what are your categories? Mobile + Grocery + Petrol/Utility?

if Petrol, manually set the pump amount to RM50. you definitely need to pump at least 5-6x in a month, right? if bigger car or always travelling, surely 7-8 times?

if Utility, perhaps you chose this category cuz of high TNB (usually) bill? if around RM400-500, already covered 8-10x RM50 liao.

for Mobile, how much is ur average monthly bill? if u got the low plan, somewhere around 1x RM50 liao. if got the high/phone plan, surely about 2-3x RM50. also, you can help paying bills for your family members, if you dont mind sharing the cb


now Grocery. this is when you plan your voucher purchases. if you know your average spending for the above categories, you only need to purchase between 2-5x RM50 voucher only.

This post has been edited by cybpsych: Sep 27 2015, 09:36 AM

RM400 you can hit 8x (50) already.....

not exactly based on you tenure year.

Wise launched in January 2013 (year 1).

those gotten year 2 AF waiver was in 2014. some not getting. 2014 could be the transition period where new policy/instruction set for AF waiver.

If your year 2 falls in 2015 (first applied in 2014, like in my case), strictly no more AF waiver given. Those applied earlier, will be year 3 in 2015 liao. also no more waiver given.

oh yeah, i kept counting RM100

Thanks for your reply, cybpsych. I have not applied for WISE card, and am still considering whether to apply for the card or not. For sure, your information here, as well as inputs from other users here, is very helpful to me.

I use about RM 160 of petrol in a month, and my TNB is about RM 80 per month. By the look of it, petrol and utility are not suitable categories for me.

My mobile bill is about RM 135 per month. So, as you said, it is easy to get 2 times of RM 50 transactions.

The remaining 8 RM 50 transactions need to be from grocery and departmental, since I plan to choose these two categories.

___
1. I performed 10 times of RM 50 transactions. Later, I performed RM 20 (groceries) and RM 10 (departmental) transactions. Do I earn 10% cashback for the RM 20 and RM 10 transactions?

2. In another scenario, I first performed 5 times of RM 50 transactions. Then, I performed RM 20 (groceries) and RM 10 (departmental) transactions. A few days later, I performed another 5 times of RM 50 transactions. In this case, do I earn 10% cashback for the RM 20 and RM 10 transactions?

3. What is the best way to apply for this credit card? Online submission (such as leaving a message in HL Connect) or going to branch?

4. Can we choose any day as the statement date? Which day is the best day to be selected as the statement date?

5. I have a Hong Leong saving account. After activating this card, will this card be automatically be shown in HL Connect? And, I can pay the credit card bill in HL Connect, right?

Thanks to everyone for their inputs here.

When I applied my wise card on 2014, the bank told me very very clear, the AF is not waivable. Don't waste your time to call after a year. If you want for a card with AF waivable, please choose other cards. The instruction is clear. I personally feel it is very good, by informing you upfront, At least we will never have false hope.

same to me, agent told me AF is not waiveable, but can try to ask come anniversary. but i know chances of waiving af is none. so, i already accepted the fact to pay the AF from day 1 after applying the card.

combination of Grocery and Departmental for you, no need to worry where u purchase the vouchers liao

1) yes for both RM 20 (groceries) and RM 10 (departmental) transactions. janji RM50 x 10 times is achieved (posted) within the same cashback calendar month.

2) same as above.

3) nearest branch, if you can. else, just apply online thru here from the main page of HLB Wise https://www.hlb.com.my/main/personal/cards/WISE-card . in my case, HLB agent called me next 2 days, guided me all the necessary documents to be submitted via email. then they'll call you again to confirm the application form and details (like an interview )

4) yes. last i checked, the dates are 1 2 3 4 5 7 11 16 17 19 20 22 23 25 26 29 30 31. usually, ppl set the statement date so that payment due date (PDD) is after your pay day. e.g. if your pay day = 30th, then set your statement to 11th (PDD = 11th + 20 days = 31st or 1st). this way, u got money first to pay your credit card bill.

5) i dont have hlb savings account. by right, should be linked together and shown in HL Connect. I gotten HLB Wise first, then HLB Mach. both cards showing in HL Connect.

This post has been edited by cybpsych: Sep 27 2015, 11:54 AM

No. 3 as above based on my own experience, you can PM me and I earn nothing. Just that I feel a good service from agent needs to be appraised.

No. 5, I have MACH before Wise and my Wise is automatically linked. I supposed your savings account as well.

apply wise card online can get sign up gift ??

no

Thanks, cybpsych and fruitie.

It is good to know that WISE card is automatically linked in HL Connect.

As you all know, for Public Bank Visa Signature Card, you would need to call Customer Support to display the card in PBB Online, and to visit a branch to enable credit card payment via PBB Online. That is quite tedious.

Must we charge wise card minimum RM50 x 10 first before we are entitled 10% cash back? Need to wait for the first RM50 x 10 posted first as some merchants late in posting the transactions. What if we swipe mobile bill less than RM50? Still entitle for 10% cash back rebate?

As long as in one month(not your statement date, follow calender month) u hit 10x RM50 transactions, all the eligible categories cashback will be included in your next bill (Max RM100 cap), Rm10 will also give you RM1 cashback!

This post has been edited by bananalow: Sep 27 2015, 05:03 PM

even rm5 transaction also can get rm1 cb.

just signed up wise card + master card at the curve

they gave me a doraemon lunch box as a gift

and a gopro (worthRM500) if i swipe RM2k in 2 months

That's not a Go Pro. It's a Go Pro look alike only and it costs less than RM 300.

Guys,

Any info on paying time fiber with this card to get the rebate? Unifi is covered at Sam's but not time. Payonline not sure will be tagged as what in the statement. Anyone tried? Or is there any other medium?

most likely no.

for Mobile category, the operator name is the determining factor. even if MCC under telecommunications, if operator name not appear on the description, the transaction won't be tagged.

it happened to me when I first try payment using umobile app. MCC is correct, the operator name is misssing. that's what HLB cs clarified.

This post has been edited by cybpsych: Sep 28 2015, 08:39 AM

Hi. Anybody using wise card to reload touch n go at petronas kinrara? Will it tag to petrol category for wise card?
Previously I tend to use amex card to reload there.