Hong Leong Bank Wise Credit Card V1 | V2 | V3 | V4 | V5 | V6



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: Oct 8 2015, 12:30 PM

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


9. Below are the confirmed methods that fall under Mobile category. Thanks to cybpsych for his hard work in compiling different telco payment details.


This post has been edited by fruitie: Jan 29 2016, 11:45 AM

I just published my article The Best Top 10 Credit Cards in Malaysia 2016 - Ultimate Showdown, and it in I gave 2 examples as to how one can benefit from the HLB Wise credit card even if they do not swipe 10X on the 2 selected and bonus categories.

The Wise card can be a replacement to the Maybank 2 Cards AMEX for those looking for a card for Petrol, and you do not need to pump RM1000 a month to enjoy more than RM50 monthly cash back.

Moving over from M2C cards.

fruitie,

Yeah, will wait for a few days. My longest posting date was 4 days after I topped up $50 for Starbucks.

We don't need a full first page with "reporting in" posts.

Thanks.

Sorry! I have clicked "Options" button then "Track this topic" to follow this thread.

finally decided to apply today, want to ask you guys/gals

when u swipe for groceries (same day same time), you separate the bills into multiple of RM50?

yes

good to know intentional split payments will not void the cash back
now pray for my application

I always split payments for my TNB in the same day.

My highest record was 10 transactions in a day, nothing happen

Me too and nothing happened yet.

Was planned to do ~18 transactions but each time have to wait for the TAC, I cut it short

weird. I'm using my Wise Card on AEON supermarket in IOI.
The transaction is counted as Grocery wo, which is eligible for cashback 10%.

I think not only AEON big la

Aeon SMKT at certain places are groceries.

SMKT means supermarket. Naturally means buying groceries place.

Yes I know about that.

How to set the sms alert threshold for transaction to be at RM1? Can I sent to HLB customer service email to set for that request? Call CS, told me need to go to branch..

yes, must go to the branch.

Noted, thanks.. Shit. Need to chase the branch again in this case as already filled up the form to set the sms alert to be at min rm1.
:-P

You can scan and email to HLOnline@hlbb.hongleong.com.my
Mine was updated 2 days after acknowledgement.

I just applied wise card yesterday..

Waiting for card approval..

Hope they dun reject my application since I ady have 3 cards ady..

Unless your annual income is 36k and below. Other than that, you can have as many as you want and of course subject to their discretion.
I had 9 cards before applying and was approved.

just got this card this...dunno if i can swipe minimum 10xrm50 this month
i have paid all my bill 1 day before i get it

This post has been edited by epie: Oct 9 2015, 10:37 AM

if you know u r getting the card soon, y still pay?

If i use this card to pay for telco EPP do they take the full amount for 10% cash back or just the mthly inst for the 10% cashback?

if cannot meet 10xRM50 by month end, then don't spend a cent on it. dont force unnecessary spending.

preplan for Nov spending instead

Just called CS .. my autodebit prudential is not counted as one of the RM50 transaction.

FYI :
Both Ippudo Gardens and STAR VILLAGE Kuchai are under MCC Dining

i thought i wont received it this fast

good idea

This post has been edited by epie: Oct 9 2015, 12:52 PM

I didn't have the hardcopy.. As I had submitted on the spot at branch during receiving the card. Haiz

soft copy available on post 1. just fill it with adobe reader and send it to the email above. more efficient i guess. i sent the hardcopy twice to their hq but nothing done.

Oic.. Thanks for the advice.. Sent to the email HLOnline@hlbb.hongleong.com.my? Do I need to mentioned I had submitted to branch on the request before in email or treat it as new request?

doesn't matter. whichever receive the request will process it first. if already processed, then the other will be thrown away. lol

Hong Leong Bank Credit Cards: Now you can choose your own reward
HLB | T&Cs (EN) | T&Cs (BM) | T&Cs (CN)

Wow..

Then mine should be fine, since I have a good record

Ouch.. I didnt apply a supp card.. or any zing card

If can't then don't use the card at all this month.

I got mine mid of last month and didn't swipe it until early this month because I know last month can't reach 10x RM50 already. Now this month already done 8x RM50, 2 more to go.

Just found out something for you guys, if you all not already aware...

