does the 10x swipes must be happen on 1st of month to end of month or depend on statement date?

3.
How do I earn the 10% cash back?
 
Just swipe a minimum of any 10 retail transactions monthly (minimum of RM50 per transaction) to activate the 10% cash back on your selected cash back categories.

so it is based on monthly right? not statement date

Damn ! I checked again, only listed 2 of my CASA accounts as payment source for IWK. My OCBC Ti not listed as payment source.  Got to give OCBC a call.

Thanks codeiki and MGM for the update.

I can reconfirm : I paid IWK with OCBC Titanium MC since 2011

One WISE man's meat is another UNWISE man's poison.
If you can't achieve RM50 x 10 transactions, don't blame HLB for coming out with the "10-swipe rule".
We believe WISE people like me, tbheng, herc, and others have "outsmart" HLB each month without fail.

    im fully enjoying my RM100 rebate every month.. 

Haha !  I think you need to write  an article to teach some of our friends here on how to split mobile, grocery and petrol credit card charges in your blog liao.
I think my total wise card cash back now is enough to buy a new iPad mini with retina display. Next year maybe can upgrade again to iPad air 2 with a small top up. 

I enjoy 3xRM100 monthly, never fail, 

HLB already listing their T&C clearly, if you can't meet, just stay away from it

Since many of you are interested to know whether the AF is waiveable or not, here is the "preliminary" good news.
My card anniversary is early Feb, so I called up HLB for AF waiver. I was told by the CS:
"" Yes, I can waive the annual fee for you but I can't see the AF charges in your account yet. Please call us again after you see the AF charges in your statement, then we will be able to waive it for you.""
I reminded the CS again that mine was a WISE VISA card and CS reconfirmed, Yes is waiveable. 

I will take this good news with a pinch of salt first before I got my AF waived. Wait for my good news after CNY.

I think i received RM160 annual fees waive and also RM50 government tax waive from HLB.
I just called them, they explain to me like that.

Anyone can confirm this?

this is a very good card
i almost contemplated in cancelling my blue/green visa cashback platinum(fake platinum) from citibank for this card.

i changed my mind because the customer service is very bad
they put me on hold before i can speak to someone for a long time
i don't mind pressing 1, 2,3 to select language etc
but i expect to speak to a human within 1 minute.

bad CS experience could be a one off encounter, giving up a very good card just like that? The card that gives 10% Cb, you can't find elsewhere.

How about annual fee? u managed to get it waived? thx

You should just say "please cancel it then"

it looks like you can't see the cash back online for HLB Wise, guess have to wait for the paper statement

based on this info, the most minimum amount to spend in order to get rm100 cash rebate is rm750.

1) rm55 x 10 times = rm550 = rm60 cash back (rm6 x 10 times)
2) rm5 x 40 times = rm200 = rm40 cash back (rm1 x 40 times)

total = rm750 = rm100 cash back

super kiasu counting!   

extra work but save rm250 monthly (rm750 instead of rm1000). 

I choose petrol + grocery + mobile(default)
Rest are done by my MBB dual cards.
My total monthly spending are only rm1000 or lesser most of the time.
But all people need to buy grocery, so I fill the quota by buying Top detergent(2.5kg) for rm9.90(after rebet about rm9.10) and sell back at rm9.90 also. So in actual, I'm getting each month rm100(total rm1000 spent) + rm8(sold 10 bags a month)

You see, most people(including you) will have a wrong preception that WISE offers 10% of cash back. In actual, you need to pay annual fee(rm160 for gold)+GST of rm50. So make up to rm210. Assuming you swipe rm1000 sharp every month and get back rm100, it will be rm1200(max cash back).
Deduct the rm210, cash back you get is rm82.50 a month only. So in actual, you are getting 8.25%. So for rm9.90 Top detergent, it is ~rm9.10 actually.
That rm8 I get is from the Top detergent I sell to my friends/relatives. With this rm8(or more if I can sell more), I can use it to pay my water bill.
Lots of people asking why I need to spend so much a month? Now my house's storeroom are full of Top detergent.
I just give them an answer : I spend rm1000 a month, I'm only paying rm9++, so my ringgit is slightly bigger than your ringgit.

tbheng Has your GST & AF charged yet ?

HLB Connect going to get a fresh make-over come 8 March (3pm onwards).
Let's hope we get eStatement option for CC