Hong Leong Bank Wise Credit Card V1 | V2



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 [At all petrol pump only (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)]
* Bonus Category

>> MCC Code Full List [.pdf] <<

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

FAQs
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.
Eg.
May-2013 transactions will get the 10% rebate on 28-June-2013
June-2013 transactions will get the 10% rebate on 28-July-2013
July-2013 transactions will get the 10% rebate on 28-Aug-2013

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.

17. Are the retail transactions in a calendar month are counted based on posting date or transaction date?
Retail transactions in a calendar month are counted based on transaction posting date. Cash-Back is awarded based on the total posted Ringgit amount of eligible retail purchases charged to the Wise Card.

18. Are both Aeon Big and Aeon's supermarket are classified as Groceries Category to enjoy 10% cash back?
For Aeon, only Aeon Big is classified as Groceries Category to enjoy 10% cash back. All other supermarkets in Aeon's outlets are NOT classified as Groceries Category to eligible for cash back. The assignment of merchant category for each merchant is subject to classification by the respective acquiring banks.

19. If I were enrolled for Petrol category, can I enjoy the petrol cash back at any petrol stations? And, are both card transaction at petrol pump/ automated fuel dispenser and cashier counter eligible for petrol cash back?
Yes, you may enjoy petrol cash back for card transaction at automated fuel dispensers, applicable to any petrol stations. But, card transaction at petrol station's cashier counter will not be eligible for petrol cash back as the swipes at counter may include miscellaneous purchases, eg. food, drinks, etc.

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.

Fees & Charges


Download SMS Transaction Alert Maintenance Form (pdf)

Official Site
T & C
Hong Leong Bank targets 100,000 "Wise Credit Card" holders - The Star

Promo Ad


* Special thanks to gauthjasmon_1 *

This post has been edited by ronnie: Dec 23 2013, 09:44 AM

Frequently Asked WISE Questions

1. You can view the Cash Rebate on the next day after it's posted on 28th of each month, via HLB Online Banking portal

2. All transactions posted in the SAME calendar month will be used to calculate the 10% Cash Back

3. Cash back given is based on round-up to the nearest RM
eg.
Total Spend : RM545
10% Cash Back : RM54.50
HLB gives Cash Back amount : RM55.00

4. Maximum achieveable nett cashback >10% (due to the round-up mechanism used by HLB)

5. Your chosen category will be shown per transactions in the CC Paper Statement (by mail)

6. Apply for GOLD card instead of PLATINUM to save on annual fee (RM160 vs RM300). Both types come with same benefits

7. Confirmed AEON Supermarket categorised as Groceries: Permas Jaya / Midvalley / Kinta City / Station 18

8. Paying TNB and SYABAS bills via UOB PayOnline is listed under Utilities category


This post has been edited by ronnie: Feb 13 2014, 07:50 AM

Well done.

This post has been edited by aeiou228: Apr 4 2013, 10:27 AM

Do anyone knw if use Wise to pay water and electric bill by Payonline,


the cash rebate still effective???

i thought annual fee is waived. mine was waived even i was not new to bank customer

This is good to know.... was the AF charged in the first statement ?

@aeiou228
Thanks for your reply.

So, it is actually based on transaction date, but must be posted before they calculate CB (28 of the following month).
Just curious, your statement date is on 28 of month?
I'll share my case after 28 April.

Do anyone knw if use Wise to pay water and electric bill by Payonline,


the cash rebate still effective???

It's hye doing the "clean-up" on any GST offset talk.... oops.

I wonder why not ?

It may gave readers WRONG impresssions because there are "adult kids" in the forum

mobile is free categery.
may i know if i buy the reload card or handphone from digi store online, do i get 10percent rebate= 10percent discount?

Good question indeed.
If you already have the WISE card in hand, you can try RM10 first to test water. If you don't have one yet, M2U to me and I test it for you. I will share the findings here

Logically speaking, if the mobile prepaid reload payment is made thru the same portal which entitles you to the 10% CB for postpaid payment, I guess you will be entitled to 10% CB too.

@ronnie, good work on v2... thanks for taking over...