I swiped ngam ngam 10 times above RM50 (totalled more than RM1,000), but there was also a refund transaction a merchant which is above RM50 (about RM60), and this made me not qualified for the cashback...

they count the reverse transaction as minus 1, so qualified transaction is 9 only.. although i spent a lot.. so end up 0 cash back... wtf....

yes, you have to make sure no refund transaction. also, you have to make sure that the merchant post the transaction before the last day of the month. so as a precaution, swipe more than 10x rm50, unless you confirm no such thing will happen.

Guys, I have achieved 10xRM 50 transactions and I have these two transactions:

i) 77.72 for TNB
ii) 39.10 for DiGi

I know if I spend additional RM 5, I will get additional RM 1 of cash back. For my transactions above, I can just pay like normal right? No need to add RM 5, am I right?

Thanks.

You only need to add RM5 in case your total spending for each category is RMXX0. For me I spent first, then till end of the month only total up, to the nearest RM5, like pump RM2 petrol or pay RM0.50 TNB if needed..

what's ur total category?

the link on post 1 is dead.. hl website say page not found.. any other alternative way?

edited:

i ok.. i found..
https://www.hlb.com.my/main/assets/files/SM...enance_Form.pdf

This post has been edited by chrischiang: Oct 9 2015, 08:46 PM

assuming that you have done the exact figure rm50 x 10times and you would like to maximise your cb categories with that 2 transactions:
1) you may pay rm75 (underpay) or rm85 (overpay) to get the cb of rm8 or rm9 respectively.
2) you may pay rm35 (underpay) or rm45 (overpay) to get the cb of rm4 or rm5 respectively.

OK, got it.

What did you mean? My current spending?
Besides these two transactions, I have spent RM 650.

Alright, good idea. I think I will overpay my DiGi. TNB underpay.

because you only overpay RM5 for each category, when nearing the end of the month (per kelvinlzy's advise]. then only you know how much (overpay) to adjust accordingly.

Alright.

That means I don't do anything now ya, just spend like normal. If need then I overpay RM 5.
Groceries, I cannot overpay.
My UniFi only outstanding RM 2.xx I malu go Sam's to pay RM 5 using credit card.

for utilities and petrol or mobile, easy to perform minute adjustment

for grocery, that's why i always say very tedious to hit ngamngam RMx5.xx. do this if u got super free time to browse all the items at Sam's to meet the target.

i use Excel to let me know the target amount to swipe based on near-final total category amount. well, i enjoy doing it anyway

Good idea. Actually I'm still against the idea of spending more.

aiyor, dont overspend too much lah.

if your category A = RM350, then just pay extra RM5 lor. not adding RM55 or 105 or 205

Is it a good idea for overpaying if I'm still far from achieving RM 100? Just asking.

arent u the one saying not to chase the cashback if need to overspend too much?

aiyah, you'll get the hang of using Wise. take few months to readjust your spending, then you'll easily hit RM9x-100 cashback.

Yeah lo. What I meant is like since I'm far away from RM 100, might as well don't overpay anything.

Anyway, I just started using it, gotta know all the tricks.

Just checking if I reload from Digi online store, will I get any cash rebate under mobile category?
https://store.digi.com.my/storefront/reload-details.ep

Then, I can reload for my mum.

Edit: Never mind, saw this post and yeay.

This post has been edited by fruitie: Oct 10 2015, 12:55 AM

Went to Sam's to pay Streamyx bill.

As mentioned before, there are 3 TM options in their system:
- TM bill
- TM Streamyx
- TM Unifi

When I told the cashier I want to pay Streamyx bill, she told me that the TM Streamyx option has error, and would not work.

As suggested by one of the forumer here before, I asked the cashier to just use the TM bill option on their system. She helped me to entermy Streamyx bill number (without the first alphabet). Everything went well at first and she even swiped my card. Towards the end, there was an error again So in the end have to ask a supervisor to come over and void the transaction...

Anyone care to share if you have experience paying Streamyx bill? (Note: Unifi no problem <- the cashier said)

This post has been edited by wca: Oct 10 2015, 01:33 AM

yep, super convenient to reload. too bad, got GST for now.

IINM, next month onwards, telcos will remove the GST on reloads, but GST applied on usages (mechanism still tbd)

here's the info captured by HLConnect or eStatement:

Really? Then I wait till next month, not in a hurry to get.

