Don't worry. You can use HLB Wise to buy voucher 10x RM50 voucher to get RM50 CB. Maximum CB is RM100 (spend RM1000). Refer HLB wise thread for more info.

he already got issue with Ikwan's limited to petrol and groceries, now u ask him to spend (commit) RM500 for vouchers that could only limited to groceries and/or departmental

better ask him to detailed out his avg monthly spending amount & pattern before we advise him something that he cannot commit.

He is saying ikhwan only limited to petrol and groceries. Guess he want a card able to give more.

some of the winner are from shop outlet,
should just limit to individual

Just had Japanese dinner buffet at Sagano, Renaissance KL. Just noticed the bring one guest promo of 50% is only for lunch buffet.

For dinner only 20% off from total bill.

Well, still better than nothing I guess.

What are the documents needed to apply cc at maybank card centre in 1u? Thanks

Lol.. thanks... I want immediate cashbacks that deduct from ur credit card bill.. not vouchers that might make me end up spending more. You know how you get a RM100 voucher but you always end up spending more than RM100? Because you wouldn't wanna "rugi" if the item that you buy is worth less than RM100, but it is also difficult to buy something which is exactly RM100

all the popular cashback cards here gives you the cashback directly into your card, hence deducting (reducing) your credit card bill lor.

the suggested buying vouchers is to allow you to achieve the min requirements for HLB Wise. study the features and T&Cs, whether it suits your spending behavior.

again, nobody knows your spending except yourself. if you dont tell us more, how do we know which card suits you better? the golden days of m2card amex is over liao. now, each card gives specific cashback amount for specific type of spending.

I'll probably cancel this cards since I'm opting for other cash back cards.

well the choice is yours. as for me, i will still keep it for a while.

Well look at it this way, who ask you to spend more than the voucher? By buying say 10 x RM50 vouchers, you still have room for spending another RM500 (max cashback on 3 categories you selected is rm100 = Rm1000 of spending)

Once you swipe 10 x RM50, anything after that will be given cashback provided is inside the 3 category. To maximise your CB, swipe the 10 x RM50 only for the 3 items you selected.

So say your groceries bill is RM90, pay RM50 using that voucher, pay the balance RM40 with your credit card. (you still have still get CB on that RM40. There are so many ways to earn CB with HLB wise. Petrol, paying TNB and water bills,(you can swipe rm50 at petrol station, split your TNB and water bill into RM50 and pay via uobpayonline. Of course you can only pick 2 category as mobile is already selected by default.

For more info, refer to Hlb wise thread.

There's also PB Visa Signature if your salary is >rm100k/year 6% CB.

This post has been edited by Ramjade: Sep 18 2015, 07:54 AM

avoid going off-topic continuously. you may suggest and explain for the first round. if he is interested to know more or you felt you wanted to explain more, you may direct him to the suggested thread or you may quote his comment here and reply in the suggested thread.

This post has been edited by victorywp: Sep 18 2015, 09:11 AM

That's ks. Didn't know can do that. Will keep in mind for future post.

Haha. I need to keep till Jan due to 0% epp purchase. But I don't want too many credit cards.

OFF TOPIC : Is the food nice?

Off Topic : Nobu Nicer

If you have an Infinite, plenty of good option for dining as 50% for starwood hotel dining are available

Not too bad. Kinda like it.

Talk about lunch buffet, you only have Sundays as the lunch buffet is from Sundays to Fridays, unless you wanna go during working days.
So on Sundays, you will have additional 5% I supposed due to dining cashback?


Anyway to all, for other cards discussion, please bring to the respective threads.

This post has been edited by fruitie: Sep 18 2015, 10:40 AM

Mine only Plat Nobu is more exp also isn't it?

Yeah, I'm going this Sunday that's why asking opinion so I wouldn't have too much hope/disappointment.

Acceptable la for the price. My companion kinda like it.

so Nobu can get 50% of with Infinite?