Anyway, came back from Sam's Groceria Nu Sentral after having lunch at Sam's Deli.


This is the notice.
Checked with cashier ePay includes bills payments, TnG reloads and mobile reloads.
Doomed day.

not really...
lets say u got RM100 cash back per month out of 2000 spending per month, this is consider 5% cash back, which everyone knows...

then u forgot annual fee RM169.6 assuming u using gold card, not platinum card...
all those cash back minus the annual fee, how many % cash back per month left?

just fyi...  

groceries: ikhwan/One
petrol: ikhwan/One (spend on weekends)
mobile : One
insurance: Essential

benefit more?

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

https://www.hlb.com.my/WISE
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.
https://www.hlb.com.my/main/assets/files/wi...c-en-160906.pdf
3. Terms and Conditions of the Programme
The term “Eligible Retail Transaction” shall refer to any retail purchase transaction made locally and overseas, including online transactions which are charged to the WISE Card (both Principal and supplementary WISE Cards) but EXCLUDES the following transactions:
(i) cash-type transactions including but not limited to Cash Advances, Cash-On-Call and Balance Transfers;
(ii) Cash-On-Call transactions;
(iii) fees and charges including but not limited to charges for cash withdrawals and cash payments, annual fees, interest and/or finance charges, disputed transactions, government
charges and any other kind of charges and penalties;
(iv) installment conversion transactions including but not limited to Flexi Payment Plan;
(v) fund transfers (from or to HLB’s account whether by HLB or third party);
(vi) disputed transactions that are subsequently reversed from the account of the Cardholder
My understanding is auto debit insurance and online purchase are retail spending. I think online purchase like LAZADA, AirBnb, AirAsia, etc...

u r slightly wrong...the calculation is this.

RM1,030.40 / ( RM24,000 + RM 169.60 ) = 4.26%.....

The RM169. 60 is paid by the cash back.

we're human with emotion and attachment

everytime with the end of a good credit card benefits (e.g. OCBC Ti, M2C Amex, HLB Wise, UOB VOx, etc.), we're experiencing these...


now, most of us already in stage 6-7, finding alternative cards and moving on

Just to share more info I just got from CS about the new Wise terms:

1. My annual fee is due in Dec. I asked if it would be charged per normal or if waiver is possible. They said no waiver and if I don't want to pay, then better don't use card near the anniversary date. Guess I'm not as lucky as others .

2. The 2k retail spend covers almost everything except those specifically listed. From 1 August,  HLB  cards (including my Fortune) changed terms such that government and Jompay are excluded from receiving cashback. However, this exclusion does not apply to Wise 2k retail spend criteria. So, if you spend 1k on Wise categories and 1k on government (including DBKL, LHDN,  MPPJ etc) it will fulfil the 2k criteria.

On related note, Pos Online MCC is 9402 (government). Because of this, I did not qualify for cashback on my Fortune card in a August.

fees and charges including but not limited to charges for cash withdrawals and cash
payments, annual fees, interest and/or finance charges, disputed transactions,
government charges and any other kind of charges and penalties;

May I confirm whether payment to Insurance Co via JomPay is eligible for RM2,000 retail spending criteria?

Also about DBKL, LHDN, MPPJ, as I read from Clause 3(a)(iii):
Does government charges here mean something like RM50 GST previous which has been abolished? 

Would probably call the CS next week to clarify on this.

Need to refer to T&C:

Since previous poster said that the MCC is now marked as government,, there is still a risk there.

I suppose u are not a PBB VS cardholder, otherwise u can get up to rm200 CB.

When I called HLB CS (at least 3 different CS, at different times, ever since the Wise terms were revised), they kept telling me that LHDN, DBKL and Pos Online etc still fall within the definition of "retail".

Perhaps someone else can also call to confirm my understanding? Better to have verification from different sources, just in case people miss out the whole month's cashback if certain transactions are excluded from the RM2,000 threshold.

Next month is my last month of WISE, and I will be using RM1,000 solely for POS Online and RM1,000 for qualifying categories.

Me too. JUST did my last ever WISE transaction. RM1,000 TNB bill. Was so happy that I didn't have to swipe RM50 x 10 this time.

Finally, a black and white confirmation

So lucky. Already started in sept n she got it now, not too late. Wonder how hlb choose participants. Is it true only those infrequently used CC are invited?

Anyone know which place using HLB credit card terminal at KL area that can post the transaction by today? My friend short of RM200 for Nov spending..

Or anyone has use HLB WISE card for Air Asia booking? How many day will it take? My friend swipe on Monday (28 Nov) night, until today not posted yet... so, she force to swipe extra to avoid late posting for her AA transaction..

Paid via HLB Connect right?

Here's the combination:

PBB Visa Signature (groceries, online bill payment, dining), UOB Yolo (for online bill payment & dining if PBB card's rebate is maxed out), Aeon Big (petrol on Sunday)

No minimum spend of RM2,000 needed and no annual fees

Cashback is actually higher using the combined PBB, Yolo, Aeon Big cards. PBB's cashback is at 6%.

With wise you get 5% only if you spend exactly RM1000 in eligible categories and another RM1,000 in any category. If you spend more than RM2k, your cashback is less than 5%

In the end it comes down to your spending habits. If you can't spend 2k a month, Wise doesn't work

which other CC combination can beat WISE card for spending categories below.

- Groceries $500
- Petrol $250
- Maxis (mobile) $250
- Dining $100
- Insurance $600
- TNB $100
- Syabas $50
- Astro $100
- TM Streamyx $60

Since WISE change the TnC to RM2K, I have not missed rm100 cash back charging the spending above to WISE.

please recommend if there is combination of CC which give better rebate. I sure cancel WISE when annual fee coming.

With so many cash back cards available nowadays and less spending requirement, and no annual fee, wonder why people still keep this card