Bro, the HLB Wise is only applicable for 2 categories only. So better select wisely. And you need to swipe minimum 10 times where each swipe must not be less than RM50 (any category or outside the listed categories) in order to get cash back for the category selected. The HLB wise can be really good and one can earn up to 7.5% cash back after deducting the annual fee. However, sad to say that it was reported at HLB Wise Thread that HLB no longer issues the Classic Wise card but only the Platinum Wise. So I am not sure if they have lowered down the annual income requirement for the Platinum Wise card.

To ALL:

I view that many are now looking for alternative cards to replace their Maybankard 2 Cards AMEX, I have started a new V3 with my recommendations for easy reference instead of repeating answering the same questions.

Click here to Recommendations for Credit Cards V3