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Credit Cards Hong Leong Bank Wise Credit Card V4, 10% Cashback , Up to RM100 per month

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TSronnie
post Feb 3 2015, 05:05 PM

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QUOTE(sam240 @ Feb 3 2015, 03:00 PM)
How can I know the merchant that I swiped consider under 10% list?
I'm asking AEON in ground floor at Queensbay mall, any idea?
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Please check the CC slip you receive... does it have DEPT or SMKT written on it ?
SUSsupersound
post Feb 3 2015, 05:34 PM

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QUOTE(hkboey @ Feb 3 2015, 06:00 AM)
Shoooooot!! I think I missed the January's rebate! Just checked HLB online and found that my transactions are not posted! Anyone use PayOnline on or after 27th Jan? Any problem?

These are the transactions I have done:
27th Jan : Made 3 transactions via MaxisPay Online using Wise card > Received confirmation email on 27th > All 3 transactions posted on 27th.
27th Jan : Made 5 TNB transactions via UOB PayOnline using Wise card > Received confirmation email on 27th > NONE transactions posted til today.
27th Jan : Made 1 HLB Life Insurance via UOB PayOnline using RHB VS card > Received confirmation email on 28th > NONE transactions posted til today.
27th Jan : Made another 5 TNB transactions via UOB PayOnline using Wise card > Received confirmation email on 28th > NONE transactions posted til today.

All transactions are done between 5:30am to 8:00am.

My all previous transactions never faced this issue. Referring to the 3rd and 4th items, also wonder why I only receive the confirmation one day later while 1st and 2nd received on the same day. Notice the inconsistency there.

And the worst part is I missed the rebate as a whole!  flex.gif  vmad.gif  mad.gif

UPDATE: Just checked TNB online and found that all the payments are not updated on TNB website, so I supposed the transactions never gone through. But how come I received the Approved email from PayOnline. Dang....... rclxub.gif
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Do you know that out of a month, the last 1 week HLB has the most technical issues?
For me, to avoid this problem, I always complete the quota by 3rd week of the month.
99etaber
post Feb 3 2015, 05:35 PM

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QUOTE(victorywp @ Feb 3 2015, 03:44 PM)
both cb and calculation of 10x >rm50 will be in feb.

so did you managed to achieve 10x >rm50 in jan?
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yeah rclxms.gif thanks
sam240
post Feb 3 2015, 07:43 PM

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QUOTE(ronnie @ Feb 3 2015, 05:05 PM)
Please check the CC slip you receive... does it have DEPT or SMKT written on it ?
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It show "Queensbay SMKT".

QUOTE(hkboey @ Feb 3 2015, 03:31 PM)
If u r talking about AEON at QB basement then confirm it's Grocery but if ground floor then should be Department.
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Yeah, the basement level (LM floor). OK, thanks.

How about Sunshine Square (Bayan Baru)?

Sorry to ask this, really confuse how to check whether is department or grocery.

This post has been edited by sam240: Feb 3 2015, 07:49 PM
sam240
post Feb 3 2015, 07:58 PM

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Guys,
I read and found someone talk about "payonline" and "Hotlink".
Can I pay for certain bill and topup for Hotlink (Maxis prepaid users)?

If yes, for Hotlink top up, then I can get 10% cash rebate with my WISE card?
SUSsupersound
post Feb 3 2015, 08:10 PM

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QUOTE(sam240 @ Feb 3 2015, 07:58 PM)
Guys,
I read and found someone talk about "payonline" and "Hotlink".
Can I pay for certain bill and topup for Hotlink (Maxis prepaid users)?

If yes, for Hotlink top up, then I can get 10% cash rebate with my WISE card?
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Yes, you can by using Maxis Pay.
Still, you need to full fill the rm50 X10 requirement first then only you can get cash back.
Like you need to do rm50 X10 on other categories you selected and top up rm10 to your Hotlink which giving you 8.25% cash back.
hkboey
post Feb 3 2015, 08:18 PM

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QUOTE(ronnie @ Feb 3 2015, 05:03 PM)
word of advice : Try to perform this online transactions earlier  icon_rolleyes.gif
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My TNB billing date is 25th/26th so i can't pay any earlier. Another alternative is to pay later in the following month.

QUOTE(supersound @ Feb 3 2015, 05:34 PM)
Do you know that out of a month, the last 1 week HLB has the most technical issues?
For me, to avoid this problem, I always complete the quota by 3rd week of the month.
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No I don't agree. For many months I never have any issues with HLB for transactions on the last week of the month. If u read my case properly, u would notice it's most likely PayOnline screwed up the transactions. If it was HLB problem, then why RHB transaction also never captured?
hkboey
post Feb 3 2015, 08:20 PM

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QUOTE(sam240 @ Feb 3 2015, 07:43 PM)
It show "Queensbay SMKT".

