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



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.

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: Jul 27 2015, 10:20 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


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

Just got a call to collect the card

Wow, V5 now.. this is still the most popular card right now

Because of the high 10% cash-back !!! But AF is not waiveable

~ Delete ~
Double posted

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

you request send to branch? roungly how many days to be delivery to branch from HQ??

Still one of the best cash back card... haha

Thanks for your contribution ya

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

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

ayam sad because HLW rejected my application!

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

don't sad, u are not alone. i was rejected numerous time since 2013 until now lol

You won't get "complete" list from HLB
Even when I swiped in Thestore on supermarket that shall be under groceries also not entitled for cash back
So now if I were to swipe for groceries, I will never go to Thestore.

any reason given?

i never ask since the policy is no reason will be disclose to applicant if rejected

This post has been edited by kelvinlzy: May 27 2015, 01:29 PM

reporting in!

Can.u share your photo in ic....Xp

is this related?

He might be an agent of HLB so he can help to check

I would really want to know the reason of getting reject lo. :/ Haiz, now need to find another bank for credit card.

I just received Wise + GSC card yesterday after applying on 14 may. May i know the bill cycle will only start after my card activated? I know the cash back will counting base on calendar month and credit to us by following month 28. Not sure i should activate now or activate by 1 june.

Is Tesco Extra under groceries category?

Call the CS. They can help set your preferred billing date.

yes

Just call to change ur stmt date if u want

Finally I get a called from HL Branch that to be collect my credit card on tomorrow.

Would like to ask about free luggage bag, based on T&C mentioned that need to spend RM1800 within 60 days from approved date.

My card approved on 9 May and only manage to collect on tomorrow (28 May), how is this going to be, anyone experience this before?

Seem like T&C no mentioned on this point

Based on approval date

Is Tesco got vouchers to be purchased? Like those 10, 20 or 50 vouchers.

yes, buy from service counter.

yes, 10/20/50 are exactly their choices. and the procedure to purchase is simple and fast if compared to giant, which need roughly 1 hour.

Giant. I can only buy those RM50 gift card. Haven't seen any vouchers yet. Even gift card, my place many cashier dont even know how to operate too.

As for Tesco. I have not seen vouchers more than rm10. Normally receive those RM1 n RM2 vouchers from Tesco thru mail.

This post has been edited by Tigerr: May 27 2015, 10:42 PM

yes, yes...

you can buy giant vouchers too. but it's a hassle unless you have a lot of free time to waste. you need to fill in a form at the service counter, and the form need to be passed to their office for the vouchers to be printed for you, and the expiry date to be stamped one by one (6 months).

you will get crazy if you buy at a big giant outlet which the office is far from the service counter. the staff will take his/her own sweet time walking slowly (lepak here/there in between) to the office and back. longer time if you missed filling certain part of the form, in which they need to come back from the office to the service counter to inform you for you to fill again, and send back to the office.

tesco you can just buy from the service counter. they don't need your detail and they have ready vouchers. so they just need to stamp the date of purchase on it and the voucher will expire in 1 year from the date.

is there a link on the TnC?

Ok ok. Thanks. Like that I ll start buying Tesco vouchers instead everytime buying giant gift card or Aeon Voucher which need to fill up form n not fall under groceries too.

I see, alright thanks ya

https://www.hlb.com.my/main/promotion/20150...romo-travel-bag

but tesco vouchers very fast finish. early this year went to 4 different outlets but all don't have, waiting for hq to send.

Just checking with you, since you just get the cards, is your GSC card come with some Vouchers ??

Yes, you are right.

What voucher? Can share the detail?

GSC cinema voucher

How many pieces? 1 pair?

Guys, just wan to check with u all. If I ady swipe RM50 x 10 time ,
I eligible for cash back 10% in 2 selected categories right ?

What if I swipe the next transaction on RM30. Did that transaction also eligible for cash back of RM3 (RM30 x 10%).

Or All transaction must be above RM 50 to eligible for cash back ?
A bit confusing there. As it didn't clarified.

Anyone bought Aeon voucher from Aeon 1U before? Is that considered under Departmental stores?

That RM30 transaction as long as in the selected categories will be eligible for the 10% rebate, confirmed.

Yes double confirmed

Yes... it's under DEPT store the last year I went.

They may swap the terminals, so I never use STUPID card in Aeon at all, just to prevent this.

That would be based your own "stupid" luck if that were to happen. 99.999% will get DEPT store

If they swap terminal.....then it is the best......please let us know which jusco counter has swapped to groceries

From Last March's transaction and March Rebate received on 27-May-2015.

I can now confirmed the following
Transaction Date : 31-March-2015
Posting Date : 01-April-2015
10% Rebate was calculated as part of APRIL's Rebate (not under March)

In conclusion : In which month the Rebate is calculated for, will be based on Posting Date

This post has been edited by ronnie: May 29 2015, 08:53 AM

AEON Voucher purchase under SMKT will be in AEON IOI MALL Puchong

I know this since 2 years ago......

Ok. Great thanks.

thanks

There's no right or wrong on this, it is important that you shall have 10 X rm50 transactions within 21-25 days.
Why not 30 days? It is because the last few days transaction may or may not posted as you wish.
I've face like this before, I already spent rm1000 throughout the month and swipe another rm100 on 29th of the month(that only has 30 days), it posted on 30th which I'm expecting it to be posted on 1st of next month, so rm100 no cash back.
Then when my spending was only rm900 throughout the month and swipe another rm100 on 29th of the month, it was posted on 1st which I can't maximize the cash back
Some said before if using HLB's terminal(like in Thestore) will have same day posting, again I'll say it is another busted myth. Thestore are using few categories terminals, like in supermarket where it shall be under groceries, sometimes it will be using departmental terminals, when this happens, indeed it will be posted on the same day, since you are getting rm0 cash back.
You can't say HLB's T&C are confusing, more on them are playing with grey areas on trying to deny your cash back.
And they will share your personal info within HL Group. When this happens, lodge a complaint against them.

