** Credit to gauthjasmon_1 for his hard work.

Hong Leong Bank Wise Credit Card







PROS
- Get 10% reward, every day (10% cash back on your spending in the selected categories of your choice. )
- Up to RM100 in cash back every month based on your selected cash back categories as below

10 Categories [Merchants / Merchant Category Code (MCC)]

1 Mobile [Maxis, Celcom, Digi, U Mobile and YES]
2 Pharmacies [Watsons, Caring and Eu Yan Sang outlets]
3 Groceries [All grocery stores (MCC 5411)]
4 Petrol [All petrol stations (MCC 5542)]
5 Dining [All dining outlets (MCC 5811, 5812, 5814)]
6 Departmental [Parkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA and Sogo outlets]
7 Book Stores [MPH, Popular, Borders, Kinokuniya, Times, Smart and BookXcess stores]
8 Utilities [Electricity and Water (MCC 4900)]
9 Entertainment [All cinemas (MCC 7832), Ticket Charge, Ticketpro, Red Box and Neway]
10 Travel [All airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour packages (MCC 4722, 4723)]


CONS

- 10% Cashback only applicable to 2 selected categories + Mobile (by default)
- Min. RM50 spending per transaction, OCBC / MBB2 Amex at least we can get rebate at any amount spent
- With Annual Fee, not sure can waive or not --> wild_card_my confirmed with CS: No waiver
- No TP
- RM10 switching/maintenance fee if you want to change category


FAQ

1. How many cash back categories can I choose to enjoy for the 10% cash back?
You can select a maximum of two categories, in addition to one default bonus category (at current, the default bonus category is ‘Mobile') offered by the Bank to enjoy the 10% cash back.

2. When can I make my selection of cash back categories? Are there any cost/ fee incurred for the selection?
Selection of cash back categories is available in the card application form. All new enrolments at the point of application will be free of charge and will take effect upon card approval.

3. How do I earn the 10% cash back?
Just swipe a minimum of any 10 retail transactions monthly (minimum of RM50 per transaction) to activate the 10% cash back on your selected cash back categories.

4. Is there any capping on the cash back amount?
The cash back is capped at a maximum of RM100 per month.

5. Can I switch the selected spend categories after enrolment?
Yes, you may switch the cash back categories any time, throughout their card tenure, to suit your lifestyle and to maximize the cash back reward earned. For each switch of cash back category, a one-time maintenance service fee of RM10 will be charged at the point of maintenance and it will be effective on the following calendar month. Bonus category is NOT applicable to switch, except if amended at any time by the Bank.

6. How do I confirm if the switch has been made?
You will receive an SMS blast upon maintenance is conducted. < Eg. RM0.00 HLB - Your HLBB card ending 2525 has been debited with MYR10 for account maintenance. The new selected category – TRAVEL will be effective from JAN13>

7. Where do I make the switch?
You may switch categories via:- Hong Leong Contact Centre at 03-7626 889 Download the category maintenance form from www.hlb.com.my Walk-in to any Hong Leong Bank branches

8. Is Supplementary Card' retail transactions accumulated into the total number of swipes to meet requirement of 10 retail swipes per month and are those transactions eligible for 10% cash back also?
Yes, all posted retail transactions on supplementary card will be taken into account as per principal card. However, cash back earned will be credited into the principal Cardholder account only.

9. When will the cash back be credited into Principal Cardholder's account?
The cash back will be calculated at the end of each calendar month and will be credited to the principal Cardholder's account on the 28th of the following month. Cardholder will see this reflected in their statement then.

10. Are there Reward Points earnings on the Wise Credit Card?
There are no reward points for the Wise Credit Card.

11. Does the Wise Credit Card offer automatic insurance plans?
The Wise Credit Card does not offer free insurance plans.

12. Do I enjoy any cash back on other spend outside of enrolled cash back categories?
No, you are eligible for the 10% cash back on retail transactions based on your selected cash back category.

