I paid TNB via UOBPayonline using PBB VS and got cashback as ONLINE.

If paid using WISE card, which category will it be, ONLINE or UTILITY?

me same here on the petrol. rm40 already full tank      nowadays only pump rm30-40 each time.

luckily, i split to multiple-RM50 payments for Unifi & TNB, then reloaded 4 different TNG cards (not splitting due to svc charge+gst per reload) .... all at Sam's Nu Sentral.

This is funny, as if people are complaining the petrol being to cheap. 

lol i thought i am the only one facing this problem..had to wait till the half a bar to make it over 50

Spending more on expensive petrol to get rebate may not be a good idea. If you calculate you probably save more than 10% by using RON 95?
Actually no difference when you redeem it.

If you redeem today at RM1.60, you will get RMXXX worth of petrol.

If you redeem with higher price, you will also get RMXXX worth of petrol.

The key is that whenever you redeem it's cash value. If you didn't redeem you still have to pay the cash value. So no diff, best is use it as soon as you can to improve your cash flow (whether price high or low).

Except the case that paying with points doesn't earn you rebates. So if your card is not every day rebate then more worth it to use the card on the day which has rebate, but use the point on day which don't have to rebate. Not an issue for Wise.

Sigh.

Today I give you Smiles points 3000. You need to pump RM45 fuel. You can either spend 3000 points or RM45.

Next month RM1.80 per liter. You need to pump RM50 fuel. You can either use 3000 points and pay RM5 or pay RM50.

If you did points first and then cash later, you have spent 3000 points and RM50

If you did cash first and points later, you have spent 3000 points and RM50.

Both situations you spent the same thing and got the same thing. The points are directly exchanged for cash value.

paid for 2 years liao. no complaints.

always try to max out the RM100 CB each month to get offet the AF.
if u cancel now, ur last month's CB will be total loss. you ok with it? ur spouse may not get approved as well. and after cancellation, u may not get approved back as well.

worth the trouble?
if u can forego the earned CB last month and have other cards to replace Wise, then it's OK la.

Have you spent on the card last month? If cut it now means last month cb all burnt. If ask your spouse to apply, make sure she got it approved then only you cut yours.

for me, of course proceed to pay it.. still worth what?

may ask ur spouse apply it and maximize rm200 cb per month 

Wonder how you know the amount of last month cash back.

My case is once I called to cancel, no longer can login online banking, few days later receive a letter for cancel confirmation.

not that difficult actually. I can do 30 x rm50 too as still got excess expenditure charging into other cards...