The Campaign is open for participation to all the existing HLB Principal Credit Cardholders only who apply for HLB Supplementary Credit Cards within the Campaign Period and are issued with new HLB Supplementary Credit Cards(s) by 31 May 2015 (“Eligible Principal Credit Cardholders”).

https://www.hlb.com.my/main/assets/files/pr...back-tnc-en.pdf

geez, when u took up the cash (loan), you didn't know there is interest charged to it?

call the bank to clarify the interest calculation.

p/s: no GST for loan or interest.

about 1week jek

then all users here eligible to get AF waiver?

why? Cuz all Wise users need to swipe 10x per month to eligible monthly cashback anyway.

don't think HLB that 'smart' enough to offer this loophole for us to enjoice

dont hope to get AF waiver. chances to downgrade is better.

try calling back CS different day/hour to get different CS

Category	Spend	10% Cashback
Mobile	RM 325	RM 33
Cat A	RM 325	RM 33
Cat B	RM 335	RM 34
Total	RM 985	RM 100

That means, spend a cumulative total of RM985 to achieve RM100 cashback, effective rate is about 10.15%

i've simulated the calculation (on paper), you need to all 3 categories to achieve highest cashback rate with the lowest spending

This post has been edited by cybpsych: Apr 29 2015, 05:11 PM

dont bother much about RM985. it's just to test the maximum return from the card.

as long as you can achieve 10X RM50, the card is quite good dy.


I myself couldnt hit 10X RM50, so i help paying mobile bills/grocery from my household and reload TnG card

for Grocery, i meticulously group items into RM50+ per swipe, then swipe each group one after another (gotta have thick skin when ppl queueing behind you stares fiercely at you! LOL!)

RM22

always ensure ur category spending ending with RM5

highlighted: how u know you April rebate? shouldnt it be next month (28 May) only you know April's rebate?

I remember this Dining category is a "trap" category since we can't be fully sure which f&b outlet has Dining MCC.

considering there are thousands f&b everywhere..... ughhh

another way is refer other topics that list out Dining outlets which is recognised/verified with Dining MCC.

try PBB VS topic Post #2

1) any ≥RM50 transactions will do.


2) Unifi is not under any category eligible for cashback.

Read these:

HLB Wise | Fees & Charges / Product Disclosure Sheet | Terms & Conditions | Frequently Asked Questions

no issues using Wise on umobile selfcare portal to pay bills.

payment recognised as Mobile category.

one thing to note: posting date sometimes takes 2-4 days. be careful if pay on last week of the month.

yes

https://www.hlb.com.my/main/info-centre/per...asked-questions

new application? or already >1 year?