13. How will I know which merchants are eligible for cash back in a particular category?
An extensive range of merchants who are eligible for cash back are listed here and it will be updated periodically. Do note that cash back will be awarded based on merchant's corresponding Merchant Category Code (MCC) being assigned on each categories. The assignment of merchant category for each merchant is subject to classification by respective acquiring banks.

14. Do I earn cash back for overseas transactions in my selected cash back categories? Yes, as long as the transactions are for merchants whose MCC corresponds with Cardholder's enrolled cash back categories. Eg. You spend USD100 in a restaurant in Los Angeles, and one of the cash back categories is Dining. Hence, you'll get 10% cash back in that category in local currency after conversion at prevailing exchange rate minus any administrative fees.

15. Which retail transactions are eligible for the minimum 10 swipes?
Eligible retail transactions include local and international retail and online purchases, recurring payments, insurance premiums, 0% Interest Easy Payment Plan (one time principal amount only) and Easy Payment Installment Plan (one time principal amount only); EXCLUDING, cash advance, balance transfer, Cash-on-Call, Call-for- Cash, Flexi-Payment Plan, fund transfer, fees and charges imposed by the Bank.

16. Can I apply for Wise card if I am currently holding another Hong Leong Bank credit card?
Yes, you may.
Note The cash back will be calculated at the end of each calendar month. The cumulated cash back shall be credited monthly to the Principal Cardholder's account on the following calendar month and subject to maximum cash back of RM100 per month. 10% cash back is subject to a minimum of 10 retail transactions monthly (with a minimum of RM50 per transaction) in anything during the calendar month. For each switch of cash back category, a one-time maintenance service fee of RM10 will be charged at the point of maintenance. New category enrolment will be effective on the following calendar month. The Bonus Category of Mobile is not applicable to change.


Hong Leong Bank Wise Credit Card Official Site

Terms & Conditions for Wise Credit Card

Hong Leong Bank targets 100,000 "Wise Credit Card" holders - The Star

This post has been edited by andrekua2: Apr 3 2013, 11:06 AM

The wise card is not really "wise" choice.

Wise card is good giving 10% rebate if you spend at least 10 times with minimum RM50 on each transaction.

Yup. Only if you fulfill that requirement and the discount is only limited to that category.

Also dun forget they do not have an auto fee waiver policy.

Poor you. You can go appeal, you know? It's likely to be approved some day later on just like in my case

The Wise is not really a good card.

300 bucks for annual fee, no auto waiver, cashback need MYR 50 x 10 transaction per month.

Better stick with Mach.

Anyway I already got application form for wise. Was told by agent that 12 times swipe + 8k for gold and 15k for plat will get annual fee waiver.

Should ask you take a picture of the form as black and white proof.

Easier to confirm what we know and what we don't.

Okay la, 12 times or 8k quite decent for waiver.

Wise at the moment have no auto waiver. 12 times swipe + 8k for gold and 15k for plat is for other cards.

This post has been edited by Asgaard: Jan 16 2013, 11:13 PM

Its not too hard for me to get 10 swipes for groceries.

Many conflicting info regarding this. Duno who is right....

For WISE, let say I spend RM50 x 10 + RM10 on the same selected category (for the month)... would the 10% cashback based on RM500 or based on RM510 ?

Shud be 510...

Coz the minimum spending to qualify the 10% is RM50 X 10. But i wonder what happen if u didnt qualify as in miss the above by like 1 transaction or one of the transaction is RM49.95.... 0% cashback? Aiyo.. so damn sad if like that.

I guess a minimum swipe with WISE must be RM50 and above... Not too difficult actually.

depend on ppl lo. if like me is confirm mission impossible already...

Why all the cc now need Top-up's Fees, so $$$ Face of them...
Furthermore, the Twist & Turn's Rules & Regulations which Puzzled...

This post has been edited by fly126: Jan 18 2013, 12:25 AM

EXACTLY!!!

Which is why I think is great. I'm heading to the HLB outside my office to double confirm.

Few things to iron out...

