Max cash rebate can reach up to 10.15% before deduct Gov tax and annual fee

1% cash back = RM1550
Meaning u spent RM155,000 in a year with this cc

Which package u choose? social? How can u enjoy 5% dining which it trendsetter package and telcom only 3% in savvy?

U keep changging the package by paying the fee to change package?

Below is take from lowyat forum for mach cc

Introducing MACH by HongLeong Bank

The Credit Card that rewards you for being you. Customise your card to match your personality and boost your cashback rewards in 12 different categories from
Movies to Dining.

https://www.machbyhongleong.com/mach-credit-card

Start off with choosing EITHER one of three FREE packages which includes

1. Social
- 10% Cashback on all Movie outlets: GSC, TGV, MBO, Cineleisure and Cathay (MCC 7832)
- 2% Cashback on All bars and nightclubs including: Zouk, Mist, Milk, Movida, Hard Rock Cafe, Red Box, Finnegan's etc. (MCC 5813)
- 3% Cashback on all event tickets bought from AirAsia RedTix, TicketCharge, TicketPro and all Rock Corner outlets

2. TrendSetter
- 2% Cashback on Major Style outlets: Uniqlo, Cotton On, Esprit, Topshop, Topman, Forever 21, Zara, Converse, G2000, Charles & Keith
- 1% Cashback on All tickets & hotels purchased with AirAsia
- 5% Cashback on ALL Dining outlets (MCC 5811, 5812, 5814)

3. Savvy
- 2% Cashback on Health & Fitness: Celebrity Fitness, Fitness Concept, True Fitness, Fitness First, GNC's, Watson's and Guardian
- 3% Cashback on Mobile: DIGI, Celcom & Maxis
- 2% Cashback on Groceries: Giant, Tesco, Cold Storage, and many more (MCC 5411)

spent extra RM5 every quarter for each package?
Meaning u spent RM10 to join 2 other packages?

How much u earn the cash back? RM100*2=RM200?

U still no answer my question, how u get 5% telco?