was thinking to apply this credit card once i tot of doing this:

eg: phone bill, rm160, pay 3 times rm50 (in order to be able to swipe 10x per month, else i cant reach it)

does this work?

however, got put off when i see that annual fee cannot be waived, izzit true?



This post has been edited by cempedaklife: Sep 10 2013, 12:19 AM

ronnie to the rescue again!!!

got ya on the annual fee. not sure on whether to apply or not then..might as well wait a bit until someone reported so. since i already have 2 of the best cards (u know which )

once again...thanks ronnie

i'm thinking to apply this card and pay my rm1xx.xx phone bill twice, with the amount halved each time

cool!!! got the confirmation from ronnie is really assuring..
gonna give it abit more read and apply soon i guess...
if that's the case, within my family already can achieve 6x transactions just for mobile..

the drawback is the annual fee cannot be waived, it's a pain in the arse...i don't mind GST though.

seems like from the hlb portal, the online application has no options to tick for WISE card? how did u guys apply? go to branch?

1) from what i hear from the branch just now, u can cancel the supp card after 6 months
2) there is always 2 GST involves, rm50 for principal card, rm25 for supp card, it's the general rule from BNM

bear with me if this was answered, i just started lurking in this topic:
1) UNIFI is considered what category?
2) Streamyx(with phone line) is considered what category?
3) Insurance is considered what category?

This post has been edited by cempedaklife: Nov 14 2013, 03:20 PM

ronnie, time to boost up this thread like what you did for ocbc

personally request for page one to be updated with more details like:
places where we thought is 10% but not.

i've read through all the pages in this V.
and here are my summary (please correct me if wrong), maybe can update 1st page.

- the 10 swiping per month is based on posting date by vendor, not transaction date
- AEON Supermarket doesn't fall into Groceries or Departmental Store
- no bill payment on HLB portal
- pay maxis via easy pay, maxis kiosk (kl sentral/gardens), reported can pay with payonline.com as well
- maxis fiber via maxis broadband portal, reported can pay with payonline.com as well
- TM no cashback
- UNIFI no cashback
- TNB no sucessful cashback yet???

i'm not sure, i saw that conclusion somewhere here...

Last time I use excel files to track transactions and cashback for my credit cards as well.

Now I track it using google docs. Pretty much same with excel. Just that it's on the cloud. Can check with phone or using other ppl tablet and pc. Instead of tying to my own pc at home / office only.

Much better.

for me ... i copy manually..not an issue for me

sorry...i mean key in manually

yes...

Just got my WISE card. Both principal and supplementary cards. Woohoo.

Yup. If 2 main cards, u will get one card's GST waived only. That's why I choose supp card instead for the thermal pot. Coz it cost rm 25 only

i didn't even knew about the 15k BIG points

2 weeks +

of course u get charged with interest..
u think bank simply let u owe them?

no idea...i would never ever let a bank to have the opportunity to charge me late payment..so i dont bother the details about it

wow..just wow....all my transactions for the past few days are not posted yet at all in the online banking...

is HLB really that slow?

cool....thanks for the confirmation then, u should have shared it earlier...