Well now that you mentioned it, previously I was holding a Mach CC and 6 months later added Wise CC, yet I got my GST for Wise CC credited back, until now no annual fee charged/waiver.

without you having to call for waiver? So good!

My case was the opposite - MACH charges me GST because I am no longer 'new to bank'.

I didn't call..since HLB is so kind to credit it back I will just keep quiet about it.
I was charged GST as well, maybe they will credit it back to you a few months later?

This sounds very good. I heard about this, just not sure the 10% rebates. Planning to get 1 already.

Is there any chance I can apply the credit card at centre and complete everything in 1 day?


The Annual Fees can waived off??

This post has been edited by kopiPeng: Sep 2 2014, 10:49 AM

dont think there's any express application, especially with the stringent application processes set by HLB (incredibly tedious).

fastest is 1 week approval (provided documentation is complete and your credit status is favorable).


AF is waived for year 1.... and highly subjective and extremely rare to be waived for year 2 onwards.

ok. thanks for your info.

As you guys said the 10% rebate will gone after GST implementation

Then most probably i will only use 1 year HL WISE then terminate lor.

not the rebate gone le, the current Gomen Svc Tax may be abolished.

however, by the time near/after actual GST implementation on 1 April 2015, there could be new cards with better rebates, perhaps

getting Wise now is better since your year 1 is FOC and it crosses 1 April 2015, so you still can decide later whether to cancel or to continue, depending on the new cards offering next year

thanks for your tips bro!

Gonna register one now!!

Any jalan to get one??



BTW bro.. can explain to me what is finance charge?? I dont understand..

This post has been edited by kopiPeng: Sep 2 2014, 02:42 PM

Finance charge mean interest charge to you if you didn't clear the balance every month.

If you use Rm1k this month and only pay min 5% or Rm50 only, you will be charge 18% on the Rm950 balance.

owh... thanks for your clarification. the 13th month confused me

No need to be confused on this. If you default the payment, I think you will lost the cash back also.
For me, I never bother on BT or any other form of delaying on payment(even is 0%) as once it become a habit, you will continue to over spend.
I don't want to be part of the 60-70 people that being sued bankruptcies.

BT is the best when you have very high credit limit

Hong Leong ‘Cyclone’ Supplementary Card Campaign\
Campaign Period: 1 Sep 2014 - 31 Oct 2014



HLB | T&Cs

Is it? I applied to reduce my WISE's CL from rm10000 to rm5000.
I prefer low credit limit as this can cap my over spending.

aiya for wise card keep max 1.5k cl enough liao la. only for those cc that offer 0% bt should get higher cl.

https://www.hlb.com.my/main/promotion/20140...-001-big-sale-3

Has everyone placed orders in the Big Sale campaign??

Aiyak! Forgotten liao

Just submitted all 5 entries.... for fun even though didn't achieve the RM1500 spend.