Eh, sounds like an old friend return di. Still wanna troll the same topic... Just jumping on the +1 day. Already Human Nature and the rest have said 'better don't spend' to be safe.

Only if the stuff is essential. For example in the case of TNB bill no matter what you still will have to pay (maybe use another card which gives some smaller cashback). But if its unnecessary stuff then its different.

I save the details in my password manager. So if I activate it on that page it will auto-type for me =p

Website itself no such feature. Which I think is safer la.

Off-topic as your main question already answered, but WISE is a horrible 'main credit card' (meaning used for general things). What's the benefit, really?

Understood, really different meaning from 'main'.

If within your categories you easily hit 10X50 then WISE is good.

Lai lai, Empire Subang Jaya and Mydin USJ both still can (cross finger). Empire I just went yesterday still operational the TnG reload.

Under RM200 is possible to wave without signature.

But swipe without signature I haven't encountered.

That's what those who keep the card should do. As it is most cards don't give anything for insurance etc. At 5% I'll hold this card till AF coming up, then drop. Ikhwan, PBB VS, CIMB CR enough to cover those.

Most of the WISE categories can get cashback from other cards too.

So more 'worth' for the extra RM1k to be spent on those that normally cannot earn cashback (insurance is the big one, things like pharmacy, gym membership etc also).

This is, of course, assuming that you have RM1k of those sort of expenses.

The comparison is between spending RM2k within the categories (get 5%) and then that extra RM1k maybe get 0.2% or something.... or between spending RM1k within and the extra RM1k to get 5% and then the remaining RM1k which is within categories can cover with Ikhwan or Public Bank Visa Signature or similar to get 5+% also.

Actually for big spenders some card have no capping... 0.5% only though.

But 0.5% of a big spender's bill can be much more than RM100.

Any hassle to have two cards effective 5% for total RM100? Or 3 cards for RM150? Low-spenders have lots of options.

Your preference is unimportant unless it has basis in actual pro/con. The fact is taking AF into account you get less than 5%. And that having multiple cards can give you more than the total rebate of WISE, without the minimum spending cap. And yes low spenders can spend different amount in different months, which is not possible with WISE.

Here we just want to get the best benefits from our cards. Almost no-one remained loyal to OCBC Titanium card, nor to Maybank2Kard Amex (this one more because at least still has some benefit), nor to AEON Watami. This change with WISE means the benefits are now less than various 5% cards, so why not use those instead?

If you sure meet the 2K minimum with regular spend then keeping this card may make sense (as long as you don't forget AF in your calculation). For those that will be spending more just to hit it, then cut the card. So hard to understand?

Not all of those are charge-able to credit cards. Groceries some may spend a lot but prefer the freshness at market. Food some may not patronize CC-accepting places very often, either because eating at home or simply the shops they go too don't accept CC.

Only Petrol and Utilities confirm can use CC. Not many households can >2k just based on those, hence why so many in this thread want to 'throw in' insurance.

Of course if you're the sort who dine out to CC accepting places and/or shop at Giant/Mydin/Tesco then easy to hit 2k. Then again may not be worth it if you already have other cards which will give you 5%.

800 per month insurance? Ngam bo. Other than that, amounts almost matching my spending except I've got way cheaper mobile bills (yay U mobile).

But Unifi settled by PBB VS, groceries also (along with CIMB CR for online purchase of milk powder and diapers). Petrol settled by MBB Ikhwan Mastercard, Aeon Big for Sundays and misc. spending.

Why should I move spending from better cards (6% or 5%, not 4+% like Wise in best case)?


I'm married with two kids and household income above average, but I almost never hit 2k on any one credit card. My groceries mostly not CC chargeable (NSK and Hero are expensive wei), and we eat in chinese places which mostly don't accept CC (or only for >RM50).

No way 'majority' can easily hit 2k per month just on this card.

I thought after the downgrade of rewards people got start getting di?

Normaly 1st year auto waive, how come you need to call? I think you mean 2nd year (charged after you've been using for 1 year).

Just re-joined HLB (dumped my Mach card back in 2014) with WISE card to take advantage of the 7/7 promo - https://www.hlb.com.my/en/personal-banking/...paign-2023.html

WISE cashback is monthly right? If spent on next weekend 29th should be still can? How does HLB handle transaction on weekend in July but posting date in August (their example in website is posting date on weekday will still get cashback due to following transaction date, but I see in this thread cashback is first of the month so will be pushed to the next month?)

It says shopping, dining, and travel, you sure your ewallet topup fall under that category?

Did you read the T&C? There are 3 possible months to get it, depending when your spending. So far for my card I have gotten the first two months cashback.

You lucky then. Anyway no point to target this campaign anymore, as your spend today will no longer be under it.