both services are not in any category.

With WISE, you can't really optimized your monthly spending(as a family) from it. You need another card to cover what WISE can't cover

NOT TRUE... both not in any WISE category but OTHERS

Wise gold+gsc gold combo will charge one or two gst?

Only 1 GST according to their explanation and can be waive you swipe your card within 45 days. Only for first year
(*someone please confirm)

However for both the WISE & GSC card there is charges for GST and both got waived.
WISE:-
18-Feb-14 18-Feb-14 15 SERVICE TAX / CUKAI PERKHIDMATAN 50.00
02-Apr-14 02-Apr-14 RM50 CASH REBATE<br/> 50.00 CR (*if swipe within 45 days which i guess is simple task)

GSC:-
18 FEB 18 FEB GST SVC FEE CHARGE 50.00
18 FEB 18 FEB WAIVER 50.00 CR (*instant waive)


About the annual fee, seems like there is no such transaction in my WISE but for my GSC it appear after my first swipe with it and got waive instantly.
So I guess for the GSC all annual fee and GST will be waive instant while WISE card will get the GST and annual fee after a year, which hopefully can be waive after call in

GSC Annual Fee:-
19 APR 19 APR ANNUAL FEE 150.00
19 APR 19 APR ANNUAL FEE WAIVER 150.00 CR (*instant waive as well~)

That's one of the bad thing for WISE card. *Mobile and Utility was include but not for TM/Unify/Streamyx.. zzz..

Wish they add in TM and Insurance in the category

This post has been edited by nescheez: May 17 2014, 04:04 PM

anybody looking for outsource on utilities category ?
pm me your requirement, i have quota left on my wise card
total amount need, cash back sharing, dealing method etc etc

I prefer on looking at my neighbors on this, sure can get money back on the spot

For utilities, you can always pay in advance since you will be paying every month. This is what I did and paid RM5 extra so that it will be rounded up for CB

TM/UniFi/Streamyx are not even provider of Mobile services

Dayum, my preferred choice, = grocery + petrol with bonus tele

but i just keep spending at Aeon departmental store. I forgot about my MBB2 Amex.

So confusing. The most jialat is, i spend on 28th April at Aeon Big for 5% rebate + HLB wise 10% rebate, thought will post at 1 may, dayum, system shown 30th April. Over my quota for month April. Rugi!

so your aeon departmental transactions could not get 10% and somemore overspent and over quota for april?

still have? PM me for detail

Emmm, the system will selectively down for no reason in order for you not to get max out of it. They can even drag a posted transaction(which settled by merchant on 3rd day) for 9 days. Now I will stop any transactions on 20-21st each month.
As for Aeonbig's posting, I tried before swipe on 28th morning, noon already updated which I spent rm1000 already much earlier than that. End up 5% rebet by Aeonbig only. But when I spend lesser than that, it will take 2 days to get posted.

HLB Bdr Bkt Tinggi this Saturday (24/5/2014) open house for credit card application

from what time to what time?
any special promo or free gifts?
might inform relatives to sign up.

i think 10am to 2pm.
But need to find back the flyer only can confirm

Apply for Maxis Home Fibre lor... 50% OKU discount + 10% rebate here... Internet in Malaysia is cheap.

Is it?
Thailand's broadband cost them 7++ for 20mbps while our narrowband cost 120 for 2mbps

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