They put my case under investigation and will get back to me in 2 - 3 days time. They said according to the system, I applied for platinum. I said no way, their SA should have changed my application. I asked to retrieve my application form.

I only give my crossed photostat ic and form BE. Nothing else. Btw, i think u from penang too right? Just FYI, the branch that process my application was the pulau tikus branch opposite of church.

Wise is actually a great cashback card, and particularly on groceries when GST starts to take effect next year.

i've been persuading my parents to withhold their grocery spending till at least RM50 before heading out to buy. Too bad, they rush to tesco/giant whenever they see promo/discounted price on newspaper, and each time spends <RM50    their basis is due to the promotion is not frequent and they want to get the best deal ASAP. adoiiiiii 

asked them to budget 3x-4x RM50 in a month, and again their typical shopping mindset cannot change their spending behavior   

You effective rate is ~3.90% after factored in the RM12 processing fee and the free 4 months interest free period. Still very good for ASB investor but definitely not for FD depositor.

Add on:
There is a catch though. In case HLB rejected your RM160 AF waiver, you can't terminate the card because Cash On Call can't be early settled. However, the 10% CB should be more than enough to pay off the AF.

Your flexi home loan interest rate more than 4.00% ??

will you get a separate account for the cash on call?

You missed out the conversion from flat rate to effective rate.
You are correct at 2.12% but this is still flat rate.
You need to convert the 2.12% flat rate to effective rate. Please try, you will get 3.89%