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

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cybpsych
post Sep 5 2015, 07:29 AM

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MATTA-Hong Leong Bank Credit Cards: MATTA Fair is Back! [ HLB | T&Cs (EN) | T&Cs (BM) ]
4 Sep 2015 - 6 Sep 2015

Choose your reward when you sign up at MATTA FAIR

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cybpsych
post Sep 8 2015, 09:23 AM

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QUOTE(rapple @ Sep 8 2015, 09:19 AM)
cash back for week 7 to week 13 is credited.
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yeah! no wonder my outstanding reduced! rclxms.gif
cybpsych
post Sep 8 2015, 09:39 AM

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QUOTE(janson_kaniaz @ Sep 8 2015, 09:33 AM)
Not a small amount, that's why want to make sure first  biggrin.gif
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not sure if MaxisPay allow non-mobile/broadband bill payment.

from FAQ:

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16.  What can I pay for?
You can pay Maxis Postpaid bills or Broadband/Fibre bills and perform Hotlink Top Up for your own and even for your friends and family. We would be enabling payment for all other Maxis product and services in coming future.

18.  How much is the maximum payment amount?
Maximum payment amount for Postpaid/Broadband/Fibre bills payment is RM 10,000; maximum payment amount for Hotlink Top Up is RM 106.

cybpsych
post Sep 8 2015, 10:06 PM

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QUOTE(akh2920 @ Sep 8 2015, 10:05 PM)
I wonder if RedOne postpaid got rebate under mobile category? Since it is not listed in first post ><
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pay a small amount lor, e.g. RM5.
cybpsych
post Sep 10 2015, 08:45 AM

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QUOTE(wan7075 @ Sep 10 2015, 01:07 AM)
wanna confirm i paid celcom phone bill at celcom online should be under telco category right?
previously i paid with kiosk machine..
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try a small amount, see what's captured in your cc statement (ensure got Celcom name).

i previously paid Celcom bill via uobpayonline, categorized as MOBILE.

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cybpsych
post Sep 10 2015, 12:11 PM

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cybpsych
post Sep 10 2015, 10:24 PM

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QUOTE(cybpsych @ Aug 24 2015, 10:37 AM)
made bill payment to YES 4G postpaid using Wise via YES Self Care.

confirmed under Mobile category with MCC: 4814. Called CS to verify this. Gonna wait for Sep bill statement later smile.gif

Note: Payment via YES Self Care does not trigger the TAC. It will goes thru immediately after confirming card details.

However, there is an SMS notification sent to your mobile:

QUOTE
RM0.00 HLB - Your HLBB card ending xxxx has been debited with MYRxx.xx at YTL COMM-Y-MAX-SSL (. If you did not perform this tranx, pls call Ctc Ctr.

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payment for YES 4G Postpaid via Self Care, as captured by HLB Wise and categorized as MOBILE thumbup.gif

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now, waiting for autodebit to kick in: RM5 autodebit rebate and hopefully eligible for 10% cashback from Wise.
cybpsych
post Sep 11 2015, 08:59 PM

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paid TM Unifi bill using Wise at Sam's Groceria @ Nu Sentral. Confirmed MCC 5411, eligible for Wise's Grocery category.

haven't call CS to confirm MCC but should be under Groceries since reloading TNG there also tagged as Grocery category dy. gonna wait few days to confirm and post the receipt, etc.

you can Unifi, Streamyx, TM phone bills, Astro too. showed them my Unifi ebill on the phone, double-triple checked the account number.

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Chronology of events:

11 Sep 2015 (Fri): Paid Unfi bill @ Sam's Groceria, Nu Sentral using HLB Wise.
12 Sep 2015 (Sat): Payment received from Unifi (via MyUnifi OCC).
13 Sep 2015 (Sun): Payment notification SMS from Unifi.
8 Oct 2015 (Thu): Posted in HLB Wise bill statement.

