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Credit Cards Hong Leong Bank Wise Credit Card V6, 10% Cashback , Up to RM100 per month
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cybpsych
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Oct 9 2015, 11:48 AM
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QUOTE(epie @ Oct 9 2015, 10:37 AM) 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  if cannot meet 10xRM50 by month end, then don't spend a cent on it. dont force unnecessary spending. preplan for Nov spending instead
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cybpsych
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Oct 9 2015, 01:28 PM
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Hong Leong Bank Credit Cards: Now you can choose your own rewardHLB | T&Cs (EN) | T&Cs (BM) | T&Cs (CN)
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cybpsych
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Oct 9 2015, 07:25 PM
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QUOTE(fruitie @ Oct 9 2015, 06:34 PM) 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.  what's ur total category?
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cybpsych
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Oct 9 2015, 10:49 PM
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QUOTE(fruitie @ Oct 9 2015, 10:26 PM) What did you mean? My current spending? Besides these two transactions, I have spent RM 650.  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.
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cybpsych
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Oct 9 2015, 11:00 PM
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QUOTE(fruitie @ Oct 9 2015, 10:56 PM) 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
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cybpsych
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Oct 9 2015, 11:13 PM
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QUOTE(fruitie @ Oct 9 2015, 11:09 PM)  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
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cybpsych
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Oct 9 2015, 11:19 PM
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QUOTE(fruitie @ Oct 9 2015, 11:15 PM) 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.
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cybpsych
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Oct 10 2015, 08:50 AM
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QUOTE(fruitie @ Oct 10 2015, 12:52 AM) 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.epThen, I can reload for my mum.  Edit: Never mind, saw this post and yeay.  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:
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cybpsych
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Oct 10 2015, 10:42 AM
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QUOTE(janson_kaniaz @ Oct 10 2015, 09:32 AM) useful info. can add that on 1st page? will need ronnie's help to add to post #2
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cybpsych
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Oct 11 2015, 11:39 AM
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stray chat again. fruitie, post #61 until 68 should be moved to CC Recommendation topic.
and finally delete this post.
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cybpsych
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Oct 12 2015, 11:02 AM
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QUOTE(ronnie @ May 29 2015, 08:54 AM) AEON Voucher purchase under SMKT will be in AEON IOI MALL Puchong QUOTE(alchmiya @ Oct 12 2015, 10:41 AM) Anybody tried buying Aeon vouchers at Aeon IOI mall Puchong lately? Is it classified as groceries? above, from V5
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cybpsych
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Oct 13 2015, 06:44 PM
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QUOTE(epie @ Oct 13 2015, 05:55 PM) guys, why i never see anybody pay bills using hlb connect? zero benefits.
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cybpsych
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Oct 14 2015, 07:55 PM
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QUOTE(twhong_91 @ Oct 14 2015, 07:50 PM) 10% Cashback only applicable to 2 selected categories + Mobile (by default) so if i select perol and utilities + mobile by default? so 3 of these combine together for a minimum of RM50 for 10 times per month i will be entitled for the 10% cashback? Mobile always default. Petrol and Utilities are your chosen categories. min RM50 x 10 times is for ALL types of transactions. however, we always recommend to swipe these 10x within your categories: Mobile+Petrol+Utilities to maximize cashback.
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cybpsych
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Oct 14 2015, 07:57 PM
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QUOTE(Prop.Observer @ Oct 14 2015, 05:12 PM) The thing is i dont have maxispay acc and UOBpayonline acc. Can it done by hl connect(HL online system)? i've no idea how HL connect it look like. I assumed HL connect is something similiar to maybank2u.com that everything can be done by online. I usually paid digi or maxis bills via maybank2u by MBB 2 card. It's harassless free and got 5% rebate last time. uobpayonline account is FREE. maxispay account is FREE. you dont even need to have Maxis account to use it, that's the beauty of it! I registered maxispay and use my Wise to pay someone else's Maxis postpaid
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cybpsych
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Oct 14 2015, 08:14 PM
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QUOTE(twhong_91 @ Oct 14 2015, 08:04 PM) so if celcom broadband considered as mobile? i paid Celcom Postpaid via UOBPayonline, yes under Mobile. not sure about other channels, i read someone paid in Celcom Online Customer Service, also Mobile, but wasnt sure what service.
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cybpsych
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Oct 16 2015, 03:48 PM
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QUOTE(cybpsych @ Apr 29 2015, 05:05 PM) . | Category | Spend | 10% Cashback | | Mobile | RM 325 | RM 33 | | Cat A | RM 325 | RM 33 | | Cat B | RM 335 | RM 34 | | Total | RM 985 | RM 100 |
That means, spend a cumulative total of RM985 to achieve RM100 cashback, effective rate is about 10.15% i've simulated the calculation (on paper), you need to all 3 categories to achieve highest cashback rate with the lowest spending  QUOTE(mamamia @ Oct 16 2015, 03:08 PM) i remember i c someone posting, spent RM985 to get RM100 cashback.. if RM985, u will only get RM99 cash back right? correct me if i'm wrong i just hit perfect RM985.00 in September  waiting for RM100 cashback later this month  This post has been edited by cybpsych: Oct 16 2015, 03:53 PM
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cybpsych
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Oct 17 2015, 11:27 PM
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QUOTE(kelvinlzy @ Aug 5 2015, 01:25 PM) I paid SADA bills through M2U as UOBpayonline does not cover it. Got 10%, no problemo. QUOTE(leo_kiatez @ Oct 17 2015, 05:57 PM) Anyone successful to add HLB Wise into maybank online, M2U as additional favourite credit card? I received an email mentioned my request was rejected. Btw, anybody had added this Wise CC & paid for unifi/STREAMYX & received 10%rebate for utilities? As I know, in M2U; IWK, SYABAS, TNB, TELEKOM/UNIFI is under Utilities payment... :-P one more verified is SADA.
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cybpsych
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Oct 18 2015, 09:10 AM
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QUOTE(kelvinlzy @ Oct 18 2015, 08:02 AM) Wait, can you pay IWK, Telekom/Unifi using Wise thru M2U in the first place? he was asking the same question as yours la. he thought utilities payees listing in m2u == listing for 3rd party card bill payment (which is very limited) so far, ppl confirmed TNB/SYABAS via uobpayonline, and surprisingly SADA via m2u.
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cybpsych
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Oct 18 2015, 11:17 AM
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QUOTE(kart @ Oct 18 2015, 08:45 AM) By now, the pin you received is still temporary one, not permanent? By look of it, it is unavoidable to go to the Hong Leong ATM to insert WISE credit card, and to generate the permanent pin. Yes, permanent pin is not needed for now, as pin-based transaction is not fully implemented in Malaysia. Still, I want to get it done now. After activating the card, can we straight way call the Customer Support to change the statement date? I will definitely not be using this card till next month, because it is next to impossible for me to spend 10 X RM 50 in the remaining half month of October. last i checked, the bill dates are 1 2 3 4 5 7 11 16 17 19 20 22 23 25 26 29 30 31 i prefer my bill date and PDD, payment due date (bill date + 20 days) falls within same month, so it's easy to track. if cross month, sometimes the PDD ±1 day, messes up my notifications
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