most ppl do not spend more than 2000 in a month
thats why HLB came out with this stupid rules, very smart HLB

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.

as long u use it they will waive

i got mine waived. only 2k monthly might not be enough.

Excuse me. What do you mean by trolling? I am just giving my opinion and experiences. I got my charges waived, what does it have to do with other kopitiam post? I think you are the one who is trying to increase your post counts!!!

I used the card quite frequently while overseas, during overseas trip it can be more than 10k/mth

but not every month i travel

overall I'll say about 100k/year

well, waive or not waive, spending 100k on WISE card is definitely not WISE

yes, i mail them. they ask me to make three swipes in 30 days to waive the ST.

We didn't know as well. I will hold the card for another year which is due in July.
Hopefully the cashback from "Digital Day" is uncapped this July.
https://www.hlb.com.my/en/personal-banking/...-cash-back.html

I am stuck with this card for another year as having 12 months installments. And then will pay the AF and SST again. Anyone know if we can make early settlement without penalty?

cannot simply open new topic