no need get Titanium. get the basic 24k p.a. Blue/Pink card.

Info: http://www.ocbc.com.my/personal-banking/Cards/index.html

Same 1% unlimited cashback and no AF.

GST applies to all credit cards.

OCBC has RM100 rebate for new signup. >> http://www.ocbc.com.my/personal-banking/Pr...card/index.html

no choice lor. It's BNM's directive.

What banks can do is offer signup rebate promotions to get us stay for 1 year.

you need to do some rough calculations of your spending behavior whether your annual cashback is > RM50.

OCBC's is 1% unlimited cashback but need to spend at least RM5k just to break-even (year 2 and onwards). Good if you always have large spending but even that, Aeon Watami is still better than OCBC's.