It is tier-based. Any spending after 3k will drop to 0.3%.

Monthly Spend (RM) Rebate (%)
0 - 1,000                    0.50
1,001 - 2,000            1.50
2,001 - 3,000            3.00
> 3,000                    0.30
let say my spending rm6000
meaning like this?

Monthly Spend (RM)      Rebate (%)          CB
0 - 1,000                        0.50                    5
1,001 - 2,000                1.50                    15
2,001 - 3,000                3.00                    30
> 3,000                        0.30                    9

so total CB per month is rm59?
or only 6000 X 0.3% = rm 18??

RM59 is correct. If RM18 might as well cut it.

wow bro.....u really know alot of different card T&C....
like that almost like 1%  only....
hmmm....still HLBB fortune more suitable for my current situation....
my annual spend rm72000 only entitle for rm880....if can spend annual rm108000,mean 1800bonus....
thx ya....

I only know the card info, but cant spend like you..lol..

my expenses mostly go to utility
tnb telekom n syabas make up 95% for my total swipe
i help pay for my company/parent in law/parent/club(persatuan)....
so jz get some pocket money for my free service lolx

cant wait for the card to arrive....still some bill waiting to pay....
think need 1week+ since i apply today....
thx ya for all ur info...very helpful clear all the doubt....
i go apply that time oso the customer service blur blur seee brochure only...this dunno that dunno...lolx

wow bro.....u really know alot of different card T&C....
like that almost like 1%  only....
hmmm....still HLBB fortune more suitable for my current situation....
my annual spend rm72000 only entitle for rm880....if can spend annual rm108000,mean 1800bonus....
thx ya....

This card is not for people who spend more than 3k, it's not worth it ... you should stop at 3k ... if you really really spend so much ... then better use 1)SCB 1.5k 2)this allieance 3k 3) I think one OCBC card got unlimited spending no cap at 1% but i not sure you need go check ... but i'm using HLB Essentials ... i think 0.6% for first 5k and after that 1% or something ...

I did think about break the bill to few separate card

Scb 1.5k = rm 50
Alliance 3k = rm 50
Any card 1% 1.5k = rm15
Rm1380 per year

But if fortune card is
Rm50 per month = 600
Annual > 68000 = bonus 880
Rm1480 per year

Correct me if I wrong?

Yes because they have no commission for selling CC thus they dont need to be familiar with the product.

my expenses mostly go to utility
tnb telekom n syabas make up 95% for my total swipe
i help pay for my company/parent in law/parent/club(persatuan)....
so jz get some pocket money for my free service lolx

cant wait for the card to arrive....still some bill waiting to pay....
think need 1week+ since i apply today....
thx ya for all ur info...very helpful clear all the doubt....
i go apply that time oso the customer service blur blur seee brochure only...this dunno that dunno...lolx

if i was not seeing wrong in Hong leong website, you were right

https://www.hlb.com.my/main/personal/cards/fortune-card

i think I will follow ur way, since aeon watami has no longer available.

you all are pro...    

honestly alliance bank will not became good cb card.you see the tier of cb% .
they are more in chinese tradional business man.
only for card usage rm3k montlhly are fit this card.

Make sure u spend min RM2k per month to get the cashback

At first I see 3% like very good offer.
Mana tau the tier like this. Zzzz
Should encourage spend more then more CB.
Dunno why alliance go terbalik.
Mayb scare of bad debt.
Spend too much but unable payback. Lolx
I see the T&C stated minimum card rebate is rm20. Mean minimum spend must above rm2000 to get cb. N swipe 8k per year for waiver.

lol. but still cb for rm50 if u pandai play.
is just ur card usage ikan bilis.
may b u are not fit this cb card.

some of user .

pay house ultiliy , family insurance,petrol dah 3k

At first I see 3% like very good offer.
Mana tau the tier like this. Zzzz
Should encourage spend more then more CB.
Dunno why alliance go terbalik.
Mayb scare of bad debt.
Spend too much but unable payback. Lolx
I see the T&C stated minimum card rebate is rm20. Mean minimum spend must above rm2000 to get cb. N swipe 8k per year for waiver.

*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.

max rm50 cb only for hlb fortune card.

Cash rebate cap at rm50 only
The best part is the annual spending bonus
>38000 get 280
> 68000 get 880
> 108000 get 1800

Easily get annual spend above 68000.
So basically (600+880)/12= 123per month.
Now have to find some extra swipe to make it 108000 for extra 1k. Haha

http://www.alliancebank.com.my/younique

hi
anyone using this card?
sorry kinda confusing with the cash rebate....
how come cash rebate % drop if u spend >3000?
mean spend more = less CB or any other calculation method?

Monthly Spend (RM) Rebate (%)
0 - 1,000                    0.50
1,001 - 2,000            1.50
2,001 - 3,000            3.00
> 3,000                    0.30
let say my spending rm6000
meaning like this?

Monthly Spend (RM)      Rebate (%)          CB
0 - 1,000                                0.50                    5
1,001 - 2,000                      1.50                  15
2,001 - 3,000                        3.00                    30
> 3,000                              0.30                   9

so total CB per month is rm59?
or only 6000 X 0.3% = rm 18??

*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.

max rm50 cb only for hlb fortune card.

Cash rebate cap at rm50 only
The best part is the annual spending bonus
>38000 get 280
> 68000 get 880
> 108000 get 1800

Easily get annual spend above 68000.
So basically (600+880)/12= 123per month.
Now have to find some extra swipe to make it 108000 for extra 1k. Haha

Lolx. More like the card not suitable for my usage.
Haha
Utility alone per month for company n house oso > 8k
Haven't count insurance petrol mobile n normal spend
This card only suitable for <3k usage