1. Does autodebit considered a swipe?
2. 10 swipes for 1 category or just swipe 10times (xRM50) and enjoy 10% rebate on those eligible one
3. Annual fees waiver

The good thing is that even swipe by supplementary will be combined.

Do let us know your findings...

OK... Waiver first, I think no waiver but not sure if they will change it in future.

Now back to the card... choose 2 category and then plus bonus Mobile category.

Since Mobile is bonus, it does not matter how many transaction you made, they will only count as 1. So you have to make 9 others RM50 transaction in your choosen categories in order to enjoy the 10% off.

As for annual fee, according to the cs, better off with gold as annual fee is RM150 and primarily because the Platinum offer the same thing without additional stuffs for double the annual fee.

I have applied and will update when I get my first statement. This is what the CS relay to me so dont shoot me if there's anything wrong.

WISE card defeat their 2 own cards, essential card and mach cash back card.

WISE card for me is not suitable for a large amount of transaction.
eg.
you swipe rm900 for the first transaction, but u still need to have 9 more swipes which must be at least cost RM450 in that month. You will get RM100 cashback. But the % of cashback you will get is 100/1350 = 7.5% only

I still think the Mach has its use still.

The WISE is still quite new, plus some of the terms and conditions are not clearly published. Might as well wait before deciding.

But the GSC card from HLB definitely can throw already after Mach and WISE exist la

WISE card is only useful for those who can fulfill the minimum requirement to start earning the 10% cashback. For individual who dont fulfill that requirement MACH is better. HLB Essential are those who spend damn alot, so they can enjoy the 1% unlimited cashback. Ultimately there is no best among the 3. It just depend on your own personal spending pattern.

Example if you can pump petrol above RM50 for 9 times and pay your phone bills... that would make it 10 transaction. At 10% cashback it is even better then MBB2 Amex that earn you 7.5% and OCBC Ti that offers your 5%

This post has been edited by WhitE LighteR: Jan 18 2013, 03:06 PM

Agree.

Need to be a genius and split transaction by 50 bucks per block

But supplementary cards' spending also calculated so it's likely possible la. Not too hard to spend 50 per block to be honest. Imagine going to dinner for 1 month, surely can get rm 50 per block roughly.

But I'll likely favor the Mach for the time being since I use more of the Mach. Besides, it would be a hassle to re-apply another for the time being.

Speaking of the Devil, Citi just dropped a call

So calculative for what? Remember, you only need 9 transaction since you are going to auto debit your phone bills.

For me, its just worth it. I have kids, buy groceries quite often. I just have to pump RM100 petrol 4 times a month and then make that up with 5x groceries swipe. If I felt like it, might even pump RM50 x 8times. Just max this first and swipe everything else with Mach or OCBC.

Hong Leong Bank Wise Credit Card








PROS

- Get 10% reward, every day (10% cash back on your spending in the selected categories of your choice. )

- Up to RM100 in cash back every month based on your selected cash back categories as below

10 Categories [Merchants / Merchant Category Code (MCC)]

1 Mobile [Maxis, Celcom, Digi, U Mobile and YES]
2 Pharmacies [Watsons, Caring and Eu Yan Sang outlets]
3 Groceries [All grocery stores (MCC 5411)]
4 Petrol [All petrol stations (MCC 5542)]
5 Dining [All dining outlets (MCC 5811, 5812, 5814)]
6 Departmental [Parkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA and Sogo outlets]
7 Book Stores [MPH, Popular, Borders, Kinokuniya, Times, Smart and BookXcess stores]
8 Utilities [Electricity and Water (MCC 4900)]
9 Entertainment A[ll cinemas (MCC 7832), Ticket Charge, Ticketpro, Red Box and Neway]
10 Travel [All airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour packages (MCC 4722, 4723)]



CONS

- 10% Cashback only applicable to 2 selected categories + Mobile (by default)

- Min. RM50 spending per transaction, OCBC / MBB2 Amex at least we can get rebate at any amount spent

- With Annual Fee, not sure can waive or not --> wild_card_my confirmed with CS: No waiver

- No TP

- RM10 switching/maintenance fee if you want to change category


FAQ

1. How many cash back categories can I choose to enjoy for the 10% cash back?

You can select a maximum of two categories, in addition to one default bonus category (at current, the default bonus category is ‘Mobile') offered by the Bank to enjoy the 10% cash back.

