if let say i spend 2k on the selected categories, still eligible for 5% rebate? or must spend 1k on retail?

Even if waived is still not worth to keep.

You spend the 2+1 you are getting 4.29% of cash back, if you spend rm1k+1k, the next rm1k won't yield anything.
If you switch to MBB's Ikhwan, you will be getting full 5% cash back and any other transactions, mostly will yield 1X TP.

wise also not giving you 5% for any transaction. see if u swipe 2k on insurance n see how much cb u r getting...
best is using others card which can yield 5% straight....no need maintain the calculation of 1k + 1k there...
use uob lady card gives u 10% on groceries too

Well, the most is you get 1 year of AF waived. If forever, then different story.

If I can spend > rm2000 a month, I will get MBB's VS.

Indeed no harm trying to test your luck, but it just shows that you are just like a beggar, trying beg for waiver. I never asked for waiver for this card before, but yet I got 2 years direct.

Yes, it do have difference, I'm an adult while you are a small boy. That's why I never said HLB honor what they says. From the so-called 10% till now 5%.

Or UOB One BHP 7% on weekend.

did u all receive all the CB? after saw the list short of 1-2 weeks frm the total given

Am I rght ?
RM1k for the 2 categories and another RM1k for the categories or others

Yeh, and the problem is that you can be in a position where you get nothing if you accidentally miss one transaction or miscalculated.

I spent RM 2000.63 this month and kept checking in Excel that everything is captured correctly.

It is still an excellent card for people who know for sure that RM2k is achievable.

sorry just to re-confirm.
the min spending of RM2k applies to monthly spending or billing cycle spending?

monthly?

I think someone did it a few weeks back, requesting the annual fee to be waive due to the changes of their T&C.

I said the same something and add i'll use this card till end of 2017.

For those who wanted to cancel Wise due to other cards have 5% rebate or more and without annual fee, not because of the high minimum spending requirement, good news for you.

Just call CS and tell them this card is still worth it for its 5% for any transaction and CS might offer you to "extend" your annual fee to 1 more year, yes that was the term used by CS.

My AF was charged back on the 1st March 2016. CS said my next AF will be charged on 1st March 2018. Happily accepted, I asked is it subjected to approval? CS said no, if you are willing to use the card then we will extend the AF for you.

After the conversation, I sent a message to HLB via HLConnect. Today they replied and confirmed that my next AF will be charged on 1st March 2018.

Source:
[attachmentid=7621751]

So if you plan to cancel or even want to use it, do call them first. Maybe you can enjoy pure 5% for any transaction (at least 1k only) till your next AF charge.

i found a HLB fortune card, is this a good card to convert from Wise?

RM0.00 HLB: Get RM5 POPULAR Cash Voucher with min spend of RM150 with HLB Credit Card at POPULAR Mega Deals (29/10-1/11/16)! T&C apply@ www.hlb.com.my/popular

I will not pay also. Will only consider if hl offer me to take card without paying that fee

can use personalized image?
like unique card from alloance?

i thought only write some words on it.

Sorry to ask this question, does myTNB entitle for Wise CB? Or better pay it at uobpayonline instead?