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Credit Cards Hong Leong Bank Wise Credit Card V8, 10% Cashback , Up to RM100 per month

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ClarenceT
post Oct 9 2018, 10:20 AM

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QUOTE(ClarenceT @ Jun 1 2018, 12:37 PM)
Spent RM400 at Giant. Hope to get RM40+RM60 cash back!
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08-Oct-2018 08-Oct-2018 Giant 20% cash back (July 18) 60.00
08-Oct-2018 08-Oct-2018 Giant 20% cash back (June 18) 60.00

ClarenceT
post Oct 9 2018, 11:03 AM

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QUOTE(shmily86 @ Oct 9 2018, 11:00 AM)
huh? Izit diff card diff  MCC code? Hlb essential card fall under MCC  5968[I]
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HLB Wise not checking MCC for mobile category, only check the keywords - CELCOM, MAXIS, DIGI.

ClarenceT
post Oct 18 2018, 11:34 AM

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QUOTE(stevenkkh @ Oct 18 2018, 11:20 AM)
The cash back is based on monthly basis or our statement date?

Like my statement date is 15 Oct 2018, so means any spending between 15 Sept - 15 Oct 2018 will be consider as 1 month?
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HLB Wise?

Transactions POSTED on 1/9/18-30/9/18, must >RM2000, rebate on 28/10/18 (check on 29/10/18).
Transactions POSTED on 1/10/18-31/10/18, must >RM2000, rebate on 28/11/18 (check on 29/11/18).

P/S Not based on transaction date.
ClarenceT
post Oct 19 2018, 10:42 AM

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QUOTE(stevenkkh @ Oct 19 2018, 10:20 AM)
This is not high cash back actually if you compare in the market since min spending of RM2K and annual fees coming in place as basically you only get around 8%++ for relevant RM1K spending.

If ever you include the additional spending of RM1K, it basically means you get around 4%++ cash back for total spending of RM2K.

To me, this is a marketing business trying to make things complicated instead of showing you the real percentage of cashback.

In summary, this card now only suited for those using above RM2K including RM1K relevant spending to earn the full 8%++ cashback which is around 80 bucks per month in cashback.
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Hehe RM1k on BP/Insurance/Govt and RM1k real spending, RM1200 - (RM160+RM25) = RM1015 guarantee CB.
HLB suka-suka give money, I have got RM500 extra CB since January. rclxm9.gif
ClarenceT
post Oct 22 2018, 05:56 AM

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QUOTE(blackankh @ Oct 21 2018, 11:00 PM)
I spent on 17 June and 22 July but did not get anything....hmm...kena con..
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First-come-first-served basis.
You shall have spend on 1/6 and 1/7 if you wanted to win.
ClarenceT
post Oct 24 2018, 02:00 PM

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QUOTE(bee993 @ Oct 24 2018, 01:52 PM)
anyone get the cash from card offer? from 1.68% to 7.48% 6month - 36 month.

seem like good deal put it in FD and paid monthly???
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1.68% to 7.48% 6 to 36 month could be more than 4% per annum FD rate.
Different way of calculation. Don't compare Apple vs Orange.
ClarenceT
post Nov 1 2018, 10:37 AM

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QUOTE(nickocinde @ Nov 1 2018, 10:26 AM)
Don't try to be sarcastic, early in this month or early this month or anything is not important at all, the question is petrol cash back is not credited.
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You swiped at the counter or at the pump? When (September date)?
ClarenceT
post Nov 1 2018, 08:40 PM

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QUOTE(MGM @ Nov 1 2018, 08:21 PM)
MACH not included. ranting.gif
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PB VI/VS 10% last chance today!
ClarenceT
post Nov 9 2018, 11:40 AM

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QUOTE(eehtsitna @ Nov 9 2018, 11:32 AM)
Guys! Noob question here. If my statement balance is at -Rm300 this month (my mistake where i actually double paid for the previous statement), do i have to spend rm2300 to entitle for the rebate or do i have to spend rm1700 instead?

