If need to spend minimum RM2,000, I guess no point to purposely make the eligible category to end with RM5. Because if you spend only RM985 on your 3 eligible categories, then you need to spend RM1,015 on non eligible category to make up the minimum monthly spending of RM2,000. If you spend RM1,000 on 3 eligible categories, then you need to spend RM1,000 on the non eligible category. It's more about hitting the RM2,000. Since HL did not REVISE the part that cash back is based on round up, I would assume they still do the round up for cash back.

RM0.00 HLB: Effective 1-OCT-16, earn WISE Card cashback with a min spend of RM2000/month instead of min 10 swipes. More info @ www.hlb.com.my/WISE

This is true. All of a sudden, those who opt to continue will 'spam' all their insurance bills, cukai pintu, lesen perniagaan, car service to this card ! And don't forget to pay your AEON Big Visa Card from this card, using Posonline.