yes

yes, 10/20/50 are exactly their choices. and the procedure to purchase is simple and fast if compared to giant, which need roughly 1 hour.

you can buy giant vouchers too. but it's a hassle unless you have a lot of free time to waste. you need to fill in a form at the service counter, and the form need to be passed to their office for the vouchers to be printed for you, and the expiry date to be stamped one by one (6 months).

you will get crazy if you buy at a big giant outlet which the office is far from the service counter. the staff will take his/her own sweet time walking slowly (lepak here/there in between) to the office and back. longer time if you missed filling certain part of the form, in which they need to come back from the office to the service counter to inform you for you to fill again, and send back to the office.

tesco you can just buy from the service counter. they don't need your detail and they have ready vouchers. so they just need to stamp the date of purchase on it and the voucher will expire in 1 year from the date.

They may swap the terminals, so I never use STUPID card in Aeon at all, just to prevent this.

From Last March's transaction and March Rebate received on 27-May-2015.

I can now confirmed the following
Transaction Date : 31-March-2015
Posting  Date : 01-April-2015
10% Rebate was calculated as part of APRIL's Rebate (not under March)

In conclusion : In which month the Rebate is calculated for, will be based on Posting Date

AEON Voucher purchase under SMKT will be in AEON IOI MALL Puchong

Nope, groceries side will use departmental's terminal.
Like Seremban's Aeon's groceries are entitle to get HL Group staff's hair instead of cash back

1st half year I got this STUPID card I've been struggling to know how to make full use of it.
It is same as 0 interest period, it can only be used for 21-25 days in a month
But now after plan my spending properly where 1st week sure will hit 10 transactions and last transaction will be on 25th(if got 31 days for that month).
Then will be using other cards to back up in case of any sudden death spending.

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.

Yes, I agree!!!

Initially I was really confused what mean by transaction posting date 

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

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

maxis edi blocked my line coz of late payment, not sure i should wait until monday since if i pay today i won't be getting any cashback... 

maybe 5462. 

Base on my 4 months usage of this card.. i calculate back.. the effective cash back is only 6.2% for me.. 

i cant really make sure my card swept at exactly 1000 per months.. sometime more, sometime less.. in conclusion, i only get 6.2% after minus off 13 every month for the 160 annual fee..

I was charged RM160 as Annual Fee... but no 6% GST. And I'm keeping quiet

not that straightforward actually. in order to achieve that, you must separate your expenses into 3 categories and save rm5 expenses per category. for eg, spend rm325, rm325, rm335 to get rm33, rm33, rm34 cb respectively.

if you only utilising 2 categories, you can only save rm10 expenses = rm990. if only 1 category utilised, rm995 max.

How about weekend spend? Only 2 days to spare... How to make sure posting date fits within the 2 days...