yeah, it depends on how helpful the merchant/cashier and also how you talk with him/her. last time i my restaurant bill came up to rm212 and i asked them to divide into 4 times, rm53 each. she asked whether there is any contest going on with the bank, based on the approval code... i just said yes lol...

Then yeah, you will get 10% of whatever that falls under the category by the end of the March month. Keep on using for March.

And bro, they way you use the card is not effective. You need to maximise this card, then get another card for Insurance and Online transfer.

Edit due to incorrect info I provided

This post has been edited by ronnie: Mar 25 2016, 03:19 PM

The aunty in Nobel just don't want to help me though I said please.

yes, advisable to group up items to min rm50 per receipt.

if you based on a single receipt and ask to swipe few times, most cases they will avoid doing this as they are afraid that you may call your bank for dispute later claiming that there are duplicated cc transactions by the cashier. this is why you will be assumed as a thief or conman for initiating this.

Yes, I know its not optimal to get RM100 back / month.

However I only have 1 credit card and to be honest I'm still figuring things out lol.

For my case I said I want to have 2 receipts for 1 item each.

maybe you see wrongly? the second attachment is actually his february transactions. for march he still on the way to achieve 10x.

Not sure if I get you correctly, you counted in this manner?
HOTEL EQUATORIAL transaction - swiped RM188 (counted as 3x RM50)
GREATEASTERN transaction - swiped RM150 (counted as 3x RM50)

Total 6xRM50 for the above.

The correct way to capture should be:
HOTEL EQUATORIAL transaction - swiped RM188 (counted as 1x minimum RM50 transaction)
GREATEASTERN transaction - swiped RM150 (counted as 1x minimum RM50 transaction)

Only 2x minimum RM50 transaction. You will need 8 more such transactions to qualify for cashback.

Is there any other transactions before 25 Feb?

what do you mean?
an item that cost rm100 you asked to separate to rm50 x 2 receipts?
for example, a blender that cost rm100, the receipt will write half of blender rm50 and the other half of blender rm50?

i just mentioned that he updated his attachment, try to view again.

double post

This post has been edited by victorywp: Mar 25 2016, 11:20 AM

What I have:-

1) HLB Wise - Food and petrol category
2) HLB Fortune - 1% on all other transaction
3) HLB Mach Card - 5% on food, 10% on GSC
4) Citi Platinum Cash back - 5% Fuel, 2% Groceries and Pharmacy

Wise is my primary card when it comes to food and petrol. Once it is full to get 100 cash back, I switch to Citi and Mach for fuel and food accordingly.

My movies in GSC is like RM 150 a month, so the Mach is very useful there.

All my mobile goes to Fortune. Too much hustle to pay every month. Just do direct billing.

Oh well, that 1% transaction on everything on HLB Fortune is great too because averagely my other transaction every month is RM 3000 and above, thats if I don't have business trip. And, every application anniversary of the card, they will give you money depending on the tier of money spent on your card throughout the year. Check it out.

My main cards and usage:
1) HLB Wise - Groceries, Utilities and Mobile
2) HLB MACH - Dining
3) UOB VOX/CIMB CR - Online Transactions
4) Ikhwan - Petrol, Groceries as back up
5) OCBC GE Plat - Insurance and general usage if AmEx is not accepted
6) Maybank2Card Plat - General usage and dining during weekend

I still have other cards which I seldom use and they are for PPL mainly. Now I have another credit card for petrol on Sundays which is AEON BiG card.

So yeah, in conclusion, try to maximize the potential of all cards. My HLB Wise is strictly for these categories and only for RM 985, no more than that.

Ahh. just saw it. Too many posts suddenly, missed your previous post.

ehh..ye la...1st year waive

six different receipt. Once around rm50++, i ask him to swipe. (by segregate the items)
Actually, its depending on the cashier (usually they all ok), but with common sense by looking people Q behind me.

good info bro..thanks.
For card no 3, means for online shopping such lazada etc?
What is the benefit for this card?

I'm not a bro la.

Yes, those are online transactions. Check out those threads in this section.

Thats hell alot of card to remember. Kudos.

aiseh...hahaha