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 am from mukah. i get the rebate from this small supermarket as long as they accept credit card. however, beware of there departmental store, like daesco, i buy at their deasco supermarket and i get 10 percent rebate even they say egg need 2 percent charge, i oso use creidt card. i alr get the rebate for two month. however, when i use at daesim at market there, no 10 percent rebate due to they register under mcc 5311.

you cannot ask for the mcc code before you use the card. after i swipe the card, i confirm with hongleong cs that singkwong, farley, tai kiong, nguiekee mukah, daesco hypermarket, gaint super/hypermarket, medan mall supermarket, delta mall underground supermarket is under groccery mcc code and i get the rebate for it since i get the rebate for three month alr. i didnt try at everwin supermarket since they need speng rm100 for using credit card.

since you r using mbb amex also, i share with you that the place at sibu, sarawak which can use AMEX.
1. digital camera shop at the entrance of sanyan,
2. toy and baby equipment shop besides ngiukee or yamyam cafe,
3.water dispenser and acceceries shop at bus station,
4. gaint,
5. all petrol station,
6. parkson,
7. premier departmental store,
8. tanamas hotel and restaurant,
9. wetrac auto service in front of farley food court(2 percent charge and u may ask him to offset it),
10. sengheng, court, guardian besides tai kiong and medan mall only(gaint and sanyan guardian didnt accept it), all watson
11. some brand shop like vincci,
sorry RONNIE to post mbb 2 card here. just want to share something with my sibu sarawak guy. can you pls update it at you mbb website for sibu sarawak. thanks.

Not too sure. 24k (for gold) if my memory serves me well.

RM 24,000 p.a for Gold & $36,000 p.a for Plat. card

i lost my wise card yesterday. i call to cancel the card. they say will penalty rm50, how can i waive this rm 50?

normally, when i can get the card? i ask them send to HL branchs.

thanks for your advice eddievh. i will do also if i lost the card again. this month, i think i cant do 10 transition to get 10 percent rebate. nw only can use my ocbc and amex.

Hjebat, sibu open a new kedai 1 malaysia, it under grocery i check alr. i think they also accept amex but i didnt use it yet.

All my cards (Wise,MB2Kard,OCBC Ti,Watami,etc) due at month end to optimize my cash flow.
Though a bit inconvenient to calculate monthly expense and monthly CB according to calendar month, but I figured the cash flow outweigh the convenience. Just keep in spreadsheet to monitor CB utilized. I am tracking all my transactions anyway.

This is crazy...I went to three branches of HL and experienced unsatisfied services.
I've obtained the credit card application form and it's so thick!! May I ask if the normal way of applying is through branches? Is that how you guys did yours?

Do you know whether there's any free gift that they can give for new application? I wanna wait for roadshows but no idea when there would be one.

Mine seems to be the same one as yours, but it's 6 pages of application form and additional 8 pages of infos.
This is thick to me because I didn't have to fill in so many things compared with OCBC, Citibank, SC.

Did you get any gift with your application? =) And have you heard from them on your status yet?

Thanks!

take care on the departmental store. sorry, i never go to departmental store at supermarket like ngiu kee & everrise. normally i go parkson and sibu priemer for departmental store and use maybank amex to pay it. it will be entitled 5 percent and 5x point.

    dont choose departmental store category, i use at medan mall supermarket departmental store once and it didnt get rebate under groccery. i call cs and it mention it is under departmental store. even i choose departmental store category, it oso no use. departmental store category onli for big company like jusco , parkson and so on, not rebate according merchant code.

    So, wise person use the wise card. in sarawak, the best category is petrol and groccery plus mobile. you can buy at any supermarket which accept credit card, pump petrol at automated petrol pump to get rebate. for mobile, i use digi line, i pay bill and reload my prepaid line at digi website before and get 10 percent rebate. if you buy the phone at digi website, u will get 10 percent rebate oso.

    hope this info can help all sarawakian.

The disadvantages of dining category are:

Other CC get better discount than 10%
Some outlets MCC code may not entitle to CB and you can only find out in your next statement.
Must "eat" at least RM50 if you haven't qualify 10x >RM50 in a calender month. ( your makan buddy sure happy liao)
Too many dining bills larger than RM100 each bill also disadvantage to you as it will reduced the 10% CB effective rate.

Anyway, since you don't do grocery, otherwise grocery category actually covers pharmacy and mobile prepaid too.

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%

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.

No problem maxing out the CB with the current inflation rate in Malaysia.
Next in line is Mbb Amex @ 5%+2% then Citibank CB Plat @ 5% or 2% then OCBC Ti @ 1%.

You can actually achieve >10% net by spending less than RM1000 and get RM100 cash back.
This is because HLB uses round up to the nearest RM, and breakdown per category chosen
Eg.
Mobile Bill : RM205 (gets RM21 cash back)
Petrol Bill : RM505 (gets RM51  cash back)
Grocery Bill : RM275 (gets RM28 cash back)
Total Spend : RM985, Cash Back received : RM100
Nett Cashback = 10.15%

Yes, getting >10% effective return is very possible. I achieved 10.09% in Sept; 10.05% in Oct (projected), aiming for 10.15% in Nov. 
All other months I got between 9.91% to 10.00% effective returns.
But, you got to know what, when, how much you are using this card to max out the benefits.
As pointed out by ronnie, 10.15% would be the highest effective return.