl who shop wisely...
meant for ppl who can shop in excess of RM5k to take advantge of the "unlimited" feature...
maldiniho
post Oct 28 2013, 10:44 AM

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QUOTE(mgb @ Oct 27 2013, 10:17 PM)
Best card for us, but not so much for ocbc.
*
guess ocbc started to realized it doesn't make such a good biz case anymore, too many own the card and swipe kaw kaw tongue.gif
bearbear
post Oct 28 2013, 10:56 AM

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swipe kaw kaw also nvm, problem is ppl swipe to get RM50 only and stop using this card tongue.gif
edwardccg
post Oct 28 2013, 11:09 AM

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QUOTE(victorywp @ Oct 28 2013, 09:52 AM)
if they change from 5% to 1%, i hope that they will lift up the current maximum rebate capped from RM50 to unlimited..  thumbup.gif
*
then would be no different with the Hong Leong Essential card.
but the essential 1% is not include petrol
Human Nature
post Oct 28 2013, 12:08 PM

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QUOTE(edwardccg @ Oct 28 2013, 11:09 AM)
then would be no different with the Hong Leong Essential card.
but the essential 1% is not include petrol
*
If you refer to the other 2 cards listed at OCBC website, petrol is not included too.
victorywp
post Oct 28 2013, 12:10 PM

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QUOTE(janson_kaniaz @ Oct 28 2013, 10:37 AM)
meaning no longer good for ppl who shop wisely...
meant for ppl who can shop in excess of RM5k to take advantge of the "unlimited" feature...
*
at least you can use it to pay for your insurance policies or other normal huge expenses (maybe education, furnitures, etc.) to get the 1%.

QUOTE(edwardccg @ Oct 28 2013, 11:09 AM)
then would be no different with the Hong Leong Essential card.
but the essential 1% is not include petrol
*
uob one card platinum and citibank cash back platinum has no difference too but they still can compete in their own way.
for example, both has the same rebate for petrol 5%, groceries 2 %, pharmaceutical 2%, telecommunication 2%, and others 0.3%.
but uob has more users for bhp (additional 2% smart$) while citibank for cinemas (buy 1 free 1).
and uob doesn't need to wait to accumulate minimum rm50 in order to receive the cash back unlike citibank.

so, it just depends on how they provide additional value on top of their card's basic features. smile.gif
genchwan
post Oct 28 2013, 07:06 PM

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OCBC titanium is no longer available?
lamode
post Oct 28 2013, 07:24 PM

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QUOTE(genchwan @ Oct 28 2013, 07:06 PM)
OCBC titanium is no longer available?
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not for now.
it might be back on DEC, whether same benefit or not is another question.
- JaY -
post Oct 29 2013, 12:26 AM

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My Titanium approved! rclxm9.gif just hope they remain the benefits smile.gif
mgb
post Oct 29 2013, 11:03 AM

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Just collected my card yesterday after 7 working days from application. Quite fast eh.
Better use it as much as I can before the benefits get reduced tongue.gif
lcyeap90
post Oct 30 2013, 01:47 PM

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I saw titanium master card has back in ocbc website. any updated news about it?
HeHeHunter
post Oct 30 2013, 01:53 PM

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I saw the link is back: http://www.ocbc.com.my/personal-banking/Ca...mastercard.html
TSronnie
post Oct 30 2013, 02:27 PM

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Maybe everyone was quick to "judge" a reduced benefit from OCBC Titanium MasterCard
cfa28
post Oct 30 2013, 03:12 PM

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QUOTE(ronnie @ Oct 30 2013, 02:27 PM)
Maybe everyone was quick to "judge" a reduced benefit from OCBC Titanium MasterCard
*
good news for all of us. Perhaps OCBC saw this tread and realized how many loyal; and passionate customers they had and knew that they could not afford to lose them.
edwardccg
post Oct 30 2013, 03:13 PM

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QUOTE(ronnie @ Oct 30 2013, 02:27 PM)
Maybe everyone was quick to "judge" a reduced benefit from OCBC Titanium MasterCard
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or maybe OCBC want to stop our questioning tongue.gif
spikey2506
post Oct 30 2013, 03:19 PM

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The details are back on, but still no application link for both Ti and GE cards. Something might still be brewing.
cfa28
post Oct 30 2013, 03:59 PM

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QUOTE(spikey2506 @ Oct 30 2013, 03:19 PM)
The details are back on, but still no application link for both Ti and GE cards. Something might still be brewing.
*
Could be cos as mentioned no more new applications for Titanium until end Nov
labtec
post Oct 30 2013, 05:37 PM

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haha, the titanium master card is back in their website tongue.gif
zaFrOoNaLdO
post Oct 30 2013, 05:49 PM

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yeah titanium is back. hopefully they will announce with 20% the curve promo again.
sj0217
post Oct 30 2013, 06:00 PM

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QUOTE(zaFrOoNaLdO @ Oct 30 2013, 05:49 PM)
yeah titanium is back. hopefully they will announce with 20% the curve promo again.
*
Haha hope so... This is more attractive point that dining at the curve with 20% discount rclxms.gif

Recently less dining at the curve since the promotion has ended.
spikey2506
post Oct 30 2013, 08:40 PM

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Titanium is the new Plat now. Ti min 36K. Plat 24K. Lol
GGSC27
post Oct 31 2013, 01:01 AM

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ok..where gt roadshow..wanna get free gift from them

online register dun get free gift aso..not worth it
victorywp
post Oct 31 2013, 01:28 AM

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QUOTE(GGSC27 @ Oct 31 2013, 01:01 AM)
ok..where gt roadshow..wanna get free gift from them

online register dun get free gift aso..not worth it
*
i think you should be happy if you were still able to sign up for this card from their website, not to mention whether there is any free gift. nod.gif

This post has been edited by victorywp: Oct 31 2013, 01:29 AM
shoduken
post Oct 31 2013, 04:28 AM

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Signed up last week. Today is Thursday. Still no call from them. Lol. Rejected? Zzz
LoveMeNot
post Oct 31 2013, 10:04 AM

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QUOTE(GGSC27 @ Oct 31 2013, 01:01 AM)
ok..where gt roadshow..wanna get free gift from them

online register dun get free gift aso..not worth it
*
Always saw it at tropicana mall LG (the food area)
shawnriver
post Oct 31 2013, 11:31 AM

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sign up two weeks ago
Just call agent, say the status is 'pending' in the system...
weird.
epie
post Oct 31 2013, 03:45 PM

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i received a letter saying that my application has been rejected waaaa
edison1437
post Oct 31 2013, 03:47 PM

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QUOTE(GGSC27 @ Oct 31 2013, 01:01 AM)
ok..where gt roadshow..wanna get free gift from them

online register dun get free gift aso..not worth it
*
been using mine for 2 month and yet to receive free give from the officer doh.gif
billysiah
post Oct 31 2013, 05:59 PM

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Just received a call from an online telemarketing staff for my credit card application as i was rejected last week. She told me ocbc now no longer offer this card that's why i was rejected. But she offer me to apply for ocbc platinum card instead as they have revised the criteria.
GGSC27
post Oct 31 2013, 08:23 PM

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QUOTE(billysiah @ Oct 31 2013, 05:59 PM)
Just received a call from an online telemarketing staff for my credit card application as i was rejected last week. She told me ocbc now no longer offer this card that's why i was rejected. But she offer me to apply for ocbc platinum card instead as they have revised the criteria.
*
f***!!!!! after survey so long finally decide ocbc suit me the most



any other card????????
bingozero
post Nov 1 2013, 08:35 AM

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QUOTE(GGSC27 @ Oct 31 2013, 08:23 PM)
f***!!!!! after survey so long finally decide ocbc suit me the most
any other card????????
*
Citibank cashback platinum or UOB one
1234_4321
post Nov 1 2013, 03:20 PM

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the 5% rebate benefit is going to end soon? Any official announcement?
bearbear
post Nov 1 2013, 03:46 PM

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no news is good news for now tongue.gif
1234_4321
post Nov 1 2013, 05:17 PM

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can i know where is the rumor start from?
any hints?
victorywp
post Nov 1 2013, 05:53 PM

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QUOTE(1234_4321 @ Nov 1 2013, 05:17 PM)
can i know where is the rumor start from?
any hints?
*
since ocbc no longer accept new application and removed the card from their website.
1234_4321
post Nov 1 2013, 06:48 PM

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QUOTE(victorywp @ Nov 1 2013, 05:53 PM)
since ocbc no longer accept new application and removed the card from their website.
*
ic..
but i still manage to see the card info from the ocbc malaysia website wor

http://www.ocbc.com.my/personal-banking/Ca..._TitaniumMaster
mgb
post Nov 1 2013, 06:52 PM

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QUOTE(1234_4321 @ Nov 1 2013, 06:48 PM)
ic..
but i still manage to see the card info from the ocbc malaysia website wor

http://www.ocbc.com.my/personal-banking/Ca..._TitaniumMaster
*
It was removed for about a week, then just added back recently.
edwardccg
post Nov 1 2013, 06:54 PM

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QUOTE(1234_4321 @ Nov 1 2013, 06:48 PM)
ic..
but i still manage to see the card info from the ocbc malaysia website wor

http://www.ocbc.com.my/personal-banking/Ca..._TitaniumMaster
*
the link is gone from about 20 October - 30 October
and some member reported 25 October is the last day for new application. they had revise and would like to promote their platinium card.

however, so far we only know no more new application, for the benefits still no update, so would still retain until they say something
spikey2506
post Nov 1 2013, 07:38 PM

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QUOTE(1234_4321 @ Nov 1 2013, 05:17 PM)
can i know where is the rumor start from?
any hints?
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Some agents have indicated this and also those with friends inside OCBC
1234_4321
post Nov 1 2013, 09:20 PM

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thanks for explanation for the rumours...
aiks... hopefully the card benefit will remain n not forcing existing card holder to change...nreally a good card to use...
SUSMNet
post Nov 2 2013, 10:12 AM

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the programer forgot to put the application link
victorywp
post Nov 2 2013, 10:57 AM

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QUOTE(MNet @ Nov 2 2013, 10:12 AM)
the programer forgot to put the application link
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i think they did it on purpose. they put back the card into their website (to stop us from questioning them) but they still won't allow new application. nod.gif
patrick888
post Nov 2 2013, 11:40 AM

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I just got my card yesterday.
one leg kicking
post Nov 2 2013, 12:12 PM

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T&C & FAQ for OCBC Ti already put back to the website: http://ocbc.com.my/assets/pdf/Cards/Titanium%20FAQ%20TC.pdf
GGSC27
post Nov 4 2013, 12:51 AM

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QUOTE(one leg kicking @ Nov 2 2013, 12:12 PM)
T&C & FAQ for OCBC Ti already put back to the website: http://ocbc.com.my/assets/pdf/Cards/Titanium%20FAQ%20TC.pdf
*
cant apply anyway..damn!!
heliora10
post Nov 4 2013, 11:10 AM

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ok got a call from OCBC saying they'll re-look into my application again after rejecting it, fingers crossed...
victorywp
post Nov 4 2013, 12:41 PM

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QUOTE(heliora10 @ Nov 4 2013, 11:10 AM)
ok got a call from OCBC saying they'll re-look into my application again after rejecting it, fingers crossed...
*
that's a good news. all the best to you! icon_rolleyes.gif
peri peri
post Nov 4 2013, 02:04 PM

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i havent get the chance to change for new design titan card, now discontinue redi?
cherriedpie
post Nov 4 2013, 06:24 PM

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discontinued?? is that why they are taking so long to process my application? time to move on to greener credit card pastures then ...
fatt_jay
post Nov 4 2013, 11:17 PM

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I just get my card today & very disappointed that they didnt offer me the RM50 rebate with 3 swipe within 45 days.
The reason given are I AM WALK-IN APPLICANT !!!!
Only mobile/roadshow/online application entitled for that promotion.
DISAPPOINTED
victorywp
post Nov 4 2013, 11:31 PM

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QUOTE(fatt_jay @ Nov 4 2013, 11:17 PM)
I just get my card today & very disappointed that they didnt offer me the RM50 rebate with 3 swipe within 45 days.
The reason given are I AM WALK-IN APPLICANT !!!!
Only mobile/roadshow/online application entitled for that promotion.
DISAPPOINTED
*
oh really? i was not aware of such rules because i applied through their website last time. hmm.gif
fatt_jay
post Nov 4 2013, 11:40 PM

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QUOTE(victorywp @ Nov 4 2013, 11:31 PM)
oh really? i was not aware of such rules because i applied through their website last time.  hmm.gif
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Actually I did verify with the staff first b4 I apply at the Branch, and the staff did tell me I am entitled.... But end up with nothing...
I did question the staff who submit my application, but nothing she can help except apologise.
chris_xi
post Nov 5 2013, 01:32 PM

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the TMC will be revamped alongside with other CC
just about to apply it but was told by the KK branch walk-in application at the moment is not acceptable until further notice
so until they finally launch what they have been revamping behind closed doors we are only left with 2 possible scenarios, depends on what kind of mood you have toward the future of the TMC
biggrin.gif
stuffx
post Nov 5 2013, 01:58 PM

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What i heard from an insider the 5% rebate will be continued but there will be cap in each category. So the probability to max out the cashback is getting lower unless if you are really using this card for all 4 categories
victorywp
post Nov 5 2013, 02:34 PM

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QUOTE(stuffx @ Nov 5 2013, 01:58 PM)
What i heard from an insider the 5% rebate will be continued but there will be cap in each category. So the probability to max out the cashback is getting lower unless if you are really using this card for all 4 categories
*
you mean something like max rebate for dining is rm10 + groceries rm10 + bills rm10 + petrol rm10 + others rm10 = total rm50 max rebate?
sounds like a good idea for a win-win situation... hmm.gif

This post has been edited by victorywp: Nov 5 2013, 02:35 PM
stuffx
post Nov 5 2013, 02:41 PM

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QUOTE(victorywp @ Nov 5 2013, 02:34 PM)
you mean something like max rebate for dining is rm10 + groceries rm10 + bills rm10 + petrol rm10 + others rm10 = total rm50 max rebate?
sounds like a good idea for a win-win situation...  hmm.gif
*
Yup something like that.
GymBoi
post Nov 5 2013, 05:04 PM

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QUOTE(victorywp @ Nov 5 2013, 02:34 PM)
you mean something like max rebate for dining is rm10 + groceries rm10 + bills rm10 + petrol rm10 + others rm10 = total rm50 max rebate?
sounds like a good idea for a win-win situation...  hmm.gif
*
Mind pointing where's the win win situation ? I only see win-lose situation
victorywp
post Nov 5 2013, 05:27 PM

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QUOTE(GymBoi @ Nov 5 2013, 05:04 PM)
Mind pointing where's the win win situation ? I only see win-lose situation
*
as per mentioned before, ocbc may be suffering from huge loss due to the smart users like us who stopped using after reaching rm50 rebate and paying the full amount of our cc statement.
like most of other banks did, ocbc can just terminate the features/benefits of the card or reduce the rebate down from 5% or reduce the max capped value down from rm50.
however, with the insider's information like this, means that ocbc chose to maintain the same benefits of 5% and max capped of rm50, but only with small changes to improve members cc usage equally in all categories... in which i think is a win-win situation for both parties. at least the users still get the 5% and not lower... wink.gif