##update on my WISE application process##
- Went to Gardens HLB branch, applied, waited for 3 weeks. No response, called Customer Service, status was cancelled
- Called up bank agent and got to know the reason, HLB approvers was unable to contact my Office number, appeal email is sent through bank agent to correct the number.
- HLB approvers took another week to call up and verify my existence. Its approved now but the card is to be couriered over.

For those whom wish to get this card, this number was given by the HLB CS team. 03-79501166. Its the HLB credit card telemarketing department. If card is rejected, you may reapply. If card is cancelled, there must be some pending issue and we need to go back to initial agent and appeal the case.

This post has been edited by xbotzz: Apr 5 2013, 04:35 PM

wah keep on makan all the posts... really hungry hye.........

First-year Annual Fee for WISE is waived for ALL customers who signup.

Received my second statement today and confirm that AEON BIG MV gets 10% CB under groceries.

Is the Departmental Store category based on MCC or Merchant Name ?

How come OCBC Titanium card reject Aeon Big as grocery, gave me only 1% instead of 5%.

Anyway good news if Wise card accepts it as grocery, 1 additional choice for me. Or is it certain location Aeon Big not accepted?

My OCBC rejected Aeon Big was in Bukit mertajam.

Did you asked OCBC what was the MCC code in AEON BIG Bukit Mertajam ? Please report in the OCBC Titanium Thread

can any1 try to reload touch n go with wise card will entitled 10% rebate? is it mymydin fall under groceries category?

If you had used other cards @ MyMydin, you can call that bank to verify the MCC info.

Which Mymydin still accepting CC for TnG ? I went to taman perindustrian Kinrara outlet, they don't accept CC for TnG.

Try the MyMydin @ Bukit Jalil (opposite KM1 site)

I normally reload on the mymydin branch below:
MYMYDIN BANDAR TUN HUSSEIN ONN 1
No 9,10,11& 12, Jalan Suasana 2/7A, Bandar Tun Hussein Onn, 43200 Cheras, Selangor

should be able to reload over there..

please advice TNB or water bill how to pay online!!thanks!!

Senior wise user wanna consult you guys, today i swipe twice at Tesco but 2 different cashier counter. So it is consider 1 transaction or 2 transaction ? The time difference is approx 6 minutes.

Tnb no way. Water I m not sure coz selangor gives free water.
2 tranx.

if i use at the same counter 3 times, i consider how many times og transition?

Let say if i select utilities category, based on the t&c i need to swipe 10 times on that category only can activate the 10% cashback, so even if i pay TNB, telekom, Maxis, digi etc i still can't get the rebate right?

The 10 transactions >RM50 can be from selected categories AND/OR non-selected categories

Does this card come with internet banking?

I want to use internet banking to monitor the transactions.

ok thanks

3 transactions.

Do we need to call up CS to request for card Pin or they will send it automatically if we wanna cash advance this card?

HLB will send the pin by mail after you activated the card.

U can try pay TNB bills via UOB pay online. They accept other bank's CC for payment.

Hi

Does wise hong leong credit card gives rewards points for every ringgit spent ?

Or the only privilege is the 10% rebate?

Thanks

Did you bother to read the FAQ of this card ? Go read and ask question not answered by FAQ.

I manage to call up some of my OCBC TI transactions and got some merchant codes;

5411 - Groceries code
- Pasaraya Wai Hong (bandar puchong and bandar puteri)
- 99 Speed Mart
- Tesco Puchong

5311 - Departmental code
- AEON Bandar Puchong Selangor

Happy spending wisely !!

Does this WISE card have to come together with the GSC credit card?
My dad applied for the WISE card and he's forced to take the GSC gold card along with this WISE Gold card. My dad immediately canceled the GSC card. Later the customer service told my dad that these 2 cards are 1 pair. And only need to pay GST for one card only. So now the bank is going to send a new GSC card to my dad again.

