is this card still worth without annual fee waiver and need to spend RM2000 in order to get up to RM100 CB per month? That's like ((RM100 X 12) - AF) / (RM2000 X 12) = 3.9% (Gold) or 3.68% (Platinum), not 10%...

Gold AF = RM250 + GST = RM265, Platinum AF = RM300 + GST = RM318
Even old folks with RM160 + GST = RM169.60, the most CB percentage is only 4.29%...
There are many banks out there with 5%/6% CB with AF waiver for special stuff like petrol/dining/grocery/online/departmental/entertainment/utility etc, unless u plan to spend RM2000 per month on just mobile plan... you might even consider to use AMEX to pay them on weekend to get 5% CB as well

you can apply multiple card: PBVS(6% Dining/Grocery/Online Max RM50), PB Quantum 2 Cards(5% Dining/Online/Cinema/Departmental Max RM60), MBVS(5% Petrol/Grocery Max RM88) and others transaction all push to HLB Fortune, currently i got RM3886.16 CB over 2 years from HLB Fortune alone, not to mentioned RM50 from PBVS, RM30 from PBQMC, RM40+ from MBVS every month. Sticking to just HLB Wise is not "wise" enough.
"Upgrade" from 10 swipe RM50 to min RM2000 spending per month is making this card downgrade from 8.59% to <5%, i'm wondering people still stick on this wise card or not...

all HLB credit card except WISE can waive annual fee if you swipe 12 times or spend at least some money pa., depends on which card you are looking for.



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Groceries + Petrol - MBBVS 5% = RM37.50
Maxis + Dining + TNB + Syabas (UOBPayonline) + Astro + TM Streamyx - PBVS 6% = RM39.60
Insurance change to weekend payment, no more auto debit - MBB2C Amex 5% = RM30
Total = RM107.10 better than your RM100 - RM160*1.06/12 = RM85.87, every year extra RM254.80 CB

But for me, i auto debit my insurance of RM1334.08 with other expenses including stuff from company which can claim back to HLB fortune, which has given me CB of RM3886.16 over 2 years and together with PBVS, MBBVS, MBB2C Amex, PBQ2C, i got almost RM320 CB per month.
Don't stick to one card if you want to get the maximum rebate from your expenses.

You can also apply Citibank Premiermiles, Ambank Visa Infinite, Aeon/Aeon Big Gold including PBVS, you can get free entry to Plaza Premier Lounge with your wife and 2 kids under your name.

This post has been edited by tan_aniki: Sep 29 2017, 07:54 PM

https://forum.lowyat.net/topic/4410413
you can refer to here for the eligible 6% CB for PBVS

As for the AF, PBVS can be auto-waived by 12 transactions per year while MBBVS is over RM30k (for new application, old application is RM50k) spending per year.
But so far they didn't charge me for the 2nd year AF even though i spend less than RM10k for the 1st year.
Their AF is RM550 + GST but i think they didn't charge me AF is because i didn't make full use of the CB because i didn't spend over RM11k (RM11,000 X 5% = RM550).
This is just my assumption and hopefully i'm correct.
Let's see what happen on 3rd year.

HLB Fortune gives you 1% CB (real cash) upto RM50/month with min spending RM2k/month and year end they will give you reward if you spend over an amount:

RM280 for spending > RM38k pa
RM880 for spending > RM68k pa
RM1800 for spending > RM108k pa

i achieved RM1800 for the 1st year and RM880 for the 2nd year, plus the RM50 CB per month (not all but almost) with interest, i got more than RM3880 for the 1st 2 years.
if you don't touch the real cash, they will accumulate with interest as well just like FD.
overall you might get over (1800+50X12)/108000 = 2.22% CB for anything. (for me around 2%)
this card is good if you got many travelling and claim from your company, you just need to charge the hotel, transportation, anything else that exceeded your CB limit for your PBVS, MBBVS etc.
for me, my insurance auto debit of over RM1.3k/month is charged into it so that every month i will get the CB of at least RM20 but most of the month i will get the RM50 limit.

FYI, if you spending is over 240k pa, then you can consider HLB Essential as it gives you 1% CB without cap but of cos no reward at the end of the year.

if you are spending RM240k pa means RM20k/month, this is 1% CB, below RM5k/month is 0.6%

I just saw their latest condition, 1st RM5k is 0.6%, >RM5k is 1%, which means now even RM240k spending over 1 year is still advantage to Fortune.
after calculation, RM22k/month = RM264k pa is the new threshold between essential and fortune.

This post has been edited by tan_aniki: Oct 3 2017, 06:27 PM

nope, below RM264k go for fortune, above go for essential because essential is unlimited 1% CB.
fortune max CB fixed at RM2400 pa, although you also will get intereset rate for the unused real cash.
so basically i will prefer fortune as i won't able to reach spending of RM22k/monthm, that's insane...

if you have registered the foreign CB campaign, you should get the foreign currency, else MYR is less 1% from foreign currency.

it allocate RM100k for each month in 3 consecutive months on first come first serve

oh sorry, forgot that one separate into 3 months is online CB paiseh

i will still use HLB Fortune for others transaction because i can easily break the RM2500/month limit by this Maybank FCBVS, some more i can achieve > 2% CB over the year with the bonus of RM880 for RM68k/year spending or if heavy using will be RM1800 for RM108k/year spending, much more than what this card offer (RM600/year)
also don't forget you got the FD interest for keeping the CB (real cash) in the bank as well

guys, i have check the online transaction there is a 12% cashback earn for overseas expenses but i remember Oct i only spend RM744.01 while Nov spend RM1564.59 overseas, but the 12% should be RM5000 right? But anyway i spend over RM5k every month, therefore i come to a conclusion that the cumulative spend is refer to total spend per month, not just overseas but overall. i dunno how they calculate but based on RM78.23 should be 12% of RM651.92, maybe some amount from RM744.01 not qualified... Hopefully next month i can get another 12% from the RM1564.59 in Nov~

Oops, sorry... It should be 5% of RM1564.59 = RM78.23
How come they put 12%... should be 5% and the cumulative spend should be all overseas amount

But i thought max CB should be RM50 per month right??? How come i can get RM78.23???

This post has been edited by tan_aniki: Dec 22 2017, 10:21 PM


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mine is fortune card but this campaign applied to all hlb visa credit card

the screenshot is from the campaign

haha, i just check their website, they have revised the TnC



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it's better pay before 5 Jan, else they might charge one day interest and late payment penalty

https://www.hlb.com.my/en/personal-banking/...edit-Debit-Card

Swipe Bigpay to get unlimited 7% CB~

The TnC didn't mention any individual cap, just cash back pool based on first come first serve. RM400k for credit card, RM300k for debit and RM50k for islamic.
anyway, don't swipe before 7/7 8am, else later not qualify due to some server time. Beside Bigpay, you still got Boost as well, no need withdraw money, just need to transfer~