This post has been edited by victorywp: Nov 5 2013, 05:34 PM
stuffx
post Nov 5 2013, 05:43 PM

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i usually max out the rm50 cashback only in bills and others categories... looking at the possible new rebate structure i will only get rm20 max.. sad.gif
victorywp
post Nov 5 2013, 06:02 PM

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QUOTE(stuffx @ Nov 5 2013, 05:43 PM)
i usually max out the rm50 cashback only in bills and others categories... looking at the possible new rebate structure i will only get rm20 max.. sad.gif
*
yes, that's one of the strategy to minimise their loss (if the insider news is true).
most people will not be able to get the max of rm50.

also it will be hard for one to control/limit your expenses in each category when each category has its own max rebate, so one will ended up overspent in the categories and ocbc can once again minimise their loss from there. whistling.gif
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post Nov 5 2013, 06:02 PM

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QUOTE(victorywp @ Nov 5 2013, 05:27 PM)
however, with the insider's information like this, means that ocbc chose to maintain the same benefits of 5% and max capped of rm50, but only with small changes to improve members cc usage equally in all categories... in which i think is a win-win situation for both parties. at least the users still get the 5% and not lower...  wink.gif
*
Agreed. It's better than getting rid of the 5% feature altogether.
victorywp
post Nov 5 2013, 06:35 PM

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QUOTE(MilesAndMore @ Nov 5 2013, 06:02 PM)
Agreed. It's better than getting rid of the 5% feature altogether.
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yeah, although the card may not be as good as before, but i think such changes still considered as fair towards us users. smile.gif
SUSDavid83
post Nov 5 2013, 06:41 PM

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It'll be like UOB and Citibank whereby transaction at certain category will be capped to certain upper limit.
victorywp
post Nov 5 2013, 06:46 PM

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QUOTE(David83 @ Nov 5 2013, 06:41 PM)
It'll be like UOB and Citibank whereby transaction at certain category will be capped to certain upper limit.
*
anyway, it's still too early for us to comment now because we can't be sure whether the insider news is true...
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post Nov 5 2013, 10:12 PM

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if they do cap petrol to rm10 per month then they'll be less competitive against other cards in the market for petrol.

that said though, I'm pretty most are smart enough to manage their spendings on each card to maximize the cash back / benefits
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post Nov 5 2013, 10:47 PM

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hi all,

anybody booked hotel on agoda before? anyone got the 7% discount? If yes, how does it go? do u have to pay full first, then OCBC will give rebate in the statement? Or will deduct 7% from the grand total during checkout?
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post Nov 5 2013, 10:59 PM

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Anyone tried Autopay for Unifi using their occ.unifi.my? does it entitled for 5% as well?
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post Nov 6 2013, 12:22 PM

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QUOTE(- JaY - @ Nov 5 2013, 10:59 PM)
Anyone tried Autopay for Unifi using their occ.unifi.my? does it entitled for 5% as well?
*
For my streamyx yes, Unifi, as long as MCC Code is Utility company, should get it.
- JaY -
post Nov 6 2013, 01:11 PM

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QUOTE(cfa28 @ Nov 6 2013, 12:22 PM)
For my streamyx yes, Unifi, as long as MCC Code is Utility company, should get it.
*
How do you guys check the MCC code? I know paying straight from OCBC website gets 5%, but autopay I not sure, even the CS on phone couldn't answer me rclxub.gif
cfa28
post Nov 6 2013, 01:19 PM

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QUOTE(- JaY - @ Nov 6 2013, 01:11 PM)
How do you guys check the MCC code? I know paying straight from OCBC website gets 5%, but autopay I not sure, even the CS on phone couldn't answer me  rclxub.gif
*
Refer http://www.ocbc.com.my/assets/pdf/Cards/Ti...%20FAQ%20TC.pdf

5% Cash rebate on Petrol, Groceries, Utility Bills and Dining

i. Petrol/Gas Stations (MCC codes 5541 and 5542)
ii. Grocery Stores (MCC codes 5411, 5422 and 5451)
iii. Utility Bills (MCC codes 4814, 4815, 4816, 4821, 4899 and 4900)
iv. Restaurant (MCC codes 5811, 5812, 5813 and 5814)
shortleg88
post Nov 6 2013, 02:00 PM

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QUOTE(- JaY - @ Nov 6 2013, 01:11 PM)
How do you guys check the MCC code? I know paying straight from OCBC website gets 5%, but autopay I not sure, even the CS on phone couldn't answer me  rclxub.gif
*
Unifi autopay entitles to 5% rebate under utility, been doing that for 1 year plus already
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post Nov 6 2013, 02:57 PM

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tis card can no longer to apply online? only platinum and gold card..aisssh..
victorywp
post Nov 6 2013, 03:25 PM

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QUOTE(boogie78 @ Nov 6 2013, 02:57 PM)
tis card can no longer to apply online? only platinum and gold card..aisssh..
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yeah, you may need to wait until further notice...
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post Nov 6 2013, 04:20 PM

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QUOTE(cfa28 @ Nov 6 2013, 01:19 PM)
Refer http://www.ocbc.com.my/assets/pdf/Cards/Ti...%20FAQ%20TC.pdf

5% Cash rebate on Petrol, Groceries, Utility Bills and Dining

i. Petrol/Gas Stations (MCC codes 5541 and 5542)
ii. Grocery Stores (MCC codes 5411, 5422 and 5451)
iii. Utility Bills (MCC codes 4814, 4815, 4816, 4821, 4899 and 4900)
iv. Restaurant (MCC codes 5811, 5812, 5813 and 5814)
*
I know a bout that, but some having a diff MCC code and I wonder how u ppl check it Haha..

QUOTE(shortleg88 @ Nov 6 2013, 02:00 PM)
Unifi autopay entitles to 5% rebate under utility, been doing that for 1 year plus already
*
OK the, I shall proceed with auto pay instead of paying monthly via OCBC internet banking.
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post Nov 6 2013, 04:38 PM

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QUOTE(- JaY - @ Nov 6 2013, 04:20 PM)
I know a bout that, but some having a diff MCC code and I wonder how u ppl check it Haha..
Can call CS and ask
victorywp
post Nov 6 2013, 04:40 PM

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QUOTE(- JaY - @ Nov 6 2013, 04:20 PM)
OK the, I shall proceed with auto pay instead of paying monthly via OCBC internet banking.
*
on top of that, you will get additional rm2 monthly rebate from unifi for subscribing to autopay. nod.gif
hkboey
post Nov 6 2013, 06:44 PM

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Applied OCBC TMC for me and my wife, both principal, on the 2nd last day when the card available which was 24th Oct. Today CS called me and said both been approved and shall be expecting the card next week. rclxms.gif rclxm9.gif


victorywp
post Nov 6 2013, 06:53 PM

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QUOTE(hkboey @ Nov 6 2013, 06:44 PM)
Applied OCBC TMC for me and my wife, both principal, on the 2nd last day when the card available which was 24th Oct. Today CS called me and said both been approved and shall be expecting the card next week. rclxms.gif  rclxm9.gif
*
good to hear that! congratulations! rclxms.gif
hopefully the benefits of this card would be maintained so that we all may still continue to benefit from it. drool.gif
hkboey
post Nov 6 2013, 06:57 PM

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QUOTE(victorywp @ Nov 6 2013, 06:53 PM)
good to hear that! congratulations!  rclxms.gif
hopefully the benefits of this card would be maintained so that we all may still continue to benefit from it.  drool.gif
*
Yeah... hopefully. Otherwise this card gonna add to my card holder for collection only. Haha
ad c2
post Nov 7 2013, 03:26 PM

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OCBC already revised Ti CC

No more 5% ->1% from 29 Nov 2013 doh.gif
http://www.ocbc.com.my/assets/pdf/Cards/cr...nnouncement.pdf
RokXIII
post Nov 7 2013, 03:30 PM

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QUOTE(ad c2 @ Nov 7 2013, 03:26 PM)
OCBC already revised Ti CC

No more 5% ->1% from 29 Nov 2013  doh.gif
http://www.ocbc.com.my/assets/pdf/Cards/cr...nnouncement.pdf
*
hmmm... except MBB 2 cards, which CC can be best to replace OCBC now?
den
post Nov 7 2013, 03:34 PM

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QUOTE(RokXIII @ Nov 7 2013, 03:30 PM)
hmmm... except MBB 2 cards, which CC can be best to replace OCBC now?
*
cry.gif cry.gif

UOB one card?
jkngo2003
post Nov 7 2013, 03:48 PM

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last times , three best card is wise card, ocbc card and maybank 2 card. start from next month, only two cards is left.
mustang
post Nov 7 2013, 03:57 PM

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I assume from now till 29 Nov, existing features remain?
OptimusStar
post Nov 7 2013, 03:57 PM

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QUOTE(RokXIII @ Nov 7 2013, 03:30 PM)
hmmm... except MBB 2 cards, which CC can be best to replace OCBC now?
*
It says 1% rebate on total retail spending, does that means from our total monthly statement we get a 1% rebate?

Time to hunt for a new card.

Any suggestions folks?
den
post Nov 7 2013, 04:01 PM

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QUOTE(jkngo2003 @ Nov 7 2013, 03:48 PM)
last times , three best card is wise card, ocbc card and maybank 2 card. start from next month, only two cards is left.
*
wise card seems not bad. but need 10 transactions per month, with min RM50 each sweat.gif

if maxis bill can pay a few times RM50 ah? tongue.gif
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post Nov 7 2013, 04:04 PM

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This makes OCBC Titanium MasterCard from one of the best card to the level of "normal" CC = HLB Essential
fruitie
post Nov 7 2013, 04:20 PM

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Time to cancel my OCBC Ti once I found a better one. Serves no purpose anymore.

Will pay all my bills that entitled for 5% rebate by 29th November.
goliath
post Nov 7 2013, 04:20 PM

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Oh gosh... I guess I need to hunt a credit card specifically for food and petrol now. Any suggestions?
tbheng
post Nov 7 2013, 04:53 PM

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Geez... I can't believe this is the finale... there goes my RM50 monthly cash cow... cry.gif
Ever since I setup auto debit 5 months back, it has been my faithful auto-pilot cash cow in my drawer...
Now it got to work 5x harder or time to move on, haiz sad.gif
Good things just won't last, will they? But, for the past 2.5 year owning this card, I must say it has been a rewarding time. nod.gif

This post has been edited by tbheng: Nov 7 2013, 05:12 PM
sj0217
post Nov 7 2013, 05:19 PM

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This is absolutely bad new for those who rely it on spending for 5% cash back. No more 5% mean useless for some categories spend.

Petrol can move to UOB one card on weekdays.

What is this mean retail spend? is this mean every single spend is entitled 1% or certain categories only?

edwardccg
post Nov 7 2013, 05:29 PM

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QUOTE(ad c2 @ Nov 7 2013, 03:26 PM)
OCBC already revised Ti CC

No more 5% ->1% from 29 Nov 2013  doh.gif
http://www.ocbc.com.my/assets/pdf/Cards/cr...nnouncement.pdf
*
This is not good sad.gif


BTW, any more details on how will they calculate for existing cash rebate?

my next statement cycle will be 19 Nov - 18 Dec.
does this mean the current 5% category from 19 Nov - 28 Nov will entitle 5% but after 29Nov will be 1%?
and also the capped, spending on 19 Nov - 28 Nov will get RM50 max, and unlimited(?) after 29 Nov?

for the 1%, it seems like still not clear.
is it UNLIMITED? 'total spending' got EXCLUDE any kind of spending? (petrol, gov...)

This post has been edited by edwardccg: Nov 7 2013, 05:34 PM
nothingz
post Nov 7 2013, 05:34 PM

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the timing is just right, next month will be my anniversary month, means can cut already. the most headache part is to re-direct all the standing orders
notok
post Nov 7 2013, 05:37 PM

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next month no more 5% rebate for bill payment. which card is the best beside wise card for bill payment ?

This post has been edited by notok: Nov 7 2013, 05:38 PM
TSronnie
post Nov 7 2013, 05:38 PM

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Gonna stop using this card after this statement period ... cry.gif cry.gif

This post has been edited by ronnie: Nov 7 2013, 05:38 PM
ONGEDWIN
post Nov 7 2013, 06:01 PM

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So, what is the new max cap limit? Still RM 50? or ?
hkboey
post Nov 7 2013, 06:11 PM

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No joy at all for this newly approved and yet to arrive card. mad.gif vmad.gif mad.gif vmad.gif mad.gif
MGM
post Nov 7 2013, 06:12 PM

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QUOTE(hkboey @ Nov 7 2013, 06:11 PM)
No joy at all for this newly approved and yet to arrive card.  mad.gif  vmad.gif  mad.gif  vmad.gif  mad.gif
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I feel for you. Time to look for alternative.
tifosi
post Nov 7 2013, 06:12 PM

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This sucks. My OCBC Ti is mainly used for dining purposes. I average about 600-700 a month alone on dinning for this card. Seems like there is no card to replace it. Will keep this card until my anniversary month.

HLB Wise 10 swipes making it hard for me to achieve the quota. Maybe I will try Mach and dump my other grocery/petrol purchase (when it's not weekend/I've hit my Amex quota) into my AEON for 3%.

This post has been edited by tifosi: Nov 7 2013, 06:24 PM
hkboey
post Nov 7 2013, 06:15 PM

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QUOTE(MGM @ Nov 7 2013, 06:12 PM)
I feel for you. Time to look for alternative.
*
I dont like complicated T&C like the UOB One Card..... sigh...
cfa28
post Nov 7 2013, 06:19 PM

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QUOTE(hkboey @ Nov 7 2013, 06:15 PM)
I dont like complicated T&C like the UOB One Card..... sigh...
*
UOB is actually not complicated, just that they impose caps on each of the Rebate Categories. But I agree its hassle to remember the sub-limits.

Complicate is like RHB, Petrol Rebate is capped to 20% of Retail Spending.
hkboey
post Nov 7 2013, 06:25 PM

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QUOTE(cfa28 @ Nov 7 2013, 06:19 PM)
UOB is actually not complicated, just that they impose caps on each of the Rebate Categories.  But I agree its hassle to remember the sub-limits.

