Sure can, you give them money to spend wor, my highest record ever was -rm8**
But after HLB revise the T&C, you may consider getting another card, but as of now, spend as usual

Postpone to later date, again. June maybe? I don't know. So what we can do know is, continue to spend as usual.

Well, that's why we need to plan properly. Last time I always overpay my Maxis which is quite stupid to do so.
After knowing how coffee shops like 2KG Milo softpack very much, I begin to buy and sell to them which make more sense.

If groceries, do like what I'm doing to full fill the requirement, buy and sell Milo to coffee shops

I think they are looking at limiting credit card transactions on E-pay.
Tesco you still can try your luck on those part timer cashiers

You are telling that terminal? Is it a share terminal with other E-pay or just T&G?

Own terminal usually are more reliable.
But if all for one, maybe have some connection issues.

Such rumors already been in the talking from February this year.
Only a joker so far managed to come out a "revised" table that can be created by anybody since no official HLB logo on it.
Other than that, I only see "I heard from XX" or "heard from yy" type of unverfied sources.

At the end, it is still bullshit, cash back still remains the same.
Don't know why every now and then still have some jokers simply spread rumors

This post has been edited by supersound: Apr 29 2016, 09:07 PM

Actually the "right" card that sure gives you cash back under online is PBB's VS.
A bit of offtopic but it is a fact.
Suggest that you start looking at other bank's cash back cards that suit your needs.

So if you can get this card, just get it, follow by Maybank's cards which will cover petrol and groceries.
Always remember, cash back is just a bonus for us when spending using credit cards.
Still, start digging other cards that suit you the best if HLB really revise their T&C.

1st year sure can get, 2nd year onward for the past 2 years already cannot.

That's why you must get rm100 of cash back every month, to offset the AF.

Well, basically all my spending all covered by cash back. Like my departmental and water bill are covered by groceries.
You still don't know how powerful groceries cash back are.
Still I want to boast trading Milo or other groceries required by others
Like each month I allocate rm1000 of groceries to coffee shops, with STUPID card and MBB's Ikhwan, average cash back for this are about 6%, so I got rm60 every month.
For me, I don't bother too much if a bank revise their cash back T&C, as long as groceries and petrol still maintains, if both of this are removed, then I'll just cut it.

This post has been edited by supersound: Apr 30 2016, 05:08 PM

Maybe you shall look for any clause in Malaysian Law stating a bank shall approve any card applications and show it to HLB

Be a trader to coffee shops, simple as that.
Have to know that, departmental spending in average won't be that high(atleast for me) and mine every year the most are rm1000. With current condition, getting departmental cash back cards are getting lesser. For me getting rm50 of cash back once a year does not make sense. But by buying groceries that a coffee shop operator needs will help you get that rm50 first. Buying 33 bags of 2KG Milo soft pack will get you ~rm50 of cash back.
Sometimes I even make more than rm50 as I can sell 2.2KG Milo for rm31 even I got it at rm30 which leads to rm33 extra.
As I'm a regular customer in coffee shops, so it is not a problem for me to cash in back
My house are full of Milo stocks while my wallet are empty, so whenever I need cash, I just bring 2-4 bags to get cash.

Traditional coffee shops.
Anyway, as some joker butthurted and selectively make noise, let's stay on topic.
As said before, departmental category are limited to few places only. Keeping KL aside, only aeon, thestore, parkson has few categories terminals. Like aeon likes to swap around terminals which make life harder. Some stupid joker even suggested to do rm1 transaction at aeon to verify what category that terminal registered to. Have to know that, aeon service are very poor especially on cashier. You can easily waste 30 minutes on waiting to pay. Groceries when selling cheap as Tesco will finished very fast since they put little only. Other time when they do promotion, the Milo still sells at rm32, Tesco when doing offer only rm30. So buying aeon voucher as departmental and spend in supermarket does not justify the savings or profit.

Suggest that if you want to advise, please do it fairly and not selectively. Previous page also got off topic discussion but you choose to ignore it.

Let's see, in Seremban only traditional coffee shops already has 100 big scale, small scale not less than 200, if average they are using 1 bag a day, my 33 bags can't even fullfill 20% of the requirement. So will my business being affected? Nope, it don't.
Aeon's way is just to let loser thinks their have standard, not more than that. So people that willing to shop there always think their are more superior and don't mind paying extra for the same thing.

Yes, you are right, they are good with not so fresh overpriced salmon.

Sure can get cash back, but if your bill are > rm100, better do it 2-3 times