Get gold enough already, platinum you need to pay extra.

Is it? When I applied, I choose gold, even my salary are close to 3X of the requirement. Guess you are applying from shopping complex, right?
You need to swipe 10*rm50 to entitle for the cash rebet.

Yes, but I never do this, since I choose others.

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)

Answered by others
And Top detergent 2.5kg(or 2.65kg) when selling at rm9.90, it will be like hot cake. But friends I sell at rm9.90, relatives at rm9.50.

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.

Emmm, I always keep stocks in storeroom usually, as certain items don't have offer sometimes. It will become handy when you need it. Like Dutchlady UHT milk will be good example. Whenever they give rm4 per pack offer, I'll buy 1 big box since every month I drink about 6 packs. So can last for 2 months. Normal price is rm5-6. Got other stuffs also. When got offer price, I just grab. Then whichever I can use, I use, else just sell it back at normal price.

Yes and no.
Yes as I still get back physical money(rm82.50 a month) and rm8.
As I calculate based on rm12000(1 year) usage, I'm getting back rm990 after the rm210.
No will be like you said.
Is all depend how we see it.

Spend wisely, this is my concept. Our money are getiing smaller, so have to look for ways to keep it big.