Hong Leong Bank Wise Credit Card V1 | V2 | V3 | V4 | V5 | V6 | V7 |



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: Mar 15 2016, 12:29 AM

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: Jun 28 2016, 01:49 PM

I know FAQ says petrol over-the-counter not considered Petrol category, but does it fall into any of the other categories?

thanks Ronnie for the new thread..
I will need to cancel my wise card soon. annual fees will be charge on april 2016.

it will fall into 5541 (service stations).

you can't maximise the rm1.2k yearly cb?

May I know what is the reason you process to cancel ??

sometimes hit 100, sometimes 7x... and sometimes is pay bill for others with rebate 10% to them.
so cancel and apply on next year for free gift

I don't' want to pay AF 160 ma . will use my sis wise card.

Up to 1% unlimited cash back

With your Hong Leong Essential Credit Card, you always get something back. Whenever you use it for shopping, dining, travelling or anything else, you'll enjoy up to 1% cash back on your purchases. And there's no cap on how much you can get.

0.6% unlimited cash back on insurance transactions
Other retail transactions:
0.6% cash back on first RM5,000 spend (tier 1)
1% unlimited cash back on subsequent spend (tier 2)

-------------------------

anyone here can confirm the first RM5k have 0.6 % then 1% on subsequent spend is based on monthly basis or yearly basic (accumulated)? TQ

Every month if you can hentam them 60-70, you should keep it. Whatmore you sometimes hentam them 100.

I read somewhere that someone manage to top up TnG card using HLB Wise cc and get the rebates. How to do so?

most common is to do it at mydin and sam groceria.

All Spending & the Cash Back will Calculate on Monthly basis.

This post has been edited by fly126: Mar 15 2016, 02:11 PM

u got the CB around 1k in 1 year and u cant pay rm160 to thanks hlb giving this card?

what if next time u cant reapply again for this great card?
please re consider..

RM160 only takes you 2months to breakeven but you have to wait even longer (6 months?) before you can apply again.

Hi,

Just to check with your guy. I try to register the UOB PayOnline for TNB information. I manage to enter the No.Akaun number but I can't find the Bill No. information. Latest TNB statement don't have Bill No right? Or which information is Bill No.

Appreciate your help.

Thanks

Winson

anyone know how long is the cool down period for HLB?

I use invoice number.

cool down for what?

Refer to this thread: https://forum.lowyat.net/index.php?showtopic=3757650
First you must choose groceries category.

noien
Cool down period to re-apply Wise card I guess

It's called cooling period.

cooling period. mistake

yup correct. any info

mistake.
got answer for cooling period??

6 months

noien
Because of avoiding the AF rm160, you may lost more than rm600 cb

lol poor english

This post has been edited by saitong09: Mar 15 2016, 11:11 PM

thanx

i just need another person to apply for it. then i can save the AF. family members would be the best

Good planning, alternatively switch between 2 persons

but they have the right to reject your application. and you may regret especially when you desperately need it by the time.

Looks like HLB is running out of budget for promo lately. So quiet.

i can wait even longer for the cooling period .say like a year. and i m holding their essential and mach.so i think it wouldnt be difficult to get it bk.
1 wise for the whole family is more than enough.haha

Don't cancel 1st until the 2nd card approved

Still waiting for the 30% dining cash back.

Wait for them to finish tabulating 30% dining cashback promo first. Hopefully 30% groceries & dept store & dining cashback will come again like previous year. Fingers crossed....

Very unusual for them to be this slow...

Haha..i am waiting to see what kind of promo you talked about previously and now no promo

https://m.facebook.com/TNBCareline/posts/805040456176282

fyi, bill number is not needed to be correct when u pay using uob payonline., as long as your acc # corect.

You may also access TNB online at https://e-services.tnb.com.my/eservices

Once you logged in, you will see the Bill No, too. But like cipher3344 has mentioned, you only need your account number to be correct.

anyone try tao japanease cuisine? it is under dining?
thanks

Do update https://forum.lowyat.net/topic/3711577 when you found out the MCC for this restaurant.

where is this restaurant located?

IKR, last time the first 2 week winner lists came out despite the campaign is still undergoing.


Tried it back in May using Mach, its under dining.

Kota Damansara, Juru Auto City, Times Square Penang

juru auto city have it? i always go isshin only. next time will find tao.

Just change job, guess I'll need to wait for 3 months. Or there's any way that I can apply ?

If you have a consistent monthly records of EPF contribution for up to 1 year, you can apply regardless if you change job or otherwise.

Is it? I thought they would need my payslips and they would make calls to the company I'm working for? Isn't that the standard procedure?

It's good to hear it. I'm going to the Tao at Juru autocity.


yes.. I'm going to the Tao at Juru autocity.

When i apply new credit card at a shopping mall, I only provide my IC for EPF statement printing. No salary slips were ever being requested.

I doubt anyone carries their salary slips to every shopping mall they go in case they need to apply credit card.

Make sense?

it's the same.. just submit the latest 3 month pay slip + EPF will do.

