Reporting in perhaps a new section to list all HLB card promotions?

just wondering, which one of your current cards from 6 banks that absorb GST annually?

Source: HLB | T&Cs

post #1, FAQ #9

Yes, can split bill payment,do it 20 times. Just ensure u get 1 tac for each payment.

I hope u r not paying rm100x20

holykaw can you get another Wise card to maximize the cashback return?

Reason is max 10% cashback is capped at RM100 per month per card. You gain nothing once spent >RM1k.

alternatively, shift the remaining RM1k to MBB2Cards, lesser weekend cashback at 5% (capped RM50 per monthy per card) + 5X TreatsPoints too.

newly registered?

for me, rm50 service tax charged immediately on approval date (i havent even receive the card yet). AF and AF Waiver (new application) charged 2 months later.

put more supporting documents, if you can.

for me, i submitted LHDN eFiling (Summary page), EA Form, EPF statement (machine-printed only), 3 months payslips. Settled everything in 1 week. Gotten the card the following week.

good luck!

there's signup rebate of RM50. do call up HLB or drop ur details here to get a call from them.

from the application form: "1st year annual fee waiver subject to 1 swipe within 45 days from card approval date."

all based on posting date.

for me, shortest posting period is 1 day after transaction. if u managed to swipe on 30th and posted on 31st (e.g. October month), you're lucky. it's all merchant dependent, though.

sometimes it got posted 2 days after. in this scenario, your swipe on the 30th would've gone into November count as well as the cashback.

HLB's agent advice is the same as what they told me. swipe before 25th/26th so that all relevant postings are within current month.

This post has been edited by cybpsych: Nov 3 2014, 10:00 AM

2x approved supplementary card.

here's the recently-ended promo info. since it's already extended with guarantee, possibly same requirements and qualifications.

didnt try to downgrade Wise to Gold? or issit not allowed?

imo, 6 mths grace period from now is good, cuz GST coming on 1 April 2015, banks could introduce new cards.

imnm, you still carry mbb2card amex. still quite ok but need to readjust the spending to weekends.

This post has been edited by cybpsych: Nov 6 2014, 10:09 PM

by right, the 1st year AF is autowaived, along with additional RM50 rebate.

try this: fill up this form https://www.ecloan.com.my/CcAcqCpgn/ccacqcpgn.asp?pcode=wise , HLB telemarketer will call you back to verify some details. ask them about AF and rebate.

if you're OK with the signup requirements, then fill up the application form (telemarketer will email to you).

why dont you call HLB and ask for the MCC?

i always do that whenever i swipe at new locations/merchants that I have doubt.

the only T&C is here https://www.hlb.com.my/main/assets/files/co...ogram_tc_en.pdf

agree. staff is telling pretty stories but their black&white T&Cs is conflicting.

drop ur details here to get a call from them.

the category is more important than the amount spent

anyways, noticed the transactions are not listed anymore under Home > My Statement > View Online / Download PDF

Email delivery is enabled too, however it will FORCE-disable hard-copy delivery. Good, but I wonder how efficient is the email delivery since it's just started

dont think so. from what HLB CS told me, they only monitor telco names from Maxis, Digi, or Celcom.

speaking of this, i'm also interested to know what is the MCC for P1 (via p1 selfcare and uob payonline).

RM50 x 10 swipes is a bit tough for your case.

unless you can consolidate other expenditures from your friends/family.

in my case, i got 2 postpaid plans is just RM28x2 per month. definitely not enough, but i could just overpay RM50 each account, at least can cover ~2 months bills.

i also pay for my friend's mobile bills (from 3 telcos! ): 1 from digi (RM23 only but get 10% rebate from me ), 1 from celcom (2xRM50) , 1 from umobile (1xRM50). all these, my friend just give me cash minus 10% rebate. win-win for both of us.

by doing so, i'm already hitting 5x RM50 liao for MOBILE category. next, PETROL category. i only hit 3x RM50 per month.

next up, GROCERY category. use my card for my whole household's groceries. can get at least 4x RM50 swipes per month. also I use it to reload TNG card (sometimes i purpose reload 4x RM50 or 2X RM100, depends on remaining count of RM50 swipes for the month).

by month's end, already 11x-12x RM50 swipe count.

if purely use for my own spending, definitely not enough to hit 10x RM50. but being semi-generous, i get "contributors" from other ppl's payments.