ok now it is clear to me. Looks like it is another good card to apply, besides the WATAMI.

First i thought , wah so susah.......... must swipe 10x in the restricted category only can get rebate..

Not necessary must swipe 10x in the 2 selected category, as long as we simply wipe 10X in any category we fullfil the requirement.
BUT 10% only applies to the selected category. i see this is not bad...better than if HLB insists must swipe 10x in only the selected category!.


Thanks celaw for making it clearer!!

As long as got 10%rebate good enufff la, even if we cant achieve the max, important thing is HLB allows us some laxity to qualify for the 10x swipe.........hooray!

NOW the question is how long is this 10% cashback promotion going to last?

This post has been edited by guy3288: Jan 23 2013, 01:01 AM

ok i just called CS - NO waiver at all, must pay annual fee and pay GTS That is a minimum of RM200 for gold card, platinum card pay more!!

so before get any CB already kena RM200 if u take gold card.

If later cash back cant' get max RM100 per month, may end up worse than our OCBC RM600 per card per year, mine is RM1200 per for 2 cards and also other rebates from my amex cards....

NOw this is something for us to consider.... if we have difficulty swiping all transactions on the seleceted category may be not worth rushing to get it as ronnie has pointed out....

First i thought got waiver wanna simply apply, now cannot simply take already must calculate properly first how much our CB will be since only seleceted category got CB... aiseh susah.........to calculate...

today went to HLB do some other things, the staff there told me to apply, said 1st year annual fee will be waived, i asked sure or not, she said she already called CS- 1st year FOC, so i signed up for the card.

I told her if i kena AF charge i wont take the card, she said NO AF for 1st year! CS also cannot agree with each other, tell different things to different callers.... sigh...

i chose the grocery and petrol, i think this 2 category easier to swipe 10X. Go tesco, jusco, giant buy till RM50 stop. then pay another bill easily can get 10x swipe.

only problem is the Wise swipes will eat into my PBB that requires 8- 12x swipes for that RM120 CB, promotion till 31.4.13.


now got so many cards, really have to plan to gain the max..........

my plan:
OCBC easy- pay TNB 1k 1k each done.
PBB swipe 8-12x first week only.
After that swipe WISE 10x petrol and grocery

Next - Amex all others on weekends, pay Telekom online. Balance weekends shopping,

WATAMI I am going to get too - swipe all others not in category above especially insurance premium where Amex/OCBC wont accept. Everything else also is acceptable to WATAMI as long as not instalment or finance charges etc., But The CS told me Petrol no 3% CB! So petrol is one exception in retail swipes..no rebate.

ok, deleted sent to general cc

This post has been edited by guy3288: Jan 25 2013, 02:26 PM

i aslo received my card today. Statement date 31st, so this CNY when i travel can easily get petrol RM50 x 4 already. Balance 6 swipes go for grocery from now till end of month should be able to get max CB RM100.

And came with the card is stated:
AF waived and GST rebate RM50 guaranteed after swipe 1x withinn 45 days. but only to new to bank card holder??

I called CS, she said AF is waived also for existing HLB card holder, but GST must pay.

This post has been edited by guy3288: Feb 8 2013, 01:18 AM

buying grocery, i split the bills orf RM200+ into 2 bills, use the same wise card to swipe 2x within 3 minutes.

would this be accepted as 2 transactions?

i think we better dont consider the split bills as 2 transactions.

However if you can do the grocery in 2 transactions at 2 different counters and arbiterary after an interval of 3o mins, i think that would be okay.

Definitely not the way i did it the other day, 2 swipes at the same counter , worse , within 3 mins only!

So make sure you add in another transaction as security measure.

..

This post has been edited by guy3288: Feb 17 2013, 11:37 PM

looks like i will be having same problem too for my March CB, i made my last 4 transactions on 31st Mach ......., luckily my Feb last few transactions were done on 26th and posted on 28th just in time.

It's good that you highlighted this now. I wont kena again in April.....

i looked at the statement, none of the posted date is same as transaction dates, all late by 2-3 days!!

dont know about the MAybank2kad Amex, if it is also same like this, i kena again, swipe few transactions on 31st........wont get RM50 CB liao...