Hong Leong Bank Wise Credit Card V1 | V2 | V3 | V4



PROS
- Get 10% reward, every day (10% cash back on your spending in the selected categories of your choice. )
- Up to RM100 in cash back every month based on your selected cash back categories as below

10 Categories [Merchants / Merchant Category Code(MCC)]
1. *Mobile [Maxis, Celcom, Digi, U Mobile and YES]
2. Pharmacies [Guardian, Watsons, Caring and Eu Yan Sang outlets]
3. Groceries [All grocery stores eg: Giant, Tesco, AEON BiG (MCC 5411)]
4. Petrol [Automated fuel dispensers at all petrol stations (MCC 5542)]
5. Dining [All dining outlets (MCC 5811, 5812, 5814)]
6. Departmental [Parkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA and Sogo outlets]
7. Book Stores [MPH, Popular, Borders, Kinokuniya, Times, Smart and BookXcess stores]
8. Utilities [Electricity and Water (MCC 4900)]
9. Entertainment A[ll cinemas (MCC 7832), Ticket Charge, Ticketpro, Red Box and Neway]
10. Travel [All airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour packages (MCC 4722, 4723)]
* Bonus Category

>> MCC Code Full List [.pdf] <<

CONS
- 10% Cashback only applicable to 2 selected categories + Mobile (by default)
- Min. RM50 spending per transaction, OCBC / MBB2 Amex at least we can get rebate at any amount spent
- With Annual Fee, not sure can waive or not --> wild_card_my confirmed with CS: No waiver
- No reward points given
- RM10 switching/maintenance fee if you want to change category

FAQs - Link
1. How many cash back categories can I choose to enjoy for the 10% cash back?
You can select a maximum of two categories, in addition to one default bonus category (at current, the default bonus category is ‘Mobile') offered by the Bank to enjoy the 10% cash back.

2. When can I make my selection of cash back categories? Are there any cost/ fee incurred for the selection?
Selection of cash back categories is available in the card application form. All new enrolments at the point of application will be free of charge and will take effect upon card approval.

3. How do I earn the 10% cash back?
Just swipe a minimum of any 10 retail transactions monthly (minimum of RM50 per transaction) to activate the 10% cash back on your selected cash back categories.

4. Is there any capping on the cash back amount?
The cash back is capped at a maximum of RM100 per month.

5. Can I switch the selected spend categories after enrolment?
Yes, you may switch the cash back categories any time, throughout their card tenure, to suit your lifestyle and to maximize the cash back reward earned. For each switch of cash back category, a one-time maintenance service fee of RM10 will be charged at the point of maintenance and it will be effective on the following calendar month. Bonus category is NOT applicable to switch, except if amended at any time by the Bank.

6. How do I confirm if the switch has been made?
You will receive an SMS blast upon maintenance is conducted. < Eg. RM0.00 HLB - Your HLBB card ending 2525 has been debited with MYR10.60 (comprises of maintenance service fee=RM10, 6% of GST=RM0.60) for account maintenance. The new selected category – TRAVEL will be effective from JAN13>

7. Where do I make the switch?
You may switch categories via:
- Hong Leong Contact Centre at 03-7626 889
- Download the category maintenance form (.PDF)
- Walk-in to any Hong Leong Bank branches

8. Is Supplementary Card' retail transactions accumulated into the total number of swipes to meet requirement of 10 retail swipes per month and are those transactions eligible for 10% cash back also?
Yes, all posted retail transactions on supplementary card will be taken into account as per principal card. However, cash back earned will be credited into the principal Cardholder account only.

9. When will the cash back be credited into Principal Cardholder's account?
The cash back will be calculated at the end of each calendar month and will be credited to the principal Cardholder's account on the 28th of the following month. Cardholder will see this reflected in their statement then.
Eg.
May-2013 transactions will get the 10% rebate on 28-June-2013
June-2013 transactions will get the 10% rebate on 28-July-2013
July-2013 transactions will get the 10% rebate on 28-Aug-2013

10. Are there Reward Points earnings on the Wise Credit Card?
There are no reward points for the Wise Credit Card.

11. Does the Wise Credit Card offer automatic insurance plans?
The Wise Credit Card does not offer free insurance plans.

12. Do I enjoy any cash back on other spend outside of enrolled cash back categories?
No, you are eligible for the 10% cash back on retail transactions based on your selected cash back category.

