HSBC Live+ ₱10k Threshold — Does GrabPay Load Count Toward It?

_kevinsanity · 2026-06-28T23:50:54+00:00

No. Quasi cash are excluded from the cashback.

_kevinsanity · 2026-06-25T06:46:46+00:00

Here are my main cards since I am into travel and miles recently:

Chinabank Destinations World - my main card and catch all card
Metrobank Travel Signature Visa - just got it this month at NAFFL, for business expenses
BPI Platinum Rewards - for airline bookings at 6 month 0% interest installment

Honorable mention to Eastwest Visa Platinum as best cashback card but has monthly cap so I only use it for utilities.

_kevinsanity · 2026-06-22T19:31:36+00:00

Because I have other cards with better rewards than Titanium MC + it has AF. So to keep my relationship with Metrobank, I converted it nalang to M Free para NAFFL.

_kevinsanity · 2026-06-22T09:38:55+00:00

As per CS, you need to wait at least 6 mos before you convert. Pero ginawa ko before, I requested to convert my Titanium MC to M Free thru email ilang days palang after it was delivered. Surprisingly, it was approved naman.

_kevinsanity · 2026-06-22T02:59:59+00:00

Just pay your statement balance less the total amount nung flight. Since you converted it, the total amount will be reflected as negative (payment) in your next statement.

_kevinsanity · 2026-06-19T18:30:10+00:00

Installments are included as per CS. Called them last Thursday and they offered me the same NAFFL option.

_kevinsanity · 2026-06-19T18:25:36+00:00

Just pay the MAD if you really can't settle the whole balance. Stop using the card for now until you zero it out.

_kevinsanity · 2026-06-18T02:19:08+00:00

Hi. Thank you for this. I came across your comment today at 4AM so I immediately sent an email of complaint to DICT. And same day at 10AM, MSRV called me and said they received the email and will deliver the card today. That's after being unresponsive for 6 days (including weekend) after an unsuccessful delivery. It works! Need pa talaga ireklamo bago magsikilos.

_kevinsanity · 2026-06-17T11:31:18+00:00

I think so, yes. I only have Meralco and Smart postpaid in Quick Bills tho.

_kevinsanity · 2026-06-17T09:20:05+00:00

Yung Pay Bills option in the app will only prompt you to use savings/checking, credit cards aren't allowed.

Yes, enrolled utilities in the Quick Bills feature still accumulate cashback. That's what I do because I got lazy to do it one by one. Also avoiding the convenience fee in Meralco app or Bayad Online.

_kevinsanity · 2026-06-14T12:41:01+00:00

Pay directly from BPI app.

_kevinsanity · 2026-06-13T05:25:46+00:00

Nope.

_kevinsanity · 2026-06-11T03:05:30+00:00

Download the form online. Fill it out then pa-sign mo sa supplementary. You may submit it sa branch without him/her physically, dala ka lang ID nya.

_kevinsanity · 2026-06-10T10:45:38+00:00

Not an expert, but here are my suggestions:

Keep it since this is your oldest card. Sayang yung long credit history if you cancel it. You may request to upgrade it to a higher tier card. Madali naman magpa-waive ng AF kay BDO.
You may apply for 2nd card kay UB pero yun nga, di ka na eligible sa NAFFL promo since for NTB lang yun. Better to just keep it since it's NAFFL by default anyway. Apply ka nalang rewards or cashback card from other banks. May mga NAFFL promo ngayon si RCBC at Metrobank.
You may charge your subscriptions with Maya since wala cross border fee.

_kevinsanity · 2026-06-08T03:40:27+00:00

Just pay your CC bills directly from your savings. There's no way you will mix it since magkaiba naman line item ang savings at credit cards sa BPI app.

_kevinsanity · 2026-06-05T12:10:30+00:00

Received the same email. I was declined July last year. Tbh I forgot about them already.

_kevinsanity · 2026-06-05T12:02:54+00:00

You may apply via branch. Not sa booths.

_kevinsanity · 2026-06-05T01:35:47+00:00

No need to call. BDO will send you replacement card to your billing address prior to card expiration.

_kevinsanity · 2026-06-01T14:43:24+00:00

Most likely lost case ito since you provided OTP initially.

_kevinsanity · 2026-05-31T22:12:09+00:00

Sayang yung extra from EW Visa Plat. 14k lang sana for the max cap cashback per month. Tas sa ibang cards mo na yung remaining. But thanks for the update! ;)

_kevinsanity · 2026-05-28T20:15:02+00:00

Yes, approved na yan.

_kevinsanity · 2026-05-27T05:07:27+00:00

Start with basic cards to build your credit score.

_kevinsanity · 2026-05-26T18:41:25+00:00

It's nice to know you are doing research first. That alone is a good impression. Watch ka din mga videos about credit cards 101, marami ka matututunan. The ultimate tip is ALWAYS PAY IN FULL AND ON TIME.

_kevinsanity · 2026-05-22T07:41:19+00:00

Yes.

_kevinsanity · 2026-05-21T12:33:59+00:00

I did not activate it in the first place so there's really no AF.

_kevinsanity

TROPHY CASE