Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Hong Leong Bank Wise Credit Card V4, 10% Cashback , Up to RM100 per month
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 Jan 20 2015, 05:23 PM
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All Stars
11,741 posts Joined: Oct 2013 From: Her Heart   
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QUOTE(47100 @ Jan 20 2015, 05:18 PM) do i have to pay separately for the combo card? or single combined (A+B) as seen in statement into one card for online payment? need to pay separately.   |
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Jan 20 2015, 08:02 PM
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Junior Member
122 posts Joined: Jul 2005 From: Kuching/Penang
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Here my story of the annual fee charge: my card anniversary is on Dec 14, I called CS in Nov 14 to have my platinum card converted to gold card and have my sub card cancelled. GST charged in Dec'14 and I received my new gold card end of Dec. On 1 Jan 15, annual fee of RM160 was charged and annual fee waiver of RM160 credited on the same day. Pure luck?
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Jan 20 2015, 08:15 PM
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All Stars
65,309 posts Joined: Jan 2003
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Jan 20 2015, 09:24 PM
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Junior Member
387 posts Joined: Jan 2003
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QUOTE(lykuan82 @ Jan 20 2015, 08:02 PM) Here my story of the annual fee charge: my card anniversary is on Dec 14, I called CS in Nov 14 to have my platinum card converted to gold card and have my sub card cancelled. GST charged in Dec'14 and I received my new gold card end of Dec. On 1 Jan 15, annual fee of RM160 was charged and annual fee waiver of RM160 credited on the same day. Pure luck? The GST start charge on the first day of new card. I think they considered yours is new card instead of downgrade. Mine is cancelled but I still have HSBC Amanah 5% as back up which originally I plan to cancel but they call back to offer me GST RM50 rebate. Now looking for other good cash rebate card. |
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Jan 22 2015, 02:58 PM
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Senior Member
6,373 posts Joined: May 2007
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no promotion for 1 card application only?
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Jan 24 2015, 01:25 AM
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Senior Member
2,323 posts Joined: Nov 2004 From: Smallville
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QUOTE(lykuan82 @ Jan 20 2015, 08:02 PM) Here my story of the annual fee charge: my card anniversary is on Dec 14, I called CS in Nov 14 to have my platinum card converted to gold card and have my sub card cancelled. GST charged in Dec'14 and I received my new gold card end of Dec. On 1 Jan 15, annual fee of RM160 was charged and annual fee waiver of RM160 credited on the same day. Pure luck? QUOTE(keni988 @ Jan 20 2015, 09:24 PM) ...I think they considered yours is new card instead of downgrade... just asking,your gold card number is diff or same with the previous plat card? if diff num, hlb treat ur gold card as a new card, and they do offer free annual fee for 1st year on new card. if the number of card is same, then yes, lucky you  This post has been edited by erry-: Jan 24 2015, 01:26 AM |
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Jan 24 2015, 09:35 AM
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Junior Member
53 posts Joined: Apr 2011
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i am able to downgrade to gold card with new card number
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Jan 24 2015, 12:12 PM
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Senior Member
932 posts Joined: Jan 2014 From: N02 E102
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QUOTE(nycdist @ Jan 24 2015, 09:35 AM) i am able to downgrade to gold card with new card number Hooray! They mistook your downgrade as a new application!  |
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Jan 24 2015, 06:07 PM
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Senior Member
3,281 posts Joined: Dec 2013
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QUOTE(Wongchoy @ Jan 24 2015, 12:12 PM) Hooray! They mistook your downgrade as a new application! Gold card and platinum card have different bin (the first 6 digit of card). So to change from plantinum card to gold card must change the card number |
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Jan 25 2015, 06:41 PM
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Junior Member
165 posts Joined: Nov 2006
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QUOTE(sendohz @ Jan 20 2015, 10:19 AM) I called CS and asked on the free gift tourister travel bag since i haven't got it yet, along with that i asked on annual fee waiver. Hi, what was their response on the tourister travel bag? My card approve it think in Sept. What about you?With much expectation the CS told that WISE card cannot be waived, not even with any conditions or requirements. So i guess RM160 + RM50 has to be charged. anyway as long as my spending can break even and earn more than this value, this card is still worth every cent of my spending even though i dilute quite a bit on the cash back % value. |
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Jan 25 2015, 10:19 PM
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Senior Member
6,373 posts Joined: May 2007
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i applied for wise card online, the officer send me an email, just want to clarify some things:
1) in order to get the luggage bag, i need to apply 2 cards, but only need to pay 1 gst? and they will refund rm50, so consider free lo? 2) hlb gsc card doesn't need to pay annual fee, so when gst kicks in, no need pay anything lo? This post has been edited by fkinmeng: Jan 25 2015, 10:19 PM |
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Jan 26 2015, 08:20 AM
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Senior Member
1,361 posts Joined: May 2006
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QUOTE(blackankh @ Jan 25 2015, 06:41 PM) Hi, what was their response on the tourister travel bag? My card approve it think in Sept. What about you? CS told me they are sending by batch so i will get it most probably within this end of month.I asked them to verify again is it recorded in the system, and the CS replies yes. However i'm skeptical over her reply. Well i will just pray for the best. If it doesn't arrive, i shall cancel the supp card then. |
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Jan 26 2015, 10:20 AM
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Senior Member
4,928 posts Joined: Feb 2008 From: /K/opitiam Pak Hang Status: Permaban 
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Jan 26 2015, 11:27 PM
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Senior Member
617 posts Joined: Mar 2005 From: Mars
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QUOTE(sendohz @ Jan 26 2015, 08:20 AM) CS told me they are sending by batch so i will get it most probably within this end of month. Called about the same bag many many times. I asked them to verify again is it recorded in the system, and the CS replies yes. However i'm skeptical over her reply. Well i will just pray for the best. If it doesn't arrive, i shall cancel the supp card then. Finally got it last week but the bag is a real disappointment. Looks lousier than Petaling Street stuff. |
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Jan 27 2015, 08:50 AM
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Junior Member
323 posts Joined: Jul 2005 From: Subang Jaya
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Just to double confirm do all transactions made in HLB WISE Sup Card are combined with principal card?
