Shopeepay also can right ? lol

TNG: +1% charge, 1% Online CB
S Pay Global: currently 0% charge, 0% CB
ShopeePay: currently 0% charge, 1% CB (but don't know when ShopeePay will follow other ewallets to charge 1%)

Forget Boost.

This post has been edited by ClarenceT: Dec 12 2024, 11:05 AM

Pay Lazada/Shopee, 1% Online CB, No longer limited to Weekend.

Damn the revised benefits are shit.

Previously you could get an effective cashback of 8% for RM500 spend, which is the HIGHEST in Malaysia.

Now, with the higher spend threshold, in the best case scenario, the highest effective cashback for RM1k spend is only 5.5%, and you must max out your Dining/Petrol/Groceries to hit this. Previously, between the 4 categories, you can manage and don't need to max every category out.

Still got annual fee rm98.
Let cancel the card better

dont forget ewallet have to spend 1.5k only can get full cb

Isnt topup shopeepay a better choice, since no charges?

edit: OK saw your post below

This post has been edited by MGM: Dec 12 2024, 12:11 PM

Dining spend 134 get 20
Petrol & Groc 150 get 15
Online 1500 get 15
Total Spend 1934 x 12=23208
Total cb 65x12=780, minus AF+sst=123, 780-123=657.
Effective cb= 657/23208= 2.83%
Ptuiiii.


Dining spend 134 get 20
Petrol & Groc 150 get 15
Online 566 get 5.66
Total Spend 1000 x 12=12000
Total cb 55.66x12=668, minus AF+sst=123, 668-123=545.
Effective cb= 545/12000= 4.54%

This post has been edited by MGM: Dec 12 2024, 12:20 PM

If one choose to reload tng, then the online cb considered zero due to contra 1%. If shopee, then have to think what to buy.

I will need to consider my spending pattern. Come annivery have to cancel if not beneficial.

seems like revised features suitable for me now

but...... af still high and likely non-waivable

I'm thinking of ditching the HLB Wise and replacing it with:

1. Maybank Islamic Ikhwan Amex Platinum - 8% online cashback (everyday)
2. Maybank Islamic Ikhwan Petronas Visa Platinum - 8% petrol cashback (weekend)

Can use Spaylater for groceries. Won't miss dining cause I rarely maxed it on HLB Wise.

Still ok for me at least weekend now dining i have more option to utilise now.

Previously have to share weekday using UOB & SCB

If follow Wise 1.0, 2.0, 3.0 method of calculating CB.
Dining RM130
Petrol RM145
Groceries RM145
Online RM580
Total CB: 20+15+15+6

Online is bonus since Wise 3.0 (Oct 2021-).
Get used to Wise benefits (Wise 1.0 & 2.0) without Online CB, even AF was RM169 (Wise 1.0)

Don't rely on Amex-Spaylater. It won't last forever. Enjoy it while it lasts. SEAMoney is due to start digital banking business.

i wasnt targeting online, and i'm aware of this cat earlier.

the new overall proposition seems good for my spending need (without online)

even the prior wise feature is worth the trouble (maxing out cb with rounding trick), also that time without online category.

Ehh? HL Wise annual fee is non-waivable? How much is it ya..is it RM 99? Waived for 1 year or 3 years now?

This post has been edited by Duckies: Dec 12 2024, 04:36 PM

Now reduced to RM98.
Not waivable.

Just paid my AF in Nov. So I've another 11 months to before contemplate to cut.

Ah.. I have been considering to apply HL Wise, because it suits my spending pattern, and the effective cashback rate was good for my uses. Now seems like I have to hunt for another card again

With the recent changes, maybe need take uob one card

Seems like many changes in cc n ewallets lately, good times ending?