Yes, u will get the cashback for all 12 transaction as long as it is within ur selected categories.

as long as you swipe 10x >rm50 in a calendar month, you will be entitled for the 10% on everything (within your selected categories) which you have swiped earlier or later.

Applies few days ago, agent told me no cask back will be given if swipe less than RM50 (within selected items and condition is fulfillment). I was like... zzz

how come as an agent who doesn't know about this thing

thanks mamamia, victorywp & sj0217
the agent misled me

This post has been edited by wca: Apr 18 2015, 07:49 PM

ok....another way to look at it...interesting

I make it very simple, this shall not be your first card.
Only get this card if your spending average on 1500-2000 every month.
If you spend on other categories, it will dilute your cash back.
And you can use it to make some extra money

I have a different opinion. This card should be your fixed expenses card. Those that won't change much from month to month. Utility bills (for those with high ones), phone bill, and grocery/petrol (depending which one is more).

For those 'one-off' bills use Maybank2Kard or AEON.

Yes correct

RM1500-RM2000...hhmm....have to think further then.

Is there any card that can give cash rebate on auto debit life insurance payment....besides GE tho. well i for 1 do not have GE.

This post has been edited by hitch80: Apr 20 2015, 12:46 AM

MBB dual cards will be the best option.
But the catch is, you have to use the Amex only.

which insurance? mbb2amex can use for tokio marine 5% on weekends. pbb aia can use for aia 2%.

ooh I actively using AMEX during weekend, but most merchant do no accept AMEX. My insurance also not accept AMEX. However car insurance can la, using Etiqa

for motor insurance yes, but my life insurance prudential. the only thing i can think of now is to do auto debit to my ocbc la, if auto debit is accepted

Thanks bro.

but ocbc will be 0.1% only, still interested ke?

TM, TNB, groceries shops are accepting Amex

hlbb operator kept insisting that I need to swipe 10 times RM50 and above FOR THE CATEGORIES CHOSEN to entitled the cash back even after many times I said 10 times all retail transactions but only the categories chosen will get the cash back
"you go and read the term and condition la"
"you go to our branch a ask lor"
when I asked him to talk to his superior regarding this, he just said he answer this questions thousands of times already...

bottom line:
don't listen to someone who doesn't explore and fully utilise the card himself.

from HLB Wise Card FAQ:-
Which retail transactions are eligible for the minimum 10 swipes?

Eligible retail transactions include local and international retail and online purchases, recurring payments, insurance premiums, 0% Interest Easy Payment Plan (one time principal amount only) and Easy Payment Installment Plan (one time principal amount only); EXCLUDING, cash advance, balance transfer, Cash-on-Call, Call-for- Cash, Flexi-Payment Plan, fund transfer, fees and charges imposed by the Bank.

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

How about Aeon Watami?
Provided you spent at least RM3k per quarter