Credit Cards Hong Leong Bank Wise Credit Card V3, 10% Cashback , Up to RM100 per month
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 Jun 14 2014, 01:32 PM
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102  
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Oops i misunderstood the post above... Now i get it. AF not charged can be considered as waiver. Hopefully i won't see any AF charge next week
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Jun 14 2014, 02:06 PM
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Senior Member
6,266 posts Joined: Jul 2005 From: UEP Subang Jaya 
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QUOTE(Titan_Gunners @ Jun 13 2014, 03:43 PM) Annual savings 1200- 350( AF + GST) = 850 Yet this will reduce effective cashback.Still havings net savings RM850, correct??   Makes it 850/12,000 = 7.0833% Still a bit better than Amex (5% + 2% in points) but not THAT much better unless you always max one or the other. |
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Jun 14 2014, 02:47 PM
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Senior Member
1,962 posts Joined: Nov 2011
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QUOTE(LostAndFound @ Jun 14 2014, 02:06 PM) Yet this will reduce effective cashback. PBB VISA signature which offers 6% cash back is more flexible and convenient to use, no min 10x swipe of min RM50 and AF auto waive with more than 12 swipes, can be used for online transaction any time not just weekendMakes it 850/12,000 = 7.0833% Still a bit better than Amex (5% + 2% in points) but not THAT much better unless you always max one or the other. |
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Jun 14 2014, 03:14 PM
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Senior Member
5,867 posts Joined: Feb 2006
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QUOTE(LostAndFound @ Jun 14 2014, 02:06 PM) Yet this will reduce effective cashback. As for gold wise card:Makes it 850/12,000 = 7.0833% Still a bit better than Amex (5% + 2% in points) but not THAT much better unless you always max one or the other. Without AF waiver 1040/120= 8.667% With AF waiver 1200/120= 10% WISE card's advantages over Amex are 100% acceptance by all merchants, 365 days CB, 10% CB, true cash back no need points, higher monthly CB RM100 cap. Amex advantages over Wise card are no 3 categories limit, unlimited 2% in TP, no need min 10x>rm50. Omitted the RM50 tax because all CC need to pay the same tax. This post has been edited by aeiou228: Jun 14 2014, 03:15 PM |
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Jun 14 2014, 05:18 PM
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Senior Member
637 posts Joined: Mar 2014 From: Airport around the world
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Hong leong wise gold is the best cash rebate CC for me
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Jun 14 2014, 06:51 PM
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Senior Member
1,956 posts Joined: May 2010
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QUOTE(tonytyk @ Jun 14 2014, 02:47 PM) PBB VISA signature which offers 6% cash back is more flexible and convenient to use, no min 10x swipe of min RM50 and AF auto waive with more than 12 swipes, can be used for online transaction any time not just weekend that true, WISE need min 10x rm50, sometime might headache |
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Jun 14 2014, 11:13 PM
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Senior Member
7,496 posts Joined: Feb 2007
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QUOTE(beyond86 @ Jun 14 2014, 06:51 PM) that true, WISE need min 10x rm50, sometime might headache when u hit 9th or 10th transaction just have to be extra careful on transactions below RM50 so keep track |
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Jun 14 2014, 11:15 PM
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Senior Member
7,496 posts Joined: Feb 2007
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QUOTE(aeiou228 @ Jun 14 2014, 11:12 AM) Same here, mine since Feb 2013. Only GST RM50 was charged in March 2014. so u just spend RM1k as usual per month and get it waived ?Now already middle of June, I can safely say that my AF had been waived automatically. Maybe that's the reason why CS says AF can't be waived because there is nothing to waive  Those who stop using wise card 1 month before second year renewal date and cancel the card before due date sure rugi if they gets the auto AF waiver. |
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Jun 14 2014, 11:47 PM
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Junior Member
44 posts Joined: Jan 2003
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QUOTE(aeiou228 @ Jun 14 2014, 11:12 AM) Same here, mine since Feb 2013. Only GST RM50 was charged in March 2014. Ok noted. Thanks for all sharing Now already middle of June, I can safely say that my AF had been waived automatically. Maybe that's the reason why CS says AF can't be waived because there is nothing to waive Those who stop using wise card 1 month before second year renewal date and cancel the card before due date sure rugi if they gets the auto AF waiver.  Hopefully I will be lucky as you all (finger cross  ) |
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Jun 15 2014, 12:07 AM
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Senior Member
3,294 posts Joined: Dec 2005
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I just receive my latest statement I see there is a charge for GST but no AF ... not sure it is auto waived or will be charged next month ??
