Guys, I just get charged RM50 for government service tax for my OCBC Ti card...is it possible to waive it off? I'm planning to cancel it as well.
Please advise

^ agree.

(Disclaimer: I’m NOT promoting and I don’t work for HLB and affiliates, just sharing my experience)
And also for those who can't spend 30k-40k on this card, but one can opt to switch for HLB Essential Card. When I wanted to cancel my card, they actually call back and willing to waive the GST (no swipe-3-times condition or anything but they did say I cannot cancel within a year, which is fine).

So they actually gave me the RM50 BEFORE my GST is due… roughly 2 weeks earlier (one day after I receive their call). And my usage for the past year? Less than 5k.

The downside is HLB Essential rebate excludes petrol. But you have better cards for that.

Heard need to spend rm30k.
With that amount, I'll use MBB + STUPID which I'm getting rm1590 of cash back.

MBB capped at rm50 per month, so only rm600.
STUPID is capped at rm1200, but AF and GST have to pay, so rm990 only.
So how do I able to get rm2100 like you said
Now, let's discuss more on the rm18000, don't take 100% can use AMEX, say 80%, so rm14400, that's 72000TP, with 50000TP, you can redeem rm220 gift card. So 1590+220=rm1810

If I still stick with OCBC, that's only rm300 of cashback I'm getting.

See my above, then only think is it really good
I'm an ex OCBC card user also I cut it. No to discriminate this card, but with 1% of cash back, it is really not that good as primary or back up.

I will say it depends. If I'm going to spend big(this year will be my flight tickets), I'll use AMEX
So your logic fail for me
I'm the type of person that before spending rm1000, I already make rm5000. So if were to spend big on electric appliance(>rm2000), either I pay cash(can get more discount) or using AMEX(like in Desa HT allows)

i also didn't receive any SMS about the news. lucky my monthly expenditure on OCBC card don't go more than 1k normally, so still got 1%. Amex is still the way to go, 5x TP better than nothing.

Planning to cancel this titanium card. if I nd spare cc for spending,wud u guys recommend hlb essential? And any hlb essential card holder has received any changes to their TNC so far?

sien la.. 0.1% whats the point? use other cards at least also 0.3%

gonna cut this cut soon.

anyone hold Mach's cc? i believe they give discount on online transaction too

I'm holding MACH CC but I took the one for dining.

if you can spend min RM1K per month, I recommend AEON Watami.

Probably will do that. Rm5 per quarter sounds okay. So there's a cap of rm100 per quarter?

still untung another 0.25% mah

I c. Petrol covered by wise card dy. Already holding m2c, pb visa signature, Aeon watami hence looking for OCBC replacement card for oth category of usage n I dun normally hit 1k for ocbc.

Tks kelvin.

For hlb essential, cash bk only valid when have min 1 retail transaction at RM100,meaning nd to swipe one transc at RM100 at least to get rebate?

no round up like wise? lol...

T&c is correct...

However the loophole is... I spent rm60, i got rm1 rebate... Hlb essential go by Round nearest ringgit. I did this unknowingly last year... I repeat after i found out. But the last time was probably  more than 6 months ago...

just remember 2 points:
1) not to pump at petrol station
2) min transaction(s) of rm100 per month

really arrr??   

my statement was RM60 before and got RM1 rebate from HLB essential. despite the t&c stated, i think hlb doesn't notice this loop hole. HLB pays by round nearest. so i usually adjust to spend around 150, 250, 350 per statement. which also means that either you spend 150 or 240, your rebate is still RM2.

plus AF for hlb essential is easily waivable. also hlb gave me GST rebate despite the preceding year, i only spent 6k++, almost 7k. those in ocbc thread complaining spedning 40k to get that RM50 gst rebate.

i agree ocbc > essential. but it's not that bad...

Plan to go cut my card today and take back the reversal of nearly 1k in this card. Till i go check email got discount 20% for international flight with airasia.

Getting stand cartered for flight purpose then come this.lol..keeping more cars then....