IMO a RM2k CL is sufficient for all wise card member because i don't quite believe anyone would spend a thousand ringgit transaction on this card.

totally agree..mayb will spend few ringgit extra

few ringgit extra? not few ringgit lesser meh? the least can go is to spend rm985 but still get rm100 cb.

hahaha..i think u calculate until the grass die jor

lol... usually i will go few ringgit lesser, very seldom can meet the least like rm15 as i mentioned... because that will need special and proper plan/strategy.

Sorry if OT. Thinking of using Wise card in UOB Payonline to pay TNB bills. But found this in its FAQ:

PayOnline is currently best viewed with Internet Explorer 5.X, 6.X, 7.X or 8.X.

Can use Internet Explorer 11 or latest Chrome browsers instead?

i use chrome and all my transactions went through smoothly

i think you can call in and ask HLB CS. I don't have my hardcopy statement with me, but after almost 2 years of HLB CC user, i've noticed it does get charged on the anniversary date (not month).

BTW, slightly OT but still HLB CC (for the benefits of other HLB CC user). I called in to cancel my HLB Essential, they actually call back with the offer to give me back RM50, to cover the GST. T&C is no cancellation for 1 year. If you do cancel, then penalty RM50.

first time heard of this penalty from a bank

Hi all, I have a question, for HLB Wise, If my category is petrol and groceries and I have successfully make 10x RM50 or above transaction for the month, then I continue to use it to pump RM40 of petrol, will the RM40 transaction get rebate?

Definitely can... pump berapa petrol pun boleh as long as you had made 10xRM50 transactions and category chosen is petrol

as long as you done minimum 10 times of >rm50 in a calendar month, you will activate the 10% cb. you can also pump rm10, rm20, rm40 first and then rm50 x 10. not necessarily must be after you accomplished rm50 x 10.

Thanks guys... acknowledged

I use it around RM1500 to RM2000++ per month and get RM80-100 cashback

By the way, what is the max CL for gold card? Mine currently is 3k..

This post has been edited by akh2920: Sep 25 2014, 11:00 AM

doesn't really matter, some people having 20k cl (or more) with gold.

Perhaps you may want to consider applying a secondary cash back CC to cater for the extra Rm500 to Rm1000 spending ?

A tough question to answer because gold card nowadays are entry level cards yet some gold cards have a CL of RM50k. As a wise gold member, if you also hold HL VI , your wise card CL will also be a min. of RM60k !

Because I once thought the main advantage of platinum card is higher CL If that's the case then the extra AF compared to gold card is really pointless...

I did have a UOB ONE platinum as a secondary CB card, but in fact i really seldom could utilize/use it since the day I got wise card (or perhaps i didnt plan the spending distribution well)... was thinking to replace it with other CB card such as MBB Amex card...

This post has been edited by akh2920: Sep 25 2014, 04:52 PM

I get my annual fee of rm300+rm150 and government tax rm50+rm 25. Can i apply to Waive the annual fee. It too high amt to pay.

This post has been edited by mynewuser: Sep 26 2014, 07:29 AM