if u asking

there are only 2items use month than once a month

that is petrol

grocery a bit difficult

maybe if rm150, seperate pay 3 receipt

nanti cashier marah

orang queue belakang marah

If you use more than RM350 petrol, takkan you don't use toll? Reload Touch-and-go can be done at selected places under grocery (there's a whole topic on that).

But in general this card is not suitable if you're struggling to hit 10x RM50. Firstly because you may not get any rebate, but more importantly because your effective cash back drops a lot. If you can spend RM1k per month, you'll get RM1200 end of the year in cashback. Only RM500++ a month you'll get only about RM600++ end of the year. And you still need to subtract the annual fee (if you're lucky and have gold, that's RM169).

Effective cash back would be around 6.5++%, which is still better than anyone else, but may not be worth the hassle compared to Maybank Ikhwan's confirmed 5% (no annual fee) which may allow you to actually spend less. Or even Public Bank Visa Signature if you can qualify for it.

Make sure every month u have 10 x 50 transaction lar..

If not dun bother with this card..

There is a reason why it is call WISE Card hahaha..

Plan wisely ur transaction, I'm opting Utilities over Groceries due to Im paying my house electricity bill every month..

This post has been edited by t3arsCulprit: Oct 13 2015, 09:05 AM

guys,
why i never see anybody pay bills using hlb connect?

zero benefits.

Well, not all people are rich to get robbed by passing certain roads.
Like me even I have to waste 1 hour on coastal road, I better plan it early to avoid jams.

anybody has experience booking from agoda? do hong leong charge cross border fees?

i just want to fill up my 10xrm50 quota

What category you are using? For utilities and groceries, you can cash it out by helping others.
Like my groceries I'm doing like this, basically I can gain money from this also on top of the cash back gained.

i use toll

but satu kali reload rm200

takkan u mau pergi pakai credit card reload rm50 per week

yalar

wise people pay grocery at AEON RM300 with credit card 1shot

not RM50 swipe 6 times

mine are petrol & groceries...i want to pay my streamyx bill,there wont be any rebate anyway

Well, if this card is not suitable for you. Then, move on.
People have given you suggestions but you shove them off, what's the purpose then?

If you can go to Sam's Groceria, you can pay your Streamyx via ePay system and earn cash rebate as it is under groceries category.

This post has been edited by fruitie: Oct 13 2015, 09:35 PM

i wish i live in KL now

Penang has and soon Kedah will have one too.

Then easy to solve your problem, buy sugar, Milo, Horlicks and sell to kopitiams.

I paid tm bill via hl connect last month..is ok and fast compare with uob pay online.

CB is based on calendar month or statement date ?

Read pg 1 FAQ #9