CONS
- 10% Cashback only applicable to 2 selected categories + Mobile (by default)
- Min. 10 times RM50 spending per transaction to "activate" the 10% rebate.

If you can swipe petrol RM 50 for 9 times, I bet there are other options like mobile, utilities or groceries too..   

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..