https://www.hlb.com.my/WISE
Q: My average spend per month on WISE Credit Card is RM1,000. How could I meet the minimum RM2,000 requirement?
A: WISE Credit Card gives out one of the highest cash backs. One way to meet the minimum RM2000 requirement is to consolidate all your purchases on your WISE credit card, for instance, pay for daily shopping, dining, groceries, insurance premiums, utility bills as well as enrol for auto-billing service.


https://www.hlb.com.my/main/assets/files/wi...c-en-160906.pdf
3. Terms and Conditions of the Programme
The term “Eligible Retail Transaction” shall refer to any retail purchase transaction made locally and overseas, including online transactions which are charged to the WISE Card (both Principal and supplementary WISE Cards) but EXCLUDES the following transactions:
(i) cash-type transactions including but not limited to Cash Advances, Cash-On-Call and Balance Transfers;
(ii) Cash-On-Call transactions;
(iii) fees and charges including but not limited to charges for cash withdrawals and cash payments, annual fees, interest and/or finance charges, disputed transactions, government
charges and any other kind of charges and penalties;
(iv) installment conversion transactions including but not limited to Flexi Payment Plan;
(v) fund transfers (from or to HLB’s account whether by HLB or third party);
(vi) disputed transactions that are subsequently reversed from the account of the Cardholder


My understanding is auto debit insurance and online purchase are retail spending. I think online purchase like LAZADA, AirBnb, AirAsia, etc...

This post has been edited by propusers: Sep 11 2016, 11:11 AM

checked my spending pattern, 1.3k in categories, 700 in other like insurance.

will move my insurance auto debit to WISE to get RM100 per card... still the highest rebate in RM so far... it is more manageable than apply 2 new cards and monitor 2 cards to get RM50 each card... at the end also get same RM100...

This post has been edited by propusers: Sep 13 2016, 10:06 AM

agree with you.
By percentage, PBB VS 6% more attractive.
By amount, WISE RM100 more attractive.

Depends on individual spending pattern, change the swipe strategy so we can earn highest rebate from banks.

if withdraw WISE, we can combine PBB VS + another 1 card (UOB ONE / CIMB Rebate / Maybank Ikhwan) to achieve RM100 rebate.

any spending in August? if cancel now, you will lose cash rebate earned in August.

This post has been edited by propusers: Sep 13 2016, 05:16 PM

wow Peri gor.. hats off to you...

do you mind to PM me the report to BNM and the long winded email to HLB? You may delete all the PnC info.

thank you in advance

Hi fruitie, mind to share with us which CC to replace Wise to get RM1.2k cash rebate in a year?

erm... supp card also get extra CB rm50? not capped at rm50 per principal account?

may i know how much is your annual spending with WISE card?

Congratulation!! What is the question sms to you?

Jaya Grocer Gardens is under groceries category?

This post has been edited by propusers: Jan 5 2017, 04:14 PM

I received the 100HappyDay sms once and won before cny...

anyone receive more than 1 time?

just a general reminder... better swipe ur WISE earlier than other months since this month will end on 28th...

This post has been edited by propusers: Feb 22 2017, 02:46 PM

which other CC combination can beat WISE card for spending categories below.

- Groceries $500
- Petrol $250
- Maxis (mobile) $250
- Dining $100
- Insurance $600
- TNB $100
- Syabas $50
- Astro $100
- TM Streamyx $60

Since WISE change the TnC to RM2K, I have not missed rm100 cash back charging the spending above to WISE.

please recommend if there is combination of CC which give better rebate. I sure cancel WISE when annual fee coming.

thank you for reply.

I did some basic calculation.

- Groceries $500 (PBB VS 6% = 30.00)
- Petrol $250 (AEON BIG 5% = 12.50)
- Maxis (mobile) $250 (PBB VS 6% = 15.00)
- Dining $100 (PBB VS 6% = 6.00)
- Insurance $600 (NIL)
- TNB $100 (Yolo 6% = 6.00)
- Syabas $50 (Yolo 6% = 3.00)
- Astro $100 (Yolo 6% = 6.00)
- TM Streamyx $60 (Yolo 6% = 3.60)

Total cash rebate = 82.10

If I use WISE, I can get RM100. After minus WISE annual fee 13.33/month, I can get net 86.67.
WISE give me higher cash rebate amount and easier for me to pay the CC debt to only 1 bank. Plus I can pump petrol whenever my car run out of fuel.

Any other combination can give me better cash rebate? I don't mind hard work a bit in order to get better rebate.

p/s: I am not sure YOLO treat utiltities bill as online bill payment and can get 6%? I just assume I can get the 6% and calculate the possible amount. Please correct me if got any YOLO expert here.

This post has been edited by propusers: Feb 27 2017, 12:01 PM

great eastern

Nope. Auto debit.

big spender spotted. Congrats on the annual fee waiver.

jompay confirm is eligible spending. if not eligible, i will not hit 2k spending in previous months.

for essential is 0.6% cash back if not mistaken.

if my understanding of the tnc is correct, JomPAY transaction cannot get cash back with Essential.

however for WISE, it is consider as eligible transaction

Quote back my own post in Feb..

received my brand new PBB Quantum which launch 1 month ago...

need to re-consider my CC combination... mayb apply 1 more PBB VS will give better % and cash back amount?

This post has been edited by propusers: May 9 2017, 10:28 AM