Can we terminate using call? And if end of Sept we terminate do we get cashback on Oct? Annual fee is calculated all member same date month or calculate 1 year from date you activate the card?

2k and get 100 meaning 5 percent lol

This post has been edited by eddie2020: Sep 14 2016, 03:28 PM

as usual, ask here https://forum.lowyat.net/topic/3644347 by following the template in post #1

you'll get recommendations for cards that may be suitable for your spending.

i know that, but your statement was about swiping RM2000 ONCE in a month

Is that means that as long as I swipe rm2k per mth regardless of which category, then I'm entire for rm100 cash rebate?
To be honest, it's not worth for it as we still need to pay annual fees. Some more the annual feed is expensive.
Unless it's life time free annual fees. Then it can be consider.
I'm going to terminate my card before it expired.

Yes, let's support mass cancellation

From my reading in this section best card to replace WISE especially those who subscribe for groceries n petrol is PBB VS and MBB VS. If not eligible for MBB VS can apply for MBB ikhwan.

Petrol
-MBB VS 8% daily
-Ikhwan 5% on friday/saturday

Groceries
-MBB VS 8% daily
-PB VS 6% daily
-Ikhwan 5% on friday/saturday

Mobile/some utilities
-PB VS 6% daily

MBB VS 8% ??

Should be 5% for both right ??

The effectively CB can be lower than 5%, is depend on how much you spend on your selected category with total spending of 2000 and above

You may get zero cash back if for some reason some transaction not posted in that particular month and result in total amount fall short of Rm2000.

Might as well use MBB VS and PBB VS to pay most of the categories covered by Wise, no minimum spending amount required

Another potential substitute if cannot hit VS minimum income requirements could be HSBC Amanah M Power Platinum. I hold this card and hardly ever use it, but I think features are as follows

- 0.2% on all local spend
- 2% everyday on petrol and groceries (if total monthly spend is below 2k)
- 8% everyday on petrol and groceries (if above 2k)

The 2k requirement is similar to Wise, but at least you get something if cannot achieve. And 0.2% on the other spend is better than 0.

any more successes in getting the bank to prorate or waive AF? please share your experience.

totally understand that statement, but just doesnt make any sense

24k ok i diam

Just to share more info I just got from CS about the new Wise terms:

1. My annual fee is due in Dec. I asked if it would be charged per normal or if waiver is possible. They said no waiver and if I don't want to pay, then better don't use card near the anniversary date. Guess I'm not as lucky as others .

2. The 2k retail spend covers almost everything except those specifically listed. From 1 August, HLB cards (including my Fortune) changed terms such that government and Jompay are excluded from receiving cashback. However, this exclusion does not apply to Wise 2k retail spend criteria. So, if you spend 1k on Wise categories and 1k on government (including DBKL, LHDN, MPPJ etc) it will fulfil the 2k criteria.

On related note, Pos Online MCC is 9402 (government). Because of this, I did not qualify for cashback on my Fortune card in a August.

Get the card on July and the term changed started on Oct. Great. Gonna get 10x in Sep and stop using in Oct and get my Sep CB back. Until get a CC to replace Wise gonna terminate it. Since i still have 10 months until my AF charge.

13-Sep-2016 13-Sep-2016 Congrats! 30% CashBack : Wk13 to Wk17 49.36

The cashback appear at my internet banking for 30% Cash Back on Weekend Dining Spend 9/7/16 to 8/8/16. Thank you HLB.

MBB VS is 5% daily, cap at RM88, but only 1st year free AF, subsequent year need to spend RM50K/yr only free waiver, else AF RM550.

If u r lucky, u may get waiver of annual fee for MBB VS, as reported by others earlier

Applied for new card but after the T&C Change, call to cancel the card last week,

But still received the physical card yesterday . .

Called CS to cancel says takes 5 working days.

I thought can save resources printing & sending the card to me.

This post has been edited by alvinfks78: Sep 15 2016, 12:37 PM

Once they changed the TnC, look for alternative/ replacement card, there are always other options available. Don't keep the card, else they will never competitive

MBB VS ? full name ?