Lowyat.NET -> Finance, Business and Investment House -> Credit Cards, Debit Cards, Prepaid Cards and Loyalty CardsCredit Cards Hong Leong Bank Wise Credit Card V8, 10% Cashback , Up to RM100 per month
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 Aug 27 2018, 11:53 AM
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Junior Member
357 posts Joined: Oct 2013 
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This card is losing benefits each day with this new combination of SST, no card point and annual fees and min spend 2k.
Any card from HLB that can be better than this card as of now? Seriously considering in leaving all of my HLB's list of cards with SST coming....... This post has been edited by stevenkkh: Aug 27 2018, 11:55 AM |
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Aug 27 2018, 12:01 PM
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All Stars
14,944 posts Joined: May 2015
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QUOTE(stevenkkh @ Aug 27 2018, 11:53 AM) This card is losing benefits each day with this new combination of SST, no card point and annual fees and min spend 2k. Spend RM1000/month on 3 categories and get back RM98/month nett (in average), less Annual Fee RM160 and ST RM25.Any card from HLB that can be better than this card as of now? Seriously considering in leaving all of my HLB's list of cards with SST coming.......  So spend RM12,000 to get RM991... 8.3%, Quite good! This post has been edited by ClarenceT: Aug 27 2018, 12:02 PM |
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Aug 27 2018, 12:54 PM
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Junior Member
356 posts Joined: Sep 2005 
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QUOTE(ClarenceT @ Aug 27 2018, 12:01 PM) Spend RM1000/month on 3 categories and get back RM98/month nett (in average), less Annual Fee RM160 and ST RM25. Correction : AF for new applicants is now RM250.So spend RM12,000 to get RM991... 8.3%, Quite good! Use BP on other categories RM1k to qualify for min spend 2k criteria once u spend min 1k on selected categories. Avg RM90x12-250-25=805 a year |
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Aug 27 2018, 12:57 PM
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All Stars
14,944 posts Joined: May 2015
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QUOTE(Morning_Star @ Aug 27 2018, 12:54 PM) Correction : AF for new applicants is now RM250. You can accumulate RM3000 and withdraw once at service charge RM6. So RM98 instead of RM90/month.Use BP on other categories RM1k to qualify for min spend 2k criteria once u spend min 1k on selected categories. Avg RM90x12-250-25=805 a year |
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Aug 27 2018, 02:05 PM
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Junior Member
44 posts Joined: Mar 2013
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I had the Sutera card and redeemed some item with rewards point. Anyone know what courier they use to send the item? They just sms me with something like "Your HLB redemption is sent on xx/xx/xxxx via CNN[number]."
what courier is that? the CNN is the tracking number or something? not much info from the sms. |
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Aug 27 2018, 07:06 PM
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Junior Member
357 posts Joined: Oct 2013
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QUOTE(ClarenceT @ Aug 27 2018, 12:01 PM) Spend RM1000/month on 3 categories and get back RM98/month nett (in average), less Annual Fee RM160 and ST RM25. This is not fully accurate with minimum RM2K spending, if you have some other card to fully redeem RM2K spending to atleast 5% cashback, this percentage is way lesser to even half.So spend RM12,000 to get RM991... 8.3%, Quite good! |
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Aug 27 2018, 07:16 PM
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All Stars
14,944 posts Joined: May 2015
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QUOTE(stevenkkh @ Aug 27 2018, 07:06 PM) This is not fully accurate with minimum RM2K spending, if you have some other card to fully redeem RM2K spending to atleast 5% cashback, this percentage is way lesser to even half. Charge RM1000 to Bigpay and Boost then withdraw with a service charge of RM6/2. It is meaningless to say this quasi-cash transaction I can enjoy better rebate rate if I use other credit cards.So I just need to spend another RM1000 only. |
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Aug 27 2018, 07:46 PM
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Junior Member
357 posts Joined: Oct 2013
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QUOTE(ClarenceT @ Aug 27 2018, 07:16 PM) Charge RM1000 to Bigpay and Boost then withdraw with a service charge of RM6/2. It is meaningless to say this quasi-cash transaction I can enjoy better rebate rate if I use other credit cards. Nope, it is already been done on my side actually with different combination of credit card:So I just need to spend another RM1000 only. PB Visa Sign - 6% - RM38 cap - RM640 PB Quantum - 5% - RM30 cap - RM600 Maybank AMEX - 5% RM50 cap - RM1000 with 5X TP  If I want to use BigPay and Boost, I can get other cashback also for the so called RM1000 spend like maybe: Maybank Barcelona Card - 2% - RM50 cap instead to get RM20 cash back. Trying to keep finding the best |
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Aug 27 2018, 08:12 PM
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All Stars
14,944 posts Joined: May 2015
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QUOTE(stevenkkh @ Aug 27 2018, 07:46 PM) Nope, it is already been done on my side actually with different combination of credit card: I am paying electricity RM1000 every month...PB Visa Sign - 6% - RM38 cap - RM640 PB Quantum - 5% - RM30 cap - RM600 Maybank AMEX - 5% RM50 cap - RM1000 with 5X TP :thumbsup: :thumbsup: :thumbsup: :thumbsup: If I want to use BigPay and Boost, I can get other cashback also for the so called RM1000 spend like maybe: Maybank Barcelona Card - 2% - RM50 cap instead to get RM20 cash back. Trying to keep finding the best :thumbsup: HLB Wise - RM98 rebate (RM83 after adjustment) PB VS+WM - RM60 M2 Amex - RM50+(RM2 TP) Which one is the best? This post has been edited by ClarenceT: Aug 27 2018, 08:14 PM |
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Aug 27 2018, 08:12 PM
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Senior Member
4,508 posts Joined: Aug 2005 From: Klang/Shah Alam
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is this thread for all Hong Leong card or just wise card only?