Not stated anywhere at the website;
http://www.hlb.com.my/pfs/cc/ccwise_fc.jsp?flag=ccwise

Could be a trick from the salesperson. Insist for a black and white stating that need to pay GST for one card only. Else, just make a complain to Bank Negara.

paid maxis from HLB Wise using pay.maxis.com.my. Quick and easy.

i just call hongleong cs. she tell me that if i want to get 10 percent rebate, i must do FIRST 10 transition more than rm50. if in the first than transition, there are less than rm50, i will not entitled 10 percent rebate even i have done 15 transition(11 transition is more than rm50). is that true?

for the person who receive the 10 percent rebate, pls advise. thanks.

No not true.
As long as you have 10x >RM50 transactions IN ANY ORDER OR SEQUENT WITHIN A CALENDER MONTH, you are entitle to 10% CB.

I applied... I have met all the requirements and I still got rejected... why is that so ? hmm

and on top of that i have a hong leong back credit card with the limit of RM3k which i havent touch.. why arent they giving me this card when my annual earnings top their requirements + this car max amount is RM2k as stated with earnings up to RM20k per annum...

existing hong leong cc holder need to pay annual fees if apply?

First year AF is free for both old and new customers... so I heard from HLB bank staff

Thanks ronnie. When I approached agent at road show last time, he told me I only can apply via bank staff. Just to double confirm that.

I applied via bank staff on 5 April... until now no news

ya..I actually prefer apply via agent, easy to follow up and maybe faster.

HLB do things...sometimes no head no tail :/
Be4 i just want to change the address because they key in the wrong one....they made me go to the bank 3 more times after that, because even after filling the form and getting their confirmation that the changes will be reflected within 1 day....nothing happened!! Oh btw, they insist they cant change the address over the phone....just at the branch where i opened the acc :/

Maybe u guys need to "TRY" harder to apply.....since changing address itself also such a hassle...@@

I guess It is due to security reasons and to protect your interest. Although it was their fault in the first place.

I know .....but dont u think 1 time to go to the branch is not enuf? I had to go 3 times to do it again n again???

3 visits to the branch just to change the address is definitely not acceptable. must be an incompetent staff attended to you.

3 different staff LOL!!
yeah...Damansara Perdana Branch Suxxx!! Long lines and incompetent staffs

Applying for this was painful.. They made me call the cs more then 10 times.. Walk to a branch two times... Scold the agent several times.. Threathen the branch manager with an official complaint to bnm... Best part maybank2card.. 2hrs kaw tim...

I hope this card is worth all the effort.. Manage to get my 10x rm50.. Will see how the fruit yields soon

If pay 1 bill > RM1000 with 10x internet banking transactions > RM50, can still get 10% cash back or not?

This post has been edited by ChrisHor: Apr 18 2013, 04:24 PM

my digi bill. it is really true that HLB cannot use interbanking to pay electric, unifi, assessment etc?

then how to use cc to pay digi, electric bill? need to pay at digi/tnb counter?
If like that, wasted my time to apply for this card.

You can go to digi center and change to auto billing.

I think this card is good. Wait my 15% SCB Petrol Cash Back expired, I will terminate it and get this.

Question 1: Is the Cash Back credited into our account at the end of the month? (Like Maybank?)

Question 2: Min Spending RM50, Can we split TNB Bill, say RM500, 10 times in one day? Or HLB Portal has restricted on 2 payments to specific payee in one week (like Maybank)?

Question 3: Is there any other fee besides GST RM50?

Thats all my queries. Hope those who are the card holders could tell me more about it and your experience in using it. Thank you.

Question 1 : 10% Rebate will be credited every 28th of the NEXT month.

Question 3 : Annual Fee is not waiveable (I think subject to change)

Finally a very good answer from smsbusiness2u.
Keep up in this manner.

I got charged RM21 for retail interest. I don't really like how HLB rip you off.

My OCBC statement came way earlier before 15th each month (billing cycle on 10th) and due on end of the month. HLB billing cycle on 15th, received on 20th or later with end of month due date. Worse if you didn't received or received it too late.

I'm getting RM50 cash rebate. What's that for? GST offset?

No, I'm talking about Wise.

Subscribe internet banking to monitor your account la,still depend on snail mail meh ?

