if u want to apply, i have a good agent to recommend u in penang.
my application also gone through him and very satisfy

should apply and get the card as soon as possible

the early you get the card and spend, the cash back on this month you can get since early of the month now... 

1 week to approve, another 1 week to get the card deliver to you.

submit online la. the telesales agent is very helpful (for my application), throughly explain the T&Cs for Wise cashback, documents to be submitted, followup the approval.

one thing that's missing was there's no notification (my case) sent to me when i got approved. i only knew it after i call back to check status after 1 week submitting docs. 

For my spending pattern it's simple.

Mobile
Maxis fiber swipe 3x through mylaunchpad
Maxis postpaid swipe 2x through maxis easy pay

Petrol
Swipe RM50 every 3-4 days - provided you travel more than 80km per day.

With these alone i can get 10x transactions without the hassle of asking cashier to swipe several times.

Sometimes we have public long public holidays and i will be short like 1-2x RM50 transaction then i would head to mid valley departmental floor and purchase RM50 voucher per visit whenever i'm available.

The card info is available on their website.

Long story short, if this is not the card you want, just decline/cancel it.

I have no HL bank account too when get my Wise card.

I went to the bank and request for a PIN number and link my phone number since TAC is needed

PIN number can be link with your credit card by register from HL website

Login under Personal Online Banking --> First time User --> choose an option to be sign up

After that, follow all instruction until the end (Step 6)

i think you can pay tnb bills via hong leong connect, but only with saving/current account and not credit card.
The reason is clear, they are not accepting credit card lor.
please use uob payonline instead

http://www.payonline.com.my/

use any card.

No. Kontrak is the bill no., it doesn't matter, you can fill in anything there. Most importantly is the account no.
Nope, it's not immediately and will be processed during working hours only. So, yours will be processed on Monday.