Guys just for your info:

5411 - Grocery Stores, Supermarkets
5422 - Freezer and Locker Meat Provisioners (not included by Wise, but by OCBC Titanium)
5451 - Dairy Products Stores (not included by Wise, but by OCBC Titanium)

5811 - Caterers
5812 - Eating Places, Restaurants
5813 - Drinking places (not included by Wise, but by OCBC Titanium)
5814 - Fast food

5541 - Service stations (not included by Wise, but by OCBC Titanium)
5542 - Automated Fuel Dispensers


4814 - Telecommunication Services (under Wise's mobile category, only stated the company but not the MCC code, so not sure is this MCC code accepted or not, but it is for OCBC Titanium)
4815 - Cable, Satellite, and Other Pay Television and Radio (not included by Wise, but by OCBC Titanium)
4816 - Computer Network Services (not included by Wise, but by OCBC Titanium)
4821 - Telegraph Services (not included by Wise, but by OCBC Titanium)
4900 - Utilities

Anyway, be careful with paying inside of petrol stations. Might not be accepted, since Wise only accepts MCC 5242 which is Automated Fuel Dispensers

Yup I think so too. In that case we can't pay inside . Have to revert back to my OCBC Titanium if I urgently need fuel and the pump credit card readers are down.

Anyway, to maximize the rebates from this card, it really pushes you to spend really 'Wisely'. Now I will need to alternate with my other cards in other to take advantage as much rebates as I can.

My current CC usage to maximize rebates:

- For all dining, petrol and mobile everyday, use HL Wise (10%) *Using Mobile, Petrol and Dining category, and assumption that i can fulfill RM50*10 transactions per month
- For everything besides dining, petrol and movie on weekends, use MBB Maybankard2 AMEX (7.5%)
- For groceries, drinking bars, convenience stores, other bills on weekdays, use OCBC Titanium (5%)
- For everything else, use MBB Maybankard2 Amex (2.5%)
- For everything else without AMEX, use OCBC Titanium (1%)

For the next quarter I will gauge my usage of the last 2 tier (2.5% and 1%) and if my usage exceeds RM3k per quarter, I will consider to Apply for the AEON Watami card, so I can take advantage of the 3% daily cashback for every retail transaction.

Btw, you guys know whether the RM50 x 10 transactions has to be done within a calender month, or within the statement month?