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> Hong Leong Bank Wise Credit Card V5, 10% Cashback , Up to RM100 per month (Credit Cards)

ronnie
post May 27 2015, 09:41 AM, updated 4y ago

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Hong Leong Bank Wise Credit Card V1 | V2 | V3 | V4 | V5

user posted image

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. 10 times RM50 spending per transaction to "activate" the 10% rebate.
- 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.
» Click to show Spoiler - click again to hide... «


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
user posted image

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


* Special thanks to gauthjasmon_1 *

This post has been edited by ronnie: Jul 27 2015, 10:20 AM
ronnie
post May 27 2015, 09:42 AM

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From: Kuala Lumpur



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
QUOTE(cashie @ Jan 25 2014, 01:03 PM)
Just receive my statement.

I can confirm that following transaction made through PAYONLINE is subscribed to the respected category.

PAYONLINE-MAXIS PETALING JAYA  - MOBILE
PAYONLINE-SYABAS KUALA LUMPUR - UTILITIES
PAYONLINE-TNB PETALING JAYA      - UTILITIES


This post has been edited by ronnie: May 27 2015, 09:43 AM
wchinwai
post May 27 2015, 09:47 AM

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rclxms.gif
Just got a call to collect the card
kremlin
post May 27 2015, 09:47 AM

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Wow, V5 now.. this is still the most popular card right now
ronnie
post May 27 2015, 09:48 AM

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From: Kuala Lumpur



QUOTE(kremlin @ May 27 2015, 09:47 AM)
Wow, V5 now.. this is still the most popular card right now
*
Because of the high 10% cash-back !!! But AF is not waiveable
sj0217
post May 27 2015, 09:50 AM

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~ Delete ~
Double posted

This post has been edited by sj0217: May 27 2015, 09:53 AM
sj0217
post May 27 2015, 09:52 AM

Look at all my stars!!
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QUOTE(wchinwai @ May 27 2015, 09:47 AM)
rclxms.gif
Just got a call to collect the card
*
you request send to branch? roungly how many days to be delivery to branch from HQ??

QUOTE(ronnie @ May 27 2015, 09:48 AM)
Because of the high 10% cash-back !!! But AF is not waiveable
*
Still one of the best cash back card... haha

Thanks for your contribution ya notworthy.gif
MGM
post May 27 2015, 10:44 AM

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If I switch from Utility to Grocery category and it is effective in June2015 and
(a) I make a Grocery swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?
(b) I make a Utility swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?

The transaction will be counted(qualified 10 transactions) in June2105 as it is posted in June?

item 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.


Can't find the list here.

This post has been edited by MGM: May 27 2015, 10:55 AM
cipher3344
post May 27 2015, 12:13 PM

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QUOTE(MGM @ May 27 2015, 10:44 AM)
If I switch from Utility to Grocery category and it is effective in June2015 and
(a) I make a Grocery swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?
(b) I make a Utility swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?

The transaction will be counted(qualified 10 transactions) in June2105 as it is posted in June?

item 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.


Can't find the list here.
*
1.always look posting date.
since u change to grocery, means the grocery will get CB in june. Utilities get nothing.


2. there are no official list based on my experience since this card launch.
even it exist, u will having question why u swipe in AEON supermarket is not count as grocery sometimes..
MGM
post May 27 2015, 12:31 PM

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QUOTE(cipher3344 @ May 27 2015, 12:13 PM)
1.always look posting date.
since u change to grocery, means the grocery will get CB in june. Utilities get nothing.
2. there are no official list based on my experience since this card launch.
even it exist, u will having question why u swipe in AEON supermarket is not count as grocery sometimes..
*
for (1a) CS told me diff thing, I don't qualify for Grocery cos when I swipe on 30-May it is not my CB-Category.

for (2) I am not talking about official list but the periodically updated COMPILED LIST from fellow forummers as indicated in item 13 of post#1.

This post has been edited by MGM: May 27 2015, 12:32 PM
Belphegor
post May 27 2015, 12:41 PM

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ayam sad because HLW rejected my application! cry.gif
cipher3344
post May 27 2015, 12:49 PM

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QUOTE(MGM @ May 27 2015, 12:31 PM)
for (1a) CS told me diff thing, I don't qualify for Grocery cos when I swipe on 30-May it is not my CB-Category.

for (2) I am not talking about official list but the periodically updated COMPILED LIST from fellow forummers as indicated in item 13 of post#1.
*
1. i believe in posting date. Full stop.

2. oh, u are talking about that ultimate list... let the ronnie to answer this..

This post has been edited by cipher3344: May 27 2015, 12:52 PM
pisanq
post May 27 2015, 12:54 PM

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QUOTE(Belphegor @ May 27 2015, 12:41 PM)
ayam sad because HLW rejected my application! cry.gif
*
don't sad, u are not alone. i was rejected numerous time since 2013 until now lol
supersound
post May 27 2015, 12:55 PM

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QUOTE(MGM @ May 27 2015, 10:44 AM)
If I switch from Utility to Grocery category and it is effective in June2015 and
(a) I make a Grocery swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?
(b) I make a Utility swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?

The transaction will be counted(qualified 10 transactions) in June2105 as it is posted in June?

item 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.


Can't find the list here.
*
You won't get "complete" list from HLB doh.gif
Even when I swiped in Thestore on supermarket that shall be under groceries also not entitled for cash back doh.gif
So now if I were to swipe for groceries, I will never go to Thestore.
janson_kaniaz
post May 27 2015, 01:06 PM

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QUOTE(pisanq @ May 27 2015, 12:54 PM)
don't sad, u are not alone. i was rejected numerous time since 2013 until now lol
*
any reason given?
pisanq
post May 27 2015, 01:23 PM

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QUOTE(janson_kaniaz @ May 27 2015, 01:06 PM)
any reason given?
*
i never ask since the policy is no reason will be disclose to applicant if rejected
kelvinlzy
post May 27 2015, 01:27 PM

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QUOTE(MGM @ May 27 2015, 10:44 AM)
If I switch from Utility to Grocery category and it is effective in June2015 and
(a) I make a Grocery swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?
(b) I make a Utility swipe on 30-May which is posted on 1-Jun, will I earn the 10% CB?

The transaction will be counted(qualified 10 transactions) in June2105 as it is posted in June?item 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.


Can't find the list here.
*
QUOTE(kelvinlzy @ Jul 1 2014, 11:35 AM)
A thing to share from my friend,

He changed his category from dining to utilities on May and performed the transaction of utilities (pay TNB at payonline) on 30th April. The transaction was posted on 2nd May but when he received his statement on the first week of June, he found out that the transaction was not tagged with the category of utilities. However subsequent utilities transactions made in May were all tagged as utilities category so he doesn’t think it is the MCC code problem. He thinks that it was the transaction date that matters as in April his selected categories were dining and petrol, not utilities. He has raised this issue to HLB CS and they are still checking for him. I thought since the posting date is in May so he will get the rebate. But not in this case? So any idea what is the problem?
*
This post has been edited by kelvinlzy: May 27 2015, 01:29 PM
wan7075
post May 27 2015, 01:37 PM

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reporting in!
cipher3344
post May 27 2015, 01:38 PM

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QUOTE(pisanq @ May 27 2015, 01:23 PM)
i never ask since the policy is no reason will be disclose to applicant if rejected
*
Can.u share your photo in ic....Xp
victorywp
post May 27 2015, 01:45 PM

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QUOTE(cipher3344 @ May 27 2015, 01:38 PM)
Can.u share your photo in ic....Xp
*
is this related? blink.gif shocking.gif

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