OCBC CC is very limited use and harder to get as you have seen. 360 interest criteria can be done by debit card also.

If you are referring to :
1) Transfer to other bank account from OCBC 360 saving account then it is immediately.
2) Use debit card to make payment to merchant then it is possible to appear on next day (posted or not is another matter).

Hi do anyone know if jompay bill to 3 different unifi account(landed phone, fiber) consider as 1 or 3 transaction?

Hi all. Theres no ocbc credit card thread so im asking here. Anyone got request service tax for credit card rm25 to be waive before? Wonder whether can waive like how pbb credit card do.

yes - i remembered i hv asked for waiver before, pbb as well.

my mbb can't waive.

they rejected my request for SST rebate and claimed that no more rebate since 1 Sep 2021.

So, i decided to cancel the card, and they retain me by giving me RM25 rebate. So, try at ur own risk...

i remember calling up 3 years ago and was approved after a while. since then my card never been charged sst. weird.

r u sure is no sst or you didnt notice they charge it and reverse it automatically? or you've paid it without knowing...

So far, they have been charging me SST every year.. i also apply 3 years back...this year is 4th year.. every year request for SST rebate and get it.. only this year a bit hassle that need to cancel only they offer..

never appear in statements though

Hi all. My ocbc cashflo CC just get charged annual fee yesterday 1st sept. Today i try to go website and call for annual fee waiver. The automated system still say there is no annual fee charged yet or no option for annual fee option in waiver page. Should i wait a few more days?

just direct to agent instead of self service.

Alright. Just called. Still requires review and need to wait for approval. 🙏

as usual, even self service also need to review and subject to mgmt approval.

saw OCBC SG raises interest rates on 360 account SG, any news on MY side?

Stumbled across HLB Pay&Save recently, high interest and seems not difficult to achieve (unless I missed the catch? If any). I wonder why not much mention of it here on LYN...
What do you guys think on Pay&Save vs 360? Am thinking to switch out from OCBC.

Because HLB Pay&Save account still loses out to RHB Smart account. 2.65% vs RHB's 2.85%, plus RHB's tiers are much easier to hit.

The 'pay' and 'spend' are both dead money, compared to OCBC (where spend is on CC so at least can get 1%) and RHB (bill payment no minimum total spend). Added to that the lower interest rate compared to RHB. Heck even SCB preferable I think due to the dead money pay/spend HLB categories.

Looks like I've missed out quite some stuffs... I thought I've read the T&C.

In terms of "dead money", as in we can't use it freely?

Thought I did look at RHB Smart account, likely it was the min 1k spend on card put me off... I shall relook into that again and see which RHB card is good , as looking for alternatives to switch out from OCBC.
Also, odd that there's no thread/not much mention on RHB Smart Account here I wonder why?

Thanks sifus!

"Dead money" here is I'm meaning you spend the money with no rewards except for the interest rate. Because something like debit card spending doesn't get you any cashback etc. So it's basically like spending cash (you don't even get interest free days like CC). This applies for transfer from savings account and debit card spend (except for certain debit cards which give rewards, to be fair it seems HLB sometimes has those).

While the competitor savings accounts (OCBC, SCB, RHB) all require CC spend instead. CC spend normally earns some rewards, whether its points or cashback. Given a choice between the 2 of course having some rewards would be good. E.g. for RHB I use the Shell Visa card so that can get the 5%/2% cashback (depending your monthly spend), meaning I always hit 2.5k every month anyway.

Hmm don't see OCBC CC thread so I'm posting here.

Recently I got fraud on OCBC CC, luckily the main big transaction didn't go through as the bank system noticed the abnormal transaction at the "test charge" and suspended my card immediately.
Later I found out apparently my family also kena on their card.

Likely data leak or what...? You guys beware and pay attention on your CC statements.