Complicate is like RHB, Petrol Rebate is capped to 20% of Retail Spending.
*
Haha.. remembering all these would get my hair drop even faster. smile.gif Thats why I still prefer MBB2 card the most.
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post Nov 7 2013, 07:08 PM

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QUOTE(edwardccg @ Nov 7 2013, 05:29 PM)
This is not good sad.gif
BTW, any more details on how will they calculate for existing cash rebate?

my next statement cycle will be 19 Nov - 18 Dec.
does this mean the current 5% category from 19 Nov - 28 Nov will entitle 5% but after 29Nov will be 1%?
and also the capped, spending on 19 Nov - 28 Nov will get RM50 max, and unlimited(?) after 29 Nov?

for the 1%, it seems like still not clear.
is it UNLIMITED? 'total spending' got EXCLUDE any kind of spending? (petrol, gov...)
*
I think it could mean "any retail swipe regardless of category" but didn't say if the 1% rebate is still capped at RM 50 max too. I think it'll still mostly be capped at RM 50 max

This post has been edited by David83: Nov 7 2013, 07:10 PM
chongaik82
post Nov 7 2013, 07:10 PM

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Oh no... I still have 14 months left for my installment plan sad.gif
TSronnie
post Nov 7 2013, 07:12 PM

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If only HLB Wise allow 2 more category (from current 3 categories) to select, it will "take over" OCBC Titanium MasterCard
SUSDavid83
post Nov 7 2013, 07:17 PM

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This sucks man! I'll start to divert payments to my Citibank Platinum CB.
chris_xi
post Nov 7 2013, 07:30 PM

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sure it sucks but let's wait for a clearer notice from the bank
fruitie
post Nov 7 2013, 07:33 PM

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QUOTE(chris_xi @ Nov 7 2013, 07:30 PM)
sure it sucks but let's wait for a clearer notice from the bank
*
So far bank has already announced but not on the limit yet, still RM 50 cap or not? hmm.gif

My card's anniversary is next year's May, I'll wait till then since OCBC has already off-set for me because I spent more than RM 10k over one year. sweat.gif
In the mean time, need to look out for replacement.
bearbear
post Nov 7 2013, 07:35 PM

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lol luckily i got more than RM50 rebate else GST also kena tipu.

Byebye OCBC.

Watami here i come
edwardccg
post Nov 7 2013, 07:42 PM

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QUOTE(edwardccg @ Nov 7 2013, 05:29 PM)
This is not good sad.gif
BTW, any more details on how will they calculate for existing cash rebate?

my next statement cycle will be 19 Nov - 18 Dec.
does this mean the current 5% category from 19 Nov - 28 Nov will entitle 5% but after 29Nov will be 1%?
and also the capped, spending on 19 Nov - 28 Nov will get RM50 max, and unlimited(?) after 29 Nov?

for the 1%, it seems like still not clear.
is it UNLIMITED? 'total spending' got EXCLUDE any kind of spending? (petrol, gov...)
*
checked with CS after phone call for my answer

1% will be unlimited for all retail spending
transaction of 5% category from 19 Nov - 28 Nov will entitle 5% but after 29Nov will be 1%
for capping, spending on 19 Nov - 28 Nov will get RM50 max, and unlimited after 29 Nov

i was thinking of watami card, since the 10 times on wise card is hard to achieve. sad.gif
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post Nov 7 2013, 07:43 PM

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Note that watami also required you to spend minimum 3k every quarter to be eligible for 3% rebate.


3% Quarterly Cash Rebate
Enjoy 3% quarterly cash rebate on total retail transactions outside WATAMI with accumulate spend of RM3,000 per quarter. The accumulated spend amount is inclusive of Supplementary Card spending. Rebate is capped at RM150 per quarter and will be credited into the Principal Card account.

This post has been edited by bearbear: Nov 7 2013, 07:43 PM
fly126
post Nov 7 2013, 08:06 PM

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QUOTE(ad c2 @ Nov 7 2013, 03:26 PM)
OCBC already revised Ti CC

No more 5% ->1% from 29 Nov 2013  doh.gif
http://www.ocbc.com.my/assets/pdf/Cards/cr...nnouncement.pdf
*
OMG... ohmy.gif
raul88
post Nov 7 2013, 08:50 PM

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everybody will start cut their ocbc cc
nice
chrono7
post Nov 7 2013, 08:53 PM

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Sigh.....

I already prepared for the worst and indeed it is here.

I am thinking applying MBB for petrol and grocery.

Can't think of a replacement for the auto-debit for bills.

Any good ideas?
MGM
post Nov 7 2013, 09:03 PM

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This Ti card is good for IndahWater, SAJ, MajlisPenbandaran, CukaiTanah as they earn 5% rebates.

Any other card can be used for these and earns 5% rebate?

This post has been edited by MGM: Nov 7 2013, 09:27 PM
bearbear
post Nov 7 2013, 09:07 PM

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darn...nw i need to reauthorize my phone autobilling to m2kard amex
sangaran
post Nov 7 2013, 09:21 PM

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QUOTE(ad c2 @ Nov 7 2013, 03:26 PM)
OCBC already revised Ti CC

No more 5% ->1% from 29 Nov 2013  doh.gif
http://www.ocbc.com.my/assets/pdf/Cards/cr...nnouncement.pdf
*
very gooood! this month is the last month i use the card!!
MGM
post Nov 7 2013, 09:28 PM

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But this card could still be useful esp for promo like the Curve 20% CB for dining.
sj0217
post Nov 7 2013, 09:34 PM

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QUOTE(MGM @ Nov 7 2013, 09:28 PM)
But this card could still be useful esp for promo like the Curve 20% CB for dining.
*
Dining in the curve for this promotion has been ended few month ago
SUSDavid83
post Nov 7 2013, 09:37 PM

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It's only useful for cardholders in Klang Valley; not for other states if such promo is reintroduced.

This post has been edited by David83: Nov 7 2013, 09:37 PM
heliora10
post Nov 7 2013, 09:37 PM

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ok guess i don't have to feel so sad about getting rejected by OCBC for this card haha.
but my gf just got it sleep.gif.

guess we'll apply for UOB One Card
SUSDavid83
post Nov 7 2013, 09:52 PM

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Let's list out alternative that could offer 5% rebate even though there's some restriction:

1. Citibank Cash Back Platinum
2. UOB ONE
3. ...
4. ...
tifosi
post Nov 7 2013, 10:12 PM

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QUOTE(David83 @ Nov 7 2013, 09:52 PM)
Let's list out alternative that could offer 5% rebate even though there's some restriction:

1. Citibank Cash Back Platinum
2. UOB ONE
3. ...
4. ...
*
3. HLB Mach for dining. (Capped at RM 100 per quarter)
mgb
post Nov 7 2013, 10:21 PM

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Really need an alternative card for weekday petrol and bills payment now sad.gif


TSronnie
post Nov 7 2013, 11:16 PM

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QUOTE(MGM @ Nov 7 2013, 09:28 PM)
But this card could still be useful esp for promo like the Curve 20% CB for dining.
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Maybe this was the promo which "killed" the 5% rebate....
TSronnie
post Nov 7 2013, 11:17 PM

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QUOTE(David83 @ Nov 7 2013, 09:52 PM)
Let's list out alternative that could offer 5% rebate even though there's some restriction:

1. Citibank Cash Back Platinum
2. UOB ONE
3. ...
4. ...
*
This would make this topic a bit of rojak
SUSDavid83
post Nov 7 2013, 11:27 PM

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QUOTE(ronnie @ Nov 7 2013, 11:17 PM)
This would make this topic a bit of rojak
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Sorry brother. People is getting upset and at the same, anxious about alternatives out there. notworthy.gif
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post Nov 7 2013, 11:28 PM

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Talk about it in the general CC thread.... or better yet: Do you own research by checking the other CC threads ;-)

This post has been edited by ronnie: Nov 7 2013, 11:29 PM
dmling84
post Nov 7 2013, 11:28 PM

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No more 5%

Time to say Good Bye to OCBC...
TSronnie
post Nov 7 2013, 11:31 PM

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Since my OCBC's GST is due in Sep 2014... I'll hold until Aug 2014 to see if OCBC will "reactivate" the 5% rebate (wishful thinking)
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post Nov 7 2013, 11:32 PM

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QUOTE(ronnie @ Nov 7 2013, 11:31 PM)
Since my OCBC's GST is due in Sep 2014... I'll hold until Aug 2014 to see if OCBC will "reactivate" the 5% rebate (wishful thinking)
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I used it for < 6 months. sweat.gif
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post Nov 7 2013, 11:36 PM

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So far I've "milked" RM2149 from OCBC Titanium's Cash-back (monthly & promotional type) since Sep-2010.

This post has been edited by ronnie: Nov 7 2013, 11:36 PM
victorywp
post Nov 7 2013, 11:40 PM

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good thing i already terminated my auto-debit with ocbc titanium for tm and tnb when i heard the news about ocbc going to terminate the 5%. my decision is correct. so now will pay manually on weekends using mbb2 amex via maybank2u for the bills.
zaFrOoNaLdO
post Nov 7 2013, 11:42 PM

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QUOTE(victorywp @ Nov 7 2013, 11:40 PM)
good thing i already terminated my auto-debit with ocbc titanium for tm and tnb when i heard the news about ocbc going to terminate the 5%. my decision is correct. so now will pay manually on weekends using mbb2 amex via maybank2u for the bills.
*
but i thought even if u do it during weekend, it might not get processed during the weekend... they might process it during weekday and ur extra 5% during weekend cashback is gone?
victorywp
post Nov 7 2013, 11:48 PM

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QUOTE(zaFrOoNaLdO @ Nov 7 2013, 11:42 PM)
but i thought even if u do it during weekend, it might not get processed during the weekend... they might process it during weekday and ur extra 5% during weekend cashback is gone?
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pay the bills using mbb amex via maybank2u should be instant. smile.gif
red_scorpion
post Nov 8 2013, 12:04 AM

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bad news for all the OCBC Tit user...but just keep it as backup card for 1% unlimited cash back...same with HL essential card.
zaFrOoNaLdO
post Nov 8 2013, 12:10 AM

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QUOTE(victorywp @ Nov 7 2013, 11:48 PM)
pay the bills using mbb amex via maybank2u should be instant.  smile.gif
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i guessed u've constantly did it that way and got it? that's awesome news biggrin.gif
victorywp
post Nov 8 2013, 12:18 AM

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QUOTE(zaFrOoNaLdO @ Nov 8 2013, 12:10 AM)
i guessed u've constantly did it that way and got it? that's awesome news biggrin.gif
*
no, even though i know we can do it that way, but i have not done it myself just yet. because all the while i am subscribed to auto-pay with ocbc titanium for both tm and tnb bills (for additional rm2 rebate from tm for using auto-pay service). i just only terminated the auto-pay recently when i heard the news about ocbc going to end their 5% rebate.
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post Nov 8 2013, 12:23 AM

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QUOTE(ronnie @ Nov 7 2013, 11:17 PM)
This would make this topic a bit of rojak
*
no worries, after all the discussions, no one will bother come into this thread anymore laugh.gif

extra work for me, need to change my insurance auto debit again sweat.gif
or maybe no need, since still get 1%, better than M2 Visa, but need to pay GST RM50 hmm.gif
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QUOTE(alexwsk @ Nov 8 2013, 12:23 AM)
extra work for me, need to change my insurance auto debit again  sweat.gif
or maybe no need, since still get 1%, better than M2 Visa, but need to pay GST RM50  hmm.gif
*
your >rm10k insurance amount is good enough to offset the gst. laugh.gif

This post has been edited by victorywp: Nov 8 2013, 12:31 AM
victorywp
post Nov 8 2013, 12:42 AM

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ocbc titanium can't make it to v5... rest in peace in v4... sad.gif

shall ronnie edit the first page with the new updates?
or nobody even bother to come here to look at it anymore?

This post has been edited by victorywp: Nov 8 2013, 12:59 AM
spikey2506
post Nov 8 2013, 12:43 AM

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I learnt one thing from this. Always treat rumours coming out in LYN seriously, especially in CC section. Can't wait to give that cancellation call to them. Goodbye OCBC. sad.gif

This post has been edited by spikey2506: Nov 8 2013, 12:44 AM
alexwsk
post Nov 8 2013, 12:47 AM

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QUOTE(victorywp @ Nov 8 2013, 12:30 AM)
your >rm10k insurance amount is good enough to offset the gst.  laugh.gif
*
too bad mine is not >RM10k, if RM5k @ 1%, what i will earn goes to pay GST, might as well change to M2 Visa yawn.gif
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post Nov 8 2013, 12:52 AM

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I bet this will be the first time ever that OCBC Malaysia will experience a drop in the numbers of their CC holders, and it will be a big drop. For sure this will be discussed in their management meeting and post mortem. Subsequent sweeteners maybe introduced after this, but I doubt any of it will be able to compete with their 5% rebate system
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post Nov 8 2013, 01:15 AM

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Just calculated, I already swiped almost 9K on my OCBC TI since May. Maybe I should just keep it in my wallet for another year since I will get GST waiver anyway next May. Keep it cold and hope that something good comes back.
fruitie
post Nov 8 2013, 01:48 AM

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I'll have until May 2014 before my next GST comes again. Good point. Let's hope OCBC will do something about it.

Though I know it is almost impossible... sad.gif

For the past 18 months of usage, I must say it is one of my best cards ever especially I have quite a number of utilities bills need to be paid.