13. How will I know which merchants are eligible for cash back in a particular category?
An extensive range of merchants who are eligible for cash back are listed here and it will be updated periodically. Do note that cash back will be awarded based on merchant's corresponding Merchant Category Code (MCC) being assigned on each categories. The assignment of merchant category for each merchant is subject to classification by respective acquiring banks.

14. Do I earn cash back for overseas transactions in my selected cash back categories?
Yes, as long as the transactions are for merchants whose MCC corresponds with Cardholder's enrolled cash back categories. Eg. You spend USD100 in a restaurant in Los Angeles, and one of the cash back categories is Dining. Hence, you'll get 10% cash back in that category in local currency after conversion at prevailing exchange rate minus any administrative fees.

15. Which retail transactions are eligible for the minimum 10 swipes?
Eligible retail transactions include local and international retail and online purchases, recurring payments, insurance premiums, 0% Interest Easy Payment Plan (one time principal amount only) and Easy Payment Installment Plan (one time principal amount only); EXCLUDING, cash advance, balance transfer, Cash-on-Call, Call-for- Cash, Flexi-Payment Plan, fund transfer, fees and charges imposed by the Bank.

16. Can I apply for Wise card if I am currently holding another Hong Leong Bank credit card?
Yes, you may.

17. Are the retail transactions in a calendar month are counted based on posting date or transaction date?
Retail transactions in a calendar month are counted based on transaction posting date. Cash-Back is awarded based on the total posted Ringgit amount of eligible retail purchases charged to the Wise Card.

18. Are both Aeon Big and Aeon's supermarket are classified as Groceries Category to enjoy 10% cash back?
For Aeon, only Aeon Big is classified as Groceries Category to enjoy 10% cash back. All other supermarkets in Aeon's outlets are NOT classified as Groceries Category to eligible for cash back. The assignment of merchant category for each merchant is subject to classification by the respective acquiring banks.

19. If I were enrolled for Petrol category, can I enjoy the petrol cash back at any petrol stations? And, are both card transaction at petrol pump/ automated fuel dispenser and cashier counter eligible for petrol cash back?
Yes, you may enjoy petrol cash back for card transaction at automated fuel dispensers, applicable to any petrol stations. But, card transaction at petrol station's cashier counter will not be eligible for petrol cash back as the swipes at counter may include miscellaneous purchases, eg. food, drinks, etc.

Note The cash back will be calculated at the end of each calendar month. The cumulated cash back shall be credited monthly to the Principal Cardholder's account on the following calendar month and subject to maximum cash back of RM100 per month. 10% cash back is subject to a minimum of 10 retail transactions monthly (with a minimum of RM50 per transaction) in anything during the calendar month. For each switch of cash back category, a one-time maintenance service fee of RM10 will be charged at the point of maintenance. New category enrolment will be effective on the following calendar month. The Bonus Category of Mobile is not applicable to change.

Fees & Charges


Download SMS Transaction Alert Maintenance Form (pdf)

Official Site
Terms & Conditions
Hong Leong Bank targets 100,000 "Wise Credit Card" holders - The Star

Promo Ad


* Special thanks to gauthjasmon_1 *

This post has been edited by ronnie: Apr 8 2015, 09:21 AM

Frequently Asked WISE Questions

1. You can view the Cash Rebate on the next day after it's posted on 28th of each month, via HLB Online Banking portal

2. All transactions posted in the SAME calendar month will be used to calculate the 10% Cash Back

3. Cash back given is based on round-up to the nearest RM
eg.
Total Spend : RM545
10% Cash Back : RM54.50
HLB gives Cash Back amount : RM55.00

4. Maximum achieveable nett cashback >10% (due to the round-up mechanism used by HLB)

5. Your chosen category will be shown per transactions in the CC Paper Statement (by mail)

6. Apply for GOLD card instead of PLATINUM to save on annual fee (RM160 vs RM300). Both types come with same benefits

7. Confirmed AEON Supermarket categorised as Groceries: Permas Jaya / Midvalley / Kinta City / Station 18 / Sunway Pyramid / IOI Mall

8. Paying TNB and SYABAS bills via UOB PayOnline is listed under Utilities category

Reporting in perhaps a new section to list all HLB card promotions?

Staying in touch here in V4

report in!!!

v4 wow wow...

Thank you abang ronnie so efficient =p

yes, supp card's bill is paid by main card holder.

what's your question in the first place? you want to apply under someone's name, which means you want to apply as a supp card holder under a main card holder, that's your question, no?

if yes, of course the main card holder need to present.

