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Credit Cards Hong Leong Bank Wise Credit Card V3, 10% Cashback , Up to RM100 per month
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tonytyk
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 May 19 2014, 10:34 PM
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QUOTE(Wongchoy @ May 19 2014, 10:12 PM) With the recently launch of Public Bank Visa Signature which cover grocery dining and online transaction, do you all think this is a worthy upgrade from wise card. My wise card anniv is coming late June and i'm considering my options now. As some of you might be aware, my wise category is Dining and grocery so it is sort of a direct replacement. The benefit of PBB AF waiver leaves me a positive impression about this card. For the past year, i have enjoyed the wise card benefit so much, that after OCBC Titanium is converted to 1% and i duly cancelled it, i do not hesitate to apply for a 2nd card thru my wife name for utility and petrol usage. I would also not maintain both cards since my spending on dining and grocery is less than 1k a month. But since AF waiver for wise card is not guaranteed, I'd like to hear from you. Get PBB VS or maintain wise card and hope to qualify for AF waiver. Thank you  Definitely worth applying PB VS, much better than Wise, as there are Wise users claimed their transaction being delayed such that they do not meet the minimum 10 swipe of minimum RM50 to entitle for cash rebate. PBB VS does not have such condition of minimum transaction nor minimum amount to qualify for cash rebate. Not to mention the annual fee waiver for PB VS, whereas Annual fee for Wise cannot be waived, except for an exceptional few. |
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andrekua2
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May 19 2014, 10:51 PM
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QUOTE(supersound @ May 19 2014, 09:51 PM) Is it? Thailand's broadband cost them 7++ for 20mbps while our narrowband cost 120 for 2mbps  Hahaha... Who cares... I like Malaysia... |
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SUSsupersound
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May 19 2014, 10:52 PM
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QUOTE(andrekua2 @ May 19 2014, 10:51 PM) Hahaha... Who cares... I like Malaysia... On all the countries has broadband, ours are top 10, from behind  |
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yw46
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May 19 2014, 10:59 PM
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Hi guys
If my petrol transaction in hard copy statement dont have the "Petrol" in the category, mean no 10% rebate ?
Damn, just received my statement, only 1 out of 5 petrol transactions categorized under "Petrol"
This post has been edited by yw46: May 19 2014, 11:00 PM
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SUSsupersound
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May 19 2014, 11:06 PM
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QUOTE(yw46 @ May 19 2014, 10:59 PM) Hi guys If my petrol transaction in hard copy statement dont have the "Petrol" in the category, mean no 10% rebate ? Damn, just received my statement, only 1 out of 5 petrol transactions categorized under "Petrol" Sure use the counter's CC machine and not the pump's machine  |
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andrekua2
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May 19 2014, 11:08 PM
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QUOTE(supersound @ May 19 2014, 10:52 PM) On all the countries has broadband, ours are top 10, from behind If Im moving to Thais, its because of their cheap cars, not broadband. |
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tigaxxx
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May 19 2014, 11:08 PM
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QUOTE(Wongchoy @ May 19 2014, 10:12 PM) With the recently launch of Public Bank Visa Signature which cover grocery dining and online transaction, do you all think this is a worthy upgrade from wise card. My wise card anniv is coming late June and i'm considering my options now. As some of you might be aware, my wise category is Dining and grocery so it is sort of a direct replacement. The benefit of PBB AF waiver leaves me a positive impression about this card. For the past year, i have enjoyed the wise card benefit so much, that after OCBC Titanium is converted to 1% and i duly cancelled it, i do not hesitate to apply for a 2nd card thru my wife name for utility and petrol usage. I would also not maintain both cards since my spending on dining and grocery is less than 1k a month. But since AF waiver for wise card is not guaranteed, I'd like to hear from you. Get PBB VS or maintain wise card and hope to qualify for AF waiver. Thank you It all boils down to ur spending pattern...only u can answer that... wise is 10% while PB is only 6% for me if I had to choose, I would prefer wise coz I spend wisely |
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SUSsupersound
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May 19 2014, 11:11 PM
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QUOTE(tigaxxx @ May 19 2014, 11:08 PM) It all boils down to ur spending pattern...only u can answer that... wise is 10% while PB is only 6% for me if I had to choose, I would prefer wise coz I spend wisely WISE is only 8.25% in actual  |
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Wongchoy
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May 19 2014, 11:30 PM
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QUOTE(supersound @ May 19 2014, 11:11 PM) WISE is only 8.25% in actual It will be close to 10% if AF is waived |
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cyclonerox
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May 20 2014, 01:20 AM
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Getting Started
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Seriously I'm having a trouble with this card...I can't get Visa security authentication code which caused I can't make payment at payonline.com and I can't make any payment at DiGi kiosk also...how should I pay my phone bill?
