hello, if i want to terminate the credit card. Am I need to go back to the branch that i previously applied the card?

I called twice n been informed they will call me back to confirm the termination but no one call.

1) yes... but where's your transaction 3? lol...

2) only for the 2 categories you selected + bonus mobile category...

1) yes
2) yes

if 10x RM50 (any transactions) already achieved, then you've 'activated' the cashback for the chosen categories (Petrol/Utilities) + bonus category (Mobile)

be mindful that transactions eligible for cashback MUST matches MCC... NOT just simply any utilities/petrol (inside counter).

the 10x min rm50 can be achieved with transaction in any categories. but cb only based on selected categories.

example (based on your petrol+utilities+mobile):
transaction 1: rm10 petrol
transaction 2: rm50 utilities
transaction 3: rm50 mobile
transaction 4: rm50 dining
transaction 5: rm100 petrol
transaction 6: rm40 petrol
transaction 7: rm50 utilities
transaction 8: rm50 mobile
transaction 9: rm100 utilities
transaction 10: rm50 petrol
transaction  11: rm50 utilities
transaction 12: rm50 grocery
your cb will be rm55 based on rm550 transactions on selected categories.

means dining and grocery counted to activate your 10% cb but not qualified to be credited for cb.

here's as simple as it gets, i hope

Activate Cashback: 10x RM50 transactions, anything, everything
10% Cashback: Any transactions with MCC within chosen+bonus categories.

example:
You can have 1000x RM50 transactions, but the 10% cashback (RM100 cap/limit) still depends on whether the transactions falls within categories.

Yes, any spending rm50 or more.

Count as 3. Can split bill..

I paying my tnb rm435 just now... U think how many times I doing split...hehe..

as long as you swipe 10x >rm50 in a calendar month, you will be entitled for the 10% on everything (within your selected categories) which you have swiped earlier or later.

Just received SMS said My application for Wise and approved :-) Duno when they will reach me :-)

I submit my application form on Sunday (19-Apr) at Mid valley HLB brach which open in Sunday, then Monday morning email my document to them. Wed (22-Apr) received SMS said received my application, Thur (23 Apr) said approved.

even after i sign up for email statement, hlb didn't even send it to me.

also, if i have 2 cards:

gsc card: -RM50
wise: RM1000

can i just pay rm950 to the wise card account? will it auto deduct the RM50 from gsc card?

I received my card last night. So this morning SMS to activate it. Received a SMS said my activation request is being processed, Pls wait for sms to confirmation activation. But wait for 2 hours still not get any confirmation. Should I call them?

No worries, this is just the start of your nightmare

Well, for me to prevent from raising my blood pressure :
1. I choose groceries, petrol and Mobile(selected by default)
2. always making sure completing 10 rm50 transaction by 2nd week.
3. shall not swipe the card for cash back on the last 1 week before end of month.

HLB are taking all steps to deny you the cash back as far as possible. Like this month has 31 days, if your cash back already rm100(done rm985-1000) and you swipe another rm100 transaction on 30th or 31st, it post on 31st which you won't get cash back(remember, cash back are counted based on transaction posting date).
But if your cash back for this month just reached rm800(swiped rm800) and you are doing the "final" transaction on 30th or 31st, it will usually posted on 1st or 2nd next month.
So far my record on transaction being posted are delayed by 9 days, which I missed rm10 of cash back.

Still, it is the highest cash back card in the market, you need strategies to get the max cash back

Yup, this is particularly useful for petrol transaction where 1st day of the month the price of petrol will be increased