I think he want to use someone else's name (let's say his brother) as supp card under him.

No i mean, lets say i plan to apply supp card using sibling's name, while me myself is the main card holder... So my siblings need to be present? Or me as main card holder can gao dim all?

You only need their MyKad photocopy

Thats all? no need to sign or ori copy of ic?

I applied 2 supp card for my gf and my mom, just bring back the supp card form and let them sign and get their IC copy. No others doc requried or need them to present when pass back the form.

Card should be approved after 2 weeks i've submit the application as i saw extra 2 card number in my HLB online few days ago. But still no calling or still not receive the card yet until today.

This post has been edited by onnying88: Oct 3 2014, 04:03 PM

means you want to apply "using" someone's name, not "under" someone's name. if that's the case, the person doesn't need to be there.

Okok thanks a lot!!

what is the promotion for new main card now?

Gst/ AF waived for first year. Btw, what do u expect?

sure expect for free gift lor. what else?

GST / AF or GST & AF?
Looking forward to get this card, which centre can get the card on the spot?

HLB does not issue cards on the spot, just yet. Have to go through normal processing

sorry if this question have been asked many time before, but am still confused

my statement date is 18th and payment due 8th the following month
so transaction calculated for cash back is from 18th to 17th or 1st to 30th of the month?

and at HLBconnet, cant i get the exact same statement mailed to my house? the on9 statement is like transaction history only

Change the statement date to end of the month.

transaction calculated for cb is follow posting date in a calendar month.

Sorry if I am asking at the wrong place

I just apply for combo card (wise+gsc card)

why the annual fees for my gsc is not waived automatically but My wise af is waived automatically.

Any criteria to meet to waive the af for gsc card?

HLB tarak online statement. So, don't worry, you will get the hard copy statement mailed to your house.

minimum swipe 12 times per year.

any minimun amount for this 12 swipe?

Nope. Just swipe any amount will do.

Hi guys. I'm about to apply Wise Gold card too. If got Wise + Essential combo that will be great, but no option for that i might as well apply Wise + GSC Gold.

Does Tesco eShop Home Delivery is considered as Groceries ? Because the driver will swipe using a handheld credit card terminal, so has anyone experience using Wise card with Tesco online delivery. Thanks !

if not mistaken, yes. even if you pay via tesco online also considered as grocery.

Pay insurance(non recurring) able to get 10% discount?

Let say I swipe RM50 x 10 times?

you mean pay over the counter or online? but as i know, one cannot pay lesser than the insurance amount, it won't go through...

pay at counter.

my is ILP type

1 year 8k premium.

so i will swipe RM50 x 10 times per month.

able to get 10% via wise card?

but i dont see the insurance category under wise card

From the selection list of category offered by HLB there is no insurance option. Therefore, there is no rebate for insurance trnx.

no cash rebate but it does contribute to the 10 transactions count.

if the credit card receipt show DEPT, it's departmental
if the receipt show SMKT, it's grocery.

hi, this card needs us to swipe 10 times (under wise list) with minimum RM50 per swipe? in order to eligible to 10% CB?

or, you need to do minimum 10 transaction (anything - doesn't matter) and transaction under wise list above RM50 will get 10% CB, transaction under wise list but below RM50 will not get 10% CB?


Not so clear, please help me clear TQ.

Just make sure you have RM50 x10 transaction in a calendar month,
then u will eligible for the 10% CB for all the transaction (any amount)
provided all the transaction fall in the CB category u choose..

TQ. So let say i got a Maxis bill RM200, it is best for me to do 4 time online payment to maximize to RM50 x10 transaction in a calendar month.

Is it the correct way?

yess..

you need to do minimum 10 transactions rm50 or above, to be posted in a calendar month (any category - including non-chosen categories). the transactions under your 2 chosen categories (any amount - including <rm50) will get 10% cb, while all transactions not under your chosen categories will not get 10% cb.

This post has been edited by victorywp: Oct 7 2014, 11:51 AM

1.) If I had met the 10x RM50 transaction, does further transaction less than RM50 transactions (frm chosen categories) entitled to get the 10% cashback?
2.) Can I use other non-choosen categories to meet the 10x swipe for 10% cashback on choose categories?

1.) yes
2.) yes

edited my post as below, should be very clear liao gua?

Thanks, both...

