HLB WISE Credit Card’s New Features effective 1 October 2021
Kuala Lumpur, 9 September 2021
HLB WISE Credit Card’s New Features effective 1 October 2021
Dear Valued Cardholders,
Effective 1 October 2021, we will be enhancing the HLB WISE Credit Card features. Earn up to 8% cashback on more spend categories, introducing popular Online Spend merchants and Essentials with your new WISE Credit Card:
Minimum Spend/ month (posted transaction) |
Spend category |
Eligible Merchant Category Code (MCC) and/or Merchants |
Transactions performed on Weekdays |
Transactions performed on Weekends |
Maximum Cashback per month |
|---|---|---|---|---|---|
RM500 |
Online Spend (New) |
Note: applicable to e-wallet top ups and food delivery transactions as well |
Enjoy 1% Cashback |
Enjoy 8% Cashback |
RM15 |
Groceries & Essentials (Enhanced) |
|
Enjoy 1% Cashback |
Enjoy 8% Cashback |
RM15 |
|
Petrol |
|
Enjoy 1% Cashback |
Enjoy 8% Cashback |
RM15 |
|
Dining |
|
Enjoy 1% Cashback |
Enjoy 8% Cashback |
RM15 |
|
Others |
|
Enjoy 0.25% Cashback |
Unlimited |
||
Below RM500 |
All |
|
Enjoy 0.25% Cashback |
RM1.25 |
|
Frequently Asked Questions (FAQs):
Q: What are the key changes to the WISE Credit Card?
A: Summary of changes are as below:
Current WISE Credit Card (before 1 October 2021) |
New WISE Credit Card (effective 1 October 2021) |
|---|---|
|
|
|
|
Q: How are Weekends and Weekdays defined?
A: Weekdays refer to Monday, Tuesday, Wednesdays, Thursdays and Fridays whilst Weekends refer to Saturdays and Sundays.
Q: How do I qualify for the 8% cashback on the 4 spend categories?
A: You must meet minimum spend of RM500 (posted transactions) for the month. If you do not meet the minimum spend, you will earn 0.25% cashback on all spending.
Q: Will my e-wallet top ups and food delivery transactions qualify for 8% cashback?
A: Yes, spending(s) on e-wallet top ups and food delivery services from the listed Online Spend merchants will be awarded with 8% cashback if you meet the minimum monthly spend of RM500 (posted transactions).
Q: If I performed a Petrol transaction on a Sunday and the transaction posted on the following day which is a Monday, does it mean I only enjoy 1% cashback on Petrol?
A: You will enjoy 8% cashback because you performed the transaction on a Weekend if you meet the minimum monthly spend of RM500 (posted transactions).
Q: How are cashbacks on Weekdays and Weekends calculated?
A: If you meet the minimum monthly spend of RM500 (posted transactions), here is a sample illustration:
Spend Categories |
Transactions Performed on Weekdays |
Transactions Performed on Weekends |
Total Eligible Cashback (RM) |
Remarks |
||
|---|---|---|---|---|---|---|
Spend (RM) |
Cashback (RM) |
Spend (RM) |
Cashback (RM) |
|||
Online Spend |
50 |
0.50 (1%) |
100 |
8 (8%) |
8.50 |
Within RM15 cap |
Groceries & Essentials |
50 |
0.50 (1%) |
300 |
24 (8%) |
15 |
Capped at max RM15 |
Petrol |
100 |
1 (1%) |
300 |
24 (8%) |
15 |
Capped at max RM15 |
Dining |
50 |
0.50 (1%) |
100 |
8 (8%) |
8.50 |
Within RM15 cap |
Others |
20 |
0.05 (0.25%) |
30 |
0.08 (0.25%) |
0.13 |
Unlimited |
Total |
270 |
2.55 |
830 |
64.08 |
47.13 |
Total eligible cash back is RM47 (rounded to the nearest Ringgit Malaysia) |
Note: Total posted transaction for the month = RM270 + RM830 = RM1100
Q: Is there any changes in annual fees?
A: No. The annual fees remain the same (RM98 for Principal, RM48 for Supplementary).
Q: I already own an existing WISE card. Will I be receiving a new card replacement?
A: No, there is no card replacement. The change is simply a product feature change to your existing WISE card.
If you wish to contact our Customer Relationship Officers, kindly drop us an e-mail at hlonline@hlbb.hongleong.com.my (please do not provide any private and confidential information).