5542 = Those at petrol pump ....

Yup I think so too. In that case we can't pay inside . Have to revert back to my OCBC Titanium if I urgently need fuel and the pump credit card readers are down.

Anyway, to maximize the rebates from this card, it really pushes you to spend really 'Wisely'. Now I will need to alternate with my other cards in other to take advantage as much rebates as I can.

My current CC usage to maximize rebates:

- For all dining, petrol and mobile everyday, use HL Wise (10%) *Using Mobile, Petrol and Dining category, and assumption that i can fulfill RM50*10 transactions per month
- For everything besides dining, petrol and movie on weekends, use MBB Maybankard2 AMEX (7.5%)
- For groceries, drinking bars, convenience stores, other bills on weekdays, use OCBC Titanium (5%)
- For everything else, use MBB Maybankard2 Amex (2.5%)
- For everything else without AMEX, use OCBC Titanium (1%)

For the next quarter I will gauge my usage of the last 2 tier (2.5% and 1%) and if my usage exceeds RM3k per quarter, I will consider to Apply for the AEON Watami card, so I can take advantage of the 3% daily cashback for every retail transaction.

Btw, you guys know whether the RM50 x 10 transactions has to be done within a calender month, or within the statement month?

As per TnC 2(b) below, calendar month.
This post has been edited by tbheng: Feb 25 2013, 07:30 AM

existing hong leong cc holder need to pay annual fee and gov tax if apply this?

This post has been edited by HappyGuy: Feb 25 2013, 09:46 AM

uMobile do available as well.

Yeap available for uMobile portal, and yet reported issue not only HLB think other bank portal is really limited is wanna use the credit card to do online transaction.

Just went yesterday to mid valley apply. iC copy.. Three months pay slip n 3months bank statement or EPF statement. Wait for 2-3weeks.

Interest is 15% pa at best and 18%pa at worst. Since HLB only rebate 28th following month, means, you will be charged interest first...right? But still nett, assuming best case scenario...you win by 10% ie only pay 5%-8% interest.

How does WISE compare to MBB2 card with 8.88% interest and sumore give 5% cashback?
+ 5x points
+ Free for life

Or any other cards with lower interest with cashback?

I think we should also take the interest into consideration...no? As well as all/any fees etc to better compare with other cards.



This post has been edited by Vieri777: Feb 26 2013, 06:18 PM

Not for me.
I will take all their cashback and will not let them charge me any interest.

This post has been edited by tbheng: Feb 26 2013, 11:41 PM

Hmm still waiting if there's any guinea pig

as for online payment

I am using the UOB's payonline since it accepts other CC as well...

HLB buy 1 free 1 air ticket for selected location,
see: http://www.hlb.com.my/promo/pfs/cc_cathay/index.jsp?s=promo

my Feb 13 statement is out but no cash back can be seen

Called CS just now, they say have to wait until the next statement only the cash back will be credited

If this Feb 13th is your first statement, then please wait for the March 13th Statement (in 8 days time)

I submitted application form together with supporting documents to HLB bukit bintang branch on 15th Feb.

Until today still no news

Any difference between Wise Gold & Platinum?

The rebate feature is the same. But annual fee is higher for platinum Wise

One of my esso petrol spent swiped inside at the counter not entitle to 10%.

Hi Ronnie and all,
Can u pls advise if my Maxis bill is RM200, and i break to pay in 4 times on same day in Maxis online portal, is it counted as 4 transactions in Wise card?

Thank you

It will be counted as 4 times but the problem is there is no way to break it to 4 payments. You must pay the full amount.

Of course you won't get 10%, cos the MCC in the Petrol Cashier(5541) is different from what WISE Petrol rebate uses (5542)