Just apply for Wise credit card, was told by HLB CS that to be safe (eligible for cash back), the last transaction should be made on every 25th calendar of the month, and cash back will be credited on the 28th calendar of the month (I know this is wrong already, as current month cash back will reflected on the next month 28th calendar).

Is it true that the last transaction date should be made before or on 25th calendar of each month?

What is the url for mbf online payment gateway? Checked their website it is only open for MBF card members.