for the GSC card, isnt it will deduct certain amount based on the amount we spent?
from hlb website, spend RM9, pay RM8.50, or spend RM19 pay RM18....etc...
https://www.hlb.com.my/main/personal/cards/...-and-plat-cards


however, when i go buy movie tickets at gsc for two person, each ticket costs RM13.
so i need to pay RM26, right?
based on the hlb website, total amount charge to my gsc card is RM26-RM4=RM22.

but i checked my unbilled statement, the amount charged is RM12.
this confused me.

can shed some light here?

received 1 gsc and 1 wise card

if want to waived gst ..i need to swipe 1 card once right?

swipe once for gsc and swipe once or 3 times for wise.

Firstly, sorry for not read through the long thread... Anyone successfully request for annual fee and GST waiver?

Can try, but unlikely to get waived.

i just call them asking for waiver but they said cant...anyone manage to waive?

i think they calculation goes like this. your ticket original amount is RM26 - RM2 = RM24. I guess you are new to bank customer, so you have certain amount of bonus value where the bonus value could use to pay 50% of the discounted ticket.

Basically I got it "waived".
But they will choose the card holder to waive. They won't call you and you no need to call them, they just waive it.
But GST still have to pay.
That's why I never call this as WISE card, it is STUPID card with following reasons :
1. actual cash back are 8.25%, not 10%
2. every category you choose won't really give you cash back
3. overseas spending sure can't get cash back
4. card center won't help when you have question
5. posting date also not consistent especially reaching end of the month

Just cancel the card then. Otherwise it is unfair you enjoy the advantage but always discouraging new reader of thread from applying.

This card is a big hassle, and the very specific MCC means have to check exactly on where you're spending (same as OCBC Titanium last time). But the cash back is best by far (5% + 2% effective TP is next best).

Very clear you have issue with HLB. No problem, your choice. But don't discourage other forumers from getting the card and earning the benefits when you yourself enjoying the benefits.

any promotion currently?

if so then good, but i went thru the TnC but didnt state anything about this bonus thingy...

This is the best card i ever had.
Highest cb so far.

i called them again and request for cancellation, lets see if they can waived out the RM300 annual fees. If cant then will proceed to cancel as i seldom use it anyway. thanks.

This can only be second card and with condition your monthly average spending about rm1700-2000, else don't waste time on this.
And nope, using cancel card to get waived won't help, they don't bother on this also.

hmm what do you mean by second card? i only got one card which me myself is the principle holder. i don't used it frequently but the amount should be around 2K plus due to those auto billing for insurance and mobile.

Just done a transaction using uobpayonline. Back on service already.

i have few question on this card:~
1) If i manage to swipe 10x petrol transaction with more than RM50 and 5x petrol transaction with less than RM50, is all this 15x petrol transaction eligible for 10% rebate?
2) Can i pay mobile bill online using this card or i need to go to telco counter to pay for the bill?
3) 10% cash back promotion end date?

btw, thanks for the clarification on my question in advance.

What I mean is, you need to have another cash back card before getting this card, like MBB's dual card are the best option.

Yes, you still can get 8.25%.

1) Yes, all 15 transaction get 10% (transaction must be swipe at petrol machine, pay at counter doesn't count)
2) can pay online no problem
3) this is the fixed benefit of wise card, until HLB decide to withdraw out this benefit or discontinue wise card

Didn't notice HLB got free chat time drink until today. lol



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