Heading over to CC Recommendation Thread to get some recommendations for utilities bills rebate. biggrin.gif
vincentxiang
post Nov 8 2013, 01:53 AM

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QUOTE(David83 @ Nov 7 2013, 11:32 PM)
I used it for < 6 months. sweat.gif
*
i just get my 1st month statement cry.gif
SUSDavid83
post Nov 8 2013, 07:02 AM

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QUOTE(victorywp @ Nov 7 2013, 11:48 PM)
pay the bills using mbb amex via maybank2u should be instant.  smile.gif
*
Yes. It's instant. Can confirm that.
edwardccg
post Nov 8 2013, 07:31 AM

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QUOTE(alexwsk @ Nov 8 2013, 12:47 AM)
too bad mine is not >RM10k, if RM5k @ 1%, what i will earn goes to pay GST, might as well change to M2 Visa  yawn.gif
*
i guess the annual usage bonus of rm50 by spending rm10k annually is not drop.
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post Nov 8 2013, 08:21 AM

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i have some auto-debit with tnb and TM on this card.
should i go TNB n TM to cancel my auto-debit first before i cancel my ocbc Ti card?

or just cancel the Ti card will do?

thank you
tbheng
post Nov 8 2013, 08:52 AM

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QUOTE(zaFrOoNaLdO @ Nov 7 2013, 11:42 PM)
but i thought even if u do it during weekend, it might not get processed during the weekend... they might process it during weekday and ur extra 5% during weekend cashback is gone?
*
QUOTE(victorywp @ Nov 7 2013, 11:48 PM)
pay the bills using mbb amex via maybank2u should be instant.  smile.gif
*
QUOTE(David83 @ Nov 8 2013, 07:02 AM)
Yes. It's instant. Can confirm that.
*
Confirm here too. I always do it on Saturday, and transaction date is on the same day, hence 5% and 5xTP. No surprises.
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post Nov 8 2013, 08:52 AM

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QUOTE(pisang @ Nov 8 2013, 08:21 AM)
i have some auto-debit with tnb and TM on this card.
should i go TNB n TM to cancel my auto-debit first before i cancel my ocbc Ti card?

or just cancel the Ti card will do?

thank you
*
You need to notify the service provider first. Otherwise they'll in dark.
tbheng
post Nov 8 2013, 09:01 AM

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QUOTE(red_scorpion @ Nov 8 2013, 12:04 AM)
bad news for all the OCBC Tit user...but just keep it as backup card for 1% unlimited cash back...same with HL essential card.
*
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... sad.gif
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
LoveMeNot
post Nov 8 2013, 09:06 AM

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QUOTE(pisang @ Nov 8 2013, 08:21 AM)
i have some auto-debit with tnb and TM on this card.
should i go TNB n TM to cancel my auto-debit first before i cancel my ocbc Ti card?

or just cancel the Ti card will do?

thank you
*
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.
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post Nov 8 2013, 09:26 AM

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QUOTE(David83 @ Nov 7 2013, 11:27 PM)
Sorry brother. People is getting upset and at the same, anxious about alternatives out there. notworthy.gif
*
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.
Human Nature
post Nov 8 2013, 09:56 AM

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They have not updated the main website yet. So still unsure whether they are retaining the annual bonus feature.
frank76
post Nov 8 2013, 10:28 AM

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QUOTE(Human Nature @ Nov 8 2013, 10:56 AM)
They have not updated the main website yet. So still unsure whether they are retaining the annual bonus feature.
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mine still can wait till July next year, then only see if this card need to be cancel
sad.gif
labtec
post Nov 8 2013, 10:49 AM

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look like i have no more choice but apply for maybank or citibank cash back card
WhitE LighteR
post Nov 8 2013, 11:12 AM

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It say no more Free for Life. Does that mean annual fee waiver with 12 swipe a year is no more too? sad.gif 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?
LoveMeNot
post Nov 8 2013, 11:21 AM

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Already confirm no more 5%?
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post Nov 8 2013, 11:21 AM

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edwardccg
post Nov 8 2013, 12:21 PM

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QUOTE(WhitE LighteR @ Nov 8 2013, 11:12 AM)
It say no more Free for Life. Does that mean annual fee waiver with 12 swipe a year is no more too? sad.gif 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?
*
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? sad.gif

This post has been edited by edwardccg: Nov 8 2013, 12:22 PM
DarReNz
post Nov 8 2013, 12:39 PM

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oh crap need to cancel this card and move the auto debit to maybank card
cfa28
post Nov 8 2013, 01:13 PM

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QUOTE(edwardccg @ Nov 8 2013, 12:21 PM)
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? sad.gif
*
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.
yong417
post Nov 8 2013, 01:22 PM

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QUOTE(cfa28 @ Nov 8 2013, 01:13 PM)
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
cfa28
post Nov 8 2013, 01:35 PM

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QUOTE(yong417 @ Nov 8 2013, 01:22 PM)
my understanding is:
1) the card is annual fee free (no change)
2) no more 5% category, all spending is 1% without capping.
*
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
janson_kaniaz
post Nov 8 2013, 01:45 PM

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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...
iamoracle
post Nov 8 2013, 01:50 PM

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What is the next best alternative cash back card beside M2 Amex?
No point to keep this card anymore. sad.gif
WhitE LighteR
post Nov 8 2013, 04:08 PM

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QUOTE(iamoracle @ Nov 8 2013, 01:50 PM)
What is the next best alternative cash back card beside M2 Amex?
No point to keep this card anymore.  sad.gif
*
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.
OptimusStar
post Nov 8 2013, 04:52 PM

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QUOTE(WhitE LighteR @ Nov 8 2013, 04:08 PM)
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 ?
tAmp0i
post Nov 8 2013, 06:29 PM

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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
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QUOTE(OptimusStar @ Nov 8 2013, 04:52 PM)
MACH dining, does those clubs like MOVIDA, BEER Factory falls under dining ?
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i duno. never tried at those places before. sorry.
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post Nov 8 2013, 07:45 PM

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Time to keep the card inside the drawer since i have installment with the cc.
chemistry101
post Nov 8 2013, 07:57 PM

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The World's Second Strongest Bank has surrendered.
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post Nov 8 2013, 08:17 PM

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I suppose even cutting out the 20% rebate for dining at the curve promo wasn't convincing enough for the management.

Expect a sharp drop over the year as most will still keep until GST anniversary.

This post has been edited by bearbear: Nov 8 2013, 08:18 PM
ad c2
post Nov 8 2013, 09:24 PM

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QUOTE(chemistry101 @ Nov 8 2013, 07:57 PM)
The World's Second Strongest Bank has surrendered.
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I tought their the strongest?
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post Nov 8 2013, 11:41 PM

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How about 3% rebate on great eastern insurance for OCBC GE platinum card? No more??
fruitie
post Nov 9 2013, 12:11 AM

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QUOTE(saitong09 @ Nov 8 2013, 11:41 PM)
How about 3% rebate on great eastern insurance for OCBC GE platinum card? No more??
*
From the way how they put up the table, it seems like this is also removed, nothing about that is mentioned anymore. Even GE Ti will be replaced with GE Plat.

Great Eastern Platinum Card
  • FREE for Life.
  • 1% rebate on total retail spending excluding Auto-IPP. 0.5% rebate for Auto-IPP transaction. Interest Free Automatic Instalment Payment Plan (Auto-IPP) featuring: * 6 months Auto-IPP for Great Eastern / Overseas Assurance Corporation insurance premium of RM1,000 or above in a single transaction via Auto Debit only.
Great Eastern Titanium Card
  • FREE for Life.
  • Great Eastern Titanium Cardmembers will be issued GE Platinum Cards upon expiry as OCBC will discontinue GE Titanium Card. Existing GE Titanium Cardmembers will enjoy the same feature as the Great Eastern Platinum Card.


This post has been edited by fruitie: Nov 9 2013, 12:12 AM
guy3288
post Nov 9 2013, 12:46 AM

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so fast it is ending.........?, that means at most i could milk ocbc only RM650+600 before the 5% ends.

but if later on still can get 1% for retail spend, it is still slightly above the usual card's 0.5%.

NOw best cards left:
1)MBB AMex - RM50 pm + TP
2)Wise 10% -RM100 pm
3)Watami 3% = RM150 every Q.
4) RHB VS - unlimited 5% online till 31.12.2013

Tip: get 2 cards - 1 for self another for wife.

This post has been edited by guy3288: Nov 9 2013, 12:49 AM
timing
post Nov 9 2013, 12:48 AM

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i just get my ocbc titanium card sad.gif
TSronnie
post Nov 9 2013, 12:50 AM

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QUOTE(timing @ Nov 9 2013, 12:48 AM)
i just get my ocbc titanium card sad.gif
*
hahahaha..... too late.
timing
post Nov 9 2013, 12:52 AM

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QUOTE(ronnie @ Nov 9 2013, 12:50 AM)
hahahaha..... too late.
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why they still approve my card since the benefits going to terminate rclxub.gif

btw, for the 1% rebate, still cap at MYR50 per month?

This post has been edited by timing: Nov 9 2013, 12:52 AM
TSronnie
post Nov 9 2013, 12:54 AM

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QUOTE(timing @ Nov 9 2013, 12:52 AM)
why they still approve my card since the benefits going to terminate  rclxub.gif

btw, for the 1% rebate, still cap at MYR50 per month?
*
I don't see why they should stop approving your card... It's just your timing is wrong brows.gif
chemistry101
post Nov 9 2013, 12:55 AM

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QUOTE(timing @ Nov 9 2013, 12:52 AM)
btw, for the 1% rebate, still cap at MYR50 per month?
*
after 29/11/2013, new rebate system will be UNLIMITED 1% cashback.
chemistry101
post Nov 9 2013, 12:57 AM

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QUOTE(ad c2 @ Nov 8 2013, 09:24 PM)
I tought their the strongest?
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Maybe different source/ranking system gua.
pinksapphire
post Nov 9 2013, 01:01 AM

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Hello, guys...this is a sad, sad announcement. What's the point in having this then, sigh...it's my favourite credit card of all time =/

It says here 1% on all retail spending...meaning any type? Things like food and petrol too?

And what's the point in having unlimited 1%, pfftt...time to look for other cards. Which ones are you all looking at, HL Wise?
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QUOTE(chemistry101 @ Nov 9 2013, 12:55 AM)
after 29/11/2013, new rebate system will be UNLIMITED 1% cashback.
*
unlimited 1% is good if big amount payment can be included eg school fees, insurance premium, direct marketing.
zaFrOoNaLdO
post Nov 9 2013, 01:05 AM

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QUOTE(pinksapphire @ Nov 9 2013, 01:01 AM)
Hello, guys...this is a sad, sad announcement. What's the point in having this then, sigh...it's my favourite credit card of all time =/

It says here 1% on all retail spending...meaning any type? Things like food and petrol too?

And what's the point in having unlimited 1%, pfftt...time to look for other cards. Which ones are you all looking at, HL Wise?
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i just applied maybank2 cards last nite at one utama.
guy3288
post Nov 9 2013, 01:07 AM

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do you guys think ocbc will honour its bonus RM50 for GSt for spend of RM10,000 and above as promised last time when we applied for the card?
chemistry101
post Nov 9 2013, 01:51 AM

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QUOTE(guy3288 @ Nov 9 2013, 01:04 AM)
unlimited 1% is good if big  amount payment can be included eg school fees, insurance premium, direct marketing.
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yes, now it's only good for those 1% category, no more good for utility/dining/petrol/groceries/telco.
timing
post Nov 9 2013, 01:54 AM

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QUOTE(guy3288 @ Nov 9 2013, 01:04 AM)
unlimited 1% is good if big  amount payment can be included eg school fees, insurance premium, direct marketing.
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you got da point shocking.gif
vincentxiang
post Nov 9 2013, 08:42 AM

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QUOTE(guy3288 @ Nov 9 2013, 01:04 AM)
unlimited 1% is good if big  amount payment can be included eg school fees, insurance premium, direct marketing.
*
really?!!!! i tot it is still unclear yet as they only just stated 1% cashback for all spending but not mention about the cap in the revision note hmm.gif if it is true, then this card is still good to hold tongue.gif rclxms.gif
chrono7
post Nov 9 2013, 10:23 AM

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guess I use this card just for YES Auto-debit purpose until my anniversary.

MBB Amex can't be used for auto-debit....

Any better suggestion to transfer this auto-debit to which card?
saitong09
post Nov 9 2013, 11:07 AM

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QUOTE(timing @ Nov 9 2013, 12:48 AM)
i just get my ocbc titanium card sad.gif
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Don't miss the last chance of getting 5% rebate before 29nov. smile.gif
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post Nov 9 2013, 11:15 AM

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sad for him.. even if he max, the rebate will just offset the GST
TSronnie
post Nov 9 2013, 11:19 AM

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My Statement Date is 15 Nov 2013.
Does this mean I can maximise the 5% Rebate (RM50) between 15-28 Nov 2013 ?
pisang
post Nov 9 2013, 11:51 AM

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QUOTE(ronnie @ Nov 9 2013, 11:19 AM)
My Statement Date is 15 Nov 2013.
Does this mean I can maximise the 5% Rebate (RM50) between 15-28 Nov 2013 ?
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i have the same concern like Ronnie....
panasonic88
post Nov 9 2013, 11:56 AM

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For cancellation, according to the discussion thread, just call OCBC line 1300 88 5000, right?

Of course before that must clear all your outstanding.

I haven't been using OCBC since last month. Should be able to cancel it right away?
Human Nature
post Nov 9 2013, 12:16 PM

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QUOTE(ronnie @ Nov 9 2013, 11:19 AM)
My Statement Date is 15 Nov 2013.
Does this mean I can maximise the 5% Rebate (RM50) between 15-28 Nov 2013 ?
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Should be, one last 5% hurrah biggrin.gif
edwardccg
post Nov 9 2013, 12:43 PM

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QUOTE(ronnie @ Nov 9 2013, 11:19 AM)
My Statement Date is 15 Nov 2013.
Does this mean I can maximise the 5% Rebate (RM50) between 15-28 Nov 2013 ?
*
my statement date is 18 Nov

have called ocbc this thursday and CS said i still can get 5% rebate of max rm50 between 19-28 Nov (what a short period!)

after 29 Nov transaction will become on 1%, so could have over rm50 rebate on 18 Dec
panasonic88
post Nov 9 2013, 12:55 PM

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QUOTE(panasonic88 @ Nov 9 2013, 11:56 AM)
For cancellation, according to the discussion thread, just call OCBC line 1300 88 5000, right?

Of course before that must clear all your outstanding.

I haven't been using OCBC since last month. Should be able to cancel it right away?
*
Haha replying my own post

Just called up & successfully cancelled the card.

They ask for reason why cancel, just tell them you'd prefer to use cash payment tongue.gif
Human Nature
post Nov 9 2013, 12:57 PM

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QUOTE(panasonic88 @ Nov 9 2013, 12:55 PM)
Haha replying my own post

Just called up & successfully cancelled the card.

They ask for reason why cancel, just tell them you'd prefer to use cash payment tongue.gif
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wow steady..so quick action.
edwardccg
post Nov 9 2013, 12:59 PM

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QUOTE(panasonic88 @ Nov 9 2013, 12:55 PM)
Haha replying my own post

Just called up & successfully cancelled the card.

They ask for reason why cancel, just tell them you'd prefer to use cash payment tongue.gif
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why not tell them because you drop 5%?
panasonic88
post Nov 9 2013, 01:05 PM

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QUOTE(edwardccg @ Nov 9 2013, 12:59 PM)
why not tell them because you drop 5%?
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lol because dont want them to persuade me to keep the card lo.

Am happy with my Amex2card.
edwardccg
post Nov 9 2013, 01:41 PM

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QUOTE(panasonic88 @ Nov 9 2013, 01:05 PM)
lol because dont want them to persuade me to keep the card lo.

Am happy with my Amex2card.
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just tell them no 5% = cancel

want retain = revise back to 5% biggrin.gif
TSronnie
post Nov 9 2013, 01:56 PM

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QUOTE(panasonic88 @ Nov 9 2013, 12:55 PM)
Haha replying my own post

Just called up & successfully cancelled the card.

They ask for reason why cancel, just tell them you'd prefer to use cash payment tongue.gif
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You should told them to REINSTATE the 5%... main reason for cancellation. I would tell them directly.
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post Nov 9 2013, 02:30 PM

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I guess bank have already foresee any circumstance occurs before going to make decision for cash back from 5% reduce to 1%, this is a big change. such as ppl request to be terminated. sad.gif
jutamind
post Nov 9 2013, 02:37 PM

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i have tnb and unifi bills auto debit linked to my titanium card. can i cancel the auto debit by calling CS or need to visit tnb/unifi office?
saitong09
post Nov 9 2013, 03:00 PM

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Just called CS, 3% on great eastern insurance for GE platinum card will be retained. rclxms.gif
fruitie
post Nov 9 2013, 04:32 PM

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Just went for groceries shopping, feel sad that it should be my last time swiping groceries with this card and enjoy 5% rebate. sad.gif
Jason
post Nov 9 2013, 04:42 PM

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And I just linked my card to Celebrity Fitness.. troublesome. Now need to link my AMEX back to it.
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post Nov 9 2013, 08:06 PM

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QUOTE(jutamind @ Nov 9 2013, 02:37 PM)
i have tnb and unifi bills auto debit linked to my titanium card. can i cancel the auto debit by calling CS or need to visit tnb/unifi office?
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For TNB, you have to fill in a cancellation form IIRC.
lamode
post Nov 9 2013, 08:32 PM

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QUOTE(guy3288 @ Nov 9 2013, 01:07 AM)
do you guys think ocbc will honour its bonus RM50 for GSt for spend  of RM10,000 and above as promised last time when we applied for the card?
*
just dropped them a msg about this, cuz prefer to have black and white, lets see what they say.
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post Nov 9 2013, 09:31 PM

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QUOTE(panasonic88 @ Nov 9 2013, 12:55 PM)
Haha replying my own post

Just called up & successfully cancelled the card.

