Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

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

views
     
tbheng
post Jun 29 2014, 01:58 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
I got the vouchers too. Valid for 6 months from date of purchase. Can use during sales.
Furthermore can be used in 10 different shops/brands (and every outlets) - see attached pix. thumbup.gif
And the cashier said can use for "Burton Menswear" as it is under DP (though not stated in the voucher). rclxms.gif




Attached thumbnail(s)
Attached Image
tbheng
post Jun 30 2014, 05:21 PM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(ronnie @ Jun 30 2014, 09:16 AM)
Actually, it's a promotion between you and OCBC... DP is only the merchant (And they don't even use a OCBC CC terminal)
*
Somehow the cashier at the Paradigm mall knew about the promo.
Probably the OCBC lady with camera there told him about the promo. laugh.gif
tbheng
post Jul 5 2014, 09:04 PM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(blahbleh @ Jul 5 2014, 12:48 PM)
Flash Rebate RM100 credited today to my card, checked via Online Banking. Good deal!
*
Yeah, I got that too! rclxm9.gif thumbup.gif
Didn't expect it will be posted so fast.

This post has been edited by tbheng: Jul 5 2014, 09:06 PM


Attached thumbnail(s)
Attached Image
tbheng
post Jul 15 2014, 10:27 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(MGM @ Jul 15 2014, 08:55 AM)
The rebate is from May or June's Flash Deal?
*
28 June - the Dorothy Perkins' Flash Deal. rclxms.gif
tbheng
post Aug 6 2014, 02:46 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(DarReNz @ Aug 5 2014, 11:58 PM)
I guess most ppl rather swipe maybank amex rather than titanium
*
That is true, but the acceptance of Amex is always the problem mad.gif
That make me still keeping the titanium.
tbheng
post Sep 17 2014, 12:14 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(DrPitchard @ Sep 16 2014, 01:41 AM)
Thanks for the steps. Yeap, after choosing Option 1, system will prompt for IC, followed by CC number, and lastly, phone number. Called in and tried too, will update in this thread once I get my request outcome. On a separate note, I recently swiped my OCBC card for a RM13k housing deposit downpayment and later converted it to EPP. Maths worked out to 5+% interest which I thought was pretty decent. Surprised to find out that my RM13k EPP is also entitled for the 1% rebate, thus, my effective interest rate is only 4+%. Awesome!!!!
*
QUOTE(DrPitchard @ Sep 16 2014, 01:04 PM)
Yeah, kind of expected that. But my inner me tells me that I should still try, nothing to lose.... :-)
Rarely use this card too so no real reason for them to waive my GST. 95% of my usage goes to my Maybank 2 Card.
*
OCBC is very fast in this...I normally will received 2 sms together when swipe for big amount... 1 is the usual sms alert and 2 is the offer to convert to easy payment.
I called before and the CS told, 2% if 5 mth repayments; 3% for 10mth; 5% for 20mth. And no more 1% CB.
Since you have MBB cc, why didn't you BT to MBB with 0% interest for 12 mth?

Ever since I found out there are such 0% BT schemes (by MBB, AEON and PBB), I feel much relief even though there were no 0% EPP provided by the merchants/banks during my swiping. Just swipe and BT when statement is out. No sweat. thumbup.gif

This post has been edited by tbheng: Sep 17 2014, 12:30 AM
tbheng
post Sep 17 2014, 04:41 PM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(DrPitchard @ Sep 17 2014, 04:13 PM)
Wow, didn't know that there are banks that offer 0% interest for 12 months. Tried and tested before? No gimmicks? Always had the impression that there are alot of underlying T&Cs or hidden cost involved...LOL
*
Tried many times with PBB and AEON. 0 charges.
Bought some furnitures recently...big hole in my pocket... Ouch! cry.gif
Traditional furniture shop not accepting Amex, swipe with my trusted ocbc TMC for unlimited 1% CB. tongue.gif
And I will BT to AEON and then to MBB when I get my next statement.
Keeping my cold hard cash safe in FD... smile.gif

This post has been edited by tbheng: Sep 17 2014, 04:42 PM
tbheng
post Sep 24 2014, 12:41 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(DarReNz @ Sep 18 2014, 11:07 PM)
u mean BT will only approve based on transaction history and not outstanding ?

I still think if you have transactions on both cards should be fine to BT the BT amount and the current amount
*
QUOTE(victorywp @ Sep 18 2014, 11:20 PM)
i mean if you bt 10k to mbb first, it will be divided to 12 months equally, so your outstanding in your next mbb statement would be 833.33 only. so when you bt to aeon, you don't get 10k aeon points immediately but need to accumulate 833 points per month for 12 months to get the full 10k points. which is why i would suggest to bt to aeon first, then only to mbb, and back to aeon.