2. When can I make my selection of cash back categories? Are there any cost/ fee incurred for the selection?

Selection of cash back categories is available in the card application form. All new enrolments at the point of application will be free of charge and will take effect upon card approval.

3. How do I earn the 10% cash back?

Just swipe a minimum of any 10 retail transactions monthly (minimum of RM50 per transaction) to activate the 10% cash back on your selected cash back categories.

4. Is there any capping on the cash back amount?

The cash back is capped at a maximum of RM100 per month.

5. Can I switch the selected spend categories after enrolment?

Yes, you may switch the cash back categories any time, throughout their card tenure, to suit your lifestyle and to maximize the cash back reward earned. For each switch of cash back category, a one-time maintenance service fee of RM10 will be charged at the point of maintenance and it will be effective on the following calendar month. Bonus category is NOT applicable to switch, except if amended at any time by the Bank.

6. How do I confirm if the switch has been made?

You will receive an SMS blast upon maintenance is conducted. < Eg. RM0.00 HLB - Your HLBB card ending 2525 has been debited with MYR10 for account maintenance. The new selected category – TRAVEL will be effective from JAN13>

7. Where do I make the switch?

You may switch categories via:-
Hong Leong Contact Centre at 03-7626 889
Download the category maintenance form from www.hlb.com.my
Walk-in to any Hong Leong Bank branches

8. Is Supplementary Card' retail transactions accumulated into the total number of swipes to meet requirement of 10 retail swipes per month and are those transactions eligible for 10% cash back also?

Yes, all posted retail transactions on supplementary card will be taken into account as per principal card. However, cash back earned will be credited into the principal Cardholder account only.

9. When will the cash back be credited into Principal Cardholder's account?

The cash back will be calculated at the end of each calendar month and will be credited to the principal Cardholder's account on the 28th of the following month. Cardholder will see this reflected in their statement then.

10. Are there Reward Points earnings on the Wise Credit Card?

There are no reward points for the Wise Credit Card.

11. Does the Wise Credit Card offer automatic insurance plans?

The Wise Credit Card does not offer free insurance plans.

12. Do I enjoy any cash back on other spend outside of enrolled cash back categories?

No, you are eligible for the 10% cash back on retail transactions based on your selected cash back category.

13. How will I know which merchants are eligible for cash back in a particular category?

An extensive range of merchants who are eligible for cash back are listed here and it will be updated periodically. Do note that cash back will be awarded based on merchant's corresponding Merchant Category Code (MCC) being assigned on each categories. The assignment of merchant category for each merchant is subject to classification by respective acquiring banks.

14. Do I earn cash back for overseas transactions in my selected cash back categories?

Yes, as long as the transactions are for merchants whose MCC corresponds with Cardholder's enrolled cash back categories. Eg. You spend USD100 in a restaurant in Los Angeles, and one of the cash back categories is Dining. Hence, you'll get 10% cash back in that category in local currency after conversion at prevailing exchange rate minus any administrative fees.

15. Which retail transactions are eligible for the minimum 10 swipes?

Eligible retail transactions include local and international retail and online purchases, recurring payments, insurance premiums, 0% Interest Easy Payment Plan (one time principal amount only) and Easy Payment Installment Plan (one time principal amount only); EXCLUDING, cash advance, balance transfer, Cash-on-Call, Call-for- Cash, Flexi-Payment Plan, fund transfer, fees and charges imposed by the Bank.

16. Can I apply for Wise card if I am currently holding another Hong Leong Bank credit card?

Yes, you may.

Note
The cash back will be calculated at the end of each calendar month. The cumulated cash back shall be credited monthly to the Principal Cardholder's account on the following calendar month and subject to maximum cash back of RM100 per month. 10% cash back is subject to a minimum of 10 retail transactions monthly (with a minimum of RM50 per transaction) in anything during the calendar month. For each switch of cash back category, a one-time maintenance service fee of RM10 will be charged at the point of maintenance. New category enrolment will be effective on the following calendar month. The Bonus Category of Mobile is not applicable to change.


