I hope you applied for Gold and not Plat.

If it's in Klang Valley, I can introduce you a good officer.
I got my card approved in 2 working days.

Why didn't you reload RM100 directly ? Then you get deduction of 53 sen once per transaction.

An user since 2013, first year direct free AF, 2nd year also got free AF but this year cannot.
Guess HLB won't be really offering free AF now for newer card members.
To make your self not that sad on this, just spend rm985 sharp every month and call it the day

Thank you for your informative reply, cybpsych. 

It is very different from Maybank 2u website, whereby we can view all transactions (before and after Statement Date) in one place. That is why I cannot manage to find transactions posted before Statement Date, inside HL Connect.
As recommended by other experts here, I try to hit 12 x RM 50 transactions early in the first week of month. It is done, mostly by buying shopping vouchers.

Why is it 12 times, instead of the required 10 times? In case that some transactions are unfortunately reversed, I would have at least 10 x RM 50 transactions, to obtain the cashback. Thanks again to all experts, who provide suggestions to use this card. 

For AEON, buying shopping vouchers is normally treated as a departmental transaction.

You can use the shopping vouchers to purchase grocery or any departmental items. 

My purpose is to achieve 10 x RM 50 transactions early in the month. If you have one less RM 50 transaction than 10 times (as emphasized by many experts here), you are not going to get any cashback at all.

Since the card required 10x min rm50 transaction / month in order to entitle 10% cash back,  can i pay TNB bill online ? example my bill is rm350.
so i separate it
RM50* 7times.
is it work?