Allow me to share my experience with using HL Wise for overseas transaction recently in Bangkok. I have dining as one of my chosen category.

Merchant : THE FIFTH FOOD AVENUE BANGKOK TH
MCC : 5814
Amount in THB : 798
Transaction Date : 05 March 2016
Posting Date : 06 March 2016

Converted amount to MYR : 93.77
Based on this the exchange rate used by the bank would be 100THB = RM11.75. Before leaving Malaysia, I exchanged cash at money changer for 100THB = RM11.90 at USJ.

However there is a 2% Visa admin fee which brings the total charged to RM95.65. You will only get to see the total charged to your credit card in your statement. You would need to call up CS to get the converted amount to MYR before admin fee.

The 10% cash back is only for the converted amount and does not include the 2% admin charge. So the CB for the transaction would be RM9.38.

Overseas transaction posting are now also very fast as compared to a couple of years before when it took weeks.

Hope this information helps those who have questions about using HL Wise for overseas transaction.

How sure are you that you get RM9.38 cash back ? If this is from the HLB CS, I won't trust them 100% (probably 33.3%)

8 more days before CB cutoff (: quick quick swipe yr card.

Btw, tried at petrol station without credit card on pump....swipe at cashier will have 0% of CB. So yeah, try avoid for some rural-ish petrol station.

I have one more transaction to go. Probably will pay tnb first. Still waiting for the bill. I think that meter guy skipped my house.

I have one more transaction to go. Probably will pay tnb first. Still waiting for the bill. I think that meter guy skipped my house.

lol. what is the harm paying RM50 first right 

You can check your bill here:
https://eapplication.tnb.com.my/public/checkbill.aspx

Does anyone as cheapskate as me that will only spend RM 985 per month? Not more or less than that?

8 more days before CB cutoff (: quick quick swipe yr card.

Btw, tried at petrol station without credit card on pump....swipe at cashier will have 0% of CB. So yeah, try avoid for some rural-ish petrol station.

Yeah, it didn't occurred to me until yesterday. Duh. Going to use uobpayonline tomorrow.
Thanks! Will check this out tomorrow as well.

I've only left $100 to spend to max the cash back.

Yup doing this way too... Record in excel file

OT: Yesterday went to petrol station, as I don't know how to set amount to pump, so I asked staff for assist and know that the amount at the back of cent cannot set here, but only inside counter.... I was like... Okay, manual adjust the amount then

Yup doing this way too... Record in excel file

OT: Yesterday went to petrol station, as I don't know how to set amount to pump, so I asked staff for assist and know that the amount at the back of cent cannot set here, but only inside counter.... I was like... Okay, manual adjust the amount then
If this case, I will drive away and find another petrol station

petron very easy set amount. click "preset" put amount..put card.... done.

bhp. put card... bring up nozzle.. clear the default rm200 setting... put in your amount.. enter.... done..

shell... unknow...probably cant set..

petronas need key in amount... put in card...done..

You can do it today, no need to wait till tomorrow.
At least I'm not alone, I'm so particular that cannot spend extra cent to it.

so pcular, later miscalculate and spend less 1 cent which cause u cannot gain full cash rebate

I have one more transaction to go. Probably will pay tnb first. Still waiting for the bill. I think that meter guy skipped my house.

petron very easy set amount. click "preset" put amount..put card.... done.

bhp. put card... bring up nozzle.. clear the default rm200 setting... put in your amount.. enter.... done..

shell... unknow...probably cant set..

petronas need key in amount... put in card...done..

Nice, didn't know that we can set the amount with using cc

only petron can

Sometimes TNB will skip 1 month and will post the bill to your house with estimated usage base on the usage history.