OCBC has the worst customer service. They have very strict fee waiver policies for their credit cards. And, if you accidentally forgot to pay your cc bills on time or if there is a technical delay over inter-bank payments, they will charge you late payment. If you do not hit the minimum spending $900/mth, you will be charged annual fee and you can't waive it off. So, no matter how much you try to earn the rebates and meet the 360 account conditions, it will be all gone with these strict annual fee and late payment charge. Also, it is known that the OCBC CSOs should not waive fee liberally. So, avoid at all cost!!!