If only you don't mind hold onto your money for 3 years

Yes account more than 3 years. May be can even make some interest from ptptn using credit from CC!!!!! Workable?

can only use cc to pay ptptn
cannot use it for sspn
sspni is an insurance+saving

This post has been edited by epie: Sep 17 2016, 12:50 PM

Checked with ptptn officer,
1)sspn-i is without insurance, cannot deposit saving using cc, can withdraw money anytime, can deposit any amount.
2)sspn-i plus is with insurance, can deposit saving using cc, can only withdraw after 3years, need deposit follow their package,
I)max amount- pakej berlian is RM500 (200 saving, 300 takaful)
II)pakej nilam is RM300( 270 saving, 30 takaful)
It's not worth it to swipe wise cc for sspn-i plus, as the insurance portion is not recoverable, and it reduce the CB %.

ok, TQ for the info

Support mass cancellation. Hunting for new card for replacement.

The voice will be heard if the number is significant. Just like the case of CIMB imposing utilisation charge on flexible loan last year, they have to withdraw their plan after significant number of affected parties called for mass protest against CIMB

not really. it's a cycle. good cards come and go.

take ocbc and Amex for example.

*out of topic.
Really? CITIBANK start to collect RM10 every month like other banks on flexi home loan, sometimes back in year 2014 or 2015.

Yeah, I also feel that HLB is more than happy for us to cancel their cards... Now they revised the T&C so that RM 100 cash back is not easily earned anymore.

going to cancel wise once cimb cash rebate card activated

Am I the only rare one who is going to keep using the card?

I'll route my insurance auto debit to this card and 2k is doable.

Even if I route my insurance I still cannot achieve 2k unless I setup a kiosk in office to help colleagues to pay TNB, mobile bills and mobile reloads.

Well, if only they decide to waive my AF, else I will definitely cancel it.

Erm have some question.. My card issued on Oct 2nd week... So I need to terminate in end of Sept to avoid annual fee rite?
So if I terminate in end of this month, my this month cashback will gone?

It is based on approval date, so it could be earlier than Oct's second week.
Yes, cash back will be gone but some said can ask them to transfer to CASA or other HLB card.

I'm yet to try mine, will try after I get my August cash back this month.

I don't think hlb doesn't want you to earn the RM100 every month. It's just that they want more from you in return. There's no other card that will give RM100 a month regardless of the percentage of cash back.

You're not alone 😉

i'll be doing the same too
insurance,car service,shopping will go to this card

before this i was using aeon-cimb cr combo

Personally I prefer the new rules as I typically spend 3k or more on cc. The 10 x RM50 transaction is too mah farn, need to keep track how many times I swipe. With the new rule I just need to make sure I use Wise card for everything.

Some customers are spending RM600 and getting RM100 back so obviously they will lose money on these customers. I think once they managed to get enough medium-big spenders (i.e. 2k and above), then it is time to cull the loss making customers.

Btw, still can get TNB cashback if pay via UOBPayOnline?