Here's a compilation of all Mobile transactions that I did using HLB Wise

useful info.

can add that on 1st page?

will need ronnie's help to add to post #2

Anyone can advice if my monthly usage for isurance payment
Great Eastern around RM 1K and AIA around RM 300, which type credit card offer the b
est deal?

hong leong essentials

Aeon Watami, 3% for every quarter. Maximum up to RM 150 cash back which equals to RM 5000 spending per quarter.

Essential no 1% cb for insurance.. I tried before. Not stated in T&C but nvr receive the 1%

really? you didn't contact the cs?

Sound interesting Aeon Watami give 3% for every quater. Thanks for the recomendation.

Wow, if not mistaken, Watami last time only needs to spend rm3000 quarterly

she's talking about maximum rm5k. minimum still maintain at rm3k.

stray chat again. fruitie, post #61 until 68 should be moved to CC Recommendation topic.

and finally delete this post.

I think they revise the cash back rate, from 5% to 3%, right

i thought although this thread is named hong leong bank wise, other hong leong credit cards can be discussed as well?

so if swipe petrol RM50 x 9 times a month = not eligible

Yes, 10 times for RM50 is a MUST

Anybody tried buying Aeon vouchers at Aeon IOI mall Puchong lately? Is it classified as groceries?

If you can swipe petrol RM 50 for 9 times, I bet there are other options like mobile, utilities or groceries too..

above, from V5

I'm using Essential for my Prudential Insurance, so far I have never missed the 1% after receiving 3 statements. I think you should check with CS because the only exclusion category of retail transaction for Essential is Petrol based on TnC.

Besides that, I think Essential also use the same rounding mechanism as Wise, i.e. statement balance of RM50-RM149.99 will be entitled for RM1 cash rebate whereas RM49.99 or below will not be entitled for any cash rebate. My first statement was RM90 & I received RM1 cash rebate.

My insurance is etiqa, rm150.. The min rm100 criteria is for total purchases or rm100/per transaction?

Total balance on statement. My few retail transactions under RM100 were added together to be included in the cash rebate calculation.

Are we consider OT since there's no other suitable topics for this?

Yes, we OT.. We should stop here. Anyway, thanks for your info..LOL ^^

if u asking

there are only 2items use month than once a month

that is petrol

grocery a bit difficult

maybe if rm150, seperate pay 3 receipt

nanti cashier marah

orang queue belakang marah

If you use more than RM350 petrol, takkan you don't use toll? Reload Touch-and-go can be done at selected places under grocery (there's a whole topic on that).

But in general this card is not suitable if you're struggling to hit 10x RM50. Firstly because you may not get any rebate, but more importantly because your effective cash back drops a lot. If you can spend RM1k per month, you'll get RM1200 end of the year in cashback. Only RM500++ a month you'll get only about RM600++ end of the year. And you still need to subtract the annual fee (if you're lucky and have gold, that's RM169).

Effective cash back would be around 6.5++%, which is still better than anyone else, but may not be worth the hassle compared to Maybank Ikhwan's confirmed 5% (no annual fee) which may allow you to actually spend less. Or even Public Bank Visa Signature if you can qualify for it.

Make sure every month u have 10 x 50 transaction lar..

If not dun bother with this card..

There is a reason why it is call WISE Card hahaha..

Plan wisely ur transaction, I'm opting Utilities over Groceries due to Im paying my house electricity bill every month..

This post has been edited by t3arsCulprit: Oct 13 2015, 09:05 AM

guys,
why i never see anybody pay bills using hlb connect?

zero benefits.

Well, not all people are rich to get robbed by passing certain roads.
Like me even I have to waste 1 hour on coastal road, I better plan it early to avoid jams.

anybody has experience booking from agoda? do hong leong charge cross border fees?

i just want to fill up my 10xrm50 quota

What category you are using? For utilities and groceries, you can cash it out by helping others.
Like my groceries I'm doing like this, basically I can gain money from this also on top of the cash back gained.

i use toll

but satu kali reload rm200

takkan u mau pergi pakai credit card reload rm50 per week

yalar

wise people pay grocery at AEON RM300 with credit card 1shot

not RM50 swipe 6 times