I can't remember how many times I reset password for their online banking. Worst experience ever. Tried login, and wrong password. Tried few other possible combi also failed. Went to their ATM to get the E Pin n reset password. The new combi is the one I used frequently, and guess what. Error popped out new password can't be same as old one. Managed to change it n now same problem again.

I think CIMBClicks is the best.

And sometimes I'm forgetful. Paper statement is best as I will see it everyday on my desk.

This post has been edited by andrekua2: Apr 21 2013, 12:15 AM

But there is no e-statement for HL Wise card. (Unless I have missed it.)
Hope they adopt e-statement soon.

Would like to clarify a point the RM 50, 10x swap will only entitle to 10% discount.

How if condition for sub card? Government tax do charge for sub card? Even annual fee?

Sorry, lastly nvr research about sub card, but now thinking which card best I sub to my gf.

Thanks.

Got la. Under manage my account tab. But I never request though.

Hmmm....I have tried that option, it is basically list out the statement transactions, but not in the statement format.
Don't think they have e-statement yet.
Will ask HL the next time call up their CS.

Then, there is no point getting it.

I submitted my HLB WISE Card application on 5 April via HLB branch....
It was approved in 11 working days..... Now can plan for May spending

Yo, Ronnie bro... what took you so long to get on this?
Thought you had applied for this much earlier.
Congrats on getting your new card.
Enjoy your 10x RM50 spending planning and reap the 10% CB
5 more days for me to see the 1st results...

This post has been edited by tbheng: Apr 23 2013, 12:39 AM

PROcrastinating..... It's never too late to let your guys test and report back ;-)
I guess I will use my card starting from 1 May 2013.
Rather than late April 2013, unless can fit RM50 x 10 within 7 days (maybe I can squeeze in some vouchers RM50 x 10 transactions, just to earn my first RM50)

guys just a quick question whats the pin for i got by mail ?

The main purpose of this pin is for you to do cash advance.

For You to Use it for Cash Advances at ATM In Case...

After i fill up all the details and key in OTP as well ,
system pop up the msg as below,
" Sorry, your request/transaction is not successful. You will receive a refund if you’ve been charged. For further assistance, please contact your bank."

Bro, did you use HL Wise Card on maxis pay easy?

My HLB Wise has been auto-linked with my HLB Conenct logon.... Cool.
Now to submit the SMS Transaction Alert Threshold Limit Update form.

how about your essential card ? do they offer you any rm50 to Offset GST ?

I've cancelled the HLB Essential a few months back before GST sets in.
I did receive a retention call-back, but I ignored them. HLB did say I can "reactivate" my cancelled Essential card

This post has been edited by ronnie: Apr 25 2013, 09:23 AM

which categories of cashback you chose ?

1. Petrol
2. Departmental Stores
3. Mobile (Bonus category for everyone)

To maximise my 10% CashBack, I will buy vouchers from Department Stores (to be spent later)

Anybody used Maxis EasyPay to pay Maxis Home Fibre bills using HLB WISE ?
Do we get 10% Cash Back ?

This post has been edited by ronnie: Apr 25 2013, 11:18 AM

I collected my HLB WISE Card at the branch today. Nice matte look with gold embossed lettering
Called in to activate via IVR at 1.25PM
Received Activation SMS at 1.27PM

Achieved my 10 swipes for April 2013 in a single day !!!!

This post has been edited by ronnie: Apr 26 2013, 10:27 PM

Wow! achieved 10 swipes in a day very fast. Where did you swipe it ?

All around Midvalley & The Gardens ....

Departmental Store : Isetan, Robinsons, AEON
Mobile : Maxis Self-Service Kiosk

This post has been edited by ronnie: Apr 26 2013, 11:34 PM

My statement is on every 2nd of the month,so the 10X usage thing is reset on 1st or 2nd of every month ? My last statement date is 2nd April. I have already max out the Rm100 cash back wanna know which date it reset back. Hopefully senior user will help me.

Thanks.

This post has been edited by eddievh: Apr 27 2013, 05:30 AM

TnC mentioned calendar month basis. Irrespective of your statement date.