That makes a lot of sense, and can spread the other types of spending to hit the other RM1k per card.

Another good thing are HLB dining promos. They did a few last year (I think 30% on weekends). Those alone can cover annual fee easily, and this is on top of the dining standards cashback.

6. Use the RM1000 'no cashback' portion for things that most credit cards normally don't give you cash back (or low cash back) such as governments transaction, insurance, education, hospital etc.

Possibly PBB VS plus one supplementary card (with separate statement) will yield RM1200 if you spend RM833 monthly per card on online, groceries and dining.

Annual fee waived with 12 swipes.

But. 100k annual income requirement.

Just cancelled mine and asked for RM100 credit to be transferred to HLB Fortune card.

They didn't bother retaining me.

Tried checking all my past HLB statements for merchants with same transaction and posting date, but can't find any... Sorry

Mine was immediate too. Then the extra credit was transferred to my HLB Fortune card within 2 days. Super efficient in terminating me!

Sorry to hear about your bad experience. I personally don't trust ANY CS phone instructions, and would always advise people to obtain black and white confirmation. My usual method is to call CS, and then shoot an e-mail to set out the details of the conversation and request for confirmation in writing. Need to protect ourselves, otherwise their mistakes / misrepresentations become our problem.

When I first found out a few months ago, I called CS, wrote an email and also sent a hard copy letter to ask them to update their TNC and other documents to show the change. Until now, they have not done so. I think it is very misleading to exclude this as many people are caught unaware.

So weird right?

To be safe I paid various bills for one lump sum of RM1000 through Shopee so that it should get RM70 if today's quota still available

Requesting for permanent credit limit increase with HLB was such a pain.

Following some of the posts in this thread, I left a message using the HLB online portal. It took more than a week to receive a response saying - you need to fill in a form and fax it in. They said "please provide your e-mail address so we can e-mail you the form".

I'm like... HUH? You already have my e-mail address! And how come there is no e-mail address to e-mail the form to? Who still uses ONLY fax nowadays?

Today I also received a call from a HLB sales agent saying they got a referral from my online portal request. He was like "So Miss, I understand you are interested in applying for a new card". I'm like... NOOO!! I just want a permanent CL increase! And he's like... "Oh, that one you have to ask customer service, I thought you want a new card".

Ugh.

I finally managed to fax in my documents using my office fax machine. Now just waiting to see how long it takes before they respond to me.

No current workaround.

I now do mine via JOMPAY using SCB Just One.

TNB I now pay from the TNB app - so that remains a good alternative.

Should not be possible, since the BT liability is attached to your card.

Fortune may be a good alternative if you can hit the additional bonus cashback. See T&C on HLB website, as you have to check if this suits your spending pattern.

Did anyone apply for CC under the previous "SST on Us" campaign from 8 April to 30 June (similar to this Digital Day RM50, but that time only RM25)?

I applied in April and fulfilled the swipe condition on the day I received the card. Still haven't seen my RM25 credited back. Just checking if anyone has?

I'm trying to apply for more cards on the HLB Digital day thingy, but the HLB Emirates thing they are offering me is "Emirates HLB World Elite" which has a crazy AF. Did anyone manage to find away to apply for a lower tier using the promotion?

Did anyone apply for Visa Infinite (under the DD RM50 promo?). I haven't received mine yet but got my Essential week ago.

Also, I can remember if I provided my Enrich number upon sign up....

Did you guys? How do you link the card to your account? So confused...

LOL I can't rmemeber. But I randomly received a NEW enrich card today (totally not linked to my existing membership). I definitely didn't apply for this so I don't know if it's linked to my HLB Infinite application.

Anyway sorry for stupid questions but just wondering if anyone applied recently and can remember what they did.

Thanks for the very helpful response. I don't remember receiving the email link... Maybe went to spam. But thanks for informing. Will call CS once the card arrives.

Mines been down all morning too.