I just realised that if we spend RM50 above on other categories that are not chosen without our 2 categories, then we're actually getting nothing from those RM50s expenditures =[ So, we have to maximise the chosen categories' spend if we don't want to have to pay more on others in order to meet the 10 swipes.

One question, hope someone can confirm for me. If I were to pay for purchases made in places like optometrist shops for sunglasses...it is basically useless since that place doesn't fall under any category, correct? If yes, then I see why I need another card that will help to cover expenses that are not within mainstream areas.

[quote=sovietmah,Jan 9 2014, 06:11 PM]
Rm50 transaction include non-selected category or selected category too.

[/quote]
[quote=victorywp,Jan 9 2014, 06:32 PM]
if you spend rm50 on other categories (besides your chosen 2 categories), you will not earn the 10% cash back for it, but it will be counted and help you to achieve the min monthly rm50 x 10 transactions.
Ya...it helps only in term of swipes =[

[quote=victorywp,Jan 9 2014, 06:32 PM]
for all transactions outside the categories like optometrist/car service/insurance/education/etc, just use other cc like aeon watami 3% or ocbc titanium 1% or hlb essential 1% or etc. of course mbb2amex 5% on weekends too if amex is acceptable there.

[/quote]
[quote=aeiou228,Jan 9 2014, 10:43 PM]
Not totally useless, at least it helps to achieve the 10x >rm50 requirement.
Depending on individual spending appetite, some just need 1 credit card, some need more cards to cater for different type of spendings.
For cash back card, the best combination is
Wise 10%> Mbb2amex 7%> Watami 3%> Alliance Premium debit card 2%

[/quote]
Thanks for the additional suggestions I need to cancel some cards to make way for other cards in the future seeing how one card won't be enough to cover my areas. I hope to only keep about 2 cards, but looks unlikely.

Some cards I feel pity to cut cuz they give discounts when you go shopping, hehe.

After getting this card, it's making my head spin trying to keep up with the number of swipes and the categories, etc. Fuh, really need to be used to it or else can really get hotheaded easily...

I bloody hate HL CS...if it wasn't for their 10% cash back, I swear I wouldn't have applied!
The one I just got, he never listen to my questions properly, telling me things that don't matter, can't even do a proper verification, and at the end just want to quickly hang up and said I'll get my manager to give you a call back.
I just wanted to know something simple, like that also so susah. Geram!

Yup, I did. Don't like things like this slipping away.

Don't wanna burden my fellow forummers mah

Does the statement get sent to your email every month or do you have to login to HL Connect to download the statement? I haven't gotten my Jan's and calling up their CS is the worst experience ever. I don't even know when to pay, what to pay and can't even see details.