I always split payments for my TNB in the same day.

Just 47 and RM 20.

It will round up if it ends "5". For e.g: 475 for petrol then you will get RM 48 and RM 205 for department you will get RM 21.
It has AF whereas Ikhwan doesn't have. There is no minimum usage but in order to get cash rebate for HLB Wise, you will need to perform 10xRM 50 first.

petrol also can control using manual amount to be pumped.

I only pump RMx5 when bearing end of the month. e.g. I've pumped RM55 this morning , expected to last till 1-2 Nov.

I pay my TNB, and distribute it into several RM 50 payments. You can also combine it with mobile.

petrol, 4-5 times of RM50/55
groceries, 3-4 times (inclusive of TNG reload)
mobile, 3-4 times (inclusive autopay and prepaid reload)

already achieved 13 times x RM50 last weekend.

My Oct spending:

Already 10 times.

Streamyx = RM 50 x 2 + RM 80 = 3 times
TNB = RM 50 x 2 + RM 60 = 3 times
The remaining items, each one time.

By the way, PBA is?

Perbadanan Bekalan Air Pulau Penang I guess.

yup is penang water...i got their stock...
hey guys, since you are staying in penang, ask you a question which not related to wise..
is it penang is having water rate hike on 1st april? i saw their last quarter report increased with the news of water rate hike.. just to double confirm, as I am going to accumulate more share about it and anticipate good result again next month..

Sorry guys. I'm a little bit out of topic. Anyone knows any Hong Leong Credit Card sales agent? If yes, can you please refer him/her to me. Make sure got free gift ar. LOL

I pay my TNB, and distribute it into several RM 50 payments. You can also combine it with mobile.

Just register an account at UOBPayOnline, you can do multiple transactions at one once. My highest record was 10 times in a day.
Don't need to go to TNB la.

https://payonline.uob.com.my/payonline/Login.do

Already 10 times.

Streamyx = RM 50 x 2 + RM 80 = 3 times
TNB = RM 50 x 2 + RM 60 = 3 times
The remaining items, each one time.

By the way, PBA is?

The agent recommended offered Zebra pot or Zebra tiffin carrier. I told him it's ok coz he told me they will have booth in qb mall this weekend so I'll be going since the free gift will be different. To expedite, i'll prepare all my payslips in advance by snapping pic. Haha

Received my first cash rebate - RM 60 only. But I'm happy.

thought you're trying to hit RM100?

where's the rest?

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.

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).

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).

the only question to ask salimbest83, are you anywhere NEAR sam's groceria?   

else, you might want to rethink the strategy.