HSBC you can forget about it.

Mind to share on the reason?

Cash back only 3%. Got others to apply.

what do you mean by this card can only spend RM900-1000?

he meant if you want to fully maximise the cashback.

foreigner can apply?

Lets keep these thread away from bashing and flaming comments shall we?

This post has been edited by tarvalslain87: Jan 7 2015, 12:51 PM

Why you want to spend more than rm1000 or lesser than rm990 on this card where it only gives you 8.25% of cash back and no other benefits?
Just say if you only spend rm500, that's only 5% of cash back.
If you spend rm1500, cash back also same at 5%.
And with rm210 of AF and GST that you must pay, assuming if you always spend rm500 a month(that's rm6000 a year), you are getting rm600 of cash back.
After paying the fees, that's only 3.25%.

Just to correct on your calculation :-

RM500 x 12 = RM6,000

Cash Rebate = RM600

Net Rebate (RM600-RM210) = RM390

Effective CB Rate (RM390/RM6000) x 100 = 6.50%

That's if you are taking rm6000, I'm taking rm12000
For a person that can only spend rm500 for a credit card every month, their spending won't be falling to the preset categories. Taking this in to account, the actual cash back are much lesser.
As I said before, this is good as 2nd card only with your average spending about rm1500-2000 a month.

anyone know KLCC Isetan grocery is it categorised as Grocery for HLB Wise?

It should be under Dept Store .... even their Eat Paradise (1 Utama) is under DEPT STORE

Ouch... too bad for me then.

why do you chose to swipe with wise?

Received my first statement from my new wise card. Had swipped more than 11 transaction above rm 50 but din see any cash rebate. Why ah?

it will only show on 28th of the following month.

This post has been edited by victorywp: Jan 8 2015, 07:44 PM

Hi all sifu. Just got a msg that informed my HLB card is approved. And i just noticed the 10 categories at the 1st page hmmm let's say i didnt go through/ pick anything during the registration (cause the agent filled all for me), where can i check for what's being picked by the agent?

Applied this card is just for the sake of emergency

you need to call the cs to check which categories had been chosen/registered.

This post has been edited by victorywp: Jan 8 2015, 10:03 PM

This is not the card for emergency use. Especially not when they charge high not waivable annual fee

Please do bear in mind AF is not waivable. For emergency use, you should pick a card without AF