Official Site

T & C

Hong Leong Bank targets 100,000 "Wise Credit Card" holders - The Star

This post has been edited by gauthjasmon_1: Jan 19 2013, 08:24 AM

People been posting and discussing this since Tuesday. The website was also updated at the same time...

Ya kah..
Paiseh i did not notice...just realize can only choose 2 out of the 10 categories, and minimum RM50 per transaction

Yes.

I believe u better revamp the 1st post to enrich the content to provide more information regarding the card. The mod here r abit sensitive to "low quality" threads. Previous Wise card thread was deleted due to this...

This post has been edited by Asgaard: Jan 18 2013, 08:37 PM

I see a possible HLB staff with a picture of WISE card promotion here

Maybe you can help to furnish the WISE thread with relevant information to prevent it from being closed down.

There are now 3 threads for Hong Leong: Mach, Wise and a hate thread.

Combine all together under 1 Hong Leong CC Thread...

U can choose 2 out of 9 categories. Mobile is included automatically and fixed.

Disclaimer --- I am in the market for a credit card, and whatever I have posted is me posting as a consumer. My job is in sales of mortgage, not CC



This post has been edited by wild_card_my: Jan 19 2013, 12:17 AM

The 10 minimum RM50 Transactions.

I wonder can it be like:

Petrol: RM50 x 6
Maxis: RM50 x 3 (via payonline)
TNB: RM50 x 11 (via payonline)

10% Cashback!!!

This post has been edited by spikeman: Jan 19 2013, 04:31 AM

Hmm you mean like splitting your TNB bill to 50s
Good Idea, just that very mafan, and not sure if they will make a clause saying no bill splitting or not
my monthly TNB bill no RM550, next time i go ask my friends/relatives, ei help you pay bills...

To me 10 transactions/month is ok, but the jialat 1 is each transaction must be min. RM50,


Somehow i feel the rebates given very unwillingly

And they purposely exclude TM izzit?

Ya.... means we have to make this card for special purpose, for example

I apply this card just for Mobile, Utilities and Petrol


So just max out the card so that we get RM100 for the above 3 categories, just like what spikeman suggested


This is better than OCBC Titanium, coz you get 10% instead of 5%...this is threatening OCBC Titanium...(but OCBC Titanium no minimum swipe and minimum spending per month)

Then you can use your MBB2 Amex for others such as departmental store, pharmacies (watson & GUARDIAN etc)

First year free, so use 1 year and cut before the next GST & Annual Fee is due...haha

But assuming we max out the card, means we get RM100 x 12 = RM1200/year. Deducting RM150 (for gold), we still get RM1050/year, which is still very good

I know, those are simple calculations to do. But I feel like it's quite a hassle for me to keep track of all those things... You have to do at least 10x RM50 transaction, if you miss one, you dont get any rebate for that month.

So yeah.

I think Mobile phone is a bonus category and only 1 transaction would be calculated so your maxis x3 MYR 50 would be consider as only 1 transaction.

Correct.

I have clarified this with the CS.

How about for Petrol and Utilities? Only 1 transaction as well?

Yea. The CS reluctantly tell me that

Err no.

As long as the one is bonus category, it's considered as 1 transaction.

If I had one TNB bill RM 500.

As I know from Cari forum, HL online does not provide online bill payment for TNB yet =.=''

If I go to TNB website (https://e-services.tnb.com.my/eservices) and do 10 times of RM50 online bill payment in 1 calendar month. Can I get 10% x 500 = RM50 rebate?

Example:
01/Jan pay TNB RM 50 online
02/Jan pay TNB RM 50 online
03/Jan pay TNB RM 50 online
04/Jan pay TNB RM 50 online
05/Jan pay TNB RM 50 online
06/Jan pay TNB RM 50 online
07/Jan pay TNB RM 50 online
08/Jan pay TNB RM 50 online
09/Jan pay TNB RM 50 online
10/Jan pay TNB RM 50 online

Any forumer has applied WISE card? Any WISE card user can prove my way can work? If can get 10% with this method, I am considering to apply one.

