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

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victorywp
post Oct 27 2014, 10:30 AM

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QUOTE(mingyew @ Oct 27 2014, 10:22 AM)
Why i call SA and told me different thing geh?

They want to make me cant receive rebate?
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many hlb cs is unsure about this product themselves.
you may try to call again and the next hlb cs will tell you a different story. lol...
victorywp
post Oct 27 2014, 10:31 AM

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QUOTE(kopiPeng @ Oct 27 2014, 10:27 AM)
Okay. Noted  icon_rolleyes.gif

BTW.. where can I pay Electricity and Water bills online??

Let's say my electricity bill is RM240.

Can I separate 4 times (4 x RM60) to make payment??  hmm.gif
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yes, can and via uob payonline.
victorywp
post Oct 27 2014, 10:33 AM

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QUOTE(kopiPeng @ Oct 27 2014, 10:32 AM)
Is there any hidden/extra charges if i pay via UOB payonline?  hmm.gif
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no, it's free! rclxm9.gif
victorywp
post Oct 27 2014, 10:44 AM

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QUOTE(kopiPeng @ Oct 27 2014, 10:36 AM)
Awesome!! Cant believe there is free lunch on this world  laugh.gif

Arggh... hopefully my HL WISE application will get approved.. *finger crossed*

Any tips / ways to increase my CC application success rate?

I asked the banker, whether put some Fixed Deposit will helps. She said NO..  hmm.gif
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whatever "extra" income you have, can attach the prove to strengthen your income part. all the best. icon_rolleyes.gif
victorywp
post Oct 27 2014, 10:56 AM

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QUOTE(kopiPeng @ Oct 27 2014, 10:54 AM)
I'm doing online trading.. how to prove my "extra" income??  hmm.gif

Print my current account statement for them?? Please advise  notworthy.gif
Thanks for your tips bro!  icon_rolleyes.gif

But I haven't have any eFiling yet...
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yes, casa statement is a prove too. but need to get ctc copy from a branch to prove its validity.
victorywp
post Oct 28 2014, 06:51 PM

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QUOTE(sotong168 @ Oct 28 2014, 06:17 PM)
hi, may i know online shopping such as ebay, lelong, lazada & etc is fall on which category? tq
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supposed "online" category but some online sites did appeared as "grocery" category.
victorywp
post Oct 28 2014, 09:03 PM

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QUOTE(nescheez @ Oct 28 2014, 09:00 PM)
Confirm categorized as groceries (tested)
AEON supermarket @ Bukit Mertajam
PASARAYA WONDERFUL @ Bukit Mertajam
Also, see from previous post someone mention Tesco eShop categorized as groceries, anyone confirm it ?
And keep seeing you guys mention about Merchant category code, MCC. Where you guys got the code ? Mind to teach more ?
Thanks in advance  notworthy.gif  biggrin.gif
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just like you, we also based on trial and error...
victorywp
post Oct 28 2014, 11:26 PM

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QUOTE(sotong168 @ Oct 28 2014, 10:18 PM)
"online" falls under which category below?

» Click to show Spoiler - click again to hide... «

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none, because hlb wise doesn't offer online category.
other cc options for online = pbb vs, cimb cr platinum, uob vox...
victorywp
post Oct 31 2014, 02:28 PM

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QUOTE(Bahnhofstrasse @ Oct 31 2014, 02:10 PM)
Hi Sifu, if salary is RM6,500 per month, apply gold card, will HL automatically upgrade you to platinum card even if you ticked gold card?
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most of the time they will. so must keep telling them not to do so during submission. but, usually still will fail.
victorywp
post Oct 31 2014, 04:17 PM

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QUOTE(luminaryxi @ Oct 31 2014, 03:58 PM)
guys, if i apply for wise card, can i ask for the gsc card also? will i pay double annual fee?

thanks for any feedback
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annual fee for gsc card can be waived with 12 swipes in a year.
victorywp
post Oct 31 2014, 05:32 PM

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QUOTE(herc @ Oct 31 2014, 05:28 PM)
I have almost forgotten 1 of my wise card has the GSC combo, but I never activate it, no GST no annual fee shown too, anniversary month will be on Dec, wonder wat will happen erm .. just went redeem the free popcorn using the voucher tat's all..
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wow, still no gst charged after 10 months??? maybe you can update to us whether they charge the af on dec. but if you don't want to take the risk, it's better to cancel before the anniversary. nod.gif
victorywp
post Oct 31 2014, 05:36 PM

