RM50.01 is always my pump figure... Dunno why the meter can't stop at exactly 50 !

You may wanna check HLConnect. If the transaction is listed as AEON SMKT, most probably grocery. If listed as AEON , 100% under departmental.

If they are selling grocery, most probably it is. Even meat store and chinese medical shop can be listed as grocery. Why not mydin ?

Maybank machine will always display MBB VISA, for all visa card transaction.

For peace of mind, better make >10 transactions in a calender month. Nobody wanna be a victim of technical terms!

I got a feeling that user like me who never spent outside category, will not get AF Waiver.

To be truthful, there ain't any card around that offers 10% CB on dining. OCBC Titanium used to offer CB on dining but they cover the complete set of MCC for dining which is MCC 5811, MCC 5812, MCC 5813 & MCC 5814. This isn't the case for wise card where MCC 5813 is omitted!! So CB is not earned on MCC 5813 merchant. Based on my experience, MCC 5813 doesn't only include bar/ disco/ drinking places but also at non halal restaurant and restaurant that serves alcohol. That is why i always try to ask the restaurant their MCC status before paying ( but most of the time the cashier is dumbfolded by my questions !! )

Of course not!

Why not? My category is grocery and dining but i also get 10% CB on petrol and utility too.!

Yup....and i use her card on no signature transaction eg petrol and tnb kiosk.

For Jusco it is down to the individual store really. Mostly it is determined by the location where CS is located. If CS is in supermarket, most probably it will be 'grocery'. If CS is located at other location, then 100% under 'departmental'. I'm only sure voucher bought at Permas Jaya , Johor is under grocery. Nontheless, i'm sure that most other store will be listed as departmental.

If qualified, it is better to apply for this card as a principal cardholder. More value and benefit as compared to the supp cardholder.

If you frequently max out the CB, then no point getting a supp. In fact this wise card is one of the worst, as far as supp cardholder is concerned, IMO.

If the card is expiring in June, now is the time to negotiate with retention. Once AF & GST kicks in... Have to pay then

Should be a no waiver for me as well, i will pay the AF. Earning CB of about 1k /year is still a good deal after all. Although this is the only card i have to pay to use it .

Judging from the situation, someone will get AF waiver, some will not. No clear answer as to how to get waiver . HLB is indeed special

There ain't any adjustment to posting date. Only late posting exist. Bank would want to charge everything in the first place, if it is possible.

Did you ever made a manual transaction when the EDC terminal could not be used and the cashier have to call the aquiring bank to get the approval code and swipe your card using the old style imprinter and you sign your purchases on the old fashion slip. That would take at least a month to post !

If it takes 9 days to get posted, the fault lies on the merchant. Most probably they lost your signature slip and found it a week later, resulting a pending period of 9 days.

To be honest, i'd be very glad to have transaction posted in 9 days than in 2-3 days.. A transaction posted in 9 days have a potential interest free period of 59 days !