Which mean to fulfill the requirement for 10% cash bacl on 10 minimum RM50 transaction per month, I can perform 5 transactions using my sup card and 5 transaction using my principal card? And All 10 transactions doesn't need to be within the selected cash back categories? |
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Jan 27 2015, 09:03 AM
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All Stars
65,309 posts Joined: Jan 2003
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QUOTE(XCloudz @ Jan 27 2015, 08:50 AM) Just to double confirm do all transactions made in HLB WISE Sup Card are combined with principal card? Yes and YesWhich mean to fulfill the requirement for 10% cash bacl on 10 minimum RM50 transaction per month, I can perform 5 transactions using my sup card and 5 transaction using my principal card? And All 10 transactions doesn't need to be within the selected cash back categories? |
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Jan 27 2015, 09:12 AM
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Junior Member
323 posts Joined: Jul 2005 From: Subang Jaya
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QUOTE(cybpsych @ Jan 27 2015, 09:03 AM) Yes and Yes Thank for the clarification.I should have went to sushi king during the last day of December 2014 whereby i need 1 more transaction to fulfill the min 10 transaction per month. Instead I went to The Store Taman Kok Lian, KL because I heard it was using HLB terminal but at the cashier it seem to be a MBB terminal. And end up it was posted 2 days later and it doesn't fall under groceries category. Aih... |
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Jan 27 2015, 09:20 AM
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All Stars
65,309 posts Joined: Jan 2003
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QUOTE(XCloudz @ Jan 27 2015, 09:12 AM) Thank for the clarification. yeah, try to fulfill the 10x transaction a week earlier or latest 2-3 days earlier. i monitor all my usual merchants so that i know how long it takes for them to post the transaction, then roughly i know when is my "deadline" I should have went to sushi king during the last day of December 2014 whereby i need 1 more transaction to fulfill the min 10 transaction per month. Instead I went to The Store Taman Kok Lian, KL because I heard it was using HLB terminal but at the cashier it seem to be a MBB terminal. And end up it was posted 2 days later and it doesn't fall under groceries category. Aih...  if new merchant, i avoid swiping them last minute. |
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Jan 27 2015, 10:36 AM
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All Stars
11,741 posts Joined: Oct 2013 From: Her Heart
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QUOTE(XCloudz @ Jan 27 2015, 09:12 AM) Thank for the clarification. so you missed the whole cb for the month? I should have went to sushi king during the last day of December 2014 whereby i need 1 more transaction to fulfill the min 10 transaction per month. Instead I went to The Store Taman Kok Lian, KL because I heard it was using HLB terminal but at the cashier it seem to be a MBB terminal. And end up it was posted 2 days later and it doesn't fall under groceries category. Aih...   just to check whether you swiped at the store supermarket section or clothing, etc? |
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Jan 27 2015, 12:13 PM
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(XCloudz @ Jan 27 2015, 09:12 AM) Thank for the clarification. Nope, even you did the transaction on 31st, 30th or 28th,29th(Feb), you may still lose the requirement of minimum 10 transaction.I should have went to sushi king during the last day of December 2014 whereby i need 1 more transaction to fulfill the min 10 transaction per month. Instead I went to The Store Taman Kok Lian, KL because I heard it was using HLB terminal but at the cashier it seem to be a MBB terminal. And end up it was posted 2 days later and it doesn't fall under groceries category. Aih... |
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