Yes. activated
But i tried disabling it b4
Cant seem to make it work too

Culprit found! The current OneToken does not seems to work well causing many issues to users. Many users have reported both in this thread or in app review page, check it out.

To disabled it, can try call bank cs to deactivate it and roll back to normall sms otp.

I remembered it seems like no one take the risk of paying their OCBC CC on due date after 9.45pm.

Well I did for this month. My due date is 1 November 2019 and I paid on 9.50pm++ - I set reminder on my phone at 9.50pm.

So guess what....


Voila...


02/11/2019 Payment-Instant Transfer - 1,015.00
01/11/2019 Overdue Charge 10.00 -
19/10/2019 BIGPAY-EC KUALA LUMPUR MYS 500.00 -
18/10/2019 BIGPAY-EC KUALA LUMPUR MYS 500.00 -


Kena charge Overdue Charge as the payment is reflected on 2/11/2019.

However, as per CS, they will reverse it out by this Wednesday as 'semua transaction yang dibuat sebelah malam akan reflected on next working day, so saya advise untuk encik, next time boleh bayar hari yang sama cuma encik bayar sebelum pukul 5 petang untuk elakkan benda yg sama berlaku sebab I pernah nampak case yang sama berlaku dekat customer lain jugak kalau bayar sebelah malam'

But the overdua charge is only for my OCBC 365, but for OCBC Titanium, they did not charge me anything. Same payment date and due date for credit card.

Darn. Was hoping disabling OneToken would solve the problem

He tried disabling it. Still didn't work

I only get 2 incentives this month. I did the following
1. Transferred to 3 bank accounts, 2 of them is mine from CIMB and Public Bank, one is to my parents CIMB account.
2. Top up BigPay for RM500 and then transferred back to my OCBC account.
3. Transfer RM500 from my CIMB Bank to OCBC bank.

Am I missing something?

Pay 3 bills online every month

past posts said the pay 3 bills can be achieved by transferring to 3 different accounts hence my step 1 does it not work anymore now?

What types of accounts?

Here I'm transferring to 3 different savings account, 2 under my name from 2 different banks and 1 more under my parents name. Should be able to achieve the 3 bill payment criteria. Unless they changed anything?

This post has been edited by henrytlh: Nov 3 2019, 11:50 PM

3.4. (a) A “Bill Payment” means a payment from the Eligible Customer’s OCBC 360 Account made :
(i) through retail payment channel of OCBC Online Banking or OCBC Internet Banking to :
(a) the Eligible Customer’s OCBC/OCBC Al-Amin home loan facility; or
(b) any account with any bank or financing institution other than OCBC Bank (Malaysia) Berhad; or
© any participating billing organisations; or
including payment by Interbank GIRO conducted through OCBC Online Banking / OCBC Internet Banking, but excluding any payment by the Financial Process Exchange (FPX) platform; or
(ii) pursuant to standing instruction to the Eligible Customer’s OCBC home loan facility.

(b) Multiple payments within the calendar month to the same merchant/payee/account/billing organization shall be deemed as one Bill Payment. For example:
(i) multiple payments to the same home loan facility account; or
(ii) multiple payments to the same participating billing organisation, unless each payment is uniquely identified to a different account; or
(iii) multiple payments to the same account with any bank or financing institution.

Suggestions:
- Use OCBC Internet Banking to pay your credit cards, loans/financing or bills from over 1,400 billers with JomPay.
- Bills include your credit cards, loans/financing and instalments with OCBC or other banks.

This post has been edited by jefftan4888: Nov 3 2019, 11:58 PM

What is the date and time for all this transactions?

hmmm... this way I should be qualified since I'm transferring to 3 different accounts
- my CIMB
- my Public Bank
- Parent's CIMB

Did I miss anything?

all happen on 8th of the month hahaha already set up a recurring payment for this

This post has been edited by henrytlh: Nov 4 2019, 12:16 AM

Key Words: A “Bill Payment” means a payment .....

OCBC 360 SA to 3 SA is not bill payments

This post has been edited by jefftan4888: Nov 4 2019, 12:15 AM

"(b) any account with any bank or financing institution other than OCBC Bank (Malaysia) Berhad; or
© any participating billing organisations; or
including payment by Interbank GIRO conducted through OCBC Online Banking"

oh so was that the case? I have to do OCBC 360 SA to 3 different accounts that are not SA in order to get the incentive?

This post has been edited by henrytlh: Nov 4 2019, 12:21 AM

I got all 3 bonus interests

My bills payment fulfillments are:-

1. Transfer to my mother RHB SA
2. Transfer to my my own SCB SA
3. Payment of OCBC credit card (multiple times but same account number)

Since it’s stated multiple transfer is considered one, then transfer to parents SA should qualify then?

This post has been edited by cucikaki: Nov 4 2019, 12:38 AM

How many payments did you split #3? Saw one of the past comment saying that just doing splitting credit card payment into 3 payments in a month will qualify you for the incentive.

I’m trying to find out which am I missing. I think that went wrong.
1. I transferred RM500 from my CIMB to OCBC 360 and transferred RM1 back from my OCBC 360 to my CIMB.
-Maybe the source of RM500 cannot be one of the bill payment.

2. Topped up RM550 BigPay with OCBC 360 and then transferring RM548(RM2 fee) to the same account will invalidate the Retail Purchase condition.

Things I’m planning to change:
1. Changing my CIMB account to my mother/father’s account
2. From BigPay, transfer to my CIMB bank instead of back to the same OCBC 360.

This post has been edited by henrytlh: Nov 4 2019, 12:47 AM

I made payment of RM500 daily to my CC as i maxed out my credit limit in order to join the 10% cashback campaign

For no 2, it can’t be. Payment is made to Bigpay Malaysia Sdn Bhd but when u transfer from bigpay or boost it will show as tranglo or axiata. So not same company.

Call bank to find out so that you won’t make the same mistake. Pls update us.

I think highlighted is your problem.

You did transfer to the same bank. consider as 1 transaction only.

This post has been edited by avinlim: Nov 4 2019, 08:20 AM