They ask for reason why cancel, just tell them you'd prefer to use cash payment tongue.gif
*
QUOTE(edwardccg @ Nov 9 2013, 01:41 PM)
just tell them no 5% = cancel

want retain = revise back to 5%  biggrin.gif
*
QUOTE(ronnie @ Nov 9 2013, 01:56 PM)
You should told them to REINSTATE the 5%... main reason for cancellation. I would tell them directly.
*
Yes, I would tell them the real reason as well. The bank will do post mortem on reason for attrition.
Though they would already anticipated this, our feedback will be officially registered into their management radar/report/statistic. mad.gif
When they want to fight back to get back cc market share next time they will know what to offer to cc holders.

This post has been edited by tbheng: Nov 9 2013, 09:35 PM
SSblack
post Nov 10 2013, 02:30 AM

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So the 5% cash rebate ends by this month right? ?? so sad need to terminate 2 card in a month, another is scb, planning to shift to wise card to get 100 cash back
fruitie
post Nov 10 2013, 02:32 AM

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QUOTE(SSblack @ Nov 10 2013, 02:30 AM)
So the 5% cash rebate ends by this month right? ?? so sad need to terminate 2 card in a month,  another is scb, planning to shift to wise card to get 100 cash back
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Precisely is until 28th November. 29th November onwards will be removed.
So, spend wisely in the coming 18 days. laugh.gif
chesslover
post Nov 10 2013, 02:22 PM

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Hmm, have been using for 3 mths only rclxub.gif
ntdote
post Nov 10 2013, 02:27 PM

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Just applied for this card few weeks ago, the OCBC personnel never even mention about this rebate discontinued thingy.

Any chance to cancel this card after approval without incurring any charges?>
pakcikpelik
post Nov 10 2013, 03:11 PM

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QUOTE(ntdote @ Nov 10 2013, 02:27 PM)
Just applied for this card few weeks ago, the OCBC personnel never even mention about this rebate discontinued thingy.

Any chance to cancel this card after approval without incurring any charges?>
*
just don't activate and don't swipe the card
just cut and throw the card into rubbish bin
then no need to pay a single cent...not even the rm50 gov tax
Human Nature
post Nov 10 2013, 03:43 PM

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QUOTE(ntdote @ Nov 10 2013, 02:27 PM)
Just applied for this card few weeks ago, the OCBC personnel never even mention about this rebate discontinued thingy.

Any chance to cancel this card after approval without incurring any charges?>
*
Since it is still not approved, call up CS and cancel your application. Make sure you follow up.

QUOTE(pakcikpelik @ Nov 10 2013, 03:11 PM)
just don't activate and don't swipe the card
just cut and throw the card into rubbish bin
then no need to pay a single cent...not even the rm50 gov tax
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Are you sure that the GST is not imposed when the card is not activated?
nothingz
post Nov 10 2013, 04:21 PM

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just confirmed with OCBC CS, if you terminate your card before statement date, those transactions made before the statement date will not get any cash rebate
SUSDavid83
post Nov 10 2013, 07:19 PM

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QUOTE(nothingz @ Nov 10 2013, 04:21 PM)
just confirmed with OCBC CS, if you terminate your card before statement date, those transactions made before the statement date will not get any cash rebate
*
OMG. That's another sucks.

I can keep this card in the drawer after the upcoming statement date on 12th. doh.gif
Human Nature
post Nov 10 2013, 07:27 PM

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QUOTE(David83 @ Nov 10 2013, 07:19 PM)
OMG. That's another sucks.

I can keep this card in the drawer after the upcoming statement date on 12th. doh.gif
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You still can get 5% rebate for 12th-28th purchases. Just don't terminate the card too before getting the rebate
kyle_kl
post Nov 10 2013, 08:51 PM

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Try your best to maximize 5% for RM50 rebate this month laugh.gif

This post has been edited by kyle_kl: Nov 10 2013, 08:51 PM
cempedaklife
post Nov 10 2013, 09:28 PM

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personally, i would like to see this thread being turned into an advisory thread to advise ppl what card to switch to from ocbc titanium laugh.gif

This post has been edited by cempedaklife: Nov 10 2013, 09:28 PM
SUSDavid83
post Nov 10 2013, 09:37 PM

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QUOTE(cempedaklife @ Nov 10 2013, 09:28 PM)
personally, i would like to see this thread being turned into an advisory thread to advise ppl what card to switch to from ocbc titanium  laugh.gif
*
Well, what to do when it lost its shines and stars.

It likes credit rating downgrade: triple AAA to A

This post has been edited by David83: Nov 10 2013, 09:38 PM
TSronnie
post Nov 10 2013, 11:37 PM

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QUOTE(David83 @ Nov 10 2013, 09:37 PM)
Well, what to do when it lost its shines and stars.

It likes credit rating downgrade: triple AAA to A
*
More like A- lah
eric84cool
post Nov 10 2013, 11:38 PM

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gonna cancel this card pretty soon since have signed up WISE card...
timing
post Nov 11 2013, 09:28 AM

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i just get my card, wondering can i cancel the card without any penalty?
sj0217
post Nov 11 2013, 09:35 AM

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QUOTE(timing @ Nov 11 2013, 09:28 AM)
i just get my card, wondering can i cancel the card without any penalty?
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No penalty need to be pay, but you need to pay for GST RM50 once the card has approved
timing
post Nov 11 2013, 10:16 AM

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QUOTE(sj0217 @ Nov 11 2013, 09:35 AM)
No penalty need to be pay, but you need to pay for GST RM50 once the card has approved
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is not fair to me, as they do not mentioned about the 5% cancellation shakehead.gif
epie
post Nov 11 2013, 10:55 AM

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luckily they rejected my application
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post Nov 11 2013, 10:59 AM

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QUOTE(timing @ Nov 11 2013, 10:16 AM)
is not fair to me, as they do not mentioned about the 5% cancellation  shakehead.gif
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From what I understood, the GST is imposed once the card is approved, yes.
But if there is no active transaction done on the card, basically it can be canceled without having to pay the GST.

The same applies for existing card - as long as there is no active transaction on the anniversary month, the GST can be waived if the card is canceled.

You might want to call up the CS and double confirm.
jenli_84
post Nov 11 2013, 11:07 AM

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i applied the card on Feb 2013 (waive the GST for the first time). Been using since then. I was wondering about my GST RM50 next yr Feb 2014. Will i incurr the GST if I did spent > RM10k over the yr with the new terms & condition now.
sailou
post Nov 11 2013, 11:52 AM

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Sounds like an incredibly good news for other competitors such as Wise, Watami and M2U Amex.
The Avengers
post Nov 11 2013, 01:02 PM

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OCBC really doing a suicide for itself
ngchoonghao
post Nov 11 2013, 05:16 PM

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QUOTE(The Avengers @ Nov 11 2013, 01:02 PM)
OCBC really doing a suicide for itself
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same though! vmad.gif
DM3
post Nov 11 2013, 05:57 PM

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damn, after being left out from notifications from this thread for weeks, the 5% gonna end soon sad.gif
Jason
post Nov 11 2013, 06:30 PM

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QUOTE(The Avengers @ Nov 11 2013, 01:02 PM)
OCBC really doing a suicide for itself
*
Or maybe OCBC is dying because everybody is maxing out the 5% rebate and they are making a loss? We wouldn't know for sure. But yup, my OCBC Titanium is going into cold storage next to my SCB cards.
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post Nov 11 2013, 06:50 PM

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QUOTE(timing @ Nov 11 2013, 10:16 AM)
is not fair to me, as they do not mentioned about the 5% cancellation  shakehead.gif
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Call CS to cancel the card. If you are being charged RM 50 GST, go and argue with them that when you sign up, the ONLY reason you want the card is because that you are interested with the 5% rebate. Now since that the 5% is gone, you feel that you are being cheated and want to cancel ASAP. Make sure you don't swipe anything or you have no more ground to argue.
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post Nov 11 2013, 07:21 PM

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QUOTE(Jason @ Nov 11 2013, 06:30 PM)
Or maybe OCBC is dying because everybody is maxing out the 5% rebate and they are making a loss? We wouldn't know for sure. But yup, my OCBC Titanium is going into cold storage next to my SCB cards.
*
They won't die that easily. They used to be the strongest bank in the world. Now is 2nd place I guess!
lamode
post Nov 11 2013, 08:02 PM

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QUOTE(David83 @ Nov 11 2013, 07:21 PM)
They won't die that easily. They used to be the strongest bank in the world. Now is 2nd place I guess!
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It's probably they are losing $$$ in the 5% rebate program, many taikor squeeze to max and pay on time, thats why they cutting the loss now. biggrin.gif
john123x
post Nov 11 2013, 08:05 PM

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i guess good things dont last forever.
Sone Shin
post Nov 11 2013, 09:01 PM

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Beginning 29 November 2013, all benefits and privileges attached to the Credit Cards listed
below will be removed and replaced by the corresponding new features.

Titanium Card FREE for Life. 1% rebate on total retail spending.


Listed below will be removed, does it means remove 5%? flex.gif

I am guessing removing the 1% rebate. unsure.gif

I am a little confuse here.

This post has been edited by Sone Shin: Nov 11 2013, 09:04 PM
The Avengers
post Nov 11 2013, 09:22 PM

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QUOTE(Jason @ Nov 11 2013, 06:30 PM)
Or maybe OCBC is dying because everybody is maxing out the 5% rebate and they are making a loss? We wouldn't know for sure. But yup, my OCBC Titanium is going into cold storage next to my SCB cards.
*
Haha, same story
My SCB card already in fridge, now otw sending OCBC Titanium brows.gif
Human Nature
post Nov 11 2013, 09:24 PM

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QUOTE(Sone Shin @ Nov 11 2013, 09:01 PM)
Beginning 29 November 2013, all benefits and privileges attached to the Credit Cards listed
below will be removed and replaced by the corresponding new features.

Titanium Card  FREE for Life.  1% rebate on total retail spending.
Listed below will be removed, does it means remove 5%?  flex.gif

I am guessing removing the 1% rebate.  unsure.gif

I am a little confuse here.
*
5% will be removed
Sone Shin
post Nov 11 2013, 09:28 PM

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QUOTE(Human Nature @ Nov 11 2013, 09:24 PM)
5% will be removed
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Have to put it in fridge then. sad.gif
The Avengers
post Nov 11 2013, 09:29 PM

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QUOTE(lamode @ Nov 11 2013, 08:02 PM)
It's probably they are losing $$$ in the 5% rebate program, many taikor squeeze to max and pay on time, thats why they cutting the loss now.  biggrin.gif
*
Cash Rebate card not a high earning product for bank, bank charge merchant fee is about 1.5-2%
but instead of cutting 5% rebate, why not just add on 0.5% unlimited rebate to all spending except petrol, dining, groceries and utility bills?
I'm the 1st will switch all my spending to this card, easy for me to manage

I saw some ppl start booming at their FB wall d, hope more ppl will comment there, at least let other card members know about it.
Jason
post Nov 11 2013, 09:41 PM

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QUOTE(David83 @ Nov 11 2013, 07:21 PM)
They won't die that easily. They used to be the strongest bank in the world. Now is 2nd place I guess!
*
Usually products are axed because its loss leading. Banks hope people default so they can charge sky high interest on outstanding balance. I guess people who are smart enough to choose OCBC in the first place and max out RM50 per month won't be stupid at the same time to have outstanding balance.

QUOTE(The Avengers @ Nov 11 2013, 09:22 PM)
Haha, same story
My SCB card already in fridge, now otw sending OCBC Titanium  brows.gif
*
Fridge not cold enough, try the freezer haha icon_idea.gif

QUOTE(Sone Shin @ Nov 11 2013, 09:28 PM)
Have to put it in fridge then.  sad.gif
*
As above, use the freezer! rclxm9.gif

QUOTE(The Avengers @ Nov 11 2013, 09:29 PM)
Cash Rebate card not a high earning product for bank, bank charge merchant fee is about 1.5-2%
but instead of cutting 5% rebate, why not just add on 0.5% unlimited rebate to all spending except petrol, dining, groceries and utility bills?
I'm the 1st will switch all my spending to this card, easy for me to manage

I saw some ppl start booming at their FB wall d, hope more ppl will comment there, at least let other card members know about it.
*
I think its cause the 5% is really significant, especially for petrol. Maybank 2 AMEX is only weekend, too troublesome for most people. OCBC Titanium was a good all-round card.

So who's going over to the UOB One camp? I know I am.
The Avengers
post Nov 11 2013, 10:04 PM

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QUOTE(Jason @ Nov 11 2013, 09:41 PM)
Usually products are axed because its loss leading. Banks hope people default so they can charge sky high interest on outstanding balance. I guess people who are smart enough to choose OCBC in the first place and max out RM50 per month won't be stupid at the same time to have outstanding balance.
Fridge not cold enough, try the freezer haha  icon_idea.gif
As above, use the freezer!  rclxm9.gif
I think its cause the 5% is really significant, especially for petrol. Maybank 2 AMEX is only weekend, too troublesome for most people. OCBC Titanium was a good all-round card.

So who's going over to the UOB One camp? I know I am.
*
Yes, me too rclxm9.gif
cristiano7mu
post Nov 11 2013, 10:32 PM

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anybody cancel the card already? any counter offer by them?

I have Std Chart cc due to their poor service decided to terminate the cc but i was given almost RM200 cash so that I wont terminate it. rclxm9.gif rclxm9.gif
CP88
post Nov 11 2013, 10:41 PM

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QUOTE(cristiano7mu @ Nov 11 2013, 10:32 PM)
anybody cancel the card already? any counter offer by them?

I have Std Chart cc due to their poor service decided to terminate the cc but i was given almost RM200 cash so that I wont terminate it.  rclxm9.gif  rclxm9.gif
*
So nice? How did u manage to persuade the CS? tongue.gif
cristiano7mu
post Nov 11 2013, 10:47 PM

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QUOTE(CP88 @ Nov 11 2013, 10:41 PM)
So nice? How did u manage to persuade the CS?  tongue.gif
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They did some mistake on my payment n charge me interest so complain bout it n said very disappointed n would like to terminate immediately... later on somebody call back ask me not to terminate first as the bank would like to compensate haha. So I got it.