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


This post has been edited by cybpsych: Oct 8 2015, 07:58 AM
cybpsych
post Sep 11 2015, 09:14 PM

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QUOTE(janson_kaniaz @ Sep 11 2015, 09:12 PM)
Din know Sam got such facility, which counter to pay Unifi?
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middle counter or the right side (selling milk powder)

if counter manned by non-local ppl, they'll check with local supervisor on instructions.
cybpsych
post Sep 11 2015, 09:18 PM

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QUOTE(cybpsych @ Sep 6 2015, 08:56 AM)
been chatting with Sam's Groceria rep over FB about utility bill payment there...

1) Sam's accepts payment for Celcom, U Mobile, RedTone, Astro, and TM only.

2) About TM, Sam's have been accepting all TM bills, as long as the server is linked.

3) About TNB, right now Sam's have facing technical glitch with TNB billing system and as such, cannot accept this bill for payment. Only when TNB sort it, then they are good to go.

4) Sam's accepts payment using Credit Cards and Touch 'n Go cards.

5) About bringing hardcopy bill statement, NOT required. You can show the eBill and do ensure the account number is correct before you make the payment.

6) No service charge/fee for paying bills

7) You can collect member points as long as you present your member card before the payment.
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QUOTE(janson_kaniaz @ Sep 11 2015, 09:12 PM)
Din know Sam got such facility, which counter to pay Unifi?
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fyi

we discussed this in length at MBB ikhwan topic biggrin.gif
cybpsych
post Sep 12 2015, 08:02 AM

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QUOTE(janson_kaniaz @ Sep 12 2015, 07:39 AM)
BTW, what details do they need? Do I have to bring the whole statement there? Or account number will do? Is the counter the same as T&G counter?
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tell them the account number. that's it.

need to specify you are paying Unifi bill cuz they need to select the option on the POS screen.

I purposely show them TM Unifi ebill cuz can show the acc number + TM logo at the corner brows.gif

yes, any counter would do actually. mid-centre is preferred cuz local staff there.

cybpsych
post Sep 12 2015, 11:20 AM

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QUOTE(janson_kaniaz @ Sep 12 2015, 11:03 AM)
Hmm if they use the same cc machine for bill payment as groceries, I assume it's under groceries, right?
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yep, same machine. tng reload and bill payments all thru ePay.

i've uploaded the receipts (sam's and epay) back at my original post thumbup.gif
cybpsych
post Sep 12 2015, 02:14 PM

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QUOTE(leo_kiatez @ Sep 12 2015, 01:58 PM)
The ePay bill payment made is using TnGo or credit card? All ePay hub can use credit card?
:-P
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Sam's POS is linked with ePay.

i use cc to pay Sam's. ePay pay my Unifi. There would be settlement between Sam's <--> ePay, usually on monthly basis.

luckily Sam's accept cc for ePay transactions. i had experience with Tesco whereby ePay instructed Tesco not to accept cc for mobile reload doh.gif
cybpsych
post Sep 12 2015, 07:08 PM

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QUOTE(karcity @ Sep 12 2015, 05:21 PM)
Thank for the very useful info. I am looking for a place to pay TM bill with cc for years. And you did that that! 👏
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confirmed working liao.

my Unifi account already tracked the RM50 payment that i made yesterday thumbup.gif

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cybpsych
post Sep 12 2015, 07:50 PM

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QUOTE(CP88 @ Sep 12 2015, 07:31 PM)
Bos,
Your unifi so cheap one! RM 50?
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no la.

i overpaid my Unifi in July for RM7xx liao, before MBB removed the 5% cashback.

now to test Sam's Groceria bill payment, i overpaid again RM50, to see if it goes into my Unfi account or not laugh.gif


for now, i got -ve outstanding ~RM-5xx, i dont have to pay Unifi for ~3 months (~RM158 for VIP5 + GST)
cybpsych
post Sep 12 2015, 08:34 PM

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QUOTE(janson_kaniaz @ Sep 12 2015, 08:29 PM)
U plan to call to confirm? brows.gif
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same as our usual tng at Sam's: MCC 5411, under Wise's Grocery category thumbup.gif
cybpsych
post Sep 12 2015, 09:05 PM

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QUOTE(Ramjade @ Sep 12 2015, 09:00 PM)
How you find out the MCC code?

