if my category is petrol and groceries, the 10 swipes need to be only in those both categories to enable the cashback?

if 5 transaction for both of my categories, but the remaining 5 is on dining for example.



Another question:

1. from ringgitplus, it is written that the 1st year annual fee is waived with 1 swipe (45days from card approval date). But this does not show in hlb website. Thus, isit only appicable for wise cc applied at ringgitplus?

2. if my current category is petrol and groceries, but today i want to pay all my utilities bill (TNB, syabas, etc.) maybe up to rm500, thus i swap to utilities category (charged ~rm11). then after i pay all the bills for the month on that day, then i change back to groceries (charged again ~rm11). will i get the cashback
i made for the bill payment on that day? (*given that month transaction of rm50 is more than 10 times already)

This post has been edited by fixgd: Jun 23 2016, 07:16 AM

haha. yeah reduced effectiveness. but my petrol is only about 300 to 400 per month (about 3-4 transactions) and groceries only about rm500 per month (about 2 transaction)

the only way to get maximized cashback is by limiting rm50 per transaction which is for me kinda troublesome.

This post has been edited by fixgd: Jun 23 2016, 07:24 AM

however, rm70+ cash rebate over rm1300 spending is good for me already actually. there is no other card that could give me this much. even my citibank cash rebate only could get rm30+ per month.

ive applied for mbb ikhwan platinum, but they gave me gold. i dont understand why because i am qualified for platinum. so i just canceled the gold ikhwan and maybe try this wise card.


i've posted this question in the post above:

1.if my current category is petrol and groceries, but today i want to pay all my utilities bill (TNB, syabas, etc.) maybe up to rm500, thus i swap to utilities category (charged ~rm11). then after i pay all the bills for the month on that day, then i change back to groceries (charged again ~rm11). will i get the cashback
i made for the bill payment on that day? (*given that month transaction of rm50 is more than 10 times already)

but somehow rm500 is only the example. my tnb bill is always on the ~rm200 ish, and sains (syarikat air negeri sembilan) is less than rm10. so might as well dont have to change the category. haha

2. top up touch and go at jaya grocer (bangi getaway) is applicable for CB under grocery? i only saw people talking about sam's groceria

This post has been edited by fixgd: Jun 23 2016, 08:00 AM

then i should just use uobpayonline to split my tnb bill and get 3~5 transaction i guess. maybe streamyx bill for 2~3 transaction. and the others just charge for petrol and groceries.

eh. i tot different benefit. only platinum give cb. need to call MBB back. haha

This post has been edited by fixgd: Jun 23 2016, 12:22 PM

haha i tot only plat have CB for ikhwan. i read wrongly it seems.

yeah for wise i only applied for gold as recommended by others

my gold application just got rejected.

i dont know why. so just re apply again or can try and call CS?

any other groceries store that can make this kind of payment?

is there anybody could help me get this card approved? my application got rejected twice, although the requirement is very low. its like they limiting this card for new user

applied maybank cc after that no problem. not that much commitment only 1 car. ccris also not blacklisted