Not sure if we said wanna terminate ocbc immediately they will counter offer or not to retain customers.

This post has been edited by cristiano7mu: Nov 11 2013, 10:49 PM
Human Nature
post Nov 11 2013, 10:55 PM

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QUOTE(cristiano7mu @ Nov 11 2013, 10:47 PM)
They did some mistake on my payment n charge me interest so complain bout it n said very disappointed n would like to terminate immediately... later on somebody call back ask me not to terminate first as the bank would like to compensate haha. So I got it.

Not sure if we said wanna terminate ocbc immediately they will counter offer or not to retain customers.
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One is famous for strict card approval process, one gives free money to get cards sign-up.
victorywp
post Nov 11 2013, 10:57 PM

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QUOTE(CP88 @ Nov 11 2013, 10:41 PM)
So nice? How did u manage to persuade the CS?  tongue.gif
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QUOTE(cristiano7mu @ Nov 11 2013, 10:47 PM)
They did some mistake on my payment n charge me interest so complain bout it n said very disappointed n would like to terminate immediately... later on somebody call back ask me not to terminate first as the bank would like to compensate haha. So I got it.

Not sure if we said wanna terminate ocbc immediately they will counter offer or not to retain customers.
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i thought you seduced the cs... whistling.gif drool.gif
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post Nov 11 2013, 11:00 PM

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QUOTE(Human Nature @ Nov 11 2013, 10:55 PM)
One is famous for strict card approval process, one gives free money to get cards sign-up.
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Which makes the world an all rounder! tongue.gif
Jason
post Nov 11 2013, 11:07 PM

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I believe OCBC is prepared to lose a number of customers when they decide to revamp this. On their current OCBC Product Page it still says 5%

I guess they are banking on the fact that people would be too lazy to change and will continue to use the card since they have it. Especially those who can only have 1 credit card.

Oh well, I personally hope majority of the cardholder cold storage this card. (Yes I'm bitter, lol)

This post has been edited by hye: Nov 12 2013, 02:13 AM
SUSDavid83
post Nov 11 2013, 11:24 PM

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QUOTE(Jason @ Nov 11 2013, 11:07 PM)
I believe OCBC is prepared to lose a number of customers when they decide to revamp this. On their current OCBC Product Page it still says 5%

I guess they are banking on the fact that people would be too lazy to change and will continue to use the card since they have it. Especially those who can only have 1 credit card.

Oh well, I personally hope majority of the cardholder cold storage this card. (Yes I'm bitter, lol)
*
Well, if majority of the cardholder cold storage this card, that means the majority is still keeping the card and there won't a decrease in their cardholder base especially for this card.

I think action speaks the best by cancelling the card to voice the dissatisfaction over discontinuance of the 5% cash rebate.

This post has been edited by hye: Nov 12 2013, 02:13 AM
Jason
post Nov 12 2013, 12:02 AM

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QUOTE(David83 @ Nov 11 2013, 11:24 PM)
Well, if majority of the cardholder cold storage this card, that means the majority is still keeping the card and there won't a decrease in their cardholder base especially for this card.

I think action speaks the best by cancelling the card to voice the dissatisfaction over discontinuance of the 5% cash rebate.
*
I won't do that for 2 reasons.

1. The GST already paid for by OCBC, so I will keep it in case other card no CL or card got problem.
2. In case got F&B offer or discount, like the Curve rebate.

By cold storage the card, I believe OCBC will see a decline in transaction. No need to go as far as cutting it. I've never used my SCB card after getting it, only used once or twice for dining 25% off. When i call to cancel because of GST they waived it for me. LOL.
hkboey
post Nov 12 2013, 12:29 AM

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My card still haven't arrived... haha... im counting down how many days I have to enjoy the rebates. Plus me and my wife each need 3 swipes to get RM50 Gst offset.

Sien........
red_scorpion
post Nov 12 2013, 02:14 AM

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OCBC is smart..
Maybe they found that they cant earn much from old cash back benefit.
As we know, merchants are paying around 1.8% to bank for each swipe, so by giving unlimited 1%, they are earning 0.8% for every swipe.
For old benefit, they are losing 3.2% for some category, and earn back if customer swipe more than 1k (Cap 50/month).
I think they already expect will lost some customer, but they surely calculate and estimate before make this big changes.
Maybe next few months when they compare their Titanium Card earning report with previous 5% benefit, found out that they earn less than that, then their management only will do something. So what we can do now is, after 29-nov, find other replacement card, reduce OCBC card usage, reduce their profit.

This post has been edited by red_scorpion: Nov 12 2013, 02:20 AM
cybpsych
post Nov 12 2013, 07:32 AM

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well, OCBC failed their business case study before introducing Ti with 5% cb biggrin.gif

their financial ppl didnt expect worst case scenario? or their mgmt doesnt like where this Ti card is heading? smile.gif

expect mass churn, or very low activity. we spend less, they earn less.

also, they should've issue a new card (with 1% cb unlimited retail spending) and maintain existing Ti card (5% cb, RM50/mo cap). this way, they can secure existing loyal Ti customer and acquire "new waterfish" customers with 1% cb card.

This post has been edited by cybpsych: Nov 12 2013, 07:33 AM
ethenies
post Nov 12 2013, 08:50 AM

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QUOTE(cybpsych @ Nov 12 2013, 07:32 AM)
well, OCBC failed their business case study before introducing Ti with 5% cb biggrin.gif

their financial ppl didnt expect worst case scenario? or their mgmt doesnt like where this Ti card is heading? smile.gif

expect mass churn, or very low activity. we spend less, they earn less.

also, they should've issue a new card (with 1% cb unlimited retail spending) and maintain existing Ti card (5% cb, RM50/mo cap). this way, they can secure existing loyal Ti customer and acquire "new waterfish" customers with 1% cb card.
*
agree with u. i just got the info on 1% today as i was checking on increasing credit limit in this thread.

they should have maintain 5% for existing customer and issue out a new type of card of 1% rebate.

my credit limit was only RM3k and will never get RM50 rebate in 1% case. lol
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post Nov 12 2013, 09:25 AM

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Guys,
If keep continue using this card, can waive the GST (RM50)?
So far, we just need spend over RM10K per year and then will get auto waive for it, right?

Anyone know what is the new policy?
victorywp
post Nov 12 2013, 09:44 AM

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QUOTE(sam240 @ Nov 12 2013, 09:25 AM)
Guys,
If keep continue using this card, can waive the GST (RM50)?
So far, we just need spend over RM10K per year and then will get auto waive for it, right?

Anyone know what is the new policy?
*
the term waive should only be used for annual fee but not for gst. annual fee is charged by the bank and the bank can waive it for you because it is within their boundary. however, there is no waiver for gst because it is charged by the government not bank. and so it is against the law for a bank to waive cc gst. the correct term should be the bank absorb the gst for you if you spend over rm10k in a year (meaning that the bank pays the gst on your behalf). icon_rolleyes.gif
sam240
post Nov 12 2013, 09:46 AM

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QUOTE(victorywp @ Nov 12 2013, 09:44 AM)
the term waive should only be used for annual fee but not for gst. annual fee is charged by the bank and the bank can waive it for you because it is within their boundary. however, there is no waiver for gst because it is charged by the government not bank. and so it is against the law for a bank to waive cc gst. the correct term should be the bank absorb the gst for you if you spend over rm10k in a year (meaning that the bank pays the gst on your behalf).  icon_rolleyes.gif
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Yeah, you're right. Sorry...so if not spend over RM10k, bank will not absorb the gst for me blush.gif
victorywp
post Nov 12 2013, 10:58 AM

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QUOTE(sam240 @ Nov 12 2013, 09:46 AM)
Yeah, you're right. Sorry...so if not spend over RM10k, bank will not absorb the gst for me  blush.gif
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the best way to achieve rm10k using this card (which starting to offer only 1% cash back) is to pay for your insurance (those insurance that don't accept amex). my annual insurance is more than rm10k already (currently subscribed to autopay with different cc). so i plan to shift all to this card. biggrin.gif
victorywp
post Nov 12 2013, 11:34 AM

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QUOTE(red_scorpion @ Nov 12 2013, 02:14 AM)
OCBC is smart..
Maybe they found that they cant earn much from old cash back benefit.
As we know, merchants are paying around 1.8% to bank for each swipe, so by giving unlimited 1%, they are earning 0.8% for every swipe.
For old benefit, they are losing 3.2% for some category, and earn back if customer swipe more than 1k (Cap 50/month).
I think they already expect will lost some customer, but they surely calculate and estimate before make this big changes.
Maybe next few months when they compare their Titanium Card earning report with previous 5% benefit, found out that they earn less than that, then their management only will do something. So what we can do now is, after 29-nov, find other replacement card, reduce OCBC card usage, reduce their profit.
*
if you assume merchants are paying around 1.8% to bank for each swipe, yes, it is in the normal acceptable range of merchant fees.

however, if you assume ocbc is earning 0.8% after giving 1% rebate, no, because the 1.8% fees is shared between merchant's bank (acquiring bank), customer's bank (issuing bank) and the network (visa/mastercard/amex/etc).

which means, if the merchant machine is from mbb, your cc is from ocbc, and the network is mastercard, so the 1.8% is shared between mbb, ocbc, and mastercard. if ocbc gives you 1% out of their share, it is still equals that ocbc is not in profit or almost not in profit. they are still counting on charging the customers with interest on outstanding balance, late payment fees, and others. brows.gif
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post Nov 12 2013, 11:38 AM

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QUOTE(victorywp @ Nov 12 2013, 11:34 AM)
if you assume merchants are paying around 1.8% to bank for each swipe, yes, it is in the normal acceptable range of merchant fees.

however, if you assume ocbc is earning 0.8% after giving 1% rebate, no, because the 1.8% fees is shared between merchant's bank (acquiring bank), customer's bank (issuing bank) and the network (visa/mastercard/amex/etc).

which means, if the merchant machine is from mbb, your cc is from ocbc, and the network is mastercard, so the 1.8% is shared between mbb, ocbc, and mastercard. if ocbc gives you 1% out of their share, it is still equals that ocbc is not in profit or almost not in profit. they are still counting on charging the customers with interest on outstanding balance, late payment fees, and others.  brows.gif
*
I believe that the 1.80% is the net net after sharing with Acquiring Bank and Mastercard. The rate charged ranges around 2.50% gross. So, if its an OCBC Terminal that u swipe the Titanium, OCBC will get higher than 1.80%
Zer0 c00L
post Nov 12 2013, 11:50 AM

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i suspect in the aftermath of this new policy, UOB will be the biggest beneficiary as IMHO the One card is as close as it gets.

However for utilities, there isn't really a better card even at 1% is there?
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post Nov 12 2013, 12:02 PM

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QUOTE(Zer0 c00L @ Nov 12 2013, 11:50 AM)
i suspect in the aftermath of this new policy, UOB will be the biggest beneficiary as IMHO the One card is as close as it gets.

However for utilities, there isn't really a better card even at 1% is there?
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HLB Wise card (Water and Electricity only at 10%)?
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post Nov 12 2013, 12:38 PM

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QUOTE(Zer0 c00L @ Nov 12 2013, 11:50 AM)
i suspect in the aftermath of this new policy, UOB will be the biggest beneficiary as IMHO the One card is as close as it gets.

However for utilities, there isn't really a better card even at 1% is there?
*
hlb wise card, mbb2cards, uob one card, citibank cashback platinum card are the biggest beneficiaries now...
kuai_chai
post Nov 12 2013, 12:57 PM

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but hlb wise card u need to spend 10xrm50 per month to get the 10% cash back per month if im not mistaken...
Zer0 c00L
post Nov 12 2013, 02:19 PM

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yup, of those cards, the wise card needs minimum amounts of spending, the mbb2cards only on weekends, the cashback platinum only credits the cash back upon reaching the cashback limit.

Seems like the almighty Titanium can never ever be eclipsed
The Avengers
post Nov 12 2013, 02:42 PM

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I'm just wondering about HLB Wise Card, if the annual fee cannot waive, Gold card rm160 Plat card rm300 would be a issue
lamode
post Nov 12 2013, 02:44 PM

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QUOTE(The Avengers @ Nov 12 2013, 02:42 PM)
I'm just wondering about HLB Wise Card, if the annual fee cannot waive, Gold card rm160 Plat card rm300 would be a issue
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use for 1 year and the cut lo...
MGM
post Nov 12 2013, 03:06 PM

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-deleted due to new police in the neighbourhood.

This post has been edited by MGM: Nov 12 2013, 03:32 PM
victorywp
post Nov 12 2013, 03:18 PM

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sign0006.gif please discuss this at proper thread. tongue.gif
edwardccg
post Nov 12 2013, 03:44 PM

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from ocbc CS yesterday, they still not sure the annual usage bonus will still be a retain feature or not. they say will be announce during 29 Nov
lamode
post Nov 12 2013, 04:05 PM

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QUOTE(edwardccg @ Nov 12 2013, 03:44 PM)
from ocbc CS yesterday, they still not sure the annual usage bonus will still be a retain feature or not. they say will be announce during 29 Nov
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maybe thats why i still haven't heard back from the msg i sent them. hmm.gif
candidman78
post Nov 12 2013, 04:06 PM

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Announcement is out...I think many will change cards...

www.ocbc.com.my/assets/pdf/Cards/creditcard_announcement.pdf
LoveMeNot
post Nov 12 2013, 04:52 PM

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aih. just got this card in July 2013. There goes my RM50 GST since I'm not planning to use it anymore. It's time to switch to my UOB once again
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post Nov 12 2013, 05:16 PM

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if u use 5k and above, the will levy the GST RM25. if 10k and above=RM50 levy.
hooi1983
post Nov 12 2013, 06:28 PM

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pay for insurance & medical expenses also can get 1% rebate is it?
if yes then i convert my HLB Essential to Wise, then this card keep for Insurance and Medical Expenses.
Human Nature
post Nov 12 2013, 06:57 PM

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QUOTE(yorkhan @ Nov 12 2013, 05:16 PM)
if u use 5k and above, the will levy the GST RM25. if 10k and above=RM50 levy.
*
where you get this from?

QUOTE(hooi1983 @ Nov 12 2013, 06:28 PM)
pay for insurance & medical expenses also can get 1% rebate is it?
if yes then i convert my HLB Essential to Wise, then this card keep for Insurance and Medical Expenses.
*
Been using this card for 1% insurance all this while

This post has been edited by Human Nature: Nov 12 2013, 06:58 PM
OptimusStar
post Nov 12 2013, 06:59 PM

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After comparing most cards, i think i going to keep this card. The 1% rebate and GST offset plus no annual fee still beats most of the cards out there.
janson_kaniaz
post Nov 12 2013, 07:57 PM

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just spent RM200 on bills after my latest statement bill!!!

