bro, post so important news and go M1A how can?

Where did u hear this from, if this case, no point keeping.

Might as well charge to any other CC (save for Alliance), also got 0.40% in cash vouchers

there will be no more RM50 Government Service Tax on CC after 1 April 2015

There will be a 6% Goods and Service Tax to be imposed on the Annual Fee charged by Banks

But Titanum got to Annual Fee - no worries

But the STUP1D RM50 Government Service will not be refunded on prorata basis

March 2014 or 2015

All my cards expiring in dec 2014 also got the stupid RM50 Govt Service Tax

But if its on 1 April 2015, its not suppose to have anymore

Saw it in one of the Custom GST FAQ and in a GST Seminar that I attended

have to wait and see.

Our govt has never paid attention to details.

So many things in GST is not certain, if bank waive AF, can the GST be deemed not need to pay?

Watami has more T&C

- Min spend of RM3k per Quarter and capped at RM5K per Quarter
- Exclude Petrol (save for Last Sunday at 5%)

OCBC Retail only exclude things like

- Interest Charged
- Penalty Charged

which is same for all other CC

But Watami BT got 0.40% CB

yes, but if you use Watami - can get 3% if you meet the T&C

But OCBC is good for big purchases or when u exceed quota for Watami

still got when i clicked 1 min ago

http://ocbc.com.my/personal-banking/Cards/..._TitaniumMaster

Ai Yoh, even OCBC Worldmastecard also cannot apply now

Just got my SMS.

Fork me. Every year I swipe so much.

So which is the best replacement card.

I swipe on average 2k++ per mth and RM15K per year for Insurance Plan


Maybank for insurance is only 2x reward points.

Is essential the best. Suddenly they also revise down.

Now pray AEON Watami don't revise downward

Wonder will their World Card waive the annual fees

This post has been edited by cfa28: Apr 8 2015, 01:20 PM

Maybe applying 2 Great Eastern Card is better for the family.

Each card spend RM1K per mth.

Apply HLB Essential for bulk purchase

Yes, I already called and you must have either GE or OAC policy before you can apply for this co brand credit card

Just send OCBC a complaints letter.

Extract of my complain letter.

= =
The latest revision of the benefits to just 0.1% Cash Back on local retail spending from previous 1% is indeed very disappointing and tantamount to insulting the intelligence of your customers who would still spend using this Titanium Card for local retail spending.  
 
What is more disappointing is that we have been informed by other cardholders’ who have called your Customer Line that OCBC does have a replacement Card to offer called the OCBC 365 which offers 1% Cash Back for First RM1,000 spend and 0.5% Cash Back thereafter.  Your OCBC website states that the OCBC 365 comes with First Year Annual Fee waived for the First Year with subsequent year being charged an Annual Fee of RM100.

However, Titanium Cardholders who called your Customer Service have been informed that the Annual Fee waiver is only for New Customers and existing OCBC Titanium customers will be charged RM100 annual fee on activation of the OCBC 365 card. 
 
This clearly shows that OCBC DOES NOT appreciate its existing Titanium cardholders and is asking them to take their business elsewhere. It is market practice that Credit Card companies always waive the Annual Fee for the first year; if OCBC Titanium cardholders apply from any of your competitors, the Annual Fee for the first year would be waived.
 
Is this how OCBC rewards its existing Titanium cardholders? OCBC should offer the OCBC 365 to current Titanium cardholders and waive the Annual Fee for life.

==

Anyone managed to obtain annual fee waiver for the HLB essential.

Hope HLB does not change their benefits cos Charles Sik previously from OCBC is now with HLB.
 

Bro, what card are you referring to

I think for titanium, other local retail spend after 1 may is only 0.1% cash back

AEON watami gives 3% cash back every quarter subject to:

a) min spend of RM 3K per quarter; and

b) capped at Max spend of RM5k per quarter

If u can't spend 3k per quarter, forget about watami. You get ZERO cash back. Just reward points.

Better of with OCBC, 1% for first 1k per mth.

Sorry to hear what happened to you but it is unlikely for the bank to believe you, unless you have very strong evidence such as Court Orders from China or at least the proof that the culprits have been arrested and charge in court for extortion against you.

Banks have heard many stories from borrowers who do not want to pay, so at back of their head, you are trying to avoid paying for some impusive pirchase

Can only convert if you have GE or OAC policy.

If i am not midtaken, First RM1K gets 1% and subsequent is 0.5%.

The extra benefit compared to the OCBC 365 is that the GE card has no Annual Fee.

Other than Essential Card, other cards with CB are

a) Aeon Watami - 3% CB every quarter subject to min spent of 3k and capped at 5k

b) Hong Leong Wise - 10% CB capped at RM100 but need 10x usage and only for selected categories

c) Maybank 2 Cards - 5% CB on weekends when u use Amex. Cap at RM50

d) Hong Leong Fortune - also gives 1% CB cap at RM50 But gives annual usage bonus

38k or more - RM280

68K or more - RM880

108k or more - RM1,800

This post has been edited by cfa28: Apr 16 2015, 12:09 PM

Yes bro, scroll back. Have been discussion on this for past 5 pages


After 1 may, 1% CB only for overseas and online transaction.

Local retail is 0.1% cash back only.

An existing card cannot be terminated just cos you apply for another card unless your salary is below 3k and you are only eligible for 2 cards.

You have to call in and cancel the previous titanium card.