First year automatic, second year case by case.
If they waive the second year AF, they will directly do. If they don't, you can call but still can't get it.
That's why don't trust what they advertise and boast around with 10% cash back. Considering AF and GST, you are getting 8.25% in actual. And some categories(like dining or spending in overseas), the chances of not getting cash back are very very high.
Or you can try to make noise every month once you get your statement. For the first 9 months of getting this card, I've been sending 15-20 of complaints. But I got AF waived.
And to get AF waived, there's no absolute criteria, I every month spend rm1000 sharp also can get but some people spent rm2000 also can't get.

This post has been edited by supersound: Sep 5 2014, 08:35 AM

Yeah, that's why my oversea's groceries transaction get rm0 cash back.
After complaint to them they bring me round the garden.

You can always spend some time and send them a message.

(b) will be the answer. But to have better tracking, make sure don't swipe last minute. Some transaction they may take 9 days to get posted.

Do understand what I said first.

For easier track keeping, 1-24th only.

Do not use WISE at overseas, you won't be getting cash back even you swipe according to your preset categories as they will play around with MCC.
MBB dual cards are more suitable card to use in overseas.

The problem is, they can provide MCC, how you gonna to answer on this?

Never, as I use other transactions(mobile) to get 8 transactions, follow by groceries in Doha.



Own self calculate. June missed out rm4 cashback.
July I don't know and happily swipe for stuffs to bring back to Malaysia.
And after I know they does not honor the cash back, I stopped using it.
Then on August the cash back also quite funny, guess only 2 transactions gets cash back.
So bottom line, stop using WISE in overseas. Am I simply making an issue on HLB? Guess not, as I'm sure lots of card holder do have such problem.

Should be yes. But if you are worry, just swipe 10X rm50 on other places then swipe rm20 and see.
My house nearby got 99 but I seldom go as less items and price not that cheap.

My minimum spending on 99 are rm0.10 most of the time

rm15 was the lowest I swipe before.
I show them my wallet got CC and no cash
So they have to approve also.

With WISE, I trust none.
My WISE card is being used by my wife in Malaysia for petrol.
Rather than I 15/16 on getting cash back on the categories I swiped, I just use my MBB to swipe.
As said, when a person can apply a WISE card, he already can apply for another bank's card.

Is simple : merchant refuse to pay 4.5-5% to AMEX, is a known fact. That's why MBB give 2 cards.
Carry on to protect your beloved cheating CEOs.

That's why you and me can only be a forumer, because we don't cheat.

Don't worry too much on this, you shall getting annual fee waived during your dream

MBB dual card. This is the first card you shall get when you are entitled for applying > 1 card.
But have to pay rm100 of GST, AMEX will have 5% of cash back(no restrictions at all, only restrictions on merchant due to they don't want to pay 4.5-5% of service charge, Master and Visa only charge 1-3%) on weekends. Not to mention 5X TP everyday by using AMEX. You can use the TP to offset the GST.
Some new card users are still paying rm50 of GST. When they charge you rm100, you can apply to get rm50 waived and the chances of getting waived are quite high, unlike WISE that will be wasting your time and phone call's charge.

Warrior, want to fish me again? I not that stupid wor..... But you may considered yourself lucky during your dream.

https://forum.lowyat.net/topic/592137/all
https://forum.lowyat.net/topic/2109975/all
http://www.malaysianwireless.com/2014/05/m...sked-questions/
Keyboard warrior(not you) detected.

CS usually won't really give the answer on the first time. This is their SOP.
If you are lucky, maybe ask for third time may get answer, mine even they send me a hard copy mail but still can't answer my question.
Ask you may or may not get the answer. You may not get the answer if saying something bad on WISE.

This post has been edited by supersound: Sep 27 2014, 06:56 PM

Not that advisable also on getting cash vouchers. Best still plan properly on your monthly actual spending.
Like my own actual spending are rm100-200(mobile), rm200-300(groceries) and rm300-400(petrol), so rm600-900. Have to know that groceries are hard to predict the actual spending most of the time as it may have offer(like Top 2.5kg selling for rm9.20 in Rapid or salmon fish selling for rm20 per kg).
So whenever have such offer, I'll just sweep it to meet the rm1000. Then push it out to my neighbor. Like Milo 2kg softpack you can push to coffee shops.

Have to see the code, just test it out.