Can you explain further on the red statement? I can't comprehend that part.

Bro, how does the grocery category covers pharmacy (you mean inhouse one or pharmacies like Caring,Guardian?)

Any direct hong leong bank credit card banker here? Feel want to apply, recently get 2 banks approved my 2 credit card. Please Pm thanks

IF your total Dining spend >RM1000... you get 10% cash back max at RM100 only... the rest will reduce the nett cashback %

Hi, any Wise card owner tried split the bill payment into multiple RM50?

Split Maxis bill and split TNB bill same?

When you split the bill : Please do it on separate day payment to avoid being suspicious.

Eg.
Total Maxis Bill : RM159
Don't just pay RM50, followed by RM50, followed RM59

Try RM52, RM50, RM57 in month #1
Try RM55, RM53, RM51 in month #2

This post has been edited by ronnie: Nov 11 2013, 11:26 PM

Thanks Ronnie. You applied this method on Maxis bill too?

Erm.. if really works then I need to plan nicely then. Hahaha..

Yes... i plan every month. This is to avoid their HLB system to pickup "anomaly" not fool-proof (but better than none)

Recently HLB provide combo for extra GSC card. The CS told me online buy ticket can buy 1 free 1 but I didnt see this stated anywhere. Anyone have experience with online ticket purchase with HLB GSC card?

Say you have 4 dining bills at rm250 each ( total spent already rm1000), but you still need to fulfill the balance 6 x > rm50 in order to qualify for CB. So your total spent for the calendar month is rm1300 but the CB max at rm100. In this case, your CB is 7.69%

Tesco has Caring pharmacy inside. Prepaid soft pins are sold at the cashier. So grocery is actually 3 in 1 category.
Guardian can not.

OK, i know following year AF can't be waived, but the first year AF is auto waived?

That's right... and first year GST RM50 is paid back if you swipe once within 45 days from approval date

GSC card is entitled for B1F1 normal ticket when you purchase every Thursday.
Limited to 2 tickets per week.

The promotion is until early next year I think..

I been enjoying this for a long time, I must have said I saved a lot on movies this year.

i can foresee this card will be culled just like ocbc...

i dont think 10% CB is sustainable

Just make hay while the sun shines.
There is always better cards coming along.

This post has been edited by MGM: Nov 12 2013, 09:11 AM

Please don't croak like a frog..... do you want it to come true ?

Aikkkss, never thought of that. Thanks for pointing it out. So to fully utilize the 10% CB, the most practical way is to spend exactly RM1000 per calendar month. Only 2 ways to achieve that, either spend RM100 x 10 or RM50 x 10 + misc payment to make up to RM1000 spending, am I correct?

Hi there. Do you know how to pay SESCO bill online and get 10% rebate?

you can try yo pay here

https://paybillsmalaysia.sarawak.gov.my/ebp...dSWBSvc_gov.jsp

u must choose ultility to get rebate. actually i never try it before. for wise card, better choose grocery and petrol. thanks.

This is how HLB trap the card members and reduce the effective CB pay out %. The only way to achieve 10% rebate is to spend rm1k spread to more then 10 transactions in the selected category. But how many of us can do that ? Only LYN WISE card thread forumers can. Not all card members bother to calculate the actual effective CB and think HLB giving 10% is 'true' 10% and may not be sustainable.

On average, it should be far less than 10% due to non fulfillment of 10 x >Rm50 condition and card member spend more than rm1k.