Yeah, the basement level (LM floor). OK, thanks.

How about Sunshine Square (Bayan Baru)?

Sorry to ask this, really confuse how to check whether is department or grocery.
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Sunshine I never try. Maybe u can make a small purchase, then call up CS to find out.
sam240
post Feb 3 2015, 08:20 PM

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QUOTE(supersound @ Feb 3 2015, 08:10 PM)
Yes, you can by using Maxis Pay.
Still, you need to full fill the rm50 X10 requirement first then only you can get cash back.
Like you need to do rm50 X10 on other categories you selected and top up rm10 to your Hotlink which giving you 8.25% cash back.
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Yeah, of course must full till the RM50x10.
So Hotlink is 8.25% cash back, that's good.
But, how to apply/access the payonline?

SUSsupersound
post Feb 3 2015, 08:57 PM

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QUOTE(hkboey @ Feb 3 2015, 08:18 PM)
My TNB billing date is 25th/26th so i can't pay any earlier. Another alternative is to pay later in the following month.
No I don't agree. For many months I never have any issues with HLB for transactions on the last week of the month. If u read my case properly, u would notice it's most likely PayOnline screwed up the transactions. If it was HLB problem, then why RHB transaction also never captured?
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Billing date comes late is not a problem as you can do the calculation manually. You can do advance payment which gives you more control on getting the max cash back.
Also, Payonline will have problem on the end of month, either RHB or HLB is the culprit.

QUOTE(sam240 @ Feb 3 2015, 08:20 PM)
Yeah, of course must full till the RM50x10.
So Hotlink is 8.25% cash back, that's good.
But, how to apply/access the payonline?
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Nope, the actual cash back for all are only 8.25%, that is with your cash back are getting rm100 each month. GST and AF you need to include in and the hanky panky they are palying with us like refusing cash back if they can. I just lost rm5 for last month.
You need to open a Maxis Pay account, much more easier on paying maxis bills/Hotlink top up.
hkboey
post Feb 3 2015, 09:09 PM

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QUOTE(supersound @ Feb 3 2015, 08:57 PM)
Billing date comes late is not a problem as you can do the calculation manually. You can do advance payment which gives you more control on getting the max cash back.
Also, Payonline will have problem on the end of month, either RHB or HLB is the culprit.
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You can never manually calculate to get the exact amount. You never know when TNB come to check meter.
SUSsupersound
post Feb 3 2015, 09:11 PM

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QUOTE(hkboey @ Feb 3 2015, 09:09 PM)
You can never manually calculate to get the exact amount. You never know when TNB come to check meter.
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Always take the monthly average and pay extra thumbup.gif
My TNB until today always rm-20. This -rm20 will be used to offset the additional power used.
sam240
post Feb 3 2015, 09:36 PM

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QUOTE(supersound @ Feb 3 2015, 08:57 PM)
Billing date comes late is not a problem as you can do the calculation manually. You can do advance payment which gives you more control on getting the max cash back.
Also, Payonline will have problem on the end of month, either RHB or HLB is the culprit.
Nope, the actual cash back for all are only 8.25%, that is with your cash back are getting rm100 each month. GST and AF you need to include in and the hanky panky they are palying with us like refusing cash back if they can. I just lost rm5 for last month.
You need to open a Maxis Pay account, much more easier on paying maxis bills/Hotlink top up.
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oh, so for example:

Jan:
RM100 x 10 = RM1000 (get 8.25%)
RM1000 - RM82.50 = RM917.50
I pay for RM917.50?

Sorry, Maxis Pay is .... register until HLB website? Maxis website? Maxis office?
SUSsupersound
post Feb 3 2015, 09:43 PM

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QUOTE(sam240 @ Feb 3 2015, 09:36 PM)
oh, so for example:

Jan:
RM100 x 10 = RM1000 (get 8.25%)
RM1000 - RM82.50 = RM917.50
I pay for RM917.50?

