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

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

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.

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.

OMG! I got to go revise all my articles that have reference to the OCBC TMC if that is the case

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

I just published a brief review of the once again revamped OCBC Titanium MasterCard.

In my opinion, the OCBC TMC is a pretty good Entry Level Card for those who need it for emergency cases only since it is FREE FOR LIFE

Click here to read my review of the OCBC Titanium MasterCard - Once Again Revamped.

The OCBC TMC with RM24K annual income requirement is great for those unable to qualify for the MBB 2 Cards and need a card for occasional usage. For petrol, like I mentioned, there are better options.

If one has MBB2 Cards, I don't think they be bothered with OCBC TMC - that is if they spend less than RM10K per year with their MBB 2 Visa or MasterCard.

And if one does spend RM3K to RM5K per month, Alliance credit cards are better compared to the OCBC TMC at places that do not accept AMEX.

However, for big spenders (more than RM10K per month) who needs Visa or MasterCard, then the 1% offered with the OCBC TMC is pretty good at places that do not accept AMEX. Then again, for big spenders, they should be able to qualify for other better cards. OCBC WMC does offer 1.2% cash back but the annual fee is high and not even FREE if one is an OCBC Premier Banking customer.

OT, but I guess I will answer your question here.

If you had read my article Visa Infinite - Allaince Bank vs Maybank vs UOB Bank, the Alliance Bank VI is FREE with Privilege Banking.

As to your question is there other ways waive the expensive Maybank VI annual fee, I don't know since I have been getting auto annual fee waiver for the last 2 years.

However, the MBB, Alliance and UOB Visa infinites are only good for converting to Enrich Miles because their overseas admin fees are high ranging between 3% to 4% as Visa International since few months back increased their conversion rates.

If you don't really spend much on overseas transactions to get reward points to redeem for Enrich Miles enough for you to get a Business Class ticket - click here to read my article Enrich Miles Sales Is Fantastic for Maybank Visa Infinite 5X Treats Points, I suggest you click here to Pin Thread on Overseas Transactions where many of us report and compare different cards conversion rate. Cards like OCBC and AEON have reported to have low overseas conversion rate.

Like you, I spend about RM1K per month only previously and I also received the upgrade offer where the first year annual fee is waived plus RM50 rebate.

To ALL:

I just published a freaking long article where I did a comparison between OCBC Titanium MasterCard versus OCBC "fake" World MssterCard. And the OCBC Titanium MasterCard beat the heck out of the OCBC WMC.

Like I said, it's a freaking long article and in the article I touched on many subjects which may not interest most of you. But if you really got time to waste, click the link below and find out why we should just stick with our OCBC TMC instead of getting the OCBC WMC:

AGAIN - A Little Bit of This and A Little Bit of That.

This post has been edited by Gen-X: Dec 16 2013, 09:30 AM

Thank you bro for the the info on how one can maximize cash back with AEON Watami and Titanium Combo.

In my article Effective Cash Back of Credit Cards, I have shown that with RM5K/month spending, one can earn up RM1,033.60 per year in total equivalent cash back after deducting RM50 GST with the Alliance Bank Plat. So the effective cash back from Alliance Bank with RM5K/month spending works out to be approximately RM86 after deducting GST versus RM83 for the AEON Watami and OCBC TMC Combo you mentioned above which has yet to deduct RM100 GST.

This post has been edited by Gen-X: Dec 17 2013, 02:49 PM

Yah Bro, I also check out briefly the AEON Watami only today and YES, I noted it is a hybrid like MBB 2 AMEX where it also earn the cardholder reward points and cash back

I am planning as a Christmas present to my readers, I am thinking of analyzing and comparing how to maximize cash back for different spending pattern for those who spend less than RM5K/month.

Deleted by mistake

This post has been edited by Gen-X: Dec 23 2013, 11:42 AM

Bro, it is true that you are the first one to highlight the AEON Watami, and I did credit members of LYN which therefore includes you

And guess what, I never once click the AEON Thread until today! Seriously, if not for bearbear who highlighted to me about his overseas transaction only recently, and cfa28 that the AEON Watami and OCBC TMC combo versus Alliance Plat, I wouldn't have been bothered with a non-commercial bank credit card.


Bro, you got it wrong, by not getting the extra RM60 in cash back, you are actually richer by RM2K every quarter

This post has been edited by Gen-X: Dec 19 2013, 01:38 AM

Well, it was you who highlighted to me about lower overseas transaction without teaching me that there is AEON credit card and then there is the AEON Watami, hahaha. Blur lah I That is why we need images, haha

This post has been edited by Gen-X: Dec 19 2013, 10:26 AM

Human Nature, cfa28, MeToo,virgoguy and asiatrader98

Guys, I just published my article on Cash Back Credit Cards for spending between RM1K/month and up to RM7K/month spending. And DarReNz, you'll be happy to note that I have fulfilled your Christmas wish too by preparing the comparison table based on RM500 increments.


Click here to receive my Christmas/New Year gift to all my readers, The Best Cash Back Credit Cards - How To Earn Money From The Right Credit Cards.



This post has been edited by Gen-X: Dec 23 2013, 11:48 AM

Yes Bro, since August 2013, MBB TP valid 3 years only.

Thank you Bros for reading it.

And ronnie you are right and it shows you do read in detail After I published my article I went to KLCC for some shopping and on the way there I realized it should br BHPetrol, I really blur mentioned Caltex I just got back and revised the tables. Any more mistakes?

Bro, thank you for providing the link to my previous HSBC article which was published in 2012. And in the article I mentioned that the benefit differs from 2011. But if one read this article and then read HSBC latest T&C, they can go work out the effective cash back rate themselves.

The thing is, like I mentioned in my Christmas gift to you guys -The Best Cash Back Credit Cards - How To Earn Money From The Right Credit Cards, always read the T&C of HSBC Product.

Well, this year 2013, the T&C is different again from 2012 for the HSBC Amanah to earn the 8%. And like I said, HSBC card benefits are limited time promo and if one applied the card in December 2013, he/she will be pissed off come 1st January 2014.

I guess most don't read HSBC T&C- This year promo start sometime in March 2013 and ends 31 December 2013. Therefore, effective 1st January 2014, there is no 5% or 8% cash back until HSBC announces their new promo again, and based on past history, usually the new promo comes out in March for the HSBC Visa Signature and MPower Plat.

Anyway, if one thinks he is getting effective 8% cash back from HSBC credit card in 2011, 2012 and 2013, I guess they need to go take my FREE Credit Card Tutorial Course, hahahaha.

This post has been edited by Gen-X: Dec 24 2013, 04:24 PM