Saving account:
- 360-i = Islamic account = use debit card only
- 360 = conventional account = allow to use credit card or debit card
(If user have both accounts, 360i account with debit card then have to use credit card on 360 account, due to one debit card tie to one user only)

Try ask in al amin branch, might have 360 conventional account if you want to go for this.

Credit card:
- Many users holds OCBC Titanium credit card for its cashback of 0.9% on online transaction, while normal retail transaction is 0.1% cashback only.
- While other cards like 365 credit card as suggested by cucikaki is for normal retail transaction with 1% cashback on first RM1k transaction and 0.5% on subsequent transaction above RM1k.

Spend more on online transaction then take OCBC titanium credit card.
Spend more on physical store retail transaction then take OCBC 365 credit card.

Talked to CS about this before. OCBC needs about 3 working days before payment is reflected into the accountt. But usually if you pay in the morning, payment is reflected by the end of the day or the next morning. As long your transaction date is before your due date, it should be fine. However its best to avoid time sensitive transactions after 9pm

Doesn't Ocbc give 2/3 days grace period?

Thanks for the info.
Will ask al amin branch later.
I think to go for titanium since reload it with big pay counted as online spending.

For applying CC, need to apply CC 1st of can apply cc and both saving account together so that they can link as one?

This post has been edited by [Ancient]-XinG-: Oct 22 2019, 10:27 AM

from my understanding, this period is to allow for the account to update but if transaction date is after the due date then they will charge for late payment

This post has been edited by sidefulnes: Oct 22 2019, 10:26 AM

can verify if reload into other e-wallet (boost,touch&go etc) counted as online spending as well ?

Open saving account or apply credit card first doesn't matter. It is auto detect/link.

But for the bold part if both saving account here means 2 OCBC 360 and OCBC 360-I? If yes, need to inform bank the debit card is tie to which account.

This post has been edited by rojakwhacker: Oct 22 2019, 11:06 AM

In boost thread, read last few post, it's been reported as online transaction.

Aiyo...bro..dont challenge till that level ma...even if bank does give some grace period. Scare later appeal unsuccessful, then trouble late. pay 1-2 days earlier doesn't cause any harm also.

Sorry typo.

What I mean is apply cc and open 360 at the same time..

Yes may do so,

1)Apply credit card first then open 360 saving account

2)Open 360 saving account first then apply credit card

3)Do both

thanks.

and is it safe to apply cc if I come across people promoting in mall?

and for 3 bill rite... Must 3 diff bank if fund transfer? and how if same owner? bills I cant because all under 1 credit card...

Should be safe to apply ocbc credit card from people promoting in mall like apply credit card from other bank too.
For credit card, can refer to above link, current campaign to get cashback RM50.

For 3 bills payment, can be any payment /fund transfer like instant transfer /ibg /recurring transfer to any bank account from ocbc /other bank, and is not tie to owner of account but bank account itself in a calendar month. Example, pay 2 different credit cards from same bank.

Edit: The owner of account here means people name not owner = 'me'.

This post has been edited by rojakwhacker: Oct 22 2019, 03:46 PM

Wait... Meaning can't transfer to own other bank account?
If pay own cc bills also not ok?

Maximum of 1,000 units throughout the Campaign Period

I bet for a new campaign next month. Then I apply for the CC.

It can be to pay cc card at own OCBC account, i always divide my cc payment into 3 and hit the target and succesfully get 4.1% next month.

Can transfer to any one's bank account in any bank that also include own's...

The owner of account here means people name not owner = 'me'.

May be new campaign if bank wants to hit quota.

This post has been edited by rojakwhacker: Oct 22 2019, 03:45 PM

Can

I see.. thanks for the swift reply....

End up I can't apply today as sudden work from home..... Really cibaiii.

Tomorrow maybe can.

Lai hope for the best.

Did you manage to fix this?

I just recently opened an account and I'm getting the same problem.. managed to create internet banking account and everything but the debit card securecode keeps getting service temporarily unavailable.

Have called CS twice now but still not working