thank you for opening my eye to air miles .

Any fortune card user here?
Currently i'm essential card user here.
Wish to change to fortune card because offering minimum 1% cash back compared to essential just 0.6% for first 5k.

anything you need?

I think u no need change maybe u can just add card?

Just call to cs.
im not allow to add card.
Cs ask me apply from branch, follow normal procedure.

I cant brain this credit card. It says: "Real Cash Earnings will only be credited upon meeting the minimum threshold of RM20 and capped at a maximum of RM50 calculated on a monthly basis." and you get RM1 rebate for each RM100 spent, meaning you have to spend RM 2000 per month to be entitle for the Real Cash Earning, however the minimum eligibility to apply this card is RM24k income p.a. Shouldn't them raise the minimum eligibility a little and target richer customer instead?

This is my second year in using the HLB Fortune card. I have earned RM50 monthly plus RM1,800 on my card anniversary month last year.
The generous bank has been dishing out 12 month 0% balance transfer and flexible payment plan this year which I have applied and was approved some RM 20,000, to be repaid over 12 months without any interest. Now, I just realise it says in the terms and conditions that the cumulative annual qualifying spend would exclude balance transfer and FPP amount.
My questions is whether the repaid amount during the year will still be counted for the purpose of the annual real rewards?

For the payment to ur balance transfer account will not count...

Have been getting the RM1800 anniversary for few years.. it is my main card among others...

daniel7910 what do you mean when you said "payment to your balance transfer account will not count"?
Just to make it clearer as to what I meant in my original question:
Let's say the bank has approved me an FPP of RM20,000 and Balance transfer of another RM10,000. Assuming I have hit RM120,000 spending this year however my qualifying spend will be cut down to RM90,000. So according to the terms and conditions of the card, I would not get RM1,800 cash reward on my card anniversary, though I would still get RM680.
Assuming I have repaid RM 20,000 during the year for both FPP and BT, do you think the bank may add back my repayment amount of RM20,000 so that the "adjusted" qualifying spend becomes RM110,000 such that I would still earn RM1,800?

Deleted

This post has been edited by beebee1314: Sep 20 2018, 09:46 PM

The term for 'qualifying spend' should be on 'spending', not on 'repayment'.

Do anyone has experience with HLB Fortune Visa, transaction posted same day as statement date and not eligible for cashback?

Called CS, raised several questions..

Q1. Why no cashback on the transaction?
A1. The system unable to capture the transaction during generating the DAILY REAL CASH EARNING (cash back)

Q2. Will the cash back given?
A2. Yes. Next month

Q3. The cash back is considered as current statement pool or next?
A3. Next month!!!

Q4. The transaction is posted within this month statement, how sure are you that the next statement will capture previous statement transaction's missing cashback?
A4. I shall revert to you tomorrow!

IMO, they shall give me the cash back this month since the transaction is clearly posted within the statement right?

I think i also encounter the same problem, the transaction post at the same day as statement date and i didn't get the cashback.
I haven't call the CS yet.
If follow the T&C, the cashback shall be determined at the end of billing cycle and credited to the statement.

anyone managed to get cash reward to offset SST?

I got the missing cashback manually credited direct to the CC.

03-Oct-2018 DAILY EARNING 50.00

Guys if I top up using fortune to Boost app, will it eligible for cashback?

yup.

For annual fee waiver, is min spend rm8k AND 12x swipes, or min spend rm8k OR 12x swipes?

answers in here > https://www.hlb.com.my/en/personal-banking/...rtune-card.html