we don't know, so far only one person reported here that he received af waiver for second year.

If you're interested in this card, just assume that AF is unavoidable from 2nd year.

I spent only 1k per month and HLB never charge me second year AF since my second year renewal in Feb 2014.
For Wise card, you wouldn't want to spend more than 1k, otherwise you wouldn't get the effective 10% cash back.
There isn't any officially AF waiver policy for wise card by HLB, you just need to call CS for waiver after AF charged to your account. Waiver is not guaranteed though.

If I'm not mistaken, only New to Bank Customer entitle for First year af weaver and the following af cannot be waived coz its a cb card, only points card can request for af waiver

Correct me if I'm wrong

Everyone can request for AF waiver. Its up to the bank to waive or not. For wise card, some will get waiver, some will not. The conditions for waiver is still heavily under debate and the truth is still not known for us here at LYN yet. In the coming weeks will be my card anniv so i shall inform you all here.

Nice rebate, I have reached max cap rebate for few months now on groceries.

Wise is actually a great cashback card, and particularly on groceries when GST starts to take effect next year.

i've been persuading my parents to withhold their grocery spending till at least RM50 before heading out to buy. Too bad, they rush to tesco/giant whenever they see promo/discounted price on newspaper, and each time spends <RM50 their basis is due to the promotion is not frequent and they want to get the best deal ASAP. adoiiiiii

asked them to budget 3x-4x RM50 in a month, and again their typical shopping mindset cannot change their spending behavior

Ask them to buy more of the items on PROMO to hit RM50 target... Instead of buy 1 Softlan, buy 5 bottles hahahaha

Nowadays, it is really hard for me to shop grocery for less than RM50... RM50 is getting smaller and smaller

can always buy voucher 1st and give to them

ya lor, that was my argument for them but they still insist/prefer on ad-hoc shopping spree Maybe i need to get a harness to tie them down


yes, my other point of argument too. it's relatively easy to hit RM50 for just 1 visit. shop from end to end, sure can fill up the RM50 quota per cart


good idea too. mostly they shop at tesco/giant/econsave for groceries, i might survey first whether these supermarket do sell vouchers at the first place

This post has been edited by cybpsych: Jun 10 2014, 09:48 AM

Giant & Tesco have cash vouchers for sale

Cant check account info. only me or everyone?

thanks ronnie!

make sure you buy and give the vouchers to your parents in rm10 x 5pcs instead of rm50 x 1pc. otherwise, if they buy less than rm50, the balance will be gone...

hahahha yalor! knowing my parents, i'd vomit first if they use RM50 voucher for amount lesser than that!

50% cashback also not enough to cover losses

aeon big has cash voucher card

Anyone using celcom line here? im thinking of using celcom aircash. mind to share is workable or not?

RM0.00 HLB Visa Credit Card: Congrats! You won Petrol Card frm Dream Cars In A Swipe Campaign.Call 0376268899 if Delivery Add is diff frm Billing Add by 12/6/14

Recived the above sms from 66600. From which campaign ah?

https://www.hlb.com.my/main/promotion/20140...-001-dream-cars
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