I accidentally spent RM985.73 last month and it brought up the effective cash back to 10.14%.

so tokkong to sell milo out 

Urgently need advise which shop for groceries, petrol, mobile category will get posted the same day? I mis calculated this month required one more transaction....today is the last day already....

Just got my latest statement.  Got charged RM 160 annual fees and RM 50 government GST. Called customer service to ask for waiver and was told no customers of WISE card are given waiver due to this card already giving monthly cash back.  Just to check if this is the case for everyone here.

I think there are very very few people get waived for AF.

Waiting for your good news.

I heard the store supermarket groceries is a hlb merchant which have the higher chance that the transaction get posted the same day...any experience it before?

You can try, I heard Store is using HLB terminal.

I don't really understand what it means.My poor English...
I just worry they calculate wrong again.
Example it means like :
Statement 1 :  31 Dec - 27 Jan : 20 x RM50 petrol = RM100 rebate ( will get on next statement)
Statement 2 :  28 Jan - 24 Feb : 20 x RM50 petrol = RM100 rebate (RM100 from January statement) , This month RM100 only reflect on next statement.
I had problem with Hong Leong Wise card many times before as they miscalculate my rebates. They pay me back rebates later after complain... Their CS is good... got reply and feedback...
I even do an excel containing all transaction. May be they miscalculate mine transaction again. So need call back again.
It made me very confusing. Some rebate not rebate to me but i let it go lately....no call complain as i get free pensonic thermo pot (last time promo swipe how many amount get free)and pensonic tower fan(i don't know why they give me .. may be i swipe ngam ngam on their promo).

The WORST THING 2nd year i had to pay RM160 annual fee + RM50 GST. The GSC card waive for both. This card good for no need queue during buy food and beverage...
Can't waive...

so you paid 2 packs per time right?

i just bought at giant with my wise card 2 weeks ago rm27.99. but that's under pwp rm50.

so you just left 3 times to go only. easy for you.

summation of all transactions per category, then rounded up to nearest RM1.

to get best "kiasu" return, in each category, try to hit total amount with RM5 (e.g. RM105, RM225, RM385, etc). This way, the category total will always round up in the cashback calculations.

this can be done easily with Mobile and Petrol, a pain to do with Grocery 

already tried 2 days back. sometime can, sometime cannot.

from shelf price, can hit ngam ngam amount that i want (RM11.45). when checkout, one of the item got discount (total RM10). i was like... FUUUUUUUUUUUUUUUUUUUUUUUUUU     

ot: but how do you know your neighbour use the same pad with your wife? 
suspicious... 

as long as my statement got 10x RM50 transaction in the posting date from 1 January to 31 January consider eligible??

Ok i gotta know that my card been terminated. I called to ask for waiver, cs say cannot waive for cashback card. I request her to submit the request to waive the annual fee otherwise will consider to cancel this card. She said centre will call me in 3-4 working days on approval of waiver.

End up nobody call me and my card is terminated. Rubbish.

I have few auto debit with this card it's troublesome. So now I feel the situation change I've to call them back to request for reactivate the card and also not sure if the annual fee still applicable even though they terminate my card. 

What am I doing

My auto debit is for digi lines which included in cashback lo

Custo mer has to call and beg for reactivation now

I know, agent told me gst cannot waive when i apply so I'm OK to pay that since been told upfront. It's not correct for them to directly terminate my card.

Now surveying citibank/hsbc credit card.

Mind to share on the reason?