see bottom there is a "REAL CASH EARNINGS SUMMARY" chart

How u topup more than RM10k to bigpay? Multiple bigpay cards?

This is actually your 1% monthly cashback capped at RM50.

To redeem you go to "other services" then "redeem Fortune credit card" on HLB online.

Same issues happen to my account. I contact HLB and they say will claw back the bonus and follow anniversary.

My anniversary in June, they credit RM880 to me. I contact their live chat and send message after login Internet banking.
Yet to claw back the bonus, still in progress.

So far they reply my case is not policy change, they say is their problem.

The monthly bonus is 1% of your month's spending (minimum RM2,000) up to RM50.00 for card spending of RM5,000 and above.
The annual bonus is credited on your card anniversary, if you hit the spending target. 
Some posts here said if you hit the target earlier, you would be credited with the bonus earlier than your card anniversary date. 
I have not experienced this so I'm not sure.
I track my spending/use the Live Chat function to ask for my year-to-date spend figure from the last anniversary date. 
When I know I'm close but not quite there, I would shift some of my expenses usually paid with other cards to Fortune Visa or pay extra for my phone, electricity, mobile etc. in the final month.
To redeem, what you do is you click "other services" on Hong Leong Connect and click "redeem Fortune Credit Card Rewards", you will be able to see the "Real Cash Earnings Amount", just follow the steps and you will have the amount credited to your account. 
You can do this monthly for the monthly earned amount or you leave it there and redeem at one go together with the annual bonus.
Happy spending.  I'm into the start of my 3rd year with this card.

From my experience, when I hit the RM108k and got my bonus "early" (in Jan 2019 instead of my usual anniversary on 31 Mar / 1 Apr 2019 - my cycle ends in Mar):

- I still received the RM50 monthly CB for subsequent months (Feb and Mar)

- On 1 April (my usual anniversary), there is a line item saying "YEARLY BONUS REBATE RM0.0".

Based no the above, I therefore infer that your normal "cycle" will be maintained no matter how early you hit the RM108k, and that spending will be tracked within that fixed annual cycle.  I never bothered "confirming" with CS as I like to do trial and error for myself, but just sharing my experience.

I believe it's not counted.

OK - still got many more months before that happens, and I hope by then the current benefits will still be in place.

For the last round I only exceeded my RM108k by RM15k (Jan to Mar, spent only RM5k/monthly exactly).

For this round, I am almost halfway through my annual cycle, but only spent RM56k to date. Perhaps I will only be able to hit RM108k in my normal anniversary month of March 2020. I keep detailed manual records to make sure I am on track, as there is almost a 1k CB difference between the 68k and 108k thresholds and I don't want to miss out on the full RM1,800.

Right I also believe the card spend after early achievement of the annual bonus target will just earn you the monthly RM20.00 - 50.00.  Logically it should not be counted in the new cycle.  Otherwise the cycle will keep on shifting and you will lose track of your spending by the anniversary period.

It doesnt matter the FPP is done before statement or before, as long as ur FPP value is more than ur statement then u dont need to pay for the month.

FYI, dont apply FPP for fortune as this will deduct from the annual RM108k spend

Your posts should be correct. If you take the other interpretation, then any spending converted into FPP would not even qualify for the monthly cashback (which does not make sense). I can confirm that I have been maxing out on FPP every single month and have got full monthly CB.

My anniversary month is March. I always plan my spending to be only slightly above 108k. I will confirm if I get the full annual CB amount then. If you deduct my FPP, I don't think I even qualify for second tier hahahaha.

Yes - I treat FPP credits as "payment" and have never incurred charges.

Looking at my Fortune Feb 2020 statement:

I have 6 separate FPP instalment charges amounting to RM6,300
Then I have RM10k retail expenditure
I did an FPP conversion of FPP15,000 (credited), leaving RM1,300 outstanding
Then for next statement, I just paid balance to zero

This is my usual pattern for all my cards (HLB Fortune, Essential, VI) and I don't even bother tracking FPP instalments vs credits, as I just make sure that credits for the month = statement balance.

At one point I had 7 0% FPP running on the same Fortune card. Basically each subsequent FPP kept rolling on to pay the next...

Every time I saw 0% FPP, I whacked all the way, except for months where I had insufficient credit limit.

For this reason I request for permanent CL increase with each annual salary hike.

It doesnt matter the FPP is done before statement or before, as long as ur FPP value is more than ur statement then u dont need to pay for the month.

Not really interest in this FPP. No matter how many times you FPP you still end up paying the same amount. I prefer to spend my time and energy on getting real cashback from other cards

Thanks. .

and my first statement is on Aug 2016 and the first yearly bonus credit on Sep 2017 and the same as 2018 and 2019.

hi all, i got my RM1800 cash back on the anniversary date... though i had met the min spending requirement RM108K 2 months before.

Whatever not posted in ur current statement will calculate the cb on next statement

https://www.hlb.com.my/en/personal-banking/...edit-cards.html

installment still active
Q: What will happen to the existing/active Installment Plan(s) I have?

A: Your Installment Plan(s) will still be active until you fully settle the outstanding balance but you cannot use your existing card effective 1 September 2020.

still no shadow of it... 
will chat with cs once due date reach (31/10/2020)