I wan apply, any promotion gift at roadshow?

aiyaaa...i prefer if available online, even maybank and cimb have it..faster ma than snail mail to home.

well, you still can view the transactions online and the cash rebates, etc. just not a proper e-statement for cc. HLB is way behind the likes of mbb, cimb, pbb.

Hi,

Need some clarification.
I want to pay TNB Bill using payonline.com provided by UOB Online.
It requested for "Bill No" which i can't find in the TNB Bill slip, how to pay?

TNB bill should have bill number, is on the top side.

Mine only have No Akaun, No Kontrak.
Try check with your TNB Bill header?

Mine same. I just put the bill number, even though I know that one isn't correct. So far a few months paid no problem.

Which one you refer as the bill number? No Akaun or No Kontrak?

just call the CS to change or need to fillup form?

No Akaun is account number and No Kontrak is the other one I guess.

Look at the number below bar code at the bottom of your bill.

The starting number will be your no account then follow by bil no follow by few 000 then your current month bill amount.

(no account)(bill no)(few 0)(current bil charge)

This post has been edited by onnying88: Oct 8 2014, 11:30 PM

You can compare your older TNB bill format (with No. Bil) to get the idea which is the Bill Number

Just put kontrak #, I had tried couple of TNB bills for several months no issue. The most important is the account # must be correct

This post has been edited by saitong09: Oct 8 2014, 11:50 PM

Thanks everyone for helping me out

First of all, have to say sorry to you guys, I've been 6 months never check my bill as I registered TNB's online service, so each month I can know the bill number.

call cs will do...

Hi guys, need advice here. I went to HLB service counter ask for the platinum downgrade to gold card. They said have RM50 charges for the downgrade wor... Is that true? If it's true I think better to cancel existing card & re-apply.

if u re-apply the new card, you still have to pay RM50 GST right?

cancel and re-apply need to wait for 6 months 'cold' down period too.

I'm currently having cards from 6 banks.

Can wise card GST RM50 be absorbed annually?

anyone can confirm, digi reload through digi website fall under mobile category?
payment through mobile88.com

Yes, under mobile.

Nope, we have to pay GST for Wise.

just wondering, which one of your current cards from 6 banks that absorb GST annually?

HSBC waive my GST without any T&C...
I swiped less than <1k past 1 year on my HSBC card...

Only Citibank absorb for me unconditionally. I never pay them since the implementation of GST.

I remember i read something like if my transaction date is on 30th September and the posting date is on 1st October, the cash rebate will credited under month of September or month of October?

I believe it is under month of October?

Another thing is the swipe will be under month of September right?

Source: HLB | T&Cs

Regardless of when you swipe the card, as along as the posting date is in October, it will be under October Cash Back quota of RM100 and to be credited on 28th Nov.

hlb wise is all about "posting date".

I am holding the supp card of WISE. If principal cancels, do I have to wait 6 months before reapply?

no need, it affects principal only. you can apply if you are qualified.

hi does tm bill payment categorized as utilities? thanks.

Utilities is for water and electricity only (MCC 4900)

sorry to say, it's not...

just using 6 mths now chip error... hate it...

This post has been edited by cindelala^^: Oct 12 2014, 02:17 PM

if my statement date is 9th of every monthly, can i know when i get my cash back amount?

thank you.

post #1, FAQ #9

no matter what's your statement date, it's on the 28th of the following month.

The hong leong gsc card good? Recently receive the email to take the combo. Wise plus gsc credit card. Will the gsc credit card need to pay AF or GST?

Depend you are regular GSC customer or not. For me nothing special as all VISA card got buy 1 free 1 on every Friday, HSBC buy 1 free 1 on Sunday.

GST must pay while AF waived with 12 swipe for HLB GSC card.

May I know any T&C for "all VISA card got buy 1 free 1 on every Friday" ? Got any website link to refer? Thank you.

Enjoy 1-for-1 movie ticket when you purchase movie ticket via GSC's website

Redemption Period: 15 Aug 2014 - 14 Nov 2014
Card Types: Visa Classic, Visa Infinite, Visa Platinum, Visa Signature, Visa Gold
Payment Types: Debit, Credit

http://www.visa.com.my/personal/offers/featured.shtml

This post has been edited by victorywp: Oct 13 2014, 02:38 PM

Thanks.

Even the amount of swipe is depending on posting date?

yes

Thanks to all sifu here

So basically if apply the combo card have to pay twice gst

This post has been edited by towsuan: Oct 14 2014, 10:19 AM