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Aug 27 2018, 08:17 PM
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All Stars
14,944 posts Joined: May 2015
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QUOTE(skty @ Aug 27 2018, 08:12 PM) is this thread for all Hong Leong card or just wise card only? Originally Wise only, but other HLB CCs tumpang now. |
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Aug 27 2018, 08:19 PM
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Senior Member
4,508 posts Joined: Aug 2005 From: Klang/Shah Alam
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QUOTE(ClarenceT @ Aug 27 2018, 08:17 PM) Originally Wise only, but other HLB CCs tumpang now. because i can't find other HLB cc other than Mach thread in this forum.I'm officially a Fortune card holder starting today   |
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Aug 27 2018, 09:17 PM
Show posts by this member only | IPv6 | Post
#3793
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Junior Member
357 posts Joined: Oct 2013
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QUOTE(ClarenceT @ Aug 27 2018, 08:12 PM) I am paying electricity RM1000 every month... If your only spending is RM1K then wise card is for you with bigpay.HLB Wise - RM98 rebate (RM83 after adjustment) PB VS+WM - RM60 M2 Amex - RM50+(RM2 TP) Which one is the best? |
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Aug 28 2018, 11:16 AM
Show posts by this member only | IPv6 | Post
#3794
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Junior Member
339 posts Joined: Jun 2017
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QUOTE(ClarenceT @ Aug 27 2018, 08:12 PM) I am paying electricity RM1000 every month... HLB Wise - RM98 rebate (RM83 after adjustment) PB VS+WM - RM60 M2 Amex - RM50+(RM2 TP) Which one is the best? QUOTE(stevenkkh @ Aug 27 2018, 09:17 PM) If your only spending is RM1K then wise card is for you with bigpay. Case by case basis, but i think ClarenceT method is better. Top up BigPay then withdraw to activate 8%+ cashback, max 1k spending. Lumped the relevant expenses to it to get RM83 then using other cards for online/dining to enjoy other cashback too. Total absolute cashback / effective cashback rate is still higher due to Wise card. Of course the spending needs to be higher too to maximise the cashback. |
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Aug 28 2018, 08:31 PM
Show posts by this member only | IPv6 | Post
#3795
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Senior Member
4,404 posts Joined: Jun 2012  
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QUOTE(skty @ Aug 27 2018, 08:19 PM) because i can't find other HLB cc other than Mach thread in this forum. https://forum.lowyat.net/topic/2161445I'm officially a Fortune card holder starting today |
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Aug 28 2018, 11:00 PM
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Moderator
9,301 posts Joined: Mar 2008
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QUOTE(skty @ Aug 27 2018, 08:19 PM) because i can't find other HLB cc other than Mach thread in this forum. https://forum.lowyat.net/topic/2161445/allI'm officially a Fortune card holder starting today |
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Aug 28 2018, 11:05 PM
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Junior Member
277 posts Joined: Aug 2018
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QUOTE(skty @ Aug 27 2018, 08:19 PM) because i can't find other HLB cc other than Mach thread in this forum. True, this card is much better than its premium card. hlb sucks on premium card and i put it inside drawer to collect dustI'm officially a Fortune card holder starting today |
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Sep 1 2018, 08:42 AM
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Senior Member
1,367 posts Joined: Jan 2003
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Hi, anyone who applied hong leong credit card on 7jul18,
successful get RM477 rebate already? seems like no new from them |
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Sep 1 2018, 09:05 AM
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Senior Member
6,429 posts Joined: Jun 2005
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QUOTE(sl3ge @ Sep 1 2018, 08:42 AM) Hi, anyone who applied hong leong credit card on 7jul18, Thought it should be 7 biz days from ur first txn?successful get RM477 rebate already? seems like no new from them |
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Sep 1 2018, 02:32 PM
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Senior Member
1,367 posts Joined: Jan 2003
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QUOTE(mamamia @ Sep 1 2018, 09:05 AM) Thought it should be 7 biz days from ur first txn? Not receive anything   |
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