your just started using the card ?

Did you call them to try and waive it? How much you spent last year?

Titanium. The one that has blue and pink. They revised. Only online transaction still get 1% other retails get 0.5%

Terminate if this is your first card.
Keep it if your spending average a month > rm4000.
1st card to have, MBB's dual card for the first rm1000.
2nd card, HLB's STUPID card that cover the 2nd rm1000, good for petro, mobile and groceries.
3rd card, Aeon's Watami.
4th card will be this OCBC.

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.
 

Aeon's Watami cash back are given once every 3 months. Do read the T&C.
MBB's dual card is the least restrictions card to earn cash back. Swipe on weekends using its AMEX will be getting 5% of cash back, rm50 max a month. So first rm1000 is for your utilities bill(TM, TNB) and dining.
AMEX are not widely accepted, so have to try & error.
If you are a family man, you can use STUPID card for groceries and another 1 category that can fit your usage, cap it at rm1000 max a month since it has no benefit at all.

Yes. I considering also to cancel it already.

yes. only swiping get 0.1%

I use this card for online transactions and balance transfer only.

I think they want to turn this card into an 'online' card

Why not consider Hong Leong Essential 1% unlimited?

whats your major usage?

Utilities and groceries?

if you able to swipe minimum 10 times (min rm50) a month on groceries and utilites, then you can go for HLB WISE. 10% rebate, annual fee rm160 a year, cashback cap rm100 per month.

UOB ONE won't be a good alternative if you're planning to use it a lot for petrol. Details refer to UOB ONE thread.

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

I'd been using this cc for more than 1 year, happy with the 1% unlimited cashback feature, and I even been given a free Samsung S4 from OCBC last year Nov-Dec. But after revision of their cash back rate, I limited my OCBC usage to only online transaction and oversea expenses.
Always check your statement because, they 'tend to' calculate using the wrong rate. Supposed I get 1% for my expenses in May (all online and oversea expenses), however they only gave me 0.1% rebate. I had to call the CS and addressed this issue, then after few working days only they re-issued me the remaining 0.9% to my unbilled statement. =.=

did auto debit consider online transaction 1%?i have auto debit insurance for this card, but not sure is 1% or 0.1%

from last statement, I think auto debit not consider as 1% online txn rebate category as my cash back is just around rm1 but my insurance debits are rm400 , if 1% at least will get rm4...