Nope, groceries side will use departmental's terminal.
Like Seremban's Aeon's groceries are entitle to get HL Group staff's hair instead of cash back

Well, the T&C stated clearly already : Transaction posting date

1st half year I got this STUPID card I've been struggling to know how to make full use of it.
It is same as 0 interest period, it can only be used for 21-25 days in a month
But now after plan my spending properly where 1st week sure will hit 10 transactions and last transaction will be on 25th(if got 31 days for that month).
Then will be using other cards to back up in case of any sudden death spending.

HLB should have written AS "Transaction's posting date"

Dont understand what u mean? Get the staff hair?

Then it is your are not so smart instead of the card is stupid.

It was supersound sarcasm towards HLB ....

Why they need to add the 's?
If they make it clear, then people will be more aware and taking preventive steps.
HL Group are including insurance, did insurance agents tell you clearly what you can't claim when they are selling an insurance products to you?
Trust me, they won't, so best is follow what I'm doing, complete all rm985 by 25th of each month latest.
So if next month petrol price will increase, I'm screwed But again since I'm buying groceries and sell it back, it will counter that "slight" increase.

But I guess he still using that card.....why?

Yes, I agree!!!

Initially I was really confused what mean by transaction posting date

We are all here to "Talk" about best measures to "maximize" the rebates. ...

Then u should get few more wise cards using your wife, parents, brother's or sister's name. Like that u ll get more rebates

The word posting already very clear. If base on transaction date, why come out with the word posting?

In the beginning, all Jusco's groceries spending are not entitled for cash back at all. Only after numerous of complaints, only selected Jusco are entitled for it.
https://www.hlb.com.my/main/assets/files/hl...card-tnc-en.pdf
Groceries All grocery stores eg: Giant, Tesco, AEON Big (MCC 5411)
Extract from the T&C, Jusco are not included

This card sometimes do make people look stupid
That's why I won't select this as my first card

Only HLB knows what they wanted to write.... to confuse or to show poor English

haha, because the word transaction posting date, I didn't know whether is transaction or posting or both date

Why don't just write cash back based on Posting date, easy

Can we complaint to UOB that jusco supermarket not under groceries too? I once swipe 800+ on jusco supermarket n only realize this after I receive my statement. Cash rebate only 0.3% instead of 2%. My wise card already fully maximize. This prompt me to apply more wise card under my wife n sister name.

It's true that AEON Supermarket was previously under "DEPARTMENTAL STORE" MCC.
When MBB Terminal with Visa PayWave was introduce (Around May 2013), either AEON/MBB decide to "re-categorise" into Grocery MCC and Departmental MCC.

The same scenario with Starbucks... previously under Dining MCC, now no longer. Starbucks also uses MBB terminals

This post has been edited by ronnie: May 29 2015, 09:23 AM

I have not read the terms n condition. I learn by the hard way. After the things comes out n I learnt from there. first 2 months. learnt the petrol paid at counter not counted. lost my cash back there

It is always "WISER" to read the T&C... but the point is that HLB "tried" to confuse those who read them.

Then Starbucks under what category?

Just spend some time on reading their new T&C, indeed the "transaction posting date" missing from it
If you want to complaint, read the T&C properly first.
(g) The assignment of Merchant Category for each merchant is subject to classification by the respective acquiring banks and it is the responsibility of the particular acquiring bank to assign the correct Merchant Category. HLB shall not be held responsible for any incorrect assignment of the Merchant Category that may result in non-posting of the Cash-Back for retail transactions at the
eligible merchants. The Cardholder shall not be entitled to claim for any compensation against HLB for such non-posting of the Cash-Back due to incorrect assignment of the Merchant Category by the respective merchant’s acquiring bank.
With this statement only you bring up to where also cannot win
So, no Jusco for me if want to use STUPID card, I still got MBB AMEX to use if I really want to spend in Jusco. But the groceries are not cheap most of the time(Salmon Fish are nice, but need rm54 per KG and not fresh).

I don't want to take the risk on not getting cash back and another reason is, the price are not cheap comparing to Tesco or AeonBig.

no, don't get confused. uob doesn't offer grocery cb based on mcc. they only offer grocery cb for swipes made in these 5 places: aeon big, tesco, cold storage, jaya grocery, giant. which means not even include mydin, econsave, hero, nsk, etc.

maybe 5462.

maxis edi blocked my line coz of late payment, not sure i should wait until monday since if i pay today i won't be getting any cashback...

Swap with your friend. Ask them to pay for your mobile n you pay their mobile same amount next week.

this one for magnum or toto or kuda????

Base on my 4 months usage of this card.. i calculate back.. the effective cash back is only 6.2% for me..

i cant really make sure my card swept at exactly 1000 per months.. sometime more, sometime less.. in conclusion, i only get 6.2% after minus off 13 every month for the 160 annual fee..

u paid rm160 edi?

I just got rebates of 99 for this month as spending 989 previous month after listening to the tricks of spending 985. Should go n add 10 on petrol.

I was charged RM160 as Annual Fee... but no 6% GST. And I'm keeping quiet

Life's unfair.......why I was charged gst?

so i assume total spending of RM995 can entitle for RM100 cash back.