What is the criteria to get 2nd year waiver?

https://www.hlb.com.my/main/promotion/20140...-001-dream-cars
Is your name appear on the list?

congrats bro!

wah congrats u must have spent big 

You didn't win the Merc   

Nice.. A real winner from LYN. 

That's was my thinking too. But the CS told me otherwise.

If this is so, I shouldn't use it the past 3 weeks.

just a info for sharing.
holding wise gold card since march/2013.
i noticed there is no annual fee charge in my bill until today so i supposed it being waved automatically.
But i not so sure how i can get the AF wave..

If no auto free waiver ma earn less nia lor. 

Yet this will reduce effective cashback.

Makes it 850/12,000 = 7.0833%

Still a bit better than Amex (5% + 2% in points) but not THAT much better unless you always max one or the other.

Once the annual fee kicked in, can i refuse to pay and terminate my card?

I've requested for a waiver but the CS mentioned it needed to be billed first before they can attempt any waiver. I have worries that once billed i must pay whether terminate or not.

Only accept cash?

Hi all,
I just receive the cash on call from HLB. The rate they give is very attractive for me to refuse (although I didn't really need the cash).
I took RM10.1k  with interest rate 3%. Also with 4 month interest free if took above 10k.
After minus the interest free month, the total interest is only 2%...which is much batter that Bank Rakyat.

Its 3% with RM12 processing fee. I don't really need the money, so just park it in ASB to earn dividend.

Its 3% p.a and the period is for 1 year , They have sent the confirmation latter after they bank in the money. I believe it still worth to take the offer and put the money somewhere else for higher dividend.
Previously I also took offer from UOB for 11k with 4% rate. Also put into ASB.

From the latter I received the payment for cash RM10.1k that I took is
1st 4 month is RM841.70
next 8 month is RM866.90

I also got the call from HLB, offer RM18.5K for 3% p.a. with first 4 months interest free.

payment 1-4th month: RM1541.67
payment 5-12th month: RM1587.92

total payment = RM18870.04
total interest = ~RM370

upfront processing fee = RM12

early cancelling fees = RM25 + the interest of the first 4 months.

dump the whole amount into my flexi home loan 

Hmmm, wonder how you get 3.9%... 
I got 2.12% base on the following...did I missed something?

((841.70*4)+(866.90*8)+12-10100)/10100 *100% = 2.12%

Yeah, BLR-2.4%

Yeah, BLR-2.4%

A thing to share from my friend,

He changed his category from dining to utilities on May and performed the transaction of utilities (pay TNB at payonline) on 30th April. The transaction was posted on 2nd May but when he received his statement on the first week of June, he found out that the transaction was not tagged with the category of utilities. However subsequent utilities transactions made in May were all tagged as utilities category so he doesn’t think it is the MCC code problem. He thinks that it was the transaction date that matters as in April his selected categories were dining and petrol, not utilities. He has raised this issue to HLB CS and they are still checking for him. I thought since the posting date is in May so he will get the rebate. But not in this case? So any idea what is the problem?

Anyone can reload touch n go card at grocery store or pétrol station to get 10% rebate?
Location Cheras/Kajang. Last time heard from others that MyMydin Bdr Tun Hussien Onn can reload, but now they only accept cash for TnG.