tear up your hlb wise card, it is no longer wise card since need to spend at least RM2k/month in order to get 10% CB capped at RM100/month which is 100/2000 = 5% and somemore need to pay AF without waiver which means (1200-300)/24000 or (1200-250)/24000 or (1200-160)/2400 = 3.75/3.96/4.33, all less than 5%... of cos you can get more CB than what PBVS/PBQMC/PBQV/MBBVS gived per month, but overrall the best card is still HLB Fortune which gives you over RM2400 CB per year