AMEX is charging 4.5%, so not all merchant want to register for this.
Visa/master only charge 0.5-3% depending on total transactions.

Dinning category in Wise card is a "trap" category. Reasons being:
1. Difficult to control the dinning bill within average RM100 per transaction.
2. Can easily spend few hundred ringgit in one transaction, thus you need to spend more than 1k in order to hit 10x transactions.
3. You wouldn't know for sure the restaurant qualify for CB or not.

Better drop the dining category and save the dining chargers for other CB card like OCBC or Amex. These 2 cards can get good upfront dining bill discount from 10% to 20% at quite a large selection of restaurants

I think this info should be edit into CONS or shame list info on the 1st page .

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 !! )

Yeah, you're probably right on this one.
Currently, I have AEON Watami card (cash back of RM50 per month already maxed out) and also MBB 2 cards AMEX (which I usually use for overseas business trips to maximise the 5x treatpoints, and also weekend shopping at AEON Jusco for the 5% cash back).
The Wise card is currently used for Mobile, Petrol and Dining, which by my calculation of my normal average monthly expenditure, should get me just about right to RM100.
So I thought I was pretty well covered.
The only flaw in my strategy was that I did not factor in the scenario that not all restaurants are covered under Dining category.
Sigh......


This post has been edited by wengherng: May 2 2014, 11:03 PM

Actually I have the OCBC Titanium card as well, and was pretty happy with it until they decided to pull out the 5% cash back program.
So now I am moving out all my expenditure and autodebits from this card, and am planning to cancel it in a month or two.

Sorry if this has already been answered before, but AEON Jusco (i.e. where we buy the foodstuff and daily necessities) is considered as groceries?
Am seriously considering changing my category now.

I checked the MCC list again...... to be honest, I cannot imagine what MCC code would Taang Shifu be listed under.
It's an "eating place & restaurant", dammit...... it should be listed under 5812...!

yes, aeon supermarket is considered as grocery. can refer to the first page for those aeon reported as grocery. but as reported, some counters at aeon supermarket bukit tinggi were not registered under grocery.

i think maybe 5813...

Ah, OK now I see it......thanks.
Bit concerned as 1 Utama is not listed, though, as that it where I do all my shopping.

I just received both my gsc and wise. It stated rm5000 total combined limit. Does that mean two card in total rm5000? Bamk negara detect one card or two card. I am applyijg loan soon. I dont want to affect my results.

i have reported that aeon 1utama much earlier was under groceries just got to get ronnie to update the first page

This post has been edited by DarReNz: May 3 2014, 01:06 AM

I only use Maybank cards on Juscos.
Nothing to buy there basically, groceries in Giant, Tesco are way cheaper most of the time.

Thanks for the sharing... quite interesting apps, good references.

sorry guys , i tried looking for answers about whether Mydin supermarket considered groceries or not,
but could not find the answer so far.

Someone already asked this question in first few pages, but no answer to that question.

Anybody has used wise card at Mydin?

lol... i managed to get ronnie to update the first page with aeon sunway pyramid and ioi mall after i attach my statement.

yes, it's under grocery. besides mydin, econsave and hero also... happy shopping!

MyMydin convenient store also under grocery category.
Last time when they still accepting cc payment for TnG top up, I really wallop kaw kaw but now no more cc payment for TnG.

someone still reported that the mymydin (bukit tinggi) now still accept cc (visa/master only) for tng reload.