Do you guys normally use excel or google sheets to keep track of each transaction to see if it meets the requirement for that month?

I have written a very easy to use credit card manager app for Android and should be useful for Wise users. It also has due date reminders base on each of your card's statement cycle plus a whole lot more features.

And it's free!

Google Play Link: https://play.google.com/store/apps/details?...editcardmanager

Help support a bit

Yes, but it's the RM2000 minimum per month that's hard to fulfil. If you fall short, then you lose all cashback.

I think I just have to transfer all my insurance payment and maintenance charges to HLB Wise to make good of RM1k, then swipe another RM1k for the selected categories. Loss of cashback for insurance and maintenance charges would roughly be RM5.00 (assuming about 0.5% of RM1,000). Guess it will still be alright.

Worse for consumers, Better for HLB... Banks are wiser now since a lot of users stick to RM985 spends only.
Hitting RM2000 in Calendar Month purely on the 3 selected categories is more difficult than RM50 x 10 transactions

this is the answer i get from HLB regarding cashback if cancel card...

Worse for consumers, Better for HLB... Banks are wiser now since a lot of users stick to RM985 spends only.
Hitting RM2000 in Calendar Month purely on the 3 selected categories is more difficult than RM50 x 10 transactions

What is diff with PRO version?

PRO version has additional less essential features:
- Manage categories
- Personalized currency symbol
- Pattern lock
- Add recurring transactions/installments
- Credit limit tracking
- Interest rates comparison

For people who really like the app and want to support the development

please discuss the app elsewhere.

iori57, you already posted here yesterday, no need keep spamming your app at other topics.

not really...
lets say u got RM100 cash back per month out of 2000 spending per month, this is consider 5% cash back, which everyone knows...

then u forgot annual fee RM169.6 assuming u using gold card, not platinum card...
all those cash back minus the annual fee, how many % cash back per month left?

just fyi...  

not easy to get people's attention when you are an indie developer, sorry that you noticed..

Put it this way, if I don't swipe my insurance using Wise card, I would be using other card which gives me roughly 0.5% cashback on the amount swiped.

Total Cashback currently I get is about RM105 on RM2,000 (RM1,000 of Insurance etc and RM1,000 on Mobile, Groceries and Petrol), it's still about 5% (5.25%) anyway. Now, with those payment made from Wise card, RM1,000 on Insurance etc will not earn anything, but I will still be getting RM100 from Mobile, Groceries and Petrol. That's how I see it. 

Annual fee is not in the picture yet of course but that's what I have to pay no matter what.

Revision on your Standard Chartered JustOne Platinum MasterCard Credit Card wef 20 September 2016



Now with Better Cashback Benefits, you will get up to 15% CashBack on Auto Bill Payments, eCommerce and Petrol. (except
government & charities )

Spend (RM) per month	Rebate on Petrol, eCommerce & Auto bill	Other spend	Capping per month (RM)
1,000 to 1,499.99	5%	0.2%	12
1,500 to 2,499.99	10%	0.2%	28
Above 2,500	15%	0.2%	85

* Monthly retail spending below RM1,000 will enjoy 0.2% CashBack on Petrol, eCommerce, Auto Bill Payments and other categories.

The Cash Back is accumulated on a monthly basis and is based on the following selected MCC:

a) Petrol MCC: 5541, 5542

b) Auto Billing:
I. All insurance MCC: 5960, 5968, 6300
II. All Telco spend MCC in 4814, 5968
III. Utilities spend MCC: 4899, 4900, 5968 - Astro, TNB, Indah Water, Tenaga Nasional

c) eCommerce/Online spend:  For all online transactions made with “Transaction Mode = M, D, S and U”

* Cashback earned will not be automatically credited in the form of cash to your account, Cashback earned will only be redeemable via http://www.sc.com/my.

https://www.sc.com/global/av/my-jop-website...ment-300816.pdf

Put it this way, if I don't swipe my insurance using Wise card, I would be using other card which gives me roughly 0.5% cashback on the amount swiped.

Total Cashback currently I get is about RM105 on RM2,000 (RM1,000 of Insurance etc and RM1,000 on Mobile, Groceries and Petrol), it's still about 5% (5.25%) anyway. Now, with those payment made from Wise card, RM1,000 on Insurance etc will not earn anything, but I will still be getting RM100 from Mobile, Groceries and Petrol. That's how I see it. 

Annual fee is not in the picture yet of course but that's what I have to pay no matter what.

lol just applied     

How ah? first year no Annual fee right? Can still cancel?

if gonna spend 2k, perhaps can look at SC JustOne card disadvantage is steep AF at RM265 for Plat

groceries: ikhwan/One
petrol: ikhwan/One (spend on weekends)
mobile : One
insurance: Essential

benefit more?

first year usually waived...
remember though, once u cancel, u cannot apply HLB any cc for 6 months...so-called cooling period..if not mistaken...