so you've got about rm400 cash back, if you used mbb2 cards would get 200k points equivalent to rm 800 vouchers

This post has been edited by DarReNz: Nov 6 2014, 01:39 PM

only if those merchants also accept amex...

Shud be rm800 only

This is a dying credit card, hopefully can get aeon watami soon then bye bye OCBC

But ronnie has already cancelled his OCBC Titanium... and it's not the Flash Deal

Anyone can tell me whether OCBC Titanium card got any AF and GST waiver? Couldnt find it on first post.

And what is the difference between Titanium card with Mastercard Blue/Pink? Thanks!

This post has been edited by akh2920: Nov 6 2014, 11:43 AM

for the 1st time yes.
AF is free for life
GST waive if u spend more than 40k.but still their TnC

blue and pink has no diff. just that flash deal will get extra 10% if use pink

Wow, that means the pink card could be a better card than titanium card? And blue is literally equal to titanium? Or actually blue and pink is under titanium? Ayam confused

By the way, what is flash deal? One-day special deals?

This post has been edited by akh2920: Nov 6 2014, 02:54 PM

basically yes. but now flash deal no longer active...

Dilemma nih... guy use pink very wierd leh, but then blue have no extra 10% thingy...

By the way, I am actually confused by this two types of cards...

http://www.ocbc.com.my/personal-banking/Ca..._TitaniumMaster

http://www.ocbc.com.my/personal-banking/Ca..._BluePinkMaster

What is the difference? One is titanium pink/blue (60k annual income), one is pink/blue (24k annual income), but both got 1% rebate

This post has been edited by akh2920: Nov 6 2014, 03:08 PM

but what is the reason that u apply for ocbc card? to utilize the 1% cash back?

Unlimited 1% cash back regardless of category. Means it could be an ideal card for swiping big sums of spendings (such as buy gadgets, flight ticket, car service, karaoke etc). Summore no cap...

My ideal cash back combo is: WISE (10%) -> MBB2 Amex (5%) -> OCBC Titanium (1%) (-> means if not applicable for cashback/already reached cap limit then use the following card) I've owned WISE and MBB2 Amex, currently using UOB's 0.3% (also no cap no category limit) as the third card, wish to use OCBC to replace it.

Or any suggestions of better combos?

This post has been edited by akh2920: Nov 6 2014, 04:10 PM

AEON Watami Visa Card

Thanks for sharing. Just went to website check it out, 3% quarterly rebate, but minimum spend 3k per quarter (aka 1k per month)? A bit too much for a tertiary card A good card though~

how much u wish to get for the OCBC, as UOB gst can be waive but OCBC cant unless u spend a lot.

wise and amex already worth for me.
but i prefer amex more as the points is tempting

True also hor! After calculate, I can predict a minimum of almost-confirmed spending of RM5k in one year with this tertiary card, but then the cash back was like ngam ngam cover the gst only Over-estimated my spending before this...

Would reconsider again then, either applying OCBC Titanium or keeping UOB ONE. Thanks for your reminder!

maybe u can consider aeon watami
3% cash back per quarter with min 3k per quarter

My main concern is the RM3k per quarter (aka 12k per year) minimum spend, very hard to hit la for tertiary card

But if always got go watami eat then different story

Always pay using credit-card for every transaction you made.
Insurance, Petrol, Utilities Bill etc.

This post has been edited by Without: Nov 6 2014, 05:28 PM

I use it to pay for my dotter's education insurance... 4500/qtr... so every qtr i do some misc charge for rm500.. ngam ngam RM5000... just nice to cap off the RM150 cash back..