still worth it rite?

600 payment?

but still.. need 3 month plus for rm169 Annual Fee

thought you're trying to hit RM100?

where's the rest?

Sis.

select groceries n utilities
or departmental store n groceries?

Sis.

select groceries n utilities
or departmental store n groceries?




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max CB is RM100?

depends on ur own usage

This was my first month, still noob. Second month onward will have full RM 100.

I will hit RM 100 this month but last month only spent RM 600.

Up to you. Mine is groceries and utilities because I can pay my bills and reload TnG from Sam's Groceria which has groceries benefit.

Got my very first cash back.Hoorrayyy!



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Yes. Highest in the market already.

Now I also know how to maximize it. I'll come back with RM 100 next month.

im planning to use mainly as below

stemex RM180
tnb RM170
water RM70
celcom 1 RM 80
celcom 2 RM 50
astro RM 68

then some tesco/ longwan toiletries RM 200
most raw stuff, food buy in wet market. ( cheaper or not.. compare to tesco etc ? )

ur suggestions ?

If your house is near to Sam's Groceria, you can pay Streamyx, Astro and TNB there and utilize groceries category. However, you have water, so you may need utilities already.

Bear in mind Streamyx and Astro don't fall into any category. So, your best is Sam's only if you choose groceries.

Looks like you may not benefit from WISE very much due to spending not suitable. Really need to get close to max cash rebate to make this card worth it after the first year.

What I do is help my family pay their TNB bills to max out. Share the benefit. Other members have used grocery category to buy stuff (milo tin etc) and sell back full price in cash to small shops, but I haven't done that personally (not so thick face).

me too, got my very first cash back of RM80...

can i clarify that whatever spending transaction date is fall after 28 Sept will consider as next month cash back transaction, so can i say that i add up after 28 sept and till 25 Oct as long as spending within the selected category is Max RM955, also activate the 10 swipe X RM50 per mth, then i will get my cash back RM100 ?

Cash back is based on calendar month.

Unless your transaction on the 28th is posted in October, if is not, then is calculated in September cash back.

No. It's from the first till the last day of month just that cash rebate will be posted on next month's 28th.

erm. i think sis fruitie said all above can get 10% cb if i pay my stemex n astro at Sams Grocerias

yeah. but might change some of my wet market spending @ tesco
coz my house wet market spending around 6-800 per month.

Yes, if you can go to Sam's Groceria. You can cover your Streamyx, Astro and TnG reload there.
Then you buy from Tesco, can cover you 10xRM 50.

You can choose utilities and groceries only. You still need utilities because of water, TNB can be paid in Sam's as well. Else, you can sacrifice it then can choose other category to maximize other things like petrol, departmental (shopping vouchers).

This post has been edited by fruitie: Oct 29 2015, 02:12 PM

From the total expenses she still could get cashback of RM61.80. That's RM741.60 per annum. If minus out the government tax RM50 and annual fees RM160, still netting RM531.60 per annum. Better than nothing right?

ahh.. i think my only utilities is water only rite.
spending in tesco is no problem i think. cat food per pack almost RM50

how bout i go to petrol + groceries.


monthly petrol waifu is RM500 + TnG is RM300
or just get 2 cards better

monthly petrol of RM500 is a good justification to go for petrol category already.
likewise RM300 T&G if can top up at grocery stores.