i get the reabte from grocery even i use at teh small supermarket. one counter i swipe three times with Wise card oso consider three times.


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Which supermarket ?

i am from sarawak. here got many small supermarket like farley sdn bhd, singkwong sdn bhd, tai kiong supermarket, ngiukee supermarkat. this all are the small local supermarket which accept credit card. i get rebate from this.

i got 11 transition for that month. however only 6 transition is done at supermarket. other 6 is not. actually i buy a camera which cost rm300 somthings at retail shop. they don want to receive amex maybank. so i ask them to swipe 6 times for one purchase. then i gain 6 times transition for one purchase. hehe.

this month, i choose petrol and grocery. i alr swipe more than one thousand ringgit at supermarket and petrol. next month, i will get rm100 rebate. hehe..

Every month get RM100 free money WISE card will become the hottest card in no time.

Totally agree.. with Maybankard 2 AMEX + OCBC Titanium + HLB Wise = RM200 rebates every month
RM3000 spends gets RM200 rebate = 6.67% average cashback (excl TP calculation)

You still haven't apply ar ? Go get one la and share your user experience here

If include Amex's TP, it would be approx 7.50% cashback

But the AF would be an issue in the 2nd year onwards

don worry, i will cut the card at february 2014. see they want to waive it o not. i don believe other bank wont give any promotion alond the year. hehe.

Indeed. With an average of RM12k annual spent only, we may not stand on a good ground to bargain for waiver.
Come to think of it, after discounting the AF, the effective CB is approx 8.67% provided that you max up the RM1200 CB.

As you usual we can always cancel the card and they will beg you to reatin it

Finally got my March CB - RM82.00
I have 3 transactions on 30/31 March were not counted as they have posted dates on 1/2 April.
I presume these 3 will be counted as April CB and posted on 28May. Can anyone confirm for cases of transaction at end Feb?

Hence the CB basically just based on posting dates within calendar month. (Similar to Amex)
If this is the case, why only post on 28th of the following month?
It is either HLB is far from efficient (Amex post CB on 1st of following month) or they just want to retain customer longer.

It does take additional planning/monitoring if one want to maximise the CB.
Now that my April swipes are done, got to wait for 28May, Oh...
But, at least it gives a handsome 10% CB up to RM100 per month.

Do post your Cashback over at http://forum.lowyat.net/topic/2057567

Anybody knows how does HLB calculates its 10% Wise Rebate ?

Do they add all transactions in the same category x 10% --> Round Down to nearest RM ?

Month end tranx posted in the following month will be counted in the following month. Confirm.
The only reason to delay CB payment is to curb last month purchases but return goods to the merchant early next month, so that actual CB adjustment can be made before 28th the following month. Most hypermarkets have min 7 days refund policy on non perishable goods.
Mbb Amex omitted this loophole.

Each of the three opted category will have its sub-total x10% and rounding to nearest 1 ringgit.

Round up or Round down ?

Both ways.
Rounding to the nearest 1.

How possible to be both ways ?

RM11.80 = RM11 or RM12
RM11.50 = RM11 or RM12
RM11.20 = RM11 or RM12

Aiyo... U returned all the mathematic terminology to teacher ar ?

Rounding to the nearest 1 means
RM11.80 = RM12
RM11.50 = RM12
RM11.20 = RM11

This post has been edited by aeiou228: Apr 30 2013, 12:15 PM