Thank....I think so

which side? nearby isshin?

Credit cards, they seldom make calls to companies one.
Loan yes.

Well if is in shopping mall, yes. But I don't see any wise card temp booth around any shopping mall. I missed the wise card booth at paradigm previously. I had to go to Hong Leong Bank to apply..

So they don't call to companies? If I move to company B, use company A payslips is applicable too?

Nah, I seldom receive calls from banks regarding to credit cards. Always for loan only.
Why not if that's what you have?

Sien Liao.. So if I go bank, only bring EPF statement and form enough?

What's wrong of bringing the payslip and tell them you just changed your job?

Belphegorbring along with the offer letter

Nothing wrong la. I just worried that they might not accept.

Ohhh.. Eh not bad.. I never thought of that.

the min 10x RM50 transaction, can i split my TNB bill to 10x RM50 and consider fulfill the criteria?

yes

hi guys, may i know what are the ways to apply for this card? any application form? thanks

leave your contact at the website and the sales staff will call you.

Posting on separate post.

Update on my case of being charged the statement fee. From HLconnect, the staff claimed that I have requested for both hardcopy and softcopy. When I asked them to furnish proof, the next reply is asking me which transaction that I want to extract. I have already sent 3 post telling them to revert the fee but all skirted the question.

Damn it, can't the staff read and understand properly before replying nowadays.

So I wanna check, any of you guys receiving the usual monthly hardcopy statement without being slapped with the fee? Wanna confirm whether the fee is for the normal hardcopy statement or extra printing request.

I am only interested in softcopy. So, never charged for statement.

Agree on the mangkuk staffs - I sent in query on my transaction. Was told to provide my email for reply. Don't understand why they can't reply on the message they replied to me. Anyway, to provide them the email, I need to compose a new query. So I did and provided the email. Then the CS replied again saying to get the info breakdown, I need to provide them email. I got so frustrated I copy the whole thread of message asking them how many times they want the email. Then only finally the read the content carefully. But then, they reply in the inbox of HLB Connect. Why the hell did they ask for my email in the first / second place anyway??!

This went about for more than a week, with each reply from them taking 2-3 working days. And the last one, almost 2 weeks.

This post has been edited by laymank: Mar 17 2016, 11:13 AM

I faced the exact same situation previously! One staff named Farah asked me to send an email. After sending a detailed email with case number and attn: to Farah, I get an email reply asking what is that about..and guess what..by Farah!

if swipe less thn x10 times no cashback ?

No CB if swipe RM50 less than 10 times

to be exact, min rm50 x 10 times per posting date in a calendar month. otherwise 0%...

to be accurate, must swipe 10 times of minimum rm50 each for ANY retail transaction and get posted within 1st to 30th of the month.


in order for CB start kick in.

and this month's CB only reflect on every 28th following month.


did u read the 1st post? this is the basic u should know in your fingertips when u start apply this wise card.

Must it be retail? Can it be online pay?

can

Online is also considered as retail too.

I read thru this topic stated annual fee can't wavier, i try make a call to customer service just now, they said can do waiver if i do an additional swipe 6 times transaction with any amount within this month (my card due on Apr 2016) then will do waiver for me. Is anyone experience this? can trust or not?

no black and white hard to trust...

What was your spending history? For the past 11 month, u have every month 10x RM50, or card idle for long time never use?

I used it every months (full cash back earning). My spending is about 1k++ per month.

joining HLB today, just now went to bank applied 3 cards from HLB
WISE Gold
GSC Plat
Visa Infinite

u try and let us know?

mine going to be 1 year soon. hence im going to cancel the card dy to avoid paying annual fee.

Then i mar become "white mice" for this forum

But, i will call them again end of the month after 6 swipe just to play safe...
Hopefully it's true.......

for greater good for the society!

thanks!

In any case, u cannot terminate now, as your February cash back only will be credited end of the month, right?
Since no min amount for the 6 swipes, go supermarket buy small item and swipe all the 6x. Bread RM2.50 also can mar

First of all, are you getting full cash back every month? If yes, what card will you switch to that will give you the same cash back?
Second, will you apply again for this card after cancellation? If yes, what if HLB rejected your application?

full CB every month.

not other card can match wise! not even have mind to change!


wont cancel this card.. even charged anual fee.. even if annual fee is rm500...

as long as u hold wise...u wont have any problem miss CB or get rejected earn CB....

why alot people want terminate wise?
cant understand...

apply this card is earn cash back...at the moment u terminate.. your purse forever missing rm100 note..

If it is RM 500, then is too much for me.

how u ask? threaten terminate? beg hard? knee down?


if so good to be true... u are number 1 get waiver in 2016 in Malaysia and number 1 forumer get waive...

teach some technique la...

Well, somebody did post here before for 50% AF discount.

i have wise + supp
tried to waive the AF for both, unsuccessful
asked CS to cancel supp maintain principal
next day retention dept called and offer life time free supp card, reason "promotion"
i keep the supp

i have 2x supp wise... lifetime foc.

main problem is pricipal.....

Principle or Supp?