This post has been edited by cyclonerox: May 20 2014, 01:22 AM
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tigaxxx
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May 20 2014, 09:11 AM
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QUOTE(cyclonerox @ May 20 2014, 01:20 AM) I can't make any payment at DiGi kiosk also...how should I pay my phone bill? Same thing here |
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victorywp
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May 20 2014, 10:03 AM
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QUOTE(Wongchoy @ May 19 2014, 11:30 PM) It will be close to 10% if AF is waived and 10% if gst is absorbed by hlb.  |
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onnying88
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May 20 2014, 10:17 AM
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QUOTE(cyclonerox @ May 20 2014, 01:20 AM) Seriously I'm having a trouble with this card...I can't get Visa security authentication code which caused I can't make payment at payonline.com and I can't make any payment at DiGi kiosk also...how should I pay my phone bill? Call HLB CS is the best you can do to solve your problem. |
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SUSsupersound
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May 20 2014, 10:33 AM
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QUOTE(Wongchoy @ May 19 2014, 11:30 PM) It will be close to 10% if AF is waived I never consider the AF being waived, as when it is waived, I'll consider it as bonus. Else I'll stick to 8.25% for easier calculation(as I'm selling back some of my groceries out)  |
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cyclonerox
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May 20 2014, 10:51 AM
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Getting Started
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QUOTE(onnying88 @ May 20 2014, 10:17 AM) Call HLB CS is the best you can do to solve your problem. I did! and they told me there's is some issues with the credit card, can't make any online transaction zzzzzzzzz TIRED with their CS since the first day I received my card last month. |
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TSronnie
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May 20 2014, 11:00 AM
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Is the HLB Connect portal down for maintenance ? Can't access now  |
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Wongchoy
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May 20 2014, 11:16 AM
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QUOTE(ronnie @ May 20 2014, 11:00 AM) Is the HLB Connect portal down for maintenance ? Can't access now Mine no problem wor. |
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herc
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May 20 2014, 11:23 AM
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QUOTE(ronnie @ May 20 2014, 11:00 AM) Is the HLB Connect portal down for maintenance ? Can't access now No problem for me too. Just that my payment to Maxis on May 15 still haven't show... This post has been edited by herc: May 20 2014, 11:33 AM |
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Wongchoy
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May 20 2014, 11:35 AM
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Having thinking all night, i have decided to apply for PB VS and maintain my wise card. Having both cards will enable me to judge which is a better card. PBVS is absolutely free for the next 12 months . And best if wise AF is waived. But since i never spent outside grocery, dining and mobile bills on my wise card and i pay in full every month, The possibility of waiver is very small indeed !  |
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tigaxxx
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May 20 2014, 11:50 AM
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QUOTE(cyclonerox @ May 20 2014, 10:51 AM) I did! and they told me there's is some issues with the credit card, can't make any online transaction zzzzzzzzz TIRED with their CS since the first day I received my card last month. That's what they told me also..and I never received any sms alert whenever I purchase something |
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