use this card since dec'13... overally quite satisfied and it is worth even ask me to pay the annual fee.

but question cross my mind when i went to recent MBB treat points fair, spend with 2cards on weekend entitle to 5% rebate and 5x treat points... with wise no points but 10% rebate... sometimes is really depends how you want to spend, i feel that the treat points quite syok when doing shopping at the fair...

Fyi (as i see many queries on the requirement), i just submitted EPF statement and got the cards... combo WISE and GSC card with free pensonic thermo flask promo... ohya, she asked me what card did i have... once i mentioned OCBC titanium, she said i confirm can get this card... not sure why thou hmmm

for you guys knowledge, fresh grad with around 2.8-3k income...
no house/study/car loan stand higher chance with those ppl with a lot of loan and cards... even u earn 6-7k/mth

hahaha... i have credit cards... the maybank 2 cards and ocbc titanium cards..

right after the titanium cards rebate fixed at 1% on all expenses, only i get the wise card