Sorry, Maxis Pay is .... register until HLB website? Maxis website? Maxis office?
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https://pay.maxis.com.my/maxis-web-adapter/welcome.web
Nope, you will still getting rm100 when you spend rm950-1000. The AF and GST will be charged annually.
So you need to pay only rm900 all the time, unless you spend lesser or extra.
victorywp
post Feb 3 2015, 09:51 PM

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QUOTE(supersound @ Feb 3 2015, 09:43 PM)
https://pay.maxis.com.my/maxis-web-adapter/welcome.web
Nope, you will still getting rm100 when you spend rm950-1000. The AF and GST will be charged annually.
So you need to pay only rm900 all the time, unless you spend lesser or extra.
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this is the reason why you shouldn't always say 8.25% cb. you are just making simple things become more complicated and confusing new users.

you must remember:
1) not everyone is using hlb gold with rm160 af (so 8.25% is not a standard for all)
2) af only start charging from 2nd year onwards (so those who only use for 1 year will not face this issue)
hkboey
post Feb 3 2015, 09:52 PM

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QUOTE(supersound @ Feb 3 2015, 09:11 PM)
Always take the monthly average and pay extra thumbup.gif
My TNB until today always rm-20. This -rm20 will be used to offset the additional power used.
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That is because your consumption is on average +-rm20 every month but mine can be as low as rm500 or as high rm3200. So ur assumption is not a smart move in mine.

And I see u always highlight 8.25% "actual" cash back which is not actual at all. Please don't confuse anymore new user as you have just confused one.
#1 not every is using gold.
#2 not everyone will use more than one year. If use one year or less then cancel, cashback is still 10% or may be even more.
Tigerr
post Feb 3 2015, 09:54 PM

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QUOTE(hkboey @ Feb 3 2015, 09:09 PM)
You can never manually calculate to get the exact amount. You never know when TNB come to check meter.
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TNB come late also never mind mah. U can always go ahead n pay first. If u spent 850 already n nearing the cut off date. U can go and pay TNB 150 whether u receive bill or not. Like that u ll ngam ngam 1000. Then save the card for next billing cycle lor.

TNB bill can delay by 1 month pay also no problem mah. If can, go pay in advance the phone bill to make it up to 1000. Or got spare money, u can go supermarket buy something n stock up.

Myself more easy to make the 1000 threshold because I got to buy milk powder n pampers. The wise card sure not enough n need few more other cards to maximize the rebates I can get.
Tigerr
post Feb 3 2015, 09:58 PM

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QUOTE(hkboey @ Feb 3 2015, 09:52 PM)
That is because your consumption is on average +-rm20 every month but mine can be as low as rm500 or as high rm3200. So ur assumption is not a smart move in mine.

And I see u always highlight 8.25% "actual" cash back which is not actual at all. Please don't confuse anymore new user as you have just confused one.
#1 not every is using gold.
#2 not everyone will use more than one year. If use one year or less then cancel, cashback is still 10% or may be even more.
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Yup. U r right. But I still don't understand what's the need to have a platinum wise. Myself the first few months, although spend more than 1000 but rebates always less than 100. Took me 3 months to find out pump petrol n pay at counter not counted. Buy items at aeon department store is not counted as groceries.
SUSsupersound
post Feb 3 2015, 10:00 PM

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QUOTE(hkboey @ Feb 3 2015, 09:52 PM)
That is because your consumption is on average +-rm20 every month but mine can be as low as rm500 or as high rm3200. So ur assumption is not a smart move in mine.

And I see u always highlight 8.25% "actual" cash back which is not actual at all. Please don't confuse anymore new user as you have just confused one.
#1 not every is using gold.
#2 not everyone will use more than one year. If use one year or less then cancel, cashback is still 10% or may be even more.
*
By reading your reply, you are telling me that your meter you can't read it, only the TNB meter reader can read it with their "special" gadget whistling.gif
Again, if your bill is at rm3200, is better to use other cash back or points card to pay the balance rm2200. But, yup, almost forgot, you can't take the meter reading your self doh.gif
Indeed you are right, as some people prefer to hold platinum card rather than gold card, just to show off. My calculation is based on cheapskate's gold card and being charged rm210 from 2nd year onward.

victorywp
post Feb 3 2015, 10:01 PM

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QUOTE(sam240 @ Feb 3 2015, 09:36 PM)
oh, so for example:

Jan:
RM100 x 10 = RM1000 (get 8.25%)
RM1000 - RM82.50 = RM917.50
I pay for RM917.50?

Sorry, Maxis Pay is .... register until HLB website? Maxis website? Maxis office?
*
what he actually meant was:
1) assume you get rm100 cb every month = rm100 x 12 = rm1200
2) assume you are using hlb gold with rm160 af and rm50 gst for more than 1 year
3) rm1200 - rm160 - rm50 = rm990 cb
4) so your actual cb will not be rm1200 (10%) but rm990 (8.25%)

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