This post has been edited by propusers: Jan 19 2013, 04:08 PM

I believe this is treat as 10 transactions.

As TS, there should be efforts to maintain the thread. If not, there will be tones of new thread everyday.

PWTC having Mother, Baby & Kids Exhibition

Went there just now, saw HSBC, SCB, Citibank, UOB, Hong Leong Bank setting up booth promoting the CC...

Hong Leong bank is promoting this Wise CC, wanted to go ask but too many things to carry d, end up no ask....

Definitely cancelling my HLB Essential Visa + UOB One Card
Replacement: HLB Wise Card.

My monthly maxis bill ard Rm250. Can I pay 5x Rm50?

It's already been explained at the front.

You want pay 5 x MYR 50 can, only calculated as ONE Transaction bro

Not sure if there is any other catch, but definately gonna get one and try

Petrol RM50 x 10
TNB RM50 x 10

For mobile how to have 10 transactions if most people have 1 account?

Also having same doubt. I have seperate maxis phone bills and broadband bills, no possibel to treat at 1 transaction only.
If you pay in 1 transaction RM100, this is quite straight forward consider as 1 transaction.
If pay 2 transaction RM50, should be treat as 2 transaction. This is just my thought.

No confirmation from TS or CS... so for now not sure yet...
Who had applied the card and tried it, pls share it's consider 1 transaction or 10 transactions?
I believe this is treat as 1 transaction only. Meaning no matter how many transactions paid to ONE bill, transactions treated as ONE.
If you have 10 TNB bills, then it is different story...

This post has been edited by propusers: Jan 20 2013, 11:19 AM

Mobile related transacations is consider as ONE transactions because it's a bonus category. No matter how many time you split the bill.

Can we pay via Maxis E-Billing or need to go to Maxis Centre ?

If I help my mother, my father, my sister and my son pay mobile bill, I believe is 4 transactions... but my pocket will got 4 more lobang every month...

It's consider as one transactions lah ... by andrekua2

Too bad. If not, i will apply this card for sure.
TS stated AF is not waiveable. This will be another constraint.

If AF & GST not waiveable, your annual cash-back rebate RM100 x 12 = RM1200.. Still untung.

Just applied this card today @ HLB Mid Valley.

According to the staff (who went to their Wise CC product training), GST rm50 & 1st Annual Fee will be waived.

Pertaining rm240 maxis bill (1 acc statement) paid rm60 x 4times via maxis online; they will be considered as 4 transactions.

How sure it is, just wait & see lah.

This post has been edited by azuan_izadee: Jan 20 2013, 02:54 PM

With this, I still think OCBC Titaniums is better

This post has been edited by Pink Spider: Jan 20 2013, 02:56 PM

No, depend on ur spending pattern.
U have 3 categories to choose from. Then, total of 10 rm50 transaction per month to get rm50 cash back.
If spend 1k, will get rm100 cash back.

Yup, that is truth. But I am not those big spenders.

I only pump petrol 4-5 times a month and use my card to pay for Astro, Maxis, Celcom and TNB. That makes it 9 transactions

Yup, this card more suitable for those high spenders.

I'm holding HLB-GSC card too. Among the cards I'm holding, HLB seems to be the one most actively promoting consumerism

This HLB Wise plenty of conflicting information.

We shall wait for 1 lucky person to get the card and clarify then.

1 CS tells A and another tells B

so many versions of answer on how to count "no. of rm50 transactions"...
CS got different answer... staff come from Wise CC product training got different answer...

This post has been edited by propusers: Jan 20 2013, 05:28 PM

annual fees cannot be wavied?? is that true?

Let's wait till someone gets the card and clarify correctly.

