i think I have automatically got my AF for WiseCard waived (I didnt even call up because I thought no hope in getting it waived). 3 months already since AF due for 2nd year, but nothing in Statement , only GST RM50 charged

confirmed... my wise card's gst charged in dec and annual fee charged on 1st Jan

Yes you can. Just no 10% for that. Do it if you can't get the 10X transaction, Or else, pay your TMNET with others card like MBB or watami to get cash rebate.

so this reload is considered a grocery transaction?

Just receive annual fee at rm160.
Anyone manage to waive it by calling the CS? Every month I'm getting average 80 cashback so actually 160 is still worth in the long run.

I'm using these cards at the moment
Wise card - petrol, utilities - TnB & Syabas, mobile - maxis
MBB 2 cards - Weekend - Unifi, Dining and groceries at AEON
HSBC amanah - Astro, weekend dining if Amex was not accepted. Apply this because free tablet and free rm250. My backup card with 1% oversea and 0.3% local

Regarding the 30% cash back, just called CS, she said if registered after the swipes, those transactions are not counted. So register and then start swiping. Also, let's say if you have 3 HLB principle cards, you are entitled to get 30% cash back for each of your cards. Provided you have swiped a total of 9 times (3 for each card).

I was not convinced yet, so I asked her, "True or not? T&C doesn't state that.", to which she replied, "Yes sir, I read it directly from the T&C, the one posted on hlb.com.my is not very detailed."

Don't think so. I called HLB they say never received any request of payment. I also used RHB and also same. Never receive any request from UOB. Can u check with ur colleague when he made the transaction?

Under what situation will you expect purchase at lelong to be grocery? Not reasonable question even.

My own bill only rm10. But this is a package for my family that will hit average of rm200-300.
All the rm95 transaction is for my own bill, while the rm50 are for my uncle's bill(my mother own him renovation cost, so his Maxis bill paid by me and TNB bill by my AMEX)
[attachmentid=4361092]
So this is my account now. As I in overseas and can't get cash back on groceries, so I don't mind to pay my mobile bill in advance first. If I can't go back on April, it will reach -rm1***
I even call Maxis to extend my payment due date