MBB's master/Visa I can say is useless, I use it for installment plan only.
Yup, using CC to swipe cash using your way are good. I can say inside that rm1000 I spent on WISE, rm400 is I helping my relative to spend

I don't fly often

When doing renovation, I use cash. As most of the time those ID or renovator that accepting CC charge higher than normal.
A rm1000 job they over charge you for rm3000, get back rm30 also can't offset another rm1970 lost
If you insist on what to get slaughter, OCBC's 1% unlimited will be good for you.

I see, then still OCBC for your case, unless you want to shop at SenQ(or other higher price shop) which should be accepting AMEX. Those smaller shops I think they don't accept AMEX.
You need to have strategies on getting max cash back from this. As most appliances sure cost > rm1000.

Statement amount are based on posting date, cash back are based on transaction month.
Better change the cutoff date to end of month, easier to keep track.
Because last time I confuse on this 2, I missed the maximum cash back.
My cutoff date are end of month. Just say, I did a rm 100 transaction on 24th last month, the merchant only post it on 31th(which over the cut off date) which I hit the rm1000 on this last transaction. It won't appear on current statement, instead it will shown on next month's. So for last month's statement, I pay lesser at rm800(rm1000-100cash back-missed transaction rm100) but next month's statement come, I'll pay more at rm1000(rm1000-100CB+missed transaction).

Should be not classified

Should be able to do so, but your cash back may be affected. At least OCBC last time when i change the date I do lose out some.
But WISE's cash back are calculated base on transaction date, so should not affected.

rm50 can already, but not rm49.99
You have more to learn on using this card

This post has been edited by supersound: Apr 18 2014, 02:20 PM

I don't see there's any problem with it, as long as you swipe 10X first and make it rm1000 sharp every month to enjoy maximum cash back

I tried this before but getting rm99 only. So I still spend rm1000 sharp every month.
Now the next problem arise, I'm going to Qatar next month.

Mydin confirmed yes.
And make sure you buy the offer price stuffs.

I only buy when rm4
But rm4.39 still ok, as I guess it won't be at rm4 anymore

Without proper guide, you may not able to hit maximum.
BTW, just keep this mind, petrol you must use the pump's credit card machine to swipe, use inside the counter won't entitle for cash back most of the time.

That credit card machine have to see how the shop owner register. By right registering under petrol they will be charge 1% while other category will be 2-3% and AMEX 4.5%
Like in PD/Lukut, there's only 2 Caltex petrol station and I always top up using Caltex.
During that time I don't really know on this and each time the statement comes, the transaction done on those 2 station got 1 sure 0 cash back while another sometime got sometimes don't have.
Then I rule out those 2 stations can fly kite and go to Seremban station.
And still I can't get max cash back. The difference is sometimes I swipe from pump and sometimes at the counter.
At counter cannot get and at pump can get. So now I always swipe at pump only and no problem on cannot get cash back

Nope, transaction for cash back is based on transaction date, not posting date.
Still, that 2 "missed" transaction you have to pay on next statement

Are you sure, send a message to them and ask them on this. I already hit by this few times already.

We would like to inform that the cash back will be calculated at the end of each calendar month and will be credited to the principal cardholder’s account on the 28th of the following month.

Please be informed that eligible transactions in a calendar month are counted based on posting date in order to earn the rebates.

We trust the above clarifies. Should you have any other query, please contact us again.

Thank you for banking with us. We look forward to serving you again.


Yours sincerely,

Tan Chiew Yen
Customer Relationship Officer
Hong Leong Connect
Hong Leong Bank

This is the reply I got from their officer.

After the first reply, why the transaction on 27th-30th/31st are not entitled for cash rebet?
This is the stupid question I ask.
Am I bullshitting

You can swipe rm10 for the first few transactions and before end of calender month, must have 10X rm50 transactions.

Nope, you are totally wrong on this, the first 2 transactions will be March 2014's cash back which will be in April's statement on cash back. But pay the amount on April's statement.
BTW, no point of arguing on this, just try your best to deny what the HLB's officer said. If you are not convinced on my statement, do try again your better excuse to deny the below statement(copied from FAQ)
16. Are the retail transactions in a calendar month are counted based on posting date or transaction date?

Retail transactions in a calendar month are counted based on transaction posting date. Cash-Back is awarded based on the total posted Ringgit amount of eligible retail purchases charged to the Wise Card.
Am my explanation confusing? Maybe for some that with intention to be confused or want to deny my statement.
As stated clearly already, cash back are calculated based on transaction month or calender month.

Ok, before you hit your self bad or make your self really stupid, why not give call center a call or send them a message? Then let's see who right who wrong?
Transaction posting date means the date you do a transaction.
And posting date means the merchant submit their claim

He still need 4 transactions, he can follow you and do another 2 transactions only. If he get 0 cash back, you pay him that 8 transactions cash back, is this ok for you
The FAQ stated clearly already(and they are updating every now and then), cash back is calculated based on transaction month. Do understand this first before denying me.