QUOTE(victorywp @ Mar 31 2014, 06:08 PM)
that's called
FULLY subsidized!
small potato also can give subsidy?
anyway, the category to be chosen really depends on each individuals. choose the correct category that suits you the most (which you can benefit the most from it).

QUOTE(Wongchoy @ Mar 31 2014, 08:10 PM)
If utilities category include TM /
Unifi then more ppl will choose

QUOTE(onnying88 @ Mar 31 2014, 09:07 PM)
I thought normally house with 2-3 aircon will easily get bil of rm200+ per month already. So for me better choose utilities that need to pay every month. Groceries we can have many place to get like
mini market and wet market that can't use card to pay.
As you said, it's depend and different for everyone.
now these 3 reasons are my main reasons why HLB Wise is not suitable for me
as
victorywp mentioned above, choose the card/category that benefits you and meets your spending pattern.
jelly with HLB Wise cardholders