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Credit Cards OCBC Titanium MasterCard Cash-Back v5, Unlimited 1% cashback only

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akh2920
post Nov 6 2014, 11:40 AM

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

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
akh2920
post Nov 6 2014, 02:48 PM

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QUOTE(noien @ Nov 6 2014, 02:26 PM)
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
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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 rclxub.gif cry.gif

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

This post has been edited by akh2920: Nov 6 2014, 02:54 PM
akh2920
post Nov 6 2014, 03:08 PM

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QUOTE(victorywp @ Nov 6 2014, 03:04 PM)
basically yes. but now flash deal no longer active... sad.gif
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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 rclxub.gif

This post has been edited by akh2920: Nov 6 2014, 03:08 PM
akh2920
post Nov 6 2014, 04:06 PM

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QUOTE(noien @ Nov 6 2014, 03:56 PM)
but what is the reason that u apply for ocbc card? to utilize the 1% cash back?
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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%) drool.gif (-> 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? brows.gif

This post has been edited by akh2920: Nov 6 2014, 04:10 PM
akh2920
post Nov 6 2014, 04:25 PM

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QUOTE(Devil4life @ Nov 6 2014, 04:18 PM)
AEON Watami Visa Card
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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 sweat.gif A good card though~
akh2920
post Nov 6 2014, 04:59 PM

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QUOTE(noien @ Nov 6 2014, 04:49 PM)
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
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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 sweat.gif Over-estimated my spending before this...

Would reconsider again then, either applying OCBC Titanium or keeping UOB ONE. Thanks for your reminder!
akh2920
post Nov 6 2014, 05:19 PM

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QUOTE(noien @ Nov 6 2014, 05:03 PM)
maybe  u can consider aeon watami
3% cash back per quarter with min 3k per quarter
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My main concern is the RM3k per quarter (aka 12k per year) minimum spend, very hard to hit la for tertiary card sweat.gif

But if always got go watami eat then different story tongue.gif
akh2920
post Nov 6 2014, 05:48 PM

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QUOTE(Without @ Nov 6 2014, 05:21 PM)
Always pay using credit-card for every transaction you made.  biggrin.gif
Insurance, Petrol, Utilities Bill etc.
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I already do, spend at least 1.5k on WISE and 500 on Amex monthly thumbup.gif So third card not much spending left liao sad.gif

QUOTE(MeToo @ Nov 6 2014, 05:26 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..
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Got family different ma~ Ayam single dont have so much spending to utilize cry.gif

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