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Jun 15 2014, 04:12 PM
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All Stars
65,337 posts Joined: Jan 2003
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QUOTE(babycherie @ Jun 15 2014, 03:53 PM) Anyone whom interesting apply hong Leong bank wise card or GSC card. well, i've requested via HLB's website to call me back. the stated SLA is 3 working days and no one called me, till Friday (>3 working days). Resubmit again this morning. Kindly PM me . Personal Free gift given   If i'm free, I'd have dropped by HLB branch personally since there are 2-3 branches near where i work  thanks for the offer though, i prefer deal this personally with the bank |
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Jun 15 2014, 06:03 PM
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Senior Member
2,158 posts Joined: May 2010
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hi wanna ask..my monthly income is rm2200..my job requires me to travel..so i will get the mileage claim also..this will add up to total rm3000..so am i eligible to apply this?anyone can help..
or is it better for me to ask at the counter |
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Jun 15 2014, 07:21 PM
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(watekeke @ Jun 15 2014, 06:03 PM) hi wanna ask..my monthly income is rm2200..my job requires me to travel..so i will get the mileage claim also..this will add up to total rm3000..so am i eligible to apply this?anyone can help.. Sure you can apply.. Bank approve or not is altogether a different story. I'm not sure if its still true but wise card used to be one of the toughest card to apply.or is it better for me to ask at the counter |
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Jun 15 2014, 09:27 PM
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Senior Member
6,266 posts Joined: Jul 2005 From: UEP Subang Jaya
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QUOTE(babycherie @ Jun 15 2014, 03:53 PM) Anyone whom interesting apply hong Leong bank wise card or GSC card. What's the free gift?Kindly PM me . Personal Free gift given |
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Jun 15 2014, 10:42 PM
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Junior Member
178 posts Joined: Dec 2007 
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QUOTE(LostAndFound @ Jun 15 2014, 09:27 PM) What's the free gift? Little power bank.Hmm.my commission not much either. |
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Jun 15 2014, 11:20 PM
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All Stars
11,741 posts Joined: Oct 2013 From: Her Heart 
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QUOTE(babycherie @ Jun 15 2014, 10:42 PM) Little power bank. oh, the 2,600mah powerbank? Hmm.my commission not much either.  commission not high but hit target can go japan. |
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Jun 15 2014, 11:28 PM
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All Stars
11,741 posts Joined: Oct 2013 From: Her Heart
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QUOTE(watekeke @ Jun 15 2014, 06:03 PM) hi wanna ask..my monthly income is rm2200..my job requires me to travel..so i will get the mileage claim also..this will add up to total rm3000..so am i eligible to apply this?anyone can help.. no harm trying. some banks only taking into account the basic salary, some banks do include commission/claims as consideration, some other banks only look at epf/tax contribution, while some do evaluate all the above. but no matter what, the main consideration still on basic salary.or is it better for me to ask at the counter |
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Jun 15 2014, 11:52 PM
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Senior Member
2,158 posts Joined: May 2010
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QUOTE(victorywp @ Jun 15 2014, 11:28 PM) no harm trying. some banks only taking into account the basic salary, some banks do include commission/claims as consideration, some other banks only look at epf/tax contribution, while some do evaluate all the above. but no matter what, the main consideration still on basic salary. thnx..will try in the nearest time..  |
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Jun 16 2014, 08:37 AM
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Junior Member
178 posts Joined: Dec 2007
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QUOTE(victorywp @ Jun 15 2014, 11:20 PM) oh, the 2,600mah powerbank? Not easily to hit the target leh.commission not high but hit target can go japan. Credit card nowadays target is crazy. |
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Jun 16 2014, 08:48 AM
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All Stars
65,337 posts Joined: Jan 2003
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QUOTE(babycherie @ Jun 16 2014, 08:37 AM) Not easily to hit the target leh. if u dont mind me asking, your target is based on successful approval by the bank?Credit card nowadays target is crazy. |
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