1) spend 12k with ocbc cc
2) bt the 12k from ocbc to aeon cc 0% for 6 months (earn 12k points immediately, which is rm48 in value)
3) bt the 2k monthly from aeon to mbb cc 0% for 12 months
4) bt the 166 monthly + your other mbb outstanding (to make it at least rm1k) from mbb to aeon cc 0% for 6 months (earn 1k point per month again)

by doing this, you will not pay any of the 12k out of your pocket, at least for the first few months. but you will be earning aeon points with cash value + the flexibility to invest the 12k elsewhere.
*
Thanks to victorywp for helping to reply question to me from DarReNz. notworthy.gif
victorywp is absolutely right. I always BT to AEON first and then only BT the AEON monthly installment to PBB or MBB.
Then BT again the monthly installments from PBB/MBB back to AEON.
I have not pay a single cc statements for the last 6 months.
Also means I have not paid a single sen for all my cc swipes for the last 6 months! wink.gif
tbheng
post Nov 30 2014, 11:34 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
Need confirmation from all the sifu here...
I planned to swipe big sum, e.g. 30k above my CL for investment.
If I do IBG 10k on 3 consecutive days, can I swipe it on day 4?
i.e. as soon as IBG get through to ocbc, the available CL will be increased?
Wooho for the unlimited 1% CB. tongue.gif

EDIT: Or I can go to branch and request IBG one time over the counter, what will be the limit and charges?

This post has been edited by tbheng: Nov 30 2014, 11:38 AM
tbheng
post Nov 30 2014, 10:11 PM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(victorywp @ Nov 30 2014, 02:43 PM)
for cimb can ibg up to 30k a day. if follow your plan, yes, you may swipe on the 4th day (provided the 3rd day ibg done not too late - you may refer to the ibg time schedule).
*
Thanks for your reply.
I may just visit Maybank branch to do one time IBG over the counter. Wonder what is the limit at the counter and charges like?
tbheng
post Dec 2 2014, 07:20 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(cybpsych @ Dec 1 2014, 07:14 AM)
OTC IBG is RM1mil per transaction, subject to each bank's T&Cs. RM30k should be easily go thru.

no idea if there's charges.
*
QUOTE(pisanq @ Dec 1 2014, 08:26 AM)
rm2 fee for each rentas txn (ibg over the counter for more than rm10k). cut off time is 2pm
*
Thanks for the info. thumbup.gif
tbheng
post Dec 14 2014, 09:23 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(mingyew @ Dec 14 2014, 08:48 AM)
Ocbc seems revised again the rebate from 1% to 0.5%
*
Better not. Any link?
If 0.5%, it is time to move on. Replacement like HLB Essential for example.
Otherwise, 1% unlimited, unconditional, wide acceptance is still very good. rclxms.gif
tbheng
post Dec 18 2014, 10:57 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(cristiano7mu @ Dec 18 2014, 09:50 AM)
yup its listed in the statement just above the 12/12 rebate line... fyi the transaction is a hospital payment....
*
You may have to call CS to find out why and share with us the mystery. Must be a mistake from ocbc. Otherwise your case can serve as a warning to all other card holders here.

So far I have not encountered any missing 1% CB.
Recently, I swiped a 10k investment end of last month and gotten RM100 CB in this month statement. nod.gif
And I put it through 0% BT to AEON can get another RM40 worth of cash credit points. thumbup.gif
The investment is kinda high risk, I have requested for refund. When the 10k refunded, I will put into FD for further gains.
Milking it out from the monetary systems. tongue.gif

This post has been edited by tbheng: Dec 18 2014, 10:59 AM
tbheng
post Dec 18 2014, 11:15 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(cristiano7mu @ Dec 18 2014, 09:50 AM)
yup its listed in the statement just above the 12/12 rebate line... fyi the transaction is a hospital payment....
*
For hospital bill, I use Amex, 5x TP is 2% equivalent value, better than ocbc 1% CB. Unless you do not have MB2Card.
If weekend, better still with 5% CB.
tbheng
post Dec 18 2014, 12:00 PM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(cindelala^^ @ Dec 18 2014, 11:49 AM)
u so clever  notworthy.gif
*
Paiseh blush.gif
Just trying to max out the gains from the banks...
With all the CB + BT, can work out to be RM500 free cash from the banks every month. drool.gif
But need close monitoring and discipline in tracking them. icon_rolleyes.gif laugh.gif
tbheng
post Dec 18 2014, 02:21 PM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(bee993 @ Dec 18 2014, 01:48 PM)
only if the refund is paid to u by cash or cheque. if credit back to cc rebate will be claw back too.
*
Most refund of these sorts I have seen are by cheque. (Have confirmed and awaiting for cheque...)
It has appeared in statement and already been BT out.
So even if it credited back, I will request to transfer to CASA and IBG out FD. tongue.gif

I remembered a couple of years back, one merchant told that unless it is cancelled on the spot, if it is posted then cannot do cancellation (i.e. credit back to credit card). I was trying to ask them to charge to my other card instead, on the following day.

This post has been edited by tbheng: Dec 18 2014, 02:21 PM
tbheng
post Dec 18 2014, 04:10 PM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(victorywp @ Dec 18 2014, 01:45 PM)
that's not max out the gains from the banks...
that's create opportunity to squeeze for benefits out from the banks... lol!
*
Ya ya, I believe there are other ways too... laugh.gif
Share share on your other tricks, master... drool.gif notworthy.gif

This post has been edited by tbheng: Dec 18 2014, 04:10 PM
tbheng
post Dec 21 2014, 12:15 AM

Regular
******
Senior Member
1,188 posts

Joined: Sep 2008
QUOTE(yorkhan @ Dec 20 2014, 10:17 PM)
mbb still 2% even after the points adjustment? this month ocbc my bill so high sad.gif
*
Yes, still 2%, i.e. 12,500 pt for RM50 vouchers.
You can try apply for 0% BT offered by MBB; to transfer OCBC bill to MBB and spread into 12 month equal repayments.

Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0471sec    0.68    7 queries    GZIP Disabled
Time is now: 5th December 2025 - 12:53 PM