Once you get it, you need to swipe 10X rm50 within 2 days. Else you don't do any transactions and only do on December

Because the postage date tends to take longer when nearing to cut off date
Happen to me on the first 6 months when I got the card. Almost every month I sure will complaint on something. So my personal cut off date each month is 22nd.

Nope, to make sure you can't enjoy maximum cash back

Because cash back are calculated based on posting date.
Like you spend rm1000 this month and rm200 was done on last week, if they post it on next month's statement, you are getting rm80 of CB only.
HL group will try their best to swindle you as far as possible when have the chance.
Like now nobody shall simply disclose our personal info to other parties, HL group knows on the loop hole. I'm holder of STUPID card(under HL bank), they just pass my personal info to HLA and try to push me their insurance. In law they are still legal, since it is still under HL.

Read their T&C properly first, then you will know how they play around with the grey area(towards end of month).
This is 1 of the worst bank that I deal with for the past 20 years, start from HSBC, Public Bank and now HL bank

Where you apply your card? If at the shopping complex booth, all the time they will do so. But if you apply from bank's branch, look for senior officer and usually you will get what you ask for.

Good, at least you know what safety means

Maximum cash back capped at rm100 from the 3 categories you selected.

From my past experience, your logic not 100% can work.
So is still better to do all the 10 transactions before 22nd, simple.
As of 3rd day of the month, I already spent rm700. Will complete the rm1000 by Wednesday

https://www.hlb.com.my/main/assets/files/ccwise_tc_en.pdf
But the T&C stated otherwise. Read and understand properly.
3. Terms and Conditions of the Programme
(a) The Cash-Back will be calculated at the end of each calendar month equals to 10% (rounded to the nearest Malaysian Ringgit). The cumulated Cash-Back shall be credited monthly to the Cardholder’s account in following month and subject to a maximum Cash-Back of RM100 per month, per account.
The Cash-Back credits may or will be utilized towards any outstanding balances due on the account. For the avoidance of doubt, any Cash-Back due to the Cardholder will be posted in the credit card
account on the 28th of the following month and reflected in the Cardholder’s Statement. In the event the Cash-Back due to the Cardholder falls on or after the date of the Cardholder’s Statement, the Cash-Back will only be reflected in the Cardholder’s Statement in the next following month.

Looks like the beefed up their T&C to be more in favor to them
Initially it is following posting date, then transaction posting date. Already argued a lot with the HLB's blind supporters here on this.
So for your case, they can play around with this clause by posting it earlier or later
When is your statement date? Mid month or end of month?

Not you, some others.
On the 3rd? Then your case will be fall under Oct's transaction.
But to avoid this, I will fill it on 22nd and use other card to compensate as my statement date are end of the month.

My PC got some problem, I only knows you are quoting me based on the control panel, but I can't see anything. Are you spamming or what?

Telekom are not included.

1 Mobile Maxis, Celcom, Digi, U Mobile and YES
2 Pharmacies Guardian, Watsons, Caring and Eu Yan Sang outlets
3 Groceries All grocery stores (MCC 5411)
4 Petrol Automated fuel dispensers at all petrol stations (MCC 5542)
5 Dining All dining outlets (MCC 5811, 5812, 5814)
6 Departmental Parkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA and Sogo outlets
7 Book Stores MPH, Popular, Borders, Kinokuniya, Times, Smart and BookXcess stores
8 Utilities Electricity and Water (MCC 4900)
9 Entertainment All cinemas (MCC 7832), Ticket Charge, Ticketpro, Red Box and Neway
10 Travel All airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour

Just follow the above and you can't be wrong, with exception of Aeon/Jusco on groceries.

Depends, from 2-9 days.

Sounds racist?

Never bother to participate on this.

On a side note, this S5 list smells fishy, even with STUPID card holders majority are Chinese, but if all win by Chinese only are really questionable.

Usually verbal statements I'll treat it is talk under severe alcohol effect

Even with GST and AF, STUPID card still giving 8.25% of cash back if you are spending rm1000 sharp(or rm10 lesser) every month.

Visa only charging 1-3% while we are getting 8.25%(if you spend every month rm1000 sharp).
They are expecting you to spend more to dilute the cash back.

For credit card usage, they are expecting us to spend as much as possible.
But then with all the stupid T&Cs, most people will only spend rm1000 sharp on this card. Even I brain wash my uncle to get this card(monthly on fuel alone > rm1000).