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.

Don't rely on that. Can be as little as zero days sometimes, and most of my transactions are 1 day later. Depends on the terminal used etc.

Safest is, make sure you hit the 10x spend early on in the month (before 20th is safe because you have time to check online to make sure posted and if not, plan more spending).

Once that's hit, then can spend as normal. If you're the sort who always wanna hit that RM100 (like most of us here), then make sure your last transaction is by maybe 27th of the month or so to be safe.

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).

all the girls you know are airheads izzit? Normally the wife the one who manage household spending since zaman dahulu leh.

Like alexanderclz said, depends on individual.

My petrol only 6x a week for family (at max).

Groceries, always cheaper in market so mainly use for TnG.

But my TNB split is 4x (plus I help my parents pay which will always in total with mine be over 10x di).

So my guaranteed RM50x10 comes from TNB alone. I also use Groceries category so once in a while when buying milk powder or other stuff not from market can use. And to reload TnG.

My telco bill between me and wife cannot even reach RM50 a month (thanks Umobile!).

Varies a lot between individual.

Ah I see it's supersound, HLB is always wrong

Next time better do transactions earlier. Use UOB Payonline at the start of the month to pay some bills, for example.

Seems like for some reason HLB don't want to cheat you this time at least if you listen to certain posters....

Since first year is free, any problem with holding for 11 months and cancelling on 12th month? Zero cost as AF still not charged.

Good to ask, but unlike PBB VS this card is based on month so *should be* no change.

I normally do 10x transactions first day of the month, split two different TNB bills. No issue.

Why? It's zero cost for first year, and the T&C will change only with notice. May aswell squeeze RM100 a few times before the rules change.

Hi for all those who optimize kao kao their spending, my this month is as follows:-

105 grocery spending
832 utilities spending

Based on above I have RM11 cashback from grocery and RM83 from utilities right? Meaning to optimize (if I assume I can only add to the utilities and don't wanna purposely go buy groceries) I need to add RM53 for total of RM885 spending which gives RM89 cashback?

I don't use this for mobile as I buy mobile from qoo10 with shopback (15% total cashback) anyway.

Thanks.

0%. No cashback.

Your instant transfer costs 53 sen vs 11 sen for IBG. Have you considered whether the extra day is worth 42 sen?

See below for calculations. I would be surprised if you actually save 50 sen per day.

May I suggest instead of instant you do IBG in the morning? As IBG is now same-day as long as transfer before 10am or something (tried and tested many times by myself). I do that to avoid losing any interest when moving between banks.

Suggest you play safe and do April 1st.

TNB bill in my experience pay a bit late also no problem. And you have until 5th anyway.

The TAC is to give permission for a transaction, and expires within a few minutes.

Once the transaction is approved it will be executed on the given date. Not like the system gonna store the TAC for 2 weeks.