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

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ChuanHong
post Aug 5 2015, 09:32 AM

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Hi im looking on this wise card.. but not sure my spending condition entitled on this cash back or not.. please help me on the below scenario that which reflect my own monthly expenses.

I will choose Petrol & Utilities (which i spent most on these 2 categories)

1. Petrol (monthly 300 like that) so i may divide into 6 times..
2. Utilities (electricity my house bill always above RM200) Can i divide this RM200 into 4 times? How about Streamyx is group into utilities?

Am i entitled to 10x transaction in above scenario? if yes then i only can apply this card..
ChuanHong
post Aug 5 2015, 09:56 AM

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QUOTE(Ramjade @ Aug 5 2015, 09:40 AM)
Petrol yes can. Utilities can divide into 4. No rebate for streamyx. sad.gif
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alright.. good.. any way to pay the utilities by online method?? i dont have Hong Leong bank account.. just do have maybank.com

QUOTE(propusers @ Aug 5 2015, 09:44 AM)
1. Yes. you may pump 6 times.
2. Yes. you may divide to 4 payment via UOBPayOnline website. Streamyx is not in utitlities.
You have 10x transactions already.

Besides, you have free category: mobile. If maxis, you may pay postpaid/prepaid via MaxisPay website.
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i got 2 postpaid mobile account but lower than rm50.. one postpaid free call to family, one postpaid for normal data usage.. both total below rm50.. UOBpayonline website is uob bank? i dont have UOB or Hong Leong as well..

QUOTE(cybpsych @ Aug 5 2015, 09:45 AM)
how about your mobile bills?
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my mobile bill below rm50 for sure.. cause i do have 1 free call postpaid one..
ChuanHong
post Aug 5 2015, 10:09 AM

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QUOTE(propusers @ Aug 5 2015, 10:01 AM)
Here you are
https://payonline.uob.com.my/payonline/Login.do

I am using this website to pay Syabas and TNB with my Hong Leong WISE.
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QUOTE(cybpsych @ Aug 5 2015, 10:03 AM)
dont use hlb to pay your utilities. use https://payonline.uob.com.my/ , pay your utilities using HLB Wise card.

for mobile, since lower than RM50, keep it as backup first, in case your monthly petrol/utilities couldnt reach 10x RM50 transactions. then overpay your mobile to addon to 10x RM50 transaction.
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is this payonline.uob just a portal that for any visa/master user to do payment only? so once i got my HL wise card i just register an account and tie with my card number in this portal? so in this portal i could do the payment with the amount i wish to do right?? it isnt my understanding is correct?
ChuanHong
post Aug 5 2015, 10:18 AM

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QUOTE(cybpsych @ Aug 5 2015, 10:11 AM)
yep! no service fee too! tongue.gif

use it to pay multiple RM50 for your utilities. remember to do repeat RM50 payment, each time, with TAC.

e.g.

if bill RM120... pay RM50, get TAC to confirm transaction, pay RM50, get TAC to confirm, pay RM20, get TAC to confirm. HLB recorded the 3 transactions as 2xRM50 + 1xRM20.
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great.. sometimes electricity bill may boost till 300.. average on 250.. below rm250 i will pay advance and up to 250 for 5 times transactions. i check on first page, only electricity and water under Utitlity category?? too bad..

nvm, since over 10x transactions mean im entitled already, i will go apply this card in coming days
ChuanHong
post Sep 23 2015, 09:18 AM

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hello guys.. let say i dont have hong leong savings account.. i only do have wise card and mastercard from Hong Leong recently..