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QUOTE(luminaryxi @ Oct 31 2014, 04:55 PM)
thanks for ur reply, am sure i watch more than 12 movies a year biggrin.gif before i get it, whats the drawback  tongue.gif
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before you get it, i suggest you to read through this link: https://www.hlb.com.my/main/personal/cards/...-and-plat-cards
study the tables and understand how the discount works before you sign up blindly.
if you still like it, then only go for it. nod.gif
victorywp
post Oct 31 2014, 05:38 PM

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QUOTE(herc @ Oct 31 2014, 05:34 PM)
Did ask for cancellation since day 1 i (she) got the cards, CS says its combo card and unable to cancel, must cancel together with wise card  sad.gif
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i worry they will charge you both gst and af together by dec. perhaps you may want to swipe 12 times (rm1 x 12 at petrol station) within these coming 2 months. laugh.gif
victorywp
post Oct 31 2014, 05:54 PM

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QUOTE(Wongchoy @ Oct 31 2014, 05:44 PM)
Wait a minute...that wise + gsc combo. Isn't it 2 cards pay 1 GST ? It might have charged thru wise  card and 1st year GST got waived.
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yeah, maybe he had fulfilled the requirement(s) for the rm50 cash rebate (for gst) and first year af waiver. nod.gif
victorywp
post Nov 2 2014, 11:49 PM

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QUOTE(xuanchew @ Nov 2 2014, 10:39 PM)
Hi bro, if i go to Maxis and sign up for iPhone 6 plan, let's say RM2500, after that i use wise card to swipe for petrol 9xRM50.
am i entitled RM100 rebate?
is it any maximum cash rebate for each category?

thanks!
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no maximum for each category. as long as it total up to be rm100. so it can be 100-0-0, 50-50-0, 40-30-30, etc.
victorywp
post Nov 2 2014, 11:49 PM

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QUOTE(geekadoy @ Nov 2 2014, 11:45 PM)
How to pay TM and TNB since Hong Leong connect does not offer the features to pay bill with your CC?

Maxis I need to go Maxis web and pay RM50 x 7.

zzzz
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use uob payonline.
victorywp
post Nov 3 2014, 04:40 AM

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QUOTE(onlinepaycheck @ Nov 3 2014, 12:05 AM)
Yes, I use UOB payonline to get 10% cashback on my Maxis bills....  thumbup.gif Sometimes I even pay extra in advance if monthly quota RM100 cashback not used up
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actually you may use maxispay instead for maxis bill.
victorywp
post Nov 3 2014, 01:15 PM

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QUOTE(Wongchoy @ Nov 3 2014, 12:42 PM)
Most might not be aware but whenever the aquiring bank is also the card issuer, you will have trnx with same day posting. For those who are short of the 10x requirements at the end of the month, there are places you can use your cards to salvage your cashback. For grocery, go to The Store supermarket. For dining, go to Sushi King or Tai Thong. But remember ! Same day posting requires the merchant to do settlement by 11pm .
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is it confirm that the store nationwide is under supermarket mcc?
victorywp
post Nov 3 2014, 02:20 PM

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QUOTE(akh2920 @ Nov 3 2014, 02:16 PM)
So the 28th is regardless of statement date and the cap?

Btw, let's say if I use the card to pump petrol on 30th of the month, would hlb credit the resulting rebate to my next statement?
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if you pump on 30th oct and posted on 1st nov, then the cb will use up your nov cb and be credited on 28th dec.
victorywp
post Nov 7 2014, 03:53 PM

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QUOTE(verdangilte @ Nov 7 2014, 03:48 PM)
hey guys,just for quick question before i apply this card..

1) If i every month i pump my petrol roughly for 500 , how much i can get bak by the cash rebate ?

2) Maximum Capped 100 include for all ? petrol, mobile ?

3) how much for the Annual Charges ?
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1) 10% of rm500 (but you need to understand minimum 10x >rm50)
2) yes
3) rm160 for gold, rm300 for plat
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