QUOTE(lchee @ Nov 12 2013, 12:30 PM)
Hi, i am planning to apply for HLB wise card. I already have MBB 2 card with AMEX.
My Expenditure monthly where i plan to get rebates from MBB amex and wise card:
1. TNB electric bill: RM100+
2. Maxis handphone about RM 150
3. Maxis home fibre about RM 150
4. Petrol about RM400
5. Grocery about RM300
6. Restaurant and pubs about RM 500 to RM1000
For wise card i plan to take mobile + dining + either grocery or dept. Ronnie mention something bout buy aeon voucher to qualify for 10% cash back. Is that under dept or grocery option? I very much like that, I like to buy metrojaya/isetan and parkson voucher too. But grocery i usually shop at either jusco or big c at mid valley, or NSK at kuchai lama or my neighbourhood market Sri Kota mart. Basically pondering which category should i pick, grocery or dept. Cause if i pick dept, then for grocery I will use my MBB amex, or if i pick grocery then MBB amex for dept.
Ronnie also mention about paying all maxis bills at the kiosk is best way? I work in KLCC, so very close to maxis tower. Since i have like close to RM300 for maxis (150 handphone and 150 home fibre), so i can make like 6x payments of RM50 at the maxis kiosk every month? The online easypay is not qualified for home fibre rebate right? So kiosk is the way to go?
Why not much ppl choose dining for wise card? I go pub a lot, sometimes dine around restaurant in KLCC for lunch. I suppose that is best category for me. Is there only specific restaurants that qualify? Does pub qualify? Hope you can help shed some light.
?
it is better for you to choose departmental since you like metrojaya/parkson/aeon.
yes, you may split the bills and pay at maxis kiosk to easily qualify for the 10% cash back. however, to avoid being suspicious, it is not recommended that you pay rm50 for six times in a row on the same day itself. it is more advisable that you pay with different amount on different days.
not many choosing dining because some other cc offering dining at better discount rate ~25% at selected restaurants. there is no specific restaurants that qualify for the dining option, just as long as they are under mcc 5811 (caterers), mcc 5812 (eating places and restaurants), mcc 5814 (fast food restaurants). pub does not qualify since it is under mcc 5813 (drinking places - alcoholic beverages, bars, taverns, cocktail lounges, nightclubs and discotheques).
since gold and platinum shares the same features of 10% cash back with maximum capped of rm100, it is more recommended that you choose gold since the annual fee is lower.
This post has been edited by victorywp: Nov 12 2013, 12:33 PM