RM800 to go till 29th!
bingozero
post Nov 12 2013, 08:01 PM

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Just paymore to my maxis,celcom bill and topup my mom hp as well to fulfill the RM50 rebate.
fly126
post Nov 12 2013, 08:02 PM

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QUOTE(andyyaosmurf @ Nov 12 2013, 07:58 PM)
I heard that titanium card will waive the annual fees, but i m holding now platinium card, do i hv to pay annual fees in future? If i want to upgrade to titanium card do u think worth it. By now i think my annual income had reach 36k already
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Pls Refer to: https://forum.lowyat.net/topic/3004019/+260 Ronnie's Post #274 More On Annual Fee
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post Nov 12 2013, 08:15 PM

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QUOTE(janson_kaniaz @ Nov 12 2013, 07:57 PM)
just spent RM200 on bills after my latest statement bill!!!

RM800 to go till 29th!
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For me I would stop on 26Nov just in case.
Dupey
post Nov 12 2013, 09:01 PM

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sorry if this question has been asked before.
how to appeal to get the OCBC Titanium Mastercard?
as the bank requirement salary is RM36k annually. my basic salary not exceeding this amount. but my net salary does. I applied before and bank rejected my application. so now thinking wanna appeal to get the card. I saw an example of letter in the 1st post. to whom I can send the letter? what other documents that needed to be attached?
thanks
SUSDavid83
post Nov 12 2013, 09:02 PM

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For non-petrol, bills payment & groceries, this card still good as it offers 1% rebate over 0.3% on Citibank CBP and UOB ONE.
SUSPink Spider
post Nov 12 2013, 09:07 PM

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QUOTE(David83 @ Nov 12 2013, 09:02 PM)
For non-petrol, bills payment & groceries, this card still good as it offers 1% rebate over 0.3% on Citibank CBP and UOB ONE.
*
Why cry.gif

Gonna use UOB ONE for petrol, groceries and telco bills. Everything else, OCBC Titan sad.gif
SUSDavid83
post Nov 12 2013, 09:12 PM

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QUOTE(Pink Spider @ Nov 12 2013, 09:07 PM)
Why cry.gif

Gonna use UOB ONE for petrol, groceries and telco bills. Everything else, OCBC Titan sad.gif
*
At least for dining in KL, this card could still offer something good (if the Curve promo thing does come back) but not at Penang.

This post has been edited by David83: Nov 12 2013, 09:15 PM
alexwsk
post Nov 12 2013, 09:19 PM

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QUOTE(Dupey @ Nov 12 2013, 09:01 PM)
sorry if this question has been asked before.
how to appeal to get the OCBC Titanium Mastercard?
as the bank requirement salary is RM36k annually. my basic salary not exceeding this amount. but my net salary does. I applied before and bank rejected my application. so now thinking wanna appeal to get the card. I saw an example of letter in the 1st post. to whom I can send the letter?  what other documents that needed to be attached?
thanks
*
pretty much useless card now, u sure u wanna appeal?
just give the customer service a call to appeal
jutamind
post Nov 12 2013, 09:23 PM

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If I apply supplementary card, need to pay GST for this supp card?
SUSDavid83
post Nov 12 2013, 09:23 PM

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QUOTE(jutamind @ Nov 12 2013, 09:23 PM)
If I apply supplementary card, need to pay GST for this supp card?
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RM 25
zr125
post Nov 12 2013, 10:11 PM

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QUOTE(bingozero @ Nov 12 2013, 08:01 PM)
Just paymore to my maxis,celcom bill and topup my mom hp as well to fulfill the RM50 rebate.
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We can pay in advance for next month too?
jutamind
post Nov 12 2013, 10:14 PM

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if i buy home appliances from hypermarkets, will i get 5% rebates or 1%?
victorywp
post Nov 12 2013, 10:17 PM

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QUOTE(jutamind @ Nov 12 2013, 10:14 PM)
if i buy home appliances from hypermarkets, will i get 5% rebates or 1%?
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5%
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QUOTE(zr125 @ Nov 12 2013, 10:11 PM)
We can pay in advance for next month too?
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yes, if you want to maximise your rebate capacity. rclxms.gif
Human Nature
post Nov 12 2013, 11:04 PM

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QUOTE(jutamind @ Nov 12 2013, 10:14 PM)
if i buy home appliances from hypermarkets, will i get 5% rebates or 1%?
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do note that the 5% is only until 29th nov, and check 1st page to see whether your hypermart is in the 5% or 1% list
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post Nov 12 2013, 11:10 PM

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thinking to make upfront payment with my Digi bill, the latest bill for last month has been paid through OCBC, so I can pay for the next month bill right even the bill has not come out yet??
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post Nov 12 2013, 11:11 PM

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QUOTE(sj0217 @ Nov 12 2013, 11:10 PM)
thinking to make upfront payment with my Digi bill, the latest bill for last month has been paid through OCBC, so I can pay for the next month bill right even the bill has not come out yet??
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can...
noien
post Nov 12 2013, 11:16 PM

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QUOTE(David83 @ Nov 12 2013, 09:02 PM)
For non-petrol, bills payment & groceries, this card still good as it offers 1% rebate over 0.3% on Citibank CBP and UOB ONE.
*
means the others rebate still 1%?
as in the T&C, the 1% rebate is only for retail outlet
hkboey
post Nov 13 2013, 12:53 AM

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Applied TMC on 24th n card was approved on 6th Nov. Then 7th Nov they revised the rebate rate cry.gif Today finally received the card. Surprised to find out they are in fact quite generous on CL.
Human Nature
post Nov 13 2013, 12:58 AM

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QUOTE(hkboey @ Nov 13 2013, 12:53 AM)
Applied TMC on 24th n card was approved on 6th Nov. Then 7th Nov they revised the rebate rate cry.gif Today finally received the card. Surprised to find out they are in fact quite generous on CL.
*
higher CL means you can spend more for the unlimited 1% yo tongue.gif
hkboey
post Nov 13 2013, 01:13 AM

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QUOTE(Human Nature @ Nov 13 2013, 12:58 AM)
higher CL means you can spend more for the unlimited 1% yo  tongue.gif
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But first card still mbb2 amex(7%/2%), if dont accept amex then only TMC(1%), online transaction will go to RHB VS (5%). TMC CL is 2.5 times my mbb2 though.
crusher
post Nov 13 2013, 09:05 AM

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QUOTE(Human Nature @ Nov 13 2013, 12:58 AM)
higher CL means you can spend more for the unlimited 1% yo  tongue.gif
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how to request for higher CL? brows.gif
victorywp
post Nov 13 2013, 09:17 AM

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QUOTE(crusher @ Nov 13 2013, 09:05 AM)
how to request for higher CL?  brows.gif
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usually one can only request for higher cl after 6 months of using the cc.
if you have any increment of your pay/salary within the 6 months, just submit and apply for higher cl.
otherwise you may also just call to ask for cl increase.
they may give you higher if you did utilised your current cl and have a good payment record.
LoveMeNot
post Nov 13 2013, 09:20 AM

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QUOTE(David83 @ Nov 12 2013, 09:02 PM)
For non-petrol, bills payment & groceries, this card still good as it offers 1% rebate over 0.3% on Citibank CBP and UOB ONE.
*
I thought it's "2% Cash Rebate for AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant" for UOB ONE? Unless not stated here it's 0.3%
1234_4321
post Nov 13 2013, 09:25 AM

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found out on latest statement,purchasing from jusco wamgsa maju entitled 5,% cashback.. previously only entitled 1%
victorywp
post Nov 13 2013, 09:39 AM

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QUOTE(LoveMeNot @ Nov 13 2013, 09:20 AM)
I thought it's "2% Cash Rebate for AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant" for UOB ONE? Unless not stated here it's 0.3%
*
he meant ocbc titanium is good for all other transactions (other than petrol/groceries/bills) as it offers 1% over 0.3% (citibank cash back platinum and uob one card) nod.gif
LoveMeNot
post Nov 13 2013, 09:47 AM

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QUOTE(victorywp @ Nov 13 2013, 09:39 AM)
he meant ocbc titanium is good for all other transactions (other than petrol/groceries/bills) as it offers 1% over 0.3% (citibank cash back platinum and uob one card)  nod.gif
*
But if you read his sentence carefully (maybe I got it wrongly), he says

" For non-petrol, bills payment & groceries, this card (OCBC Titanium) still good as it offers 1% rebate over 0.3%" (citibank cash back platinum and uob one card).

OCBC Titanium 1% over all this?


GROCERIES: 2% Cash Rebate for AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant
BILLS: 2% Cash Rebate for major mobile service providers AND 0.3% for OTHERS

Correct me if I'm wrong.
edwardccg
post Nov 13 2013, 09:57 AM

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QUOTE(LoveMeNot @ Nov 13 2013, 09:47 AM)
But if you read his sentence carefully (maybe I got it wrongly), he says

" For non-petrol, bills payment & groceries, this card (OCBC Titanium) still good as it offers 1% rebate over 0.3%" (citibank cash back platinum and uob one card).

OCBC Titanium 1% over all this?
GROCERIES: 2% Cash Rebate for AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant
BILLS: 2% Cash Rebate for major mobile service providers  AND 0.3% for OTHERS

Correct me if I'm wrong.
*
the sentence actually should be non-(petrol, bills payment & groceries) biggrin.gif

This post has been edited by edwardccg: Nov 13 2013, 09:57 AM
victorywp
post Nov 13 2013, 09:59 AM

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QUOTE(LoveMeNot @ Nov 13 2013, 09:47 AM)
But if you read his sentence carefully (maybe I got it wrongly), he says

" For non-petrol, bills payment & groceries, this card (OCBC Titanium) still good as it offers 1% rebate over 0.3%" (citibank cash back platinum and uob one card).

OCBC Titanium 1% over all this?
GROCERIES: 2% Cash Rebate for AEON Big, Tesco, Cold Storage, Jaya Grocer and Giant
BILLS: 2% Cash Rebate for major mobile service providers  AND 0.3% for OTHERS

Correct me if I'm wrong.
*
yes, you are right, i understand what you mean.
there is something wrong with his sentence. biggrin.gif

but somehow i just understand what he meant. rolleyes.gif
i supposed he meant for non-petrol, non-bills payment, non-groceries, this card (OCBC Titanium) still good as it offers 1% rebate over 0.3%" (citibank cash back platinum and uob one card).
maybe he just put one non at the front but is for all these 3 items (petrol, bills, groceries). laugh.gif
LoveMeNot
post Nov 13 2013, 10:04 AM

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QUOTE(edwardccg @ Nov 13 2013, 09:57 AM)
the sentence actually should be non-(petrol, bills payment & groceries) biggrin.gif
*
QUOTE(victorywp @ Nov 13 2013, 09:59 AM)
yes, you are right, i understand what you mean.
there is something wrong with his sentence.  biggrin.gif

but somehow i just understand what he meant.  rolleyes.gif
i supposed he meant for non-petrol, non-bills payment, non-groceries, this card (OCBC Titanium) still good as it offers 1% rebate over 0.3%" (citibank cash back platinum and uob one card).
maybe he just put one non at the front but is for all these 3 items (petrol, bills, groceries).  laugh.gif
*
Right.. Then yeah it makes sense. I just don't want to assume. Thanks alot! 1% is definitely is better than 0.3%
victorywp
post Nov 13 2013, 10:12 AM

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QUOTE(LoveMeNot @ Nov 13 2013, 10:04 AM)
Right.. Then yeah it makes sense. I just don't want to assume. Thanks alot! 1% is definitely is better than 0.3%
*
yes, you are right. we should not just assume this is what he meant. perhaps David83 should come to explain by himself to clear things up. icon_rolleyes.gif
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post Nov 13 2013, 10:33 AM

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victorywp sounds like smsbusiness2u in some sense. Chasing after Post Counts ?
shortleg88
post Nov 13 2013, 10:37 AM

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Seems like OCBC is getting desperate, been receiving 2 calls in 1 day.

1 is for call for cash with 5% annual interest and BT offer for 2%, while another is some insurance package.

Told them not interested and planning to cancel the card since they adjusted the rebate.
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post Nov 13 2013, 10:44 AM

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Guys, I apologize over my confusing statement on the "non" thingy!
shortleg88
post Nov 13 2013, 11:00 AM

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QUOTE(andyyaosmurf @ Nov 13 2013, 10:41 AM)
But i heard that the new rebate system look attractive for me, i means the titanium card. Because 1% unlimited cap for kind of category worr.. plus annual fees is waive also.
better than Citibank Plantinium Rewards Card, or WISE... because you need to have so many procedure in order to change the category!
*
I will just keep the card since my GST was paid (by the bank) on Aug, so I will keep it till next year Aug at least. 1% will be good for those place that don't accept Amex or insurance only. Even then I got other card to utilise
jasmineh2y
post Nov 13 2013, 11:20 AM

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i'd like to change the statement date/ payment date from 1st to 15th.
Anyone has any idea ?
crusher
post Nov 13 2013, 11:57 AM

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yo guys,

let's say my billing date is 12th of every month, and the new rebate thing is implementing on 29th nov onwards. So on next month 12th, my rebate will be 1% or 5%?

thanks yo smile.gif
edwardccg
post Nov 13 2013, 12:07 PM

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QUOTE(crusher @ Nov 13 2013, 11:57 AM)
yo guys,

let's say my billing date is 12th of every month, and the new rebate thing is implementing on 29th nov onwards. So on next month 12th, my rebate will be 1% or 5%?

thanks yo smile.gif
*
you will get your 5% (cap at rm50) when you swipe between 13th - 28th Nov, if you swipe 29th Nov - 12 Dec then get 1% unlimited.

so still can get your last 5% from 13th Nov - 28th Nov biggrin.gif

my cycle is 18th. so i only have 10 days, 19th Nov - 28th Nov to swipe for 5% sad.gif


QUOTE(jasmineh2y @ Nov 13 2013, 11:20 AM)
i'd like to change the statement date/ payment date from 1st to 15th.
Anyone has any idea ?
*
just called CS to made the change, they have some date to choose from

This post has been edited by edwardccg: Nov 13 2013, 12:10 PM
victorywp
post Nov 13 2013, 12:12 PM

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QUOTE(ronnie @ Nov 13 2013, 10:33 AM)
victorywp sounds like smsbusiness2u in some sense. Chasing after Post Counts ?
*
QUOTE(smsbusiness2u @ Nov 13 2013, 10:57 AM)
what kind of lousy thread owner that only know to complaint other but he did the same
*
let me guess! bcs both of us are selling hotlink reloads! LOL! laugh.gif

sorry, post counts doesn't mean anything to me. tongue.gif
i'm just interested in sharing cc information/experience and having warm interaction with all lyn members. wink.gif
i also like to clear things up so that all lyn members (old/new) could be in good terms with each other. thumbup.gif

sometimes i feel that we don't have to be too sarcastic or too strict in our reply to each another. shakehead.gif
when one has some noob/repeated questions, we don't have to give sarcastic reply to them, but with simple explanation will do. nod.gif
when one has gone off-topic, we don't have to give a harsh warning to them, but with friendly reminder will do. icon_rolleyes.gif
we are all credit cards owners or owner-to be > meaning that we are all adults who know how to think smart > to save money through credit cards rebates. cool2.gif

i'm just a normal person who have been using many types of cc since more than 10 years ago and would like to share information and experience with each other here. smile.gif
but at the same time, i'm also just a newbie here in lyn. i just joined lyn recently as i don't know there is such a place like lyn to share all these, so i'm sorry, bcs i'm not familiar with the culture here. sad.gif
dreammin
post Nov 13 2013, 12:21 PM

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Just curious, how did you all find out about the ocbc titanium taking away their cashback benefits? I do not see the info anywhere on the site: http://www.ocbc.com.my/personal-banking/Cards/index.html

Also it's stated: For everyday savings 5% rebate on dining, groceries, petrol & utility bills

Was it different previously?

ps. I'm NOT OCBC titanium cc user.
HJebat
post Nov 13 2013, 12:27 PM

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QUOTE(jasmineh2y @ Nov 13 2013, 11:20 AM)
i'd like to change the statement date/ payment date from 1st to 15th.
Anyone has any idea ?
*
Your OCBC TMC's statement date is on 1st of every month? I requested for my statement date to be change to 1st, but the CS told me that there's no statement date that falls on 1st for me to choose from.

