Hello, guys. Just wandering around this corner to see how HL credit card is like. Seems like it's quite good in the sense that you can achieve up to RM100 cash back if we spend on those specific categories. But there seem to be some downsides to it, such as minimum number of swipes...
Generally, do you think this card is good to go hand-in-hand with OCBC card? Thanks.

If direct comparison like this, memang HLB win hands down.

Mmm, thanks for this.

Haha, yes...I think you did, must be you. Back then I did some rough estimation and I forgot why I disliked the card
Maybe now I can reconsider about getting it... Any new promos, haha

After I finally got my OCBC, baru I see that it's not really a top card anymore, lol...ish

Thanks for this. I'll go surf around their site and see if there's anything else too.

Looks like HLB card is a must now

Seems like there are a lot of promos tied to the CC: http://www.hlb.com.my/pfs/cc/ccpromo.jsp?flag=ccpromo
What do you think is the best one to go for, hmm...

This post has been edited by pinksapphire: Aug 1 2013, 03:31 AM

If it can be carried forward, it kinda defeats the purpose of the 'max RM100' rule, wouldn't it? And I'm sure a lot of people wouldn't be scrutinizing their expenditures if they can carry their additional cashback forward.

Which promo did you guys sign up for when you apply for HL card? Anything that I should look out for?
I did browse the site and luckily they have good info there, but just want to know if there's anything else out there.

Thanks.

This is crazy...I went to three branches of HL and experienced unsatisfied services.
I've obtained the credit card application form and it's so thick!! May I ask if the normal way of applying is through branches? Is that how you guys did yours?

Do you know whether there's any free gift that they can give for new application? I wanna wait for roadshows but no idea when there would be one.

Mine seems to be the same one as yours, but it's 6 pages of application form and additional 8 pages of infos.
This is thick to me because I didn't have to fill in so many things compared with OCBC, Citibank, SC.

Did you get any gift with your application? =) And have you heard from them on your status yet?

Thanks!

I asked the same. They answered "if you don't submit the docs, we can't guarantee the success rate...the more docs you can give, the better". So, what can I say to that when they throw that at me

No, they asked for 3 months' salary slips, EPF and 3 months' bank statements (if none, they can still try to do without it). But different branch seems to want it more or less, so it depends on them, I guess.

I haven't submitted my application yet. Going to do so on Monday. Feels so draggy having to go to either one of those sucky branches here

Thanks for this advice.

Btw, can anyone confirm that for Utilities, it's only limited to Water and Electricity? Initially I thought there are others included, but looking into the details, seems like there's only these two.

I'm still thinking which are the best categories to choose. The only other cashback card I have is OCBC, so thinking about what compliments best.

Thanks for your feedback. I'm not a family man...still a family girl, lol

I know this has been raised up before, but I'm not sure if most of you who own this card actually applied for the Platinum or Gold? Reason being, the annual fee is pretty high at RM300 and RM160 respectively, so did you guys apply for the lower one or just hope that when 1 year is due, they can waive it for us eventhough so far the response is no?

Appreciate your feedbacks as I'm not sure if it's worth applying if I don't max out RM100 per month (RM1200 a year) and at the end still pay a high annual fee, may not feasible.

Yeah, I'm thinking of doing the same too if there are not many difference between these two cards. Gold colour is a bit "lou tou" though, hehe...

How about the rest of you guys here, do you do the same too?

Really?? Then I'll get gold if that's the case

Yeah, I'm planning to apply for the cards under this promo too. But have to take two cards though.

May I ask those who have applied for HL cards, do you all do it through branches? They don't seem to have booths at the mall...

I think can, but might as well save the hassle by getting main+supp. I'm planning to take HLB Wise Gold (the card's colour not gonna be gold, right? ) and supplementary since it's counted as two cards under this promo and the swipes will be combined, so it's easier to achieve 10 swipes. Btw, has anyone confirmed if the annual fee can be waived?

Oh!! If this can be done, then it would be most awesome, lol...

So hard to decide which categories to pick...Utilities, Groceries, Dining (I eat out moderately), Departmental, Petrol (I think I spend at most 200-ish)
Anyone feels if certain categories can be covered better by other cards that I least likely to need for this card? Generally, I don't spend too much in each categories.

I looked up payment for Maxis, seems so tedious paying online. How about calling up Maxis customer service and pay through them? Will it be counted?

I seriously hate those sales people who keep calling you to have you sign up with them and when you finally did because you wanted to support them (since you wanted the card anyway, might as well help them), they go quiet on you after your cards are approved!

After that the follow-ups will be terrible, they won't answer your calls, smses and leave you wondering when the heck your cards will arrive. So damn annoying when you wanted to be nice to them sometimes!

....based on personal experience on the recent HL card application