I read thru this topic stated annual fee can't wavier, i try make a call to customer service just now, they said can do waiver if i do an additional swipe 6 times transaction with any amount within this month (my card due on Apr 2016) then will do waiver for me. Is anyone experience this? can trust or not?

Then i mar become "white mice" for this forum   

But, i will call them again end of the month after 6 swipe just to play safe...
Hopefully it's true.......

First of all, are you getting full cash back every month? If yes, what card will you switch to that will give you the same cash back?
Second, will you apply again for this card after cancellation? If yes, what if HLB rejected your application?

You wont be working in Malaysia, but you will still earn rebates on overseas spending right? As long as the MCC falls under the 3 categories you still can maximize the cashback. No need to cancel ma..

Have to take into consideration of exchange rate and also service charge.
If I were him, I might consider to terminate too.

but for us as 'foreigner' in other country, it might be harder to get credit card approval.
Don't cancel until you managed to get a better card from overseas.

Hi,

Anyone of u just apply with EPF statement without pay slips?

Lazy go dig my pay slips

I got contacted by a sales agent and then he e-mailed me

he say cannot use EPF online statement, kena print from EPF kiosk.

OK, sometimes I wish we don't get so many insider news on this section.
Break our heart.

Is the below table correct that i can start to enjoy the 10% cash rebate after 10 transactions (>RM50)?

Thanks.

Why online payment no receipt?
I paid my Digi bills via app or desktop web, I get receipt in my email.

I wish I can pump petrol for 6 months in advanced.

overpay mobile or utilities (uobpayonline) lor.

what are ur categories?

best choice is mobile. easy to pay and easy to manipulate payment to multiple RM50s

good combination but how come no utility to pay??

10xRM50=Rm500 only o

mobile 3x, tnb 3x, syabas 3x, cincai swipe non category 1x...done... at least get CB.

if u cant EASY hit 10x but need overpay every month...

then this card is hard for u... no offense...

how should i pay for my umobile ya? from which website?

There's no issues with Mar transactions as i get the cashback for Mar.

However, I've made 5 transactions over UOB Payonline web site on 15 Apr, which i think i use HLB Wise for payment. However, i cant see this 5 transactions posted in my HLB credit card account online. I've checked UOB Payonline web site for payment history but unfortunately, no credit card number is shown on payment history. I've checked TNB online account as well and payment was credited into my TNB on 17 Apr but still no credit card details is shown on online account.

I definitely made >10 transactions in Apr over category mobile, utility and petrol. I guess the missing transactions are causing the missing cash back.

tell the girl that you are going to cancel your card and that she will lose her commission right away. see whather response. perhaps she will get one of the luggage bag for you by herself.

7. Confirmed AEON Supermarket categorised as Groceries: Permas Jaya / Midvalley / Kinta City / Station 18 / Sunway Pyramid / IOI Mall

Bro, Aeon is divided into 2 sections, supermarket and general merchandise store (GMS). If you shop at supermarket then 99% it will be grocery, if you shop at GMS then 99% it will be departmental.

You better buy vouchers using HLB Wise then spend and not directly swipe with your credit card for every of your purchases.

Most likely buying vouchers under departmental because CS usually not at supermarket area.
Yes, in supermarket area will be groceries. It will show on your CC slip "SMKT" = supermarket.

That's what the people say in the relevant threads earlier. Actually AEON stuff also not cheap, why buy from there?