Just a question (don't have this card, thinking whether to apply) whether TNB bill of RM200 can be paid using this card 4 times. Meaning play RM50, then pay RM50, 4 times. Counted as 4 swipes? Able to do on HLB website?

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.

What's the free gift?

I plan to use for 11 months then cancel once the final cashback comes through.

Then apply again on my own name (currently my wife's) and repeat. But I think by that time the benefit will have changed. See OCBC Titanium.

Once they waive first year AF good enough di. Of course we prefer no AF ever (get Maybank2Kard) but 1 year free allows you to 'make' money first.

Wise = 10%, MBB2 = 7% equivalent. Shouldn't use Wise first?

If outside those 3 categories then even if MBB2 max out still more worth to use MBB2....

7% only since the TreatsPoints devaluation.

Hi all, HLB having some problems activating my HLB online account (old dormant savings account or something like that), is there any other way to pay TNB bill online with WISE besides using HLB account?

Why consider as excuse though? Well known already that everything depends on merchant code, and merchant code is decided by merchant not by CC-offering bank. Expect the bank to look at your purchase receipt and say 'oh, this one is grocery, nah we give you money'?

Good luck then.

Did you use the card? Because my agent said waiver with at least one swipe in 60 days.

38 ml is not very little lor. (assuming RON95)

THIS much -

Related question, so far I've been doing it this way.

1. Login to payonline
2. Type in RM50 amount to the appropriate bill
3. Confirm it
4. Type in the HLB WISE credit card number etc.
5. Receive TAC and validate.

Then I repeat step 2-5 10 times.

Just only I realized that after step 2 I can type in RM50 again and it will show two payments to the same account RM50 each. Will this be counted by HLB as two transactions of RM50 or 1 transaction of RM100 since done at same time with one TAC (I think)?

Thanks. So confirmed HLB sees it as 10 transactions? You've received the cashback already right? I just only got this card last month will only received first cashback end of this month.

Will only get rebate if you meet the qualifying 10 x RM50 spend, so be careful about that.

Haha now I remember I sign up with you, what about my free gift leh? =)

Big shot ronnie

But I think unless someone do transaction bank also won't know. Can staff search out what MCC a merchant register for? How can they know which merchant exactly?

Really? English of the reply wasn't good, but seems to me like they're saying 'we cannot check unless you do a transaction with that merchant'.

If your interpretation is correct then yes, HLB deserve to be screwed by BNM.

Middle east, lagi they cannot check for you. Depends on the shop that you shop at, what is the MCC they registered for.

I don't know how middle east is like, but from Malaysian example, if you go to Parkson and they happen to sell some groceries, no way to get grocery category (because Parkson not going to register 2 different MCC for different sales, and their major business isn't grocery).

Similarly, if you're dining but you go to a club whose main business is beer and entertainment, the club probably didn't register the dining MCC.

Owners register based on what sort of business they run, so if you can find a place to buy grocery that confirm that's their ONLY business (i.e. not also linked within a hotel or department store) got the best chance.

Unfortunately, even with that there's no guarantee. HLB got no control. If CS is good in that shop you can maybe ask the manager what MCC they register under?

Until now you butthurt the same thing =) already know that MCC not under their control. Dunno what magic you expect the bank to do, fly there and tell the supermarket that they need to change MCC code?