https://www.hlb.com.my/main/personal/cards/WISE-card

This will solve problem for those who want 10% off utility bills (TNB, Syabas)

h/p bill is a bonus 10% off.

Just select 2 of 10 categories :
1) Utilities
2) petrol

dining
departmental
travel
..etc...

change category will be charged RM 10+ 6% GST and effective the following month.
Better not change. Just apply supplementary card and chose 2 more categories.

Feel free to add in / edit.