not forgetting the UOB one card.

But still every single one of those alternatives comes with terms attached, the titanium is still pretty good for large transaction amounts on transactions that don't fall into specific categories ie: insurance premium, big purchases, down payment, booking etc.

1% isn't that all bad.

alot of them are calling into their hotline now esp in credit card department.

bear in mind guys, the fees charges stated as below.

No annual fee for the first year

Principal card: RM388 per annum

Supplementary card: RM188 per annum

There is no Annual Fee anymore on the Titanium card, however they've also lifted the spend rm10k and rebate Government tax rm50 portion

Just checked with OCBC call centre myself.

For OCBC Titanium card
- Confirmed that AF will be free for life.
- No waiving of GST or RM50 rebate annually, regardless how much you spend per year

For World Mastercard
- RM 388 AF for second year onwards since first year is waived
- AF and GST can't be waived, regardless how much you spent annually.
- With 0.2%, one has to spend RM194,000 just to get back rebate of RM 388 to cover the AF.

Summary: Better to stick with OCBC Titanium card if you are a die hard OCBC fan. There's plenty of equivalent CC around the market with unlimited 1% rebate, not to mention with evergreen point system no?

Logged in to my account today to view my statement dated 12th Dec and saw that I received Rm49.xx CB for the old CB calculation before 29th Nov and Rm6.xx for the new unlimited 1% CB.
Received the same letter of upgrade to World MasterCard for 1.2% CB but only first year annual fee waiver. Do you think it is worth to pay next year annual fee just for 0.2% extra CB ?

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

without petrol transactions, i think maybank card win it.

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.

well this will be the 3rd best card after amex & wise card however you would need to spend another 2k to achieve the rm 150 otherwise it's just rm 90 so it's good for the big spenders if you have maximized your other 2 cards

Wtf? What kind of insurance you buy ? RM 1,600 per month ?

Human Nature, cfa28, MeToo,virgoguy and asiatrader98

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