good proposal, we'll wait for your good news after you cancel your card. deal?

definitely not under GROCERY, however i've not tried Wise there to test the MCC.

Revision on Hong Leong WISE Platinum and Gold Credit Card Terms and Conditions



Questions and Answers

Q: What is the change made to the WISE Credit Card spend condition?
A: The minimum 10x swipes with RM50 spend condition will be replaced by minimum RM2,000 posted retail spend in a calendar month effective 1 Oct 2016. All other existing features and conditions remain unchanged.

Q: Why did Hong Leong Bank make the spend condition change?
A: HLB made the spend condition change to improve simplicity and convenience. The WISE Credit Card is one of the most competitive programmes locally and this change is vital to allow us to continue to offer this programme.

Q: Does it mean that, regardless the number of swipes/transactions I perform, as long as I meet minimum posted spend of RM2,000, I will enjoy 10% cash back on chosen categories?
A: Yes, you are right. Please see illustrations below for better a understanding:-




Q: RM100 cash back over Total Spend of RM2,000 is up to 5% cash back, not 10%?
A: 10% cash back is calculated based on amount spent on your WISE chosen categories, not on Total Spend, for the month. It has always been WISE Credit Card product feature since it was launched. This feature remains unchanged effective 1 Oct 2016.

Q: With the 10% cash back, will I still enjoy up to RM100/month?
A: You will still enjoy up to RM100 cash back on your chosen categories. This feature remains unchanged effective 1 Oct 2016.

Q: What will happen to the categories I have chosen?
A: Your chosen categories remain unchanged effective 1 Oct 2016. You will continue to enjoy 10% cash back, up to RM100 if you meet the RM2,000 qualifying spend condition.

Q: My average spend per month on WISE Credit Card is RM1,000. How could I meet the minimum RM2,000 requirement?
A: WISE Credit Card gives out one of the highest cash backs. One way to meet the minimum RM2000 requirement is to consolidate all your purchases on your WISE credit card, for instance, pay for daily shopping, dining, groceries, insurance premiums, utility bills as well as enrol for auto-billing service.

Q: If I decided not to keep my WISE Credit Card, what option do I have?
A: If you find that the changed WISE Credit Card does not suit your needs, you are welcome to switch your WISE Credit Card to another credit card. No switching cost involved. Just give us a call at +603 7626 8899. We will be happy to assist you.


For a copy of WISE Credit Card new T&C, please click here.

If you wish to contact our Customer Relationship Officers, kindly drop us an e-mail at hlonline@hlbb.hongleong.com.my (no P&C information please) or you can call us at +603 7626 8899.

This post has been edited by cybpsych: Sep 10 2016, 06:56 PM

should get.

they just revised the minimum spending requirements, not stopping crediting cashback.

prorated of what? AF?

i just paid my AF 2 months ago.

then still acceptable.

based on other's feedback, you can transfer the earned cashback to other card's account (e.g. Mach). not sure about CASA though.

i know the revised requirements are not attractive.

i was answering to the cashback earned in Sep, whether we will get cashback in October.

the problem is whether YOLO's "online" transaction identification is identical to VOX's "online".

if same, then should be ok; else if it's as picky as CIMB CR (e.g. uobpayonline not eligible), then a bit tough to hit the 6% cb tier (min rm800 spending)

p/s: u get cb from astro using wise? also, yolo dont give cb for petrol wor.

This post has been edited by cybpsych: Sep 7 2016, 08:39 PM

please discuss the app elsewhere.

iori57, you already posted here yesterday, no need keep spamming your app at other topics.

agree and understand

if gonna spend 2k, perhaps can look at SC JustOne card disadvantage is steep AF at RM265 for Plat

call HLB CS and ask whether eligible under Mobile category.

however, dont tell them about phone. just say you were paying digi bills of RM310.

wait for your good news for cb earned in August.

actually the 2nd rumor matches on the requirements (min 2k), but effective date delayed from Sep to Oct

from t&cs, category and cb logic still the same. they only revise the 'cb activation' criteria.

think it the other way.

with this new requirement, effective CB goes to 5%. so where does the 'missing' 5% goes?

1st 1K pay those "dan lain-lain" spending, e.g. car service, insurance, etc etc
2nd 1K goes to category spending.

so, you got 10% for 2nd 1K (within categories), but 5% is actually indirectly paid for those 1st 1K (dan lain-lain) spending. that means your car service or insurance gotten 5% cashback, indirectly.

disadvantage is you need to manage 2 pools of RM1k spending in order to maximize it the cb.

well, that's just my view.

yes, not worth it if you have other cards to cover. very hard to hit 1k for 'dan lain-lain' spending.

that scenario only for niche users with very limited cards on hand to play around.

are you sure?

hlb combo cards cannot just cancel 1 card. u must cancel both. ppl previously already reported this.

if he/she can spend rm600 petrol per month, guess how many days his/her car can last per pump using Ikhwan?

citi cb petrol cb have cap. RM15 (RM300 spending) and RM20 (RM400) spending for Plat.

why not?

if you can consistently meet Wise's new requirements each month, then still good nonetheless.