I just published my article The Best Top 10 Credit Cards in Malaysia 2016 - Ultimate Showdown, and it in I gave 2 examples as to how one can benefit from the HLB Wise credit card even if they do not swipe 10X on the 2 selected and bonus categories.

The Wise card can be a replacement to the Maybank 2 Cards AMEX for those looking for a card for Petrol, and you do not need to pump RM1000 a month to enjoy more than RM50 monthly cash back.