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

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jcst83
post Sep 3 2016, 11:01 AM

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QUOTE(sendohz @ Aug 12 2016, 02:31 PM)
I don't think it's possible because both different entity.
Well you can always give it a try.

Luckily i'm enjoying 5% CB through online transaction all the while so this changes won't disrupt my payment method.
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QUOTE(fruitie @ Aug 12 2016, 02:37 PM)
Yeah, I will call them when I have made my decision. smile.gif

I can also get 5% but coming from 10% to 5% does make difference somewhere. blush.gif Since Sam's no longer accepts ePay bill payments with CC, then I will have to stick to 5% then, better than nothing. laugh.gif

TnG reload, not really an issue for me. Worse comes to worst, TnG Hub is also very near to me, I just reload there with any of my AEON cards and pay with PosOnline. Earn 3% - 3.3% plus it doesn't come with any service charge which is another good thing for not deducting RM 0.53 from my balance. laugh.gif
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hi, can i know which cc or method that u all use for the 5% CB at least... sad.gif
thanks if can reply...
jcst83
post Sep 20 2016, 06:23 PM

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QUOTE(LostAndFound @ Sep 20 2016, 10:48 AM)
Your preference is unimportant unless it has basis in actual pro/con. The fact is taking AF into account you get less than 5%. And that having multiple cards can give you more than the total rebate of WISE, without the minimum spending cap. And yes low spenders can spend different amount in different months, which is not possible with WISE.

Here we just want to get the best benefits from our cards. Almost no-one remained loyal to OCBC Titanium card, nor to Maybank2Kard Amex (this one more because at least still has some benefit), nor to AEON Watami. This change with WISE means the benefits are now less than various 5% cards, so why not use those instead?

If you sure meet the 2K minimum with regular spend then keeping this card may make sense (as long as you don't forget AF in your calculation). For those that will be spending more just to hit it, then cut the card. So hard to understand?
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If a person able to spend more than 2k with the rebate categories they select, i suggest to keep the wise card instead. Just dont care about that only get RM100 on 2k spend then calculate AF less than 5%....

With spend only 1k at wise then remaining use other card like that able to give rebate(MBB ikhwan or CIMB CB).
For the remaining 1k can try to find other non rebate categories to fill it, example insurance and some gov payment (with only sacrificing your RM1 x1 point or x5 point) if cannot meet 1k then adjust from the spending that give lower rebate.
of coz with condition spend 2k and above a month..

anyway, it just my 2 cents..smile.gif
jcst83
post Oct 5 2016, 10:46 AM

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Damn, the Jompay is so efficient that all my bill paid at 30th Sept posting at same day even my transaction made at 10pm 30th sept....aduh... sweat.gif

This post has been edited by jcst83: Oct 5 2016, 10:46 AM
jcst83
post Oct 5 2016, 10:58 AM

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QUOTE(fruitie @ Oct 5 2016, 10:53 AM)
Oh, you so you got cash back on 28th Sept ya? Good good. Then, I will terminate. biggrin.gif
Doesn't make sense.
I hope you are aware that JomPay doesn't give any cash back.
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ya, i aware of that, just want to reach my 2k spending for my oct spent... mean, im gona spent more again for this month....sad.gif... wasted...

 

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