Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Hong Leong Bank Wise Credit Card V3, 10% Cashback , Up to RM100 per month
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 May 7 2014, 11:25 AM
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Senior Member
1,956 posts Joined: May 2010 
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QUOTE(cx2531 @ May 7 2014, 12:04 PM) hmm. i think 50x10 = 500, another 500 mayb few transaction will done. because >10 swipe right? if not heavy spender, 10x swipe with min RM50 can be a problems just wondering rm50 x 10 times (tnb bills) will cause not convenient or not or miss transaction sometimes   |
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May 7 2014, 11:36 AM
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Senior Member
2,493 posts Joined: Mar 2014 
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What he meant is that in order to reach 10 swipes in 30 days, you will need to swipe RM50 once every 3 days.
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May 7 2014, 11:40 AM
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Senior Member
568 posts Joined: Jun 2011
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QUOTE(kelvinlzy @ May 7 2014, 11:36 AM) What he meant is that in order to reach 10 swipes in 30 days, you will need to swipe RM50 once every 3 days. 1 day swipe 10 times not a problem oso right? |
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May 7 2014, 11:44 AM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(cx2531 @ May 7 2014, 11:40 AM) 1 day swipe 10 times not a problem oso right? no limit to merchant or count per day.since your TNB bill already 5xx (each month?), it's relatively easy for you to activate the cashback requirements liao  This post has been edited by cybpsych: May 7 2014, 11:45 AM |
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May 7 2014, 11:50 AM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(cx2531 @ May 7 2014, 11:40 AM) 1 day swipe 10 times not a problem oso right? 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  |
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May 7 2014, 11:55 AM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(kelvinlzy @ May 7 2014, 11:50 AM) 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 just curious. if 10% cb for RM985 = RM98.5, it will round-up to RM99 or RM100?  |
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May 7 2014, 12:04 PM
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All Stars
11,741 posts Joined: Oct 2013 From: Her Heart 
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QUOTE(cybpsych @ May 7 2014, 11:55 AM) just curious. if 10% cb for RM985 = RM98.5, it will round-up to RM99 or RM100? he means rm335 (rm34 cb) + rm325 (rm33 cb) + rm325 (rm33 cb) |
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May 7 2014, 12:08 PM
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Senior Member
2,493 posts Joined: Mar 2014
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QUOTE(cybpsych @ May 7 2014, 11:55 AM) just curious. if 10% cb for RM985 = RM98.5, it will round-up to RM99 or RM100? HLB counts and round up or round down each category. So if all 3 of your categories are rounded up (RM5 behind, eg RM105 rebate RM10.50=RM11), then you will get that extra 0.05% for each category, total up to 10.15%.It does not depend on your total amount spent but rather the total spent for each category. Regarding your question, it will be counted as RM98.50 = RM99  This post has been edited by kelvinlzy: May 7 2014, 12:09 PM |
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May 7 2014, 12:10 PM
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Senior Member
2,663 posts Joined: Feb 2008
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QUOTE(wengherng @ May 6 2014, 11:58 PM) That's weird, never heard of such a thing. It's true, that's what a combo card card package. That's the reason I didn't get the gsc when I checked for the annual fee. But I'm abit regret as if I get it that time I'll get a free Fan by now.Anyway, I only applied (and received) my WISE card, and I do not have the GSC card, so I do not think that they can say that these 2 cards are a "combo" or a "pair". If you can apply for just one card, then logically you should be able to cancel just one card, individually. The CS might be trying to pull a fast one on you, or maybe he isn't very clear about his product? |
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May 7 2014, 12:11 PM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(victorywp @ May 7 2014, 12:04 PM) he means rm335 (rm34 cb) + rm325 (rm33 cb) + rm325 (rm33 cb) 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 |
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May 7 2014, 12:13 PM
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Senior Member
2,663 posts Joined: Feb 2008
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QUOTE(cx2531 @ May 7 2014, 11:04 AM) hmm. i think 50x10 = 500, another 500 mayb few transaction will done. because >10 swipe right? Quite easy and only take you extra few mins to do so with uob payonline.just wondering rm50 x 10 times (tnb bills) will cause not convenient or not or miss transaction sometimes |
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May 7 2014, 01:23 PM
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Senior Member
1,188 posts Joined: Sep 2008
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QUOTE(kelvinlzy @ May 7 2014, 11:50 AM) 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 QUOTE(cybpsych @ May 7 2014, 12:11 PM) yeah, did a calculation using tbheng's info (3 categories) vs 1 category. Yeah, I can confirm the 10.15% CB. Got it once, total spent RM985.10, total CB RM100, effective rate 10.15%. 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  This post has been edited by tbheng: May 7 2014, 01:24 PM |
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May 7 2014, 01:44 PM
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Senior Member
568 posts Joined: Jun 2011
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QUOTE(onnying88 @ May 7 2014, 12:13 PM) Quite easy and only take you extra few mins to do so with uob payonline. with the www.payonline.com.my?any1 tried using online payment for tnb bills but end up tnb bills come and showing u didn't pay for it? if this situation always occur, quite troublesome |
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May 7 2014, 01:51 PM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(cx2531 @ May 7 2014, 01:44 PM) with the www.payonline.com.my? not just online payment, even over-the-counter payment will be missed out.any1 tried using online payment for tnb bills but end up tnb bills come and showing u didn't pay for it? if this situation always occur, quite troublesome that's why my dad dont allow me to pay TNB bills via online (mbb2card amex @ m2u) cuz he want to check the physical bill first before making next payment. many times he had to dispute the missing previous payment. now, he's checking/rechecking TNB bills each time. |
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May 7 2014, 01:58 PM
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Senior Member
568 posts Joined: Jun 2011
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QUOTE(cybpsych @ May 7 2014, 01:51 PM) not just online payment, even over-the-counter payment will be missed out. that's mean if pay online, once missed out will be very troublesome. need to call bank / tnb. that's why my dad dont allow me to pay TNB bills via online (mbb2card amex @ m2u) cuz he want to check the physical bill first before making next payment. many times he had to dispute the missing previous payment. now, he's checking/rechecking TNB bills each time.  |
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May 7 2014, 02:04 PM
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All Stars
65,302 posts Joined: Jan 2003
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QUOTE(cx2531 @ May 7 2014, 01:58 PM) that's mean if pay online, once missed out will be very troublesome. need to call bank / tnb. donno what's the frequency of this happening, but so far no complaints from the guys here |
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May 7 2014, 02:18 PM
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Senior Member
2,493 posts Joined: Mar 2014
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I have been paying my TNB bills since June last year. So far no problem at all. The only "missing" payment on my tnb bill is that I forgot to pay
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May 7 2014, 03:15 PM
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All Stars
11,741 posts Joined: Oct 2013 From: Her Heart
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missing payments never happened to me before as well. you have a receipt from paying using amex via m2u anyway. no worries...
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May 7 2014, 04:15 PM
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(beyond86 @ May 7 2014, 11:25 AM) if not heavy spender, 10x swipe with min RM50 can be a problems If you are not a heavy spender, WISE is not for you. MBB cards are more suitable. |
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May 7 2014, 04:37 PM
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Senior Member
1,956 posts Joined: May 2010
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use Amex to pay TNB since last year Nov
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