If your statement date is 18th , it only means your payment due date on the 7th or 8th of next month! Your monthly calculation start from the 1st of every calender month. You accumulate your transaction throughout the month until you reach 10 transactions of minimum RM50 posted into your account, then you qualify for CashBack ! At the last day of the month, your qualifying CB transactions that has been posted will be calculated and you will get the cash on the 28th of next month.

This post has been edited by Wongchoy: May 12 2014, 05:48 PM

We can try to compel a list of AEON store which sells vouchers under grocery. AEON Permas Jaya CS is under grocery because they are selling Marmite & Bovril on this counter !

With the recently launch of Public Bank Visa Signature which cover grocery dining and online transaction, do you all think this is a worthy upgrade from wise card. My wise card anniv is coming late June and i'm considering my options now. As some of you might be aware, my wise category is Dining and grocery so it is sort of a direct replacement. The benefit of PBB AF waiver leaves me a positive impression about this card. For the past year, i have enjoyed the wise card benefit so much, that after OCBC Titanium is converted to 1% and i duly cancelled it, i do not hesitate to apply for a 2nd card thru my wife name for utility and petrol usage. I would also not maintain both cards since my spending on dining and grocery is less than 1k a month. But since AF waiver for wise card is not guaranteed, I'd like to hear from you. Get PBB VS or maintain wise card and hope to qualify for AF waiver. Thank you

This post has been edited by Wongchoy: May 19 2014, 10:12 PM

It will be close to 10% if AF is waived

Mine no problem wor.

Having thinking all night, i have decided to apply for PB VS and maintain my wise card. Having both cards will enable me to judge which is a better card. PBVS is absolutely free for the next 12 months . And best if wise AF is waived. But since i never spent outside grocery, dining and mobile bills on my wise card and i pay in full every month, The possibility of waiver is very small indeed !

Yes, go ahead with your payment.

I'm afraid HLB is quite selective in issuing wise card. It has gained the reputation of one of the toughest card to get alondside MBB2 . You may try though.

This post has been edited by Wongchoy: May 25 2014, 09:32 PM

The factors might include high spending value, high transaction volume, high overseas usage, high usage outside your category, being a good paymaster, have paid a significant amount of finance charge etc... But still overall the answer is only known to CS and we could only speculate. I have been contemplating to cancel my wise card because of this issue but i decided against canceling it for the time being .

You are right, for spending above 1k this is the worst card around! Not that i wanna 'kutuk' but at least HLB should at least give us points for that sort of transaction. BTW i have refer to HLB CC app form. Subsequent year AF is NOT applicable to Wise CC .There is no AF waiver for 12 trnx made in 1 year.

This is a wise move by HLB itself. Excluding MCC 5541 Service Station and MCC 5813 Drinking Places for obvious reasons

If i get my card so late in the month, better go The Store and make 10 x RM50. At least trnx there can be posted the same day

Principal card, maybe. Supp card, definitely the worst!

Unlike wise card, MBB2 pays last month rebate now... Wise card have to wait till end of the month !!

Rebate for May will be paid on 28 June.

Yes.

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

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.

Yes!

Let say you will cancel your card on 30th June. On the 28th June, your rebate for May will be credited. On the 28th July , the rebate for June will NOT be paid to you because your account is cancelled already.