I found that HLB online can pay using JOMpay with credit card
if i use JOMpay to pay my electric bill, will it consider under UTILITIES ?

thank you.

i am using UOBpayonline now, just wan to know if JOMPAY is under which category?

Someone mentioned before it is not but my colleague says yes, I also don't know who is correct.
In the end, I stick to the less fancy UOBPayOnline.

In CIMB thread, it was mentioned as 'Retail' instead of 'Online'.

For TNB， I will stick to payonline to make payment, sure UTILITIES

Yeah, I will prefer to stick to something which is confirmed rather than uncertainty and with the risk of losing CB and ending up spending more.

Not sure either.

Pay RM5 just to test it. You will know when statement comes. Then update us on the outcome.

yes, I understand this. but just like fruitie said, the conversion rate of cc/bank are very poor.
if i use the card ovesea, it will be charged to my card as MYR after conversion.
and i don't really spend much oversea to save money. maybe ill research more on the conversion rate/service fee etc before i cancel.
but mostly will cancel dy

yes. i agree this too.
but i have my backup cc which is no annual fee.

Oh....too sad to hear that .....
could it be due to i have 2 HLB card (Wise and Essential) or i call in before they charged me the AF?
Not too sure about it.

Let say if I apply for WISE supp card, will I still be able to receive cash rebate for both Principal and Supp although 2 cards will have diff categories?

cannot have different categories than principal

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.

Erm. Categories for supp are the same as principal and cash back is combined.

Using this card oversea got extra charges?

supp card will follow the same categories with principal.

Guys, how do you guys monitor whether if you have achieved 10 swipes of rm50? I find it difficult to keep track all the time and hongleong connect app is kinda useless

manually

Trace manually and check from HL Connect web.
I have an Excel sheet to track to ensure I have fulfilled 10 swipes and spent just enough RM 985.

Can add website that pay utilities and confirmed will get CB on the 1st or 2nd page so that it is easy for everyone to refer?

Such as payonline.uob.com.my, paybills.sarawak.gov.my, etc.

Thanks

Write down manually. It is tedious, painful, but to get the maximum cash back, I write down all the expenses daily on this card.

Allow me to share my experience with using HL Wise for overseas transaction recently in Bangkok. I have dining as one of my chosen category.

Merchant : THE FIFTH FOOD AVENUE BANGKOK TH
MCC : 5814
Amount in THB : 798
Transaction Date : 05 March 2016
Posting Date : 06 March 2016

Converted amount to MYR : 93.77
Based on this the exchange rate used by the bank would be 100THB = RM11.75. Before leaving Malaysia, I exchanged cash at money changer for 100THB = RM11.90 at USJ.

However there is a 2% Visa admin fee which brings the total charged to RM95.65. You will only get to see the total charged to your credit card in your statement. You would need to call up CS to get the converted amount to MYR before admin fee.

The 10% cash back is only for the converted amount and does not include the 2% admin charge. So the CB for the transaction would be RM9.38.

Overseas transaction posting are now also very fast as compared to a couple of years before when it took weeks.

Hope this information helps those who have questions about using HL Wise for overseas transaction.

This post has been edited by leonardchin: Mar 19 2016, 02:47 PM

I not sure about your case, but for my case the cashback is give based on the total amount after convert shown in statement. I believe the total amount already include all the admin charges with is 2.x% most of the times for my case in Singapore.

Well, I always use this HLB card to swipe here. Even take in consideration of all the admin charge, annual fee,etc.. I still can get roughly 5-6% effective cashback. Still not a bad card consider the credit card in sg are not as attractive as malaysia.