These are the dates available for me to choose : 6, 7, 8, 10, 11, 12, 14, 15, 18, 21 & 23.

If it is possible to get my statement on the 1st, I'd like to change mine to 1st as well.
cristiano7mu
post Nov 13 2013, 12:28 PM

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QUOTE(dreammin @ Nov 13 2013, 12:21 PM)
Just curious, how did you all find out about the ocbc titanium taking away their cashback benefits? I do not see the info anywhere on the site: http://www.ocbc.com.my/personal-banking/Cards/index.html

Also it's stated: For everyday savings 5% rebate on dining, groceries, petrol & utility bills

Was it different previously?

ps. I'm NOT OCBC titanium cc user.
*
see page 14.


http://www.ocbc.com.my/personal-banking/Ca...cards_more_info
click the first link > Revision to OCBC Credit Card Features, Fees & Charges
dreammin
post Nov 13 2013, 12:36 PM

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QUOTE(cristiano7mu @ Nov 13 2013, 12:28 PM)
see page 14.
http://www.ocbc.com.my/personal-banking/Ca...cards_more_info
click the first link > Revision to OCBC Credit Card Features, Fees & Charges
*
hmmm their wording of their revision and changes are confusing. they should list the existing benefits and the new ones side-by-side.
but yea i guess maybe no more 5% cashback.
thanks for the info..! nod.gif
cdspins
post Nov 13 2013, 12:39 PM

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Only utilize the card not more than 3 months.... need to hunt for better cards. Besides Maybank2 cards any other recommendation for cash back CC?
crusher
post Nov 13 2013, 01:09 PM

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QUOTE(edwardccg @ Nov 13 2013, 12:07 PM)
you will get your 5% (cap at rm50) when you swipe between 13th - 28th Nov, if you swipe 29th Nov - 12 Dec then get 1% unlimited.

so still can get your last 5% from 13th Nov - 28th Nov  biggrin.gif

my cycle is 18th. so i only have 10 days, 19th Nov - 28th Nov to swipe for 5%  sad.gif
just called CS to made the change, they have some date to choose from
*
meaning whatever usage I use from 13th nov to 28th nov will be 5% but cap at RM50 and after that its 1% unlimited right?

then at the end of the billing follow cap RM50 or still unlimited? sweat.gif
cdspins
post Nov 13 2013, 01:12 PM

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QUOTE(crusher @ Nov 13 2013, 01:09 PM)
meaning whatever usage I use from 13th nov to 28th nov will be 5% but cap at RM50 and after that its 1% unlimited right?

then at the end of the billing follow cap RM50 or still unlimited?  sweat.gif
*
Unlimited? I don't think so, I think it is still capped
crusher
post Nov 13 2013, 01:16 PM

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QUOTE(cdspins @ Nov 13 2013, 01:12 PM)
Unlimited? I don't think so, I think it is still capped
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that's why im confused, that my billing stuck in half. i believe there are others like me too. smile.gif
jasmineh2y
post Nov 13 2013, 01:40 PM

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as i know cash back is capped in RM50 per month... i tot that is included the 5% and 1% as well..
edwardccg
post Nov 13 2013, 01:47 PM

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QUOTE(crusher @ Nov 13 2013, 01:09 PM)
meaning whatever usage I use from 13th nov to 28th nov will be 5% but cap at RM50 and after that its 1% unlimited right?

then at the end of the billing follow cap RM50 or still unlimited?  sweat.gif
*
last time CS answer me that transaction after 29 Nov will be unlimited on 1%. so the statement in the end could have over rm50 rebate. if you worry, just stop using after you reach rm50. i will cancel the card on next last 5% rebate rm50 anyway

https://forum.lowyat.net/topic/3004019/+222

This post has been edited by edwardccg: Nov 13 2013, 01:48 PM
crusher
post Nov 13 2013, 02:01 PM

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QUOTE(edwardccg @ Nov 13 2013, 01:47 PM)
last time CS answer me that transaction after 29 Nov will be unlimited on 1%. so the statement in the end could have over rm50 rebate. if you worry, just stop using after you reach rm50. i will cancel the card on next last 5% rebate rm50 anyway

https://forum.lowyat.net/topic/3004019/+222
*
so at the end of the bill have more than RM50 rebate then. Am I right? biggrin.gif
edwardccg
post Nov 13 2013, 02:09 PM

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QUOTE(smsbusiness2u @ Nov 13 2013, 01:50 PM)
no hurt to keep the cc until next annual year come. cos it might have  other campaign or promotion.
or u can still use this cc if u have hit the cap at other cc.
*
bad things is i could not hold 3 CC as my income is less than 36k. have to cancel 1 so that i could apply another replacement card.

QUOTE(crusher @ Nov 13 2013, 02:01 PM)
so at the end of the bill have more than RM50 rebate then. Am I right?  biggrin.gif
*
according to the CS, is yes. if you worry, just stop when you reach rm50. next cycle only enjoy the unlimited.
DM3
post Nov 13 2013, 02:16 PM

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Any dining places/restaurants that sell vouchers?
hkboey
post Nov 13 2013, 02:36 PM

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QUOTE(victorywp @ Nov 13 2013, 12:12 PM)
sometimes i feel that we don't have to be too sarcastic or too strict in our reply to each another.  shakehead.gif
when one has some noob/repeated questions, we don't have to give sarcastic reply to them, but with simple explanation will do.  nod.gif
when one has gone off-topic, we don't have to give a harsh warning to them, but with friendly reminder will do.  icon_rolleyes.gif
we are all credit cards owners or owner-to be > meaning that we are all adults who know how to think smart > to save money through credit cards rebates.  cool2.gif
+1
SUSendau02
post Nov 13 2013, 02:40 PM

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QUOTE(peri peri @ Oct 25 2013, 09:02 AM)
if OCBC titan discontinue, next best card combo with mbb2 will be HLB wise card
*
wise card need to spend ALOT.
MGM
post Nov 13 2013, 03:08 PM

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QUOTE(endau02 @ Nov 13 2013, 02:40 PM)
wise card need to spend ALOT.
*
Minimum spend rm50x10 = rm500 to get rebate of rm50.
lamode
post Nov 13 2013, 04:06 PM

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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.

edit: another guy3288 found one diff calculation from CS @ https://forum.lowyat.net/index.php?showtopi...post&p=64529023

Post #496

This post has been edited by lamode: Nov 14 2013, 09:26 AM
lamode
post Nov 13 2013, 04:21 PM

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QUOTE(smsbusiness2u @ Nov 13 2013, 04:13 PM)
it make more complicated....
*
good news is the RM50 usage bonus for 10k spending to offset GST is still there.
lamode
post Nov 13 2013, 04:27 PM

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QUOTE(smsbusiness2u @ Nov 13 2013, 04:25 PM)
but, it is no stated any where in website
*
but it also doesn't say going to remove ma...
anyhow, i requested an email for it and feel free to call CS if u want to cross check. smile.gif
1234_4321
post Nov 13 2013, 05:13 PM

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Ops, this morning i was still happy with my 5% rebate from jusco wangsa maju.
And now only i know the 5% rebate is going to end soon.

Ish...
Is time to Survey for a new credit card ...
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post Nov 13 2013, 05:34 PM

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QUOTE(cristiano7mu @ Nov 13 2013, 12:28 PM)
see page 14.
http://www.ocbc.com.my/personal-banking/Ca...cards_more_info
click the first link > Revision to OCBC Credit Card Features, Fees & Charges
*
QUOTE(dreammin @ Nov 13 2013, 12:36 PM)
hmmm their wording of their revision and changes are confusing. they should list the existing benefits and the new ones side-by-side.
but yea i guess maybe no more 5% cashback.
thanks for the info..!  nod.gif
*
OMG. I just got the card and this is what OCBC gives me mad.gif
Zer0 c00L
post Nov 13 2013, 05:38 PM

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still gonna keep it since GST is paid for anyway, 1% unlimited for big purchases ain't too bad either
Human Nature
post Nov 13 2013, 05:55 PM

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QUOTE(lamode @ Nov 13 2013, 04:27 PM)
but it also doesn't say going to remove ma...
anyhow, i requested an email for it and feel free to call CS if u want to cross check.  smile.gif
*
thanks for the effort. do share with us once you received anything in black and white.
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
*
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?
*
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
*
It's not user friendly and I had to take several rounds of login to familiar with it.
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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.
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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.
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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
crusher
post Nov 14 2013, 08:57 AM

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QUOTE(guy3288 @ Nov 14 2013, 08:52 AM)
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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Actually I got the same information from their customer service hotline. forgot to ask who is the operator, so yeah. it's going to be RM50 + 1% unlimited that you spend.
lamode
post Nov 14 2013, 09:24 AM

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QUOTE(guy3288 @ Nov 14 2013, 08:52 AM)
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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interesting...
perhaps i shall reconfirm on that.

i will edit my previous post to highlight this. nod.gif
tifosi
post Nov 14 2013, 09:32 AM

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Maybe someone should just email OCBC so we have black & white proof of it. Safer that way.
wan7075
post Nov 14 2013, 10:06 AM

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i remembered that i saw the message in this thread but i can't find it anymore

swipe >10k, waive GST RM50
swipe >12 times, waive Annual Fees.

Do I right?
phantasm0110
post Nov 14 2013, 10:07 AM

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what? only got my card last month due to the 5% cash back and now they say will take out the 5% and replace it with 1%?

any other card which is good in cash back? thinking of changing it
janson_kaniaz
post Nov 14 2013, 10:46 AM

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QUOTE(guy3288 @ Nov 14 2013, 08:52 AM)
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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thanks for the info, this sounds more logical to me.
ngchoonghao
post Nov 14 2013, 10:54 AM

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QUOTE(wan7075 @ Nov 14 2013, 10:06 AM)
i remembered that i saw the message in this thread but i can't find it anymore

swipe >10k, waive GST RM50
swipe >12 times, waive Annual Fees.

Do I right?
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swipe >10k, waive GST RM50 --> correct!
swipe >12 times, waive Annual Fees. --> start from 28 Nov, it will be free for life
edwardccg
post Nov 14 2013, 11:20 AM

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QUOTE(smsbusiness2u @ Nov 14 2013, 11:08 AM)
swipe >10k, waive GST RM50 --> correct!

This 1 seems no sure after 29 Nov 2013
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although no black and white, but is more possible correct already.

since few member including me have the CS answered about annual usage bonus is not revise, will keep current condition.

it just few more weeks to know the answer

This post has been edited by edwardccg: Nov 14 2013, 11:20 AM
munkeyflo
post Nov 14 2013, 11:37 AM

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QUOTE(phantasm0110 @ Nov 14 2013, 10:07 AM)
what? only got my card last month due to the 5% cash back and now they say will take out the 5% and replace it with 1%?

any other card which is good in cash back? thinking of changing it
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Same here. sad.gif
But since they already gave RM50 rebate for their GST so will keep it for the next few months.
wan7075
post Nov 14 2013, 11:38 AM

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thanks to smsbusiness2u and edwardccg.
edwardccg
post Nov 14 2013, 01:35 PM

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QUOTE(smsbusiness2u @ Nov 14 2013, 11:24 AM)
you will reach annual in next few weeks? if no, how can know the answer?
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next few weeks refer to the date of 29 Nov. they should have black and white on their website already
lamode
post Nov 14 2013, 02:27 PM

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QUOTE(edwardccg @ Nov 14 2013, 11:20 AM)
although no black and white, but is more possible correct already.

since few member including me have the CS answered about annual usage bonus is not revise, will keep current condition.

it just few more weeks to know the answer
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I just received the email confirming still intact.
lamode
post Nov 14 2013, 02:30 PM

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QUOTE(smsbusiness2u @ Nov 14 2013, 02:28 PM)
can u share the email?
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hm.. okay.

CODE
With reference to your enquiry, please be informed that effective 29 November 2013, we will be launching the new features of the OCBC Master Card Titanium.

Please be informed that for the Government Service Tax (GST) of RM50, an annual usage bonus will credited upon fulfilling accumulated spending of RM10,000 for the past 1 year.

Human Nature
post Nov 14 2013, 05:36 PM

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I just checked that I have fulfilled the 10k usage condition although my anniversary is on April. Will be changing my insurance auto-debit to Aeon watami and put this card on cold storage until April 2015.
notok
post Nov 14 2013, 05:49 PM

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wait until this Nov 29 for the new features before making any decision. My guess is probably they might limit 2 categories of cash back for user to choose only.

This post has been edited by notok: Nov 14 2013, 05:51 PM
mgb
post Nov 15 2013, 09:10 AM

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Is there an option of receiving paperless cc statement?
crusher
post Nov 15 2013, 09:14 AM

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QUOTE(mgb @ Nov 15 2013, 09:10 AM)
Is there an option of receiving paperless cc statement?
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i think you have to check yourself through online banking
laymank
post Nov 15 2013, 09:19 AM

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QUOTE(crusher @ Nov 15 2013, 09:14 AM)
i think you have to check yourself through online banking
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no luck for me, though.
If you found the way, please share.
WhitE LighteR
post Nov 15 2013, 09:32 AM

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QUOTE(laymank @ Nov 15 2013, 09:19 AM)
no luck for me, though.
If you found the way, please share.
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there is no paperless option for ocbc.. still old school chinaman company....
Jason
post Nov 15 2013, 01:02 PM

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QUOTE(melonlicious @ Nov 15 2013, 12:08 PM)
from 5% to 1% but it really depends how you use the card for, IMHO main card go for other banks that has good cash back or rewards to maximize the points then if those dan lainlain then just use this card to swipe since its auto-rebate. Better check thoroughly what's the T&C because we all know very well for sure there's T&C
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If you spend RM1k a month, no reason to use this card at all because AEON Watami Card gives 3% for everything except petrol.
If you spend less than RM1k a month better use UOB One card cause I'm sure everybody needs to pump petrol.

OCBC Titanium 1% is on total "retail" spending, I'm not sure if it includes petrol or not.
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