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

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1mr3tard3d
post Jun 1 2022, 12:13 AM

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QUOTE(contestchris @ May 31 2022, 10:33 AM)
Even the basic cashback for HLB Wise is pretty good (8% on weekends capped at RM15 across 4 categories, with low min spend of RM500).

I'm quite liking it. Only issue is the annual fee of RM98.
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the non-waivable annual fee should not be an issue
if your spending on those 4 categories are around RM 200 each per month, (RM 720 - RM 98 - RM 25) / RM 9,600 ~ 6% cashback
the close runner up would probably be public vs, quantum / maybank amex

This post has been edited by 1mr3tard3d: Jun 1 2022, 12:19 AM
1mr3tard3d
post Sep 23 2024, 04:02 PM

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QUOTE(newtunes @ Sep 23 2024, 02:27 PM)
Now in between choosing wise or essential.
Based on posted, seems like wise is not able to waive annual fee.
My other family member got one essential card, auto waive after spending x amount or number of swipe.
But seems unable to find it from HL website cited essential has auto waive.
If cannot have auto waive, might as well get wise.
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how did u end up comparing these two cards? sounds like comparing apple with orange
fundamentally different cashback benefit (spending category, spending amount, cashback cap)
user posted image

i would pick whichever provides the highest anticipated return: cash back - annual fee - service tax
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