it's easy to maintain. free for life with no annual fee. no minimum spend but maybe you may want to spend enough to get the sufficient tp to redeem your gst.

You should get it as your first card if you staying around Klang valley.

May I know what is the card as your first card??

Make it this way, bank are making money from the CC, either 18% interest or 1-3% from merchant. So the more we spend, the more they make. They shall not charge us anything from this.
OCBC last time do waive rm50 GST and annual fee(most bank will auto waive anyway) but with certain T&C.
MBB's TP for me I don't really care for it as I will control my spending at rm1000 a month max.
And if you are using lots of fuel, why not take HLB's WISE? It gives 8.25-9.6% of cash back which is highest among all banks.

There you go.

That's why I said 8.25-9.5% of cash back. rm50 per transaction are not hard.
Also, you got total of 3(2+mobile) categories to choose from. I choose petrol, groceries and mobile. Petrol you can always refuel earlier, like now your transaction each time rm90 for 6 days, then you need to visit petrol station every 4 days.
My way on hitting 10 transaction, use as reference :
mobile spending every month : rm150-200
petrol : rm400-600
groceries : rm200-400
cash back are calculated based on transaction month(really have to take note on this)
1st week I'll swipe 5 transactions, 2 on petrol(mine and my wife), 2 times on groceries and 1 time mobile.
2nd week another 2 transactions on petrol and 1 groceries
3rd week case by case(should be another 2)
4th week 1st half will target hit the rm1000, will top up petrol to full again(since hit 10X so can be < rm50) and balance will pay mobile's bill(usually will pay more if possible)
To keep it simple, you need to have strategies on using this bloody card

This is MBB2 thread. Please discuss this at the HLB wise thread.

People ask, I answer.

since you use petrol about rm400 then you just need to spend rm100 could be mobile or groceries/utilities category and you would get your rebate with wise card

general rule of thumb: if no high spending, then dont spend so much just to get the cashback. dont get another card for the sake of getting more cashback.

no limit on merchants, including online transaction such as Paypal (non-MYR). Cashback is purely dependent on transaction date that is performed during weekend.

as long as able to swipe, the transaction is successful, u will entitle 5% Cash Back

at the upcoming treats fair (as mentioned above)...