If i start swipe with hong leong wise card and do have rm500 outstanding balance in next month, how can i make credit card payment from my maybank? it isnt possible to use my maybank to pay Hong Leong bank credit card?

please draftly guide.. thanks
ChuanHong
post Sep 23 2015, 09:22 AM

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QUOTE(victorywp @ Sep 23 2015, 09:19 AM)
it's possible to pay from your maybank to your hlb cc. just use ibg transfer and it only cost 11 cents (including gst) per transaction.
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QUOTE(cybpsych @ Sep 23 2015, 09:20 AM)
use IBG transfer from Maybank to HLB Wise Card (account number = card number)
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thanks both.. good.. i keep searching around the bill payment.. no wonder i cant find any.. so its use transfer feature.. thanks so much
ChuanHong
post Sep 23 2015, 09:42 AM

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QUOTE(cybpsych @ Sep 23 2015, 09:26 AM)
create a Favourite Interbank Fund Transfer, so that it's easy for monthly transfer next time biggrin.gif

user posted image
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yeah just done.. i just received wise card on yesterday.. havent to start using it yet.. next month.. since i read that to entitle rebate, is actually following calendar month.. so temporary still using my maybank to earn some points first..
ChuanHong
post Sep 23 2015, 05:12 PM

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QUOTE(fruitie @ Sep 23 2015, 10:49 AM)
Why not, September hasn't ended yet? laugh.gif Or you don't have at least RM 500 to spend la. biggrin.gif
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yeah dont have rm500 to spend.. i got electric rm200, tm streamyx 150, petrol 300 per month.. so mostly i may wait until next month only pay all the utilities by 10 times..
ChuanHong
post Sep 29 2015, 10:22 PM

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i start using WISE card recently.. and use uob payonline to do transaction.

I set all payment done on 1st of October.. I choose petrol & utilities as my rebate categories. (addtional bonus category of Mobile)

Scenario:
Monthly i will spend this amount of money. RM400 for petrol. RM200+ electricity, RM150 Streamyx, RM40+40 for Mobile (me & my gf), Touch nGO (reload by cash)

so i aim to rebate rm60+ from Petrol+Electricity+Mobile..

I separate out my electricty, tm streamyx and petrol pump into rm50 transactions, definitely more than 10 transactions..

But my question is, am i get the rebate for mobile category as well even though 2 transactions is below rm50 each.. It isnt mean once i got more than 10 transactions, so the 3 category will get rebate already?
ChuanHong
post Sep 29 2015, 10:38 PM

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QUOTE(cybpsych @ Sep 29 2015, 10:28 PM)
10x RM50 is just a qualifier to activate the cashback. best if ALL within categories.

then, any other spending within categories are eligible for cashback. of course, total capped at RM100/mth.

P/s: tm Streamyx not under Utilities.

P/ps: can your gf apply Wise? if she qualifies, she can opt for Petrol/Utilities + Grocery categories.

under grocery, can cover ur TNG liao (I suppose also quite high if u so travel a lot). streamyx can be covered under Grocery if u pay at Sam's Groceria (if accessible for u).
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yeah i do heard so. But im in Penang. Sam groceries not much in Penang. As i know, Sunway carnival and First avenue.. Seldom go there..

my gf spend lesser.. Me monthly 200 TNG and 300~400 petrol is definitely confirm already.. yeah, i know streamyx not entitle to the rebate, but its ok, just to boost the transactions 10 times.

i still got maybank amex and public bank.. focus on wise card right now will do..
ChuanHong
post Sep 30 2015, 11:42 AM

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QUOTE(cybpsych @ Sep 29 2015, 10:42 PM)
orite.

ur petrol+tnb already can cover ngamngam 10x liao geh.

if not, slightly overpay ur mobile to rm50, If u don't mind.

the rest, amex is good too. just points but still something. biggrin.gif
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i will trying to observe my first month usage (October) on Hong Leong WISE.. Afraid that cant achieve with 10 transactions.. So throw all expenses into it..

My mobile was auto debit from Celcom.. Mostly around RM4x for me and my gf.. so hardly to take it to boost 10 transactions.

Petrol and TNB probably sufficient for my 10 transactions.. If not enough only use Streamyx/Weekend grocery to boost..

yeah amex still can earning point and 5% rebate in dining..

This post has been edited by ChuanHong: Sep 30 2015, 11:42 AM

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