it won't be charged, don't worry.

Hello folks,
Just a noob question here.
I am a new WISE card user (less than 3 months) and my categories include petrol.
In March, I had more than 10x transactions over RM50, and all of them are transacted AND posted within March.
I had approximately RM250 worth of petrol transactions (i.e. 5 x RM50 transactions), and all but one of them were pumped at the same station, and always at the kiosk pumps only, never at the counter.
On 28th April, when I checked online, it seems that I only received RM12 cash back for petrol for March.
Now I am quite confused. I could probably understand if I didn't get back any cashback at all, which would mean that there is something wrong with the petrol station's pump kiosk registration, but it seems that I am getting for some transactions and not getting for some. The math does not seem to add up.
So, my question is, would it be possible that some kiosks are set up properly to reflect the correct merchant code, while some pumps might be using the counter code?
Has anyone here faced this problem before?

Going to cancel this card next month as there is no annual fee waiver.... quite sad as this card gives 10% rebate

I got a feeling that user like me who never spent outside category, will not get AF Waiver.

I thought I overlooked the statement but nope. No RM160 debit figure appeared in my Feb, March, April transactions.

Grocery shopping can download "SmartShopper Malaysia" app (iOS/Android) to compare best price.

not even 1 or 2 % for other category ?

Not a problem. Once reach RM1000 just close case. If more kiasu can swipe until RM985 and your rebate % will be 10.15, if you know what I mean

yeah, did a calculation using tbheng's info (3 categories) vs 1 category.

best is to maximize all 3 categories to achieve lower spending and highest cashback.

if just 1 category, need around RM995 to hit RM100 cashback 

True, but our monthly expenditure is already adequately covered, so having another Wise principal cardholder would no longer be of benefit.

WISE is only good for single card, sup it out will bring the overall CB lower. But mine still don't have AF charged, looks like being waived

Ok noted. So that's mean i need to view at 2 months statement to calculate my monthly rebate from 1st to end of every month. So troublesome.

yeah, that's true... it's quite troublesome... but worth the trouble... hehe...

Second year AF waiver sharing (for both principal and supp cards)   

11 Mar : AF charged.
12 Mar : Called CS to request for waiver. CS said "Ok, you are eligible. Check at next statement."
12 Mar : AF reversal posted.

Anyone successfully asked for a AF waiver?

maybe there are others but so far only he posted the details HERE.

RM0.00 HLB: Save up to 12% off on agoda.com every Wednesday with Hong Leong Visa Credit Card. Book now at www.agoda.com/visawedmy. Ends 4 Jun'14. T&Cs apply.

Must key in Visa CC during the payment details page, then it will automatically deduct.
Don't proceed to confirm if you dont see -12% deduction after you key in visa cc ya, otherwise will charge u full price...

yes I check with CS wise card will get 10% only so no difference as you could use watami to get the same 10% as well 

use mbb2amex for agoda on weekends = 7%+5%+2%(in tp) 

Guys, I'm having problem with payment to tnb. Previously I split the payment by rm50x10 for my tnb bill pay using payonline. I done it by key in the same bil number and pay rm50 x 10 times and each time using new tac number.

Hlb have no problem counting the transaction and rebate. But I've just receive my latest tnb bil and it's just  show I've paid rm50 only.

Anyone here can tell me the correct way to split the bil for tnb?

Hi all,
I just receive the cash on call from HLB. The rate they give is very attractive for me to refuse (although I didn't really need the cash).
I took RM10.1k  with interest rate 3%. Also with 4 month interest free if took above 10k.
After minus the interest free month, the total interest is only 2%...which is much batter that Bank Rakyat.

I think u double check the rate, I receive the call too but the offer rate is around 8-9% if I'm not mistaken.

3% is lower then FD rate for 12month ady.

You effective rate is ~3.90% after factored in the RM12 processing fee and the free 4 months interest free period. Still very good for ASB investor but definitely not for FD depositor.

Add on:
There is a catch though. In case HLB rejected your RM160 AF waiver, you can't terminate the card because Cash On Call can't be early settled. However, the 10% CB should be more than enough to pay off the AF.

Just called again. Cannot waived for AF and GST. Confirmed.

I think those mentioned can waived last time is totally a fun story.

Anyone know how to apply supplementary card?

I don't know who told you GST can waive but as for annual fee, I got mine waived.

No need threat want to cancel card or anything. Just ask nicely and got it. I think a couple forumers who also asked nicely get  waivers too. May be ours is only gold card and easier to waive. Who knows...

the most asked cc question in lyn forum is not about hlb.

it's what is the difference between mbb2cards platinum vs mbb2cards gold?