Also, can we pay bills at Sam Grocer on Saturdays?
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call CS to find out lor. not hard. also it's the same as TnG reload there. categorized as Grocery and gotten cashback.

why not on Saturdays? as long as Sam's open shop, can pay.

QUOTE(cybpsych @ Sep 8 2015, 02:10 PM)
that's exactly what most of us do smile.gif

statement description for your reference (TNG reload using HLB Wise at Sam's Groceria):

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This post has been edited by cybpsych: Sep 12 2015, 09:08 PM
cybpsych
post Sep 13 2015, 09:04 AM

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QUOTE(Ramjade @ Sep 13 2015, 08:35 AM)
I will tell you why. Their FD promo never been higher than other bank.
If a bank is generous, they will not impose complicated T & c. The min 10xrm50 swip, 3 category limit, "bonus" mobile is to ensure people will have a hard time earning cashback although lowyat members have managed it. tongue.gif You tell me people who never join lowyat forum know to split their bill payment x10 via uobpayonline?  The 10% CB is to encourage people to sign up for this card. When they find out that they don't qualify for CB. too late for them ( didn't swipe 10xrm50). Why have annual fees? Cause they need to make money.

So all in, you tell me that they are not stingy.
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hlb's fd never been higher nor competitive with others. that's their business decision to focus on other revenue streams. so be it. we go for uob or ocbc, heck even go for mbsb or br.

you got some funds in FDs, well, that's the lowest-mid risk of investment. again, since it's a fixed/term deposit, the funds are "locked" by the bank. again, you're "loaning" your own money to the bank, to earn the interests back.


about cc, which banks are generous, no af, gives high cashback (as high as Wise's 10%) and without complicated t&cs? most of us interested to know. biggrin.gif

one good thing about Wise's stringent requirements (i had doubts too b4 applied it last year) is forcing cardmembers to micromanage their spending (until getting max RM100 cashback with lowest spending at about RM985.05); ultimately saved us from overspending, unncessary interests, discipline ourselves, and improving cashflow (instead of perpetually increase with debts, which as the vicious cycle goes, benefits the banks in the end).

from the wave of benefits reduction applied to some of the most previously-generous cards recently (suspect due to BNM's Payment Card Reform Framework), all banks gotta reduced benefits to "comply" one way or another. obviously the end results are affecting customers (same effect to GST), and protect bank's bottomline as much as possible.

it's good that you dont use credit cards. saved from all the troubles ya. thumbup.gif
cybpsych
post Sep 13 2015, 01:24 PM

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QUOTE(bananalow @ Sep 13 2015, 01:15 PM)
Anyone paid your bills b4 at Sam Groceria in Encorp strand mall? Mostly discussed here is NU sentral... I would like to pay at strand mall as it is nearer from my workplace~ smile.gif
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try lor. should be same geh.
cybpsych
post Sep 13 2015, 08:39 PM

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QUOTE(cybpsych @ Apr 29 2015, 05:05 PM)
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CategorySpend10% Cashback
MobileRM 325RM 33
Cat ARM 325RM 33
Cat BRM 335RM 34
TotalRM 985RM 100

That means, spend a cumulative total of RM985 to achieve RM100 cashback, effective rate is about 10.15%  thumbup.gif

i've simulated the calculation (on paper), you need to all 3 categories to achieve highest cashback rate with the lowest spending  sweat.gif
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QUOTE(Ramjade @ Sep 13 2015, 07:55 PM)
Care to share how you get 10.18%? hmm.gif
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the example above is max spending (RM325/335) per category. you can mix around 3 categories to achieve RM985.

my Aug spent hit exactly RM985.05 sweat.gif

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