if this is the case... I will go to apply it. Anyone know where the HLB is setting booth? Go apply at booth can get free gift... Lolz

i get the offer every month too so maybe yes it's by invitation since you only get it now. I cannot validate on the deadline as I didnt keep track. I assume they are independent from one another due to different amount.

No idea where. Don't forget that this card charges annual fee.

have you try to call up to ask them waive it for u?

if u read and search back past posts, AF waiver is outright not possible for Wise.

I did called few years ago, but then I'm not calling anymore. Annual fee 99% can't be waived for this card.

may i know why ya? any strict condition stated there that AF is not possible to waive?
since it is not able to waive.... You guys just paying it? How much is it?

Wise card still available for application?

Looking at my statement now...
I have 9 Flexi Payment plans, one of them is on 12th month. Every one are in different month. And I applied another new one just now for RM2400. So this is my monthly routine.
And I got cash back from this 'FCY campaign', don't know what...

Yes, I pay the annual fee RM160 every year, since 2014. But I think they increase the annual fee for new card holders.

The rebate that you have gotten far beyond this RM 160 right?

Yes, RM100 every month.

that is alot.... If the bank is charging me RM 300 and yet giving me RM 100 per mth for a year. I am still earning RM 900

10% special rebate (max RM100) - from 1/11/18 to 31/12/18, transactions in foreign currencies.

I only apply via HLB Connect. To check monthly eligibility, login their portal frequently.


In this case, I try to apply permanent credit limit increase by submitting docs via HLB Connect. Hope they can increase my requested limit. haha


Voila!!! High 5 to you man! You're fully utilizing the benefits of 0% of 12 months installment every month. You must be a heavy spender..haha


HLB Wise annual fees (if not mistaken rm160) is non-waiveable. Pls take note. Been using for few years (get rm1200 yearly rebate versus rm160). Worth it.

WISE Platinum (Visa) - RM300
WISE Gold (Visa) approved before 1 Oct 2016 - RM160
WISE Gold (Visa) approved from 1 Oct 2016 - RM250
+GST / SST

I got more than >RM1200 cashback every year.
Including cashbacks from HLB-Giant, HLB Digital Day, HLB-FCY etc; HLB - 8% Ang pow yet to be released.

Thanks for the info. Although I don't remember what I spent, but yes, sometime we do get additional cash back.

Finally took the plunge last night and did it via HL Connect which has a higher amount.
My last statement date is 30/3/19, balance due=rm7150, due date:19/4/19.

This morning checked and found the amount already in last night itself.

08-Apr-2019 08-Apr-2019 FPP XFER N 8,256.00
08-Apr-2019 08-Apr-2019 FLEXI PAYMENT 01/12 688.00

The amount credited rm8256 will be considered as payment towards my balance due of rm7150 on 19/4/19, so dont have to pay anymore?
The balance of 8256-7150=1106 can be used as payment for the 1/12 repayment of 688.00?

This post has been edited by MGM: Apr 9 2019, 12:02 PM

I can't give you a very confirm answer. Buy I think yes, the RM8256 can cover the RM7150 bill. Usually for me, for example my statement is RM5000, I will take the Flexi Payment for RM2400, then I pay the balance RM2600. So I can clear the statement bill.
As for your 1/12 RM688, it will goes into the next month bill.

This post has been edited by ckuanglim: Apr 9 2019, 01:10 PM

if this is your first Flexi payment for this account, the answer is yes,

If no, u better call hong leong to tell whether need to pay or not.