Getting tough to get full CB recently due to special CB from Boost, other e-wallets and credit/debit card games.

Hard to spend RM1k on electricity+groceries+mobile.

I can get/win >10% from e-wallets or other credit/debit CC recently.

I only need to spend RM990 on Utilities and Groceries to get RM98. Effective rate is misleading.

Category 1 RM **5 x 10% rounded to nearest RM
Category 2 RM **5 x 10% rounded to nearest RM
So RM990 + BP/Boost/Govt RM1010 to get CB RM100
Assume cash-out cost RM2 from BP/Boost,
So my real spending RM990 to get CB RM98.

Forcing me to apply for UOB Yolo! 

Fortunately and unfortunately, we will spend more on Petrol soon.
Around RM2.40/L instead of RM2.08/L.

2x RM100 possible.

Don't hurt me so much, I can switch to Boost for utilities.
(Not TNB)

You can use Yolo to reload some e-wallets and get 8%.
Why you still use Yolo to pay TNB? Use HLB Wise you will get 0.25%.
eg Boost @ 8% + TNB @ 0.25% will give you more CB (amount) than TNB @ 8%
If you don't have Boost/TnG/BP, then UOB Yolo is really good for online payment to TNB.

My case is different.
I can use Yolo to reload Boost and get 8% (but I don't have UOB Yolo)
then use Boost to pay Sarawak Energy (SESCo) to get additional CBs from Shake reward and Mission reward.
Or use online banking to top up SarawakPay e-wallet, then pay SESCo and get 2-8% (random) shake reward.

Allocate all the RM1k eligible cash back category this month to prepay your coming months TNB bills. At least can stretch a month or two before getting an alternative card for TNB.

No need to use Bigpay lah, use HLB Wise.

Assume RM1000 to TNB , use PB VS to top up BP/Boost - RM1000.
Cost to cashout RM1000 from BP/Boost - RM2 or 0.2%

Use PB VS to top up Bigpay and then pay MyTNB - RM1000,
You will gain RM60 (from PB) + RM0.70 (from Bigpay) = RM 60.70

Use PB VS to top up Bigpay and then cash-out, use HLB Wise to pay MyTNB,
You will gain RM60 (from PB) - RM2 (average, charged by BP) + RM2.50 (from HLB) + RM0.20 (from BP) = RM60.70 (or more if you can withdraw >RM3000 from ATM)

IMO, OCBC Titanium (1% unlimited), HLB Essential (0.4%/1%) are better choice till TNB bills can be paid via Boost.

I foresee they gonna lose a lot of customers after July..

For first year annual fee waiver when will credit normally ya? Saw annual fee charged to my card.

Why suddenly this month i did not get maximum cashback although i already spend above requirement? Also this month got cashback for dining..previous month no problem..always maintain max cashback..already use wise card almost 1 year..why suddenly this happen? Any idea or suggestion?

So disappointed that they revised the cashback to such a low amount now. Used to every month getting rm100 cashback. Any good card to recommend for petrol+dining+ mobile?

Plenty of choices, Citi 10%, HSBC 8%, JOP 15%, etc.

Join in the celebrations and be rewarded for choosing greater value at Giant! [ HLB ]
03 OCTOBER 2019-31 OCTOBER 2019

Just spend a minimum of RM150 with your HLB Credit/Debit Card!

Terms and conditions:  Payment must be made using your Hong Leong Bank Credit/Debit Card issued in Malaysia. Promotion period is from  03 October 2019 until 31 October 2019. Promotion is limited to the first three thousand (3,000) redemptions throughout the promotion period, subject to availability, on a first-come, first-served basis. Valid for one (1) redemption per cardholder throughout the promotion period. Cardholder has to present their HLB Card and purchase receipt to redeem the RM10 Giant voucher at the customer service counter in the same store and same day of purchase. Usage of the voucher is governed by the terms and conditions stated therein. Voucher is not exchangeable for cash or cheque or in kind or other items and cannot be used in conjunction with any other discounts, privileges, promotions, discount cards, nett price and loyalty programmes unless stated otherwise. Giant reserves the rights to change these terms and conditions at any time. Hong Leong Bank makes no representation or warranty for products and services offered by merchant and shall not be liable or responsible for any changes, claims, loss or damages resulting from this offer. Pictures shown are for illustration purposes only.

Anyone of you can access your credit card information from HL connect?

Mine is down since this morning

just got & activated my wise gold card today
Checked on hlconnect, somehow I got RM50 outstanding balance with payment due date 6-nov-2019.
What is this?
Do I need to settle/pay this by today?

Thanks