If now, there would be an influx of wrongly stated information from different sources.

take my advice, dont bother apply for hong leong cards, you will regret it.

they are seriously understaffed, and i have a feeling they hired part time or get peoples from other departments to help creditcard department, and blantly laugh at your application.

dec 15 until now, not even one news. i am very afraid, these low grade no integrity Hong leong staffs might get me into some deep shit.

+100

I have accounts and cards from other banks too

But none bombard me with calls from their insurance unit like HLB, I get calls from HLA agents every now and then

Hmm this better be true... coz last time i have such encounter whereby the actual offer is different from what the sales promised(HXXX bank), there is always a catch for whatever they advertised

I guess they just want to fast fast close the case, and earn the commission.

Agree.

But im not really concern on the number of transaction for my phone bills because my fuel usage is about rm150 per week sometimes more. So just swipe 3x per week, get 12 transactions already. Plus phone & broadband bills ~rm500/mth. Hope can get max rm100 CB every month. But now just hoping my application approved first then talk2 later.

This post has been edited by azuan_izadee: Jan 20 2013, 11:49 PM

You must be a hardcore traveller. Normally I burn around 50 per week only

Anyways, if your income > requirement, HLB would likely approve your application unless you got a history of something.

Update us when you get your card then.

Just curious - Did they tell you that GST MYR 50 would be offset after certain amount of swipe and 1st year annual fee would be free?

I am from Hong Leong Mortgage but this is what i understand about the card during the launching.

- First year annual fee will be waived subject to 1 swipe in 45 days upon card approval.
- As of now, 2nd and following year annual fee cannot be waived yet (Might change later).
-For Mobile, RM50 x 5 = 5 transactions.


Dont blame me if i am wrong. Since there are no other HLB Credit Card staff here, i am just trying to help based on my understanding about the card. However, i will try get a clarification from the person in charge.

I remember last time the MACH card launch also like this.. All blur blur coz HLB didnt post a clear T&C

isit? anyone can confirm these? or maybe if i got 10 transaction but 1 out of them i swipe oni 49.90..so i also not entitle?

If you are worried whether RM49.90 can get 10% cash back or 0%, just swipe >RM50 lah.... is that so difficult ???

My straight-forward plan: Swipe all transactions >RM50 for sure can earn my RM100 cash-back per month.

online pay tnb bill counted as 1 transaction?

hi all, can someone explain on the "10 times transaction" ? whether is 1 month swipes for 10 times with RM 50 in any categories or only the 2 selected categories?

Thanks

10 times in the selected 2 categories + bonus category

Are you sure?

http://www.hlb.com.my/pfs/cc/ccwise_faq.jsp?flag=ccwise
FAQ

3.
How do I earn the 10% cash back?

Just swipe a minimum of any 10 retail transactions monthly (minimum of RM50 per transaction) to activate the 10% cash back on your selected cash back categories.

This post has been edited by propusers: Jan 22 2013, 11:44 PM

Based on my understanding is u will qualify if u swipe any 10 transactions. But u only get rebate for the category u selected + Bonus category transactions

What's the point of swiping other transactions (10 times x RM50) if not in the selected category... you get 0% cashback. that's not so wise

I agree there is no point.

But you are giving the wrong answer to the question.

If I swipe 9 transaction in selected category, and 1 transaction in other non-selected category, i have fulfilled the condition to get 10% cashback. But your answer is NO, it need to be 10 transactions from selected category + bonus category.

Please don't give wrong information.

This post has been edited by propusers: Jan 22 2013, 11:53 PM

My answer is not wrong either BUT WISE answer lah

HLBB.. they are good at making non-straightforward (COMPARED to the CCs released by other banks) credit cards.. e.g. fortune, mach, and now wise.
Don't like the 10 transaction (minimum RM50) per month to get the cashback part. Would be nice if you can swipe RM500 (or more) one shot to get the cashback.

Yea, I agreed is wise answer. But people may misunderstood... Based on your answer, people may thought that MUST be 10 transactions within selected categories. Some people may find it hard to swipe 1 more RM50 transaction in selected category after 9 transactions above RM50 in selected category.