MCC 5542 is used for Automated Fuel Dispensers and other similar services.

Setel CardTerus is not MCC 5542.

Edit: Just received late evening yesterday, via HLB Connect app notification.

Only able to redeem additional 10 plays from min RM500 spending bonus.

my wise card being approved, is it cant waive the AF? i read many here cant waive but not first timer?

New redemption code for Ladder Up campaign is in. From the TnC, my understanding is that grand prize winner can still win ultimate prize (X90) -(as there is no mention of Grand Prize share same capping with Ultimate Prize), is that correct?

[LADDER] - received the SMS notification yesterday.
I landed on 3 GOLD & 2 SILVER but won nothing.
Most of the prizes have been fully redeemed

Not sure if this has been shared before.

Groceries & Essentials (Enhanced)

• MCC: 5411 – All grocery stores including Giant, Cold Storage, Jaya Grocer, Mercato, etc.

• (New) MCC: 5912 – All drug stores and pharmacies including Guardian, Watsons, Caring Pharmacy, etc.

• (New) Selected convenience stores – MyNews and 7Eleven

Do i earn 8% cashback on weekends if i top up RM100 on my Shopeepay balance?

Possible as merchant may have a few devices or payment gateways served by different banks.

Buy Petronas vouchers at Lazada (-10% from 9/9-13/9) and Shell vouchers at TNG wallet lah, you can save more than 8%.

I checked with UOB, my Setel CardTerus petrol transaction is classified as MCC 5542.

That means HLB Wise should receive petrol cashback as well.

Will test this weekend and see.

Can MCC differ from bank to bank?

hi guys, anyone took HLB's 12m 0% balance transfer promo before?

Wanna ask, is the monthly installment/repayment really 5% of outstanding balance only?

For example like this:


BT amount = RM13,163.40

Initially i thought the installment would be RM13,163.40 / 12 = RM1096.95/month for 12 months

But when i get my CC statement, the min payment shown as 5% like in above screenshot.

so 1st repayment = 5% of it = RM658.17 instead of the RM1096.95 that i expected

I tried finding anywhere else in the statement for the payment amount and nada, it just shows my outstanding balance and min payment = 658.17

not like CC statement where it have 1) outstanding amount 2) amount to pay 3) min payment req

I scared if i just pay the min amount which is the 5% later will kena interest/charges..

EDIT:
also, yes im aware, if pay only the 5% amount every month, at the end of tenure at 12th month will still have a lot outstanding balance that need to fully settle at one go.
Which i guess is where HLB try to trap people la. But for me is okay cause my financial discipline is tight.

So if can really pay just 5% instead of the BT amount/12months then i will go for it. The extra money just park it somewhere and keep. then at final month need take out and pay off all the remainder balance

ok thanks for your confirmation!

btw another question, when you do the BT you will get another 16 digit account number right (similar to credit card 16 digit number)

So do we pay to the BT account number or is it fine to pay to the CC account?

Cause i already saved the CC account as one of my favourites in my paying bank.

If it doesnt work like that, means i need set up a new favourites for the BT account for the monthly payment.