since u talk about 29 nov, see below

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maybe mbb want to sapu all titanium holders   

Last time, I keep sign up for 5% cashback, now 1%. Don't know it is there any visa or master card better than 1% cashback for all spending for RM1000 user?

hahaha.. cant think of anything worth it to do with that money? mybe to invest somewhere which gives higher return?

You mean 3% per month/per annum? If flat rate 3% per annum... I think it is still worth.

Why still want to swipe (give business) on OCBC's Titanium since their cashback reduction from 5% down to only 1% rebate? Even the 1% is unlimited, but it's still low at 1% only compared with its previously higher 5% rebate!

Even with the previously amended minimum income requirement down to 24K from 36K initially, it is definitely not a worth credit card to swipe to give business for OCBC since they're so stingy and calculative by reducing the cashback down to 1% only! What even more to say now as they're so super-stupidly increased the minimum income requirement to 60K per annum? Maybe their marketing department were filled with all dumb and backward-thinking human being?

With its minimum income requirement getting ups and downs like share prices, how could-able this card labelled as higher class type, when it easily can be applied with 24K per annum previously? Same scenario to OCBC WMC(with RM388 un-waiveable annual fee) that had changed its minimum income requirement to 100K from 60K previously, as the ups and downs like share prices here showed they even don't know where's the exact class that they're deserved to stand properly!

Therefore, OCBC cards definitely a Big-No-Favorite credit card to hold nowadays.

Seems like what you spend using OCBC is around 1k per month, which you can consider watami cc, 3% for min RM3k spending per quarter.

me leaning towards WATAMI than MAYBANK2CARD AMEX to replace OCBC.

Bulk of your OCBC spending are on Utilities/Multimedia/Insurance. If using mbb2card amex, the bills you can pay is TNB and TMNET (online bill payment via M2U). The rest either not accept AMEX or thru counter (e.g. ASTRO).

your OCBC average cashback is RM11/mo, so that translate to spending of RM1.1k/mo. if you can swipe ~RM1.1k/mo using WATAMI, 3% of ~RM3.3k/quarter gives you ~RM99 cashback (or ~RM33/mo)

Less the hassle paying the bills, less hunting for AMEX acceptance by merchants; WATAMI serves better for you. 

Take AEON Watami, 3% CB every quarter subject to min cumulative spending of RM3K per quarter and capped at RM5K per quarter.