https://www.hlb.com.my/main/assets/files/ccwise_tc_en.pdfBut 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?
I am not blind supporter, but still no doubt their offer is by far the best in the market... tahan je lah
BTW, I am kinda weirdo in statement date, people prefer later but I put 3rd for all my cards lol... scare drag too long difficult to manage...