Been receiving several calls from OCBC pestering me to get a credit card for full 4.1% interest rate benefit. During the most recent call, I replied I do not want additional credit cards due to SST. The sales guy said, I do not have to worry about it as the bank will absorb the SST charges.

Is this true? Also what is the benefits of the 365 card? 1% rebate up to 1k only...no points. Also need to spend at least RM500 to get the 1.2% intereste rate...I barely spend that much anyway as I have the Maybank 2card amex 5% cash back on weekends ... I only use the visa card if the shop does not accept amex...Also I have treat points which can be redeemed for vouchers....so I do not see the point in getting the OCBC 365 card..

What's your opinion?

If you don't get >5% cashback for it,  don't use it.

If you don't get >5% cashback for it,  don't use it.

That's a very general statement. In fact if you've maxed out the 5/6% cashback (and even the 2-3% of cards like SCB JOP) 1% isn't bad.

I make an online payment via ocbc debit card 2 days ago. but now my account still having the ledgar balance (undeducted) and available balance (Deducted). is my payment successful?
how many days needed for ledgar balance to show deducted amount???

I have not tried scheduled transfer before, is it using IBG or Instant Transfer?
Please and thanks!

ibg

Does paying my credit card/loan count towards the spending min RM 500 requirement?

if u can pay ur other credit card/loan with ur ocbc credit card or debit card, then definitely

How to pay with debit/credit card? Would online transfer count as paying with card?

How to pay with debit/credit card? Would online transfer count as paying with card?

For the RM500 spending, only usage by physical swiping your card or online banking by key in your 16 digits number and CVV code count towards “spending”.

So am I right to say paying bills wont count towards this spending?

So am I right to say paying bills wont count towards this spending?

What about top up to bigpay? If this is counted as part of the rm500 requirement?

As previous reply, is based on the method of payment.
If physical swipe at the card terminal example at kiosk, then yes counted.
If online log in to the website of the payee example TNB, and key in your card details, then yes counted.
If log into OCBC online and select bill payment method, then no, will not count as credit/debit card usage. And if you realise, the number of available payee via OCBC online also very limited.