HLB should have written AS "Transaction's posting date"

Dont understand what u mean? Get the staff hair?

Then it is your are not so smart instead of the card is stupid.

It was supersound sarcasm towards HLB ....

Why they need to add the 's?
If they make it clear, then people will be more aware and taking preventive steps.
HL Group are including insurance, did insurance agents tell you clearly what you can't claim when they are selling an insurance products to you?
Trust me, they won't, so best is follow what I'm doing, complete all rm985 by 25th of each month latest.
So if next month petrol price will increase, I'm screwed But again since I'm buying groceries and sell it back, it will counter that "slight" increase.

But I guess he still using that card.....why?

Yes, I agree!!!

Initially I was really confused what mean by transaction posting date

We are all here to "Talk" about best measures to "maximize" the rebates. ...

Then u should get few more wise cards using your wife, parents, brother's or sister's name. Like that u ll get more rebates

The word posting already very clear. If base on transaction date, why come out with the word posting?

In the beginning, all Jusco's groceries spending are not entitled for cash back at all. Only after numerous of complaints, only selected Jusco are entitled for it.
https://www.hlb.com.my/main/assets/files/hl...card-tnc-en.pdf
Groceries All grocery stores eg: Giant, Tesco, AEON Big (MCC 5411)
Extract from the T&C, Jusco are not included

This card sometimes do make people look stupid
That's why I won't select this as my first card

Only HLB knows what they wanted to write.... to confuse or to show poor English

haha, because the word transaction posting date, I didn't know whether is transaction or posting or both date

Why don't just write cash back based on Posting date, easy

Can we complaint to UOB that jusco supermarket not under groceries too? I once swipe 800+ on jusco supermarket n only realize this after I receive my statement. Cash rebate only 0.3% instead of 2%. My wise card already fully maximize. This prompt me to apply more wise card under my wife n sister name.

It's true that AEON Supermarket was previously under "DEPARTMENTAL STORE" MCC.
When MBB Terminal with Visa PayWave was introduce (Around May 2013), either AEON/MBB decide to "re-categorise" into Grocery MCC and Departmental MCC.

The same scenario with Starbucks... previously under Dining MCC, now no longer. Starbucks also uses MBB terminals

This post has been edited by ronnie: May 29 2015, 09:23 AM

I have not read the terms n condition. I learn by the hard way. After the things comes out n I learnt from there. first 2 months. learnt the petrol paid at counter not counted. lost my cash back there

It is always "WISER" to read the T&C... but the point is that HLB "tried" to confuse those who read them.

Then Starbucks under what category?

Just spend some time on reading their new T&C, indeed the "transaction posting date" missing from it
If you want to complaint, read the T&C properly first.
(g) The assignment of Merchant Category for each merchant is subject to classification by the respective acquiring banks and it is the responsibility of the particular acquiring bank to assign the correct Merchant Category. HLB shall not be held responsible for any incorrect assignment of the Merchant Category that may result in non-posting of the Cash-Back for retail transactions at the
eligible merchants. The Cardholder shall not be entitled to claim for any compensation against HLB for such non-posting of the Cash-Back due to incorrect assignment of the Merchant Category by the respective merchant’s acquiring bank.
With this statement only you bring up to where also cannot win
So, no Jusco for me if want to use STUPID card, I still got MBB AMEX to use if I really want to spend in Jusco. But the groceries are not cheap most of the time(Salmon Fish are nice, but need rm54 per KG and not fresh).

I don't want to take the risk on not getting cash back and another reason is, the price are not cheap comparing to Tesco or AeonBig.

no, don't get confused. uob doesn't offer grocery cb based on mcc. they only offer grocery cb for swipes made in these 5 places: aeon big, tesco, cold storage, jaya grocery, giant. which means not even include mydin, econsave, hero, nsk, etc.