Thanks in advance.
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Monthly rebate scheme not related to statement balance and payments.
You just need to make sure the transactions POSTED in 1/11-30/11 (30 days) >=RM2000.
ClarenceT
post Nov 9 2018, 07:17 PM

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QUOTE(saitong09 @ Nov 9 2018, 07:14 PM)
Don't forget 1k on the selected categories
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Not required, but good to achieve RM100 CB.
ClarenceT
post Dec 6 2018, 03:46 PM

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QUOTE(Prop.Observer @ Dec 6 2018, 03:29 PM)
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Govt-related transactions (eg you pay income tax, govt bills, cukai tanah, cukai pintu etc) is always a part of my monthly spent >RM2000, either offline or online.

But Card Service Tax is not a Govt-related transaction, not offline - not online, but charged by Banks on behalf of Kastam.
Unfortunately Kastam don't give you a ST bill/invoice or a Kastam account then you pay at Kastam's website or counter!

This post has been edited by ClarenceT: Dec 6 2018, 03:46 PM
ClarenceT
post Dec 6 2018, 06:47 PM

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QUOTE(Prop.Observer @ Dec 6 2018, 06:18 PM)
Yes. Im totally agreed with govt. related transactions was part of RM2,000 spent in wise card. 
From my understanding government charges is not equal to government tax ? am i correct?
would like to use this point to argue with HLB in order redeem back RM100 CB.
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Tax is one of Government charges.
And, you can't pay the SST to Kastam directly.
ClarenceT
post Dec 7 2018, 11:07 AM

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QUOTE(lootservice @ Dec 6 2018, 07:41 PM)
beside than 2k /month, still need to swipe 10x like old time?
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It shall be Transactions POSTED in a calendar month >=RM2000.
To spend RM2000/month is not always right.
ClarenceT
post Dec 7 2018, 04:25 PM

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QUOTE(jutamind @ Dec 7 2018, 04:14 PM)
Need to register separately using SMS for this oversea spending promotion?
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Not mentioned.
ClarenceT
post Dec 7 2018, 05:22 PM

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QUOTE(jutamind @ Dec 7 2018, 05:11 PM)
meaning just spend in oversea and we'll be paid accordingly?
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https://www.hlb.com.my/en/personal-banking/...d-campaign.html

No way or No keyword I could register, so I will just spend and am expecting to get the extra CB, First-come-first-served basis.

ClarenceT
post Dec 13 2018, 08:45 AM

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QUOTE(zhi1437 @ Dec 12 2018, 09:51 PM)
Doea anyone know using Hong Leong Wise card to reload Touch n Go eWallet, what does it categorized?
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RM1000 X 0%
+ you spend another RM1000 in the 3 categories you choose.
ClarenceT
post Dec 13 2018, 09:12 PM

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QUOTE(addylee @ Dec 13 2018, 08:55 PM)
For wise card, what category to go for online shopping? If bigpay top up entitled?
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None, spend RM1000 on online* or BP/Boost (zero CB) + another RM1000 on 3 categories (10% CB) that you choose to get RM100 CB.

* unless you choose Travel / Departmental / Utilities / Entertainment.
ClarenceT
post Dec 18 2018, 05:56 PM

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QUOTE(#Victor @ Dec 18 2018, 05:53 PM)
Can I know which Hong Leong insurance product posted as CREDIT SHIELD PLUS in credit card statement? Just notice there is an CREDIT SHIELD PLUS charges posted in the statement where the cardholder never subscribe to this kind of service.
user posted image
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HLB telemarketer called you and you "accidentally" accepted his/her offer?
ClarenceT
post Dec 18 2018, 08:20 PM

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QUOTE(#Victor @ Dec 18 2018, 06:40 PM)
Don't think so, cardholder is a senior citizen that don't speak. Is there a product name CREDIT SHIELD PLUS in Hong Leong?
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https://www.hlb.com.my/en/personal-banking/...ult-211118-left

I received the offer from 03-27195999 last month but I rejected it. Maybe he/she didn't understand what the telemarketer offered.
ClarenceT
post Dec 19 2018, 07:07 AM

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QUOTE(#Victor @ Dec 18 2018, 10:56 PM)
Can't find the policy document for the product? How is the amount charged or is it a fixed amount?
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I didn't ask.

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