awesome.

Mach card approved! about 5mins after completing application.

now waiting for about 30mins to collect card.

*update: collected card, activated, and went over across the street to HLB Branch to set SMS notification to RM1. HLB Connect can see the new card entry. BTW, shared credit limit with Wise card.

Congraz. Did you add any additional category? The dining category is just the same as Wise. So watch out for Starbucks, Six Inch and other drinking places. First page has the list of places that are not under dining.

Got my statement and Loong Kee - Jalan Alor is categorized as retail.

Yes, I admitted I bought my dried meat there but it is also a restaurant which serves food as well.

because their main business is selling dried meat. so i believe they share the same terminal for the restaurant side as well.

Good news for zalora voucher rm 40. No delivery charge today. So can get it for free. Who got zalora voucher rm40, pls use it today. Thanz.

Thanks for the information!

I have three sets.

How come you have three? 

Mind sharing one of them?   

I had four actually, one from RHB, three from MACH.
The one from RHB already spent last month.

Three from MACH, two were for surveys that I participated and another one because I'm their loyal customer.
All MACH users got them.

Sorry, I just spent all.

for Dining/trendsetter, does it give u straight 5% cashback or just 4.8%?

for Dining/trendsetter, does it give u straight 5% cashback or just 4.8%?

where does 4.8% come from?

What did it mean by 4.8%?

where does 4.8% come from?

0.2% GST lol

Let me share with you my experience of using this card since June last year. The 10%  5% rebate they advertised actually works different that what you might think. The reason being, "All retail transactions will entitled 0.2% rebate" and that 0.2% is included in the 10%. Lets say you spend RM25 at cinema, you will get (RM25 x 9.8%) = RM2.45 rebate for cinema and RM0.05 rebate goes into retail transaction. So instead of getting RM2.50 (10%) and rounded up to RM3, you would only get RM2 after rounded down. Also, if your retail spending does not exceed RM500, you wouldn’t get any rebate for retail as the minimum rebate is RM1. So your cinema rebate of RM0.05 will also gone. I would say that Mach is a bit complicated for newcomers, but once you understand how it works, you can plan your spending so all the rebates will be rounded up. 

You are right. I went through my statement and found out that it's not actually outright 5% (for my dining category) but rather 4.8% + 0.2% where you won't get the 0.2% if your total spending is below RM 500. Thanks for the clarification

i read all the posts in this topic, noticed the cashback calculation method.... see below

i'm not sure if this behavior still the same or already been revised to proper 5%.

i read all the posts in this topic, noticed the cashback calculation method.... see below

i'm not sure if this behavior still the same or already been revised to proper 5%.

Wow! I didn't even realize that.
Thanks for sharing.

My latest statement of RM115.25 dining, gave me RM6 cashback (4.8% = RM5.532, which is possibly rounded up to RM6.00).