请问各位 hongleong bank wise card 好用吗？

钢铁忍者

crazydrive 发表于 12-6-2020 05:52 PM
接近5张了，老大

@_@"
接近5了？比我大？

crazydrive

钢铁忍者 发表于 12-6-2020 06:33 PM
@_@"
接近5了？比我大？

哈哈，承让承让。。。。

莫名其其妙

刚上网查了，这卡太烂了，根本骗傻子，Mimimum spending RM 500, x cash back 8% = RM 40，可是一个月cap才RM 18。倒算回来，其实cashback 才 3.6%，根本就是玩文字游戏骗那些没读书的人。
我用maybank amex, 5% cashback on weekend，一个月cap RM 50。
平时weekday就用public bank quantum， 5% cashback on any paywave，一个月cap RM 30。
两张卡都没有annual fee，没有minimum spending，这两张才叫好用。

allstar4950

莫名其其妙 发表于 12-6-2020 11:05 PM
刚上网查了，这卡太烂了，根本骗傻子，Mimimum spending RM 500, x cash back 8% = RM 40，可是一个月cap才RM 18。倒算回来，其实cashback 才 3.6%，根本就是玩文字游戏骗那些没读书的人。
我用maybank amex, 5% ca ...

rm18 cap是 分别 petrol ，croceries，dining 。所以只限于 weekend ，如果一个月少过 500 cashback 就 变成0.25%
maybank amex 好像不错，小弟去研究研究下 ，谢谢你的意见

我是亡灵

一样是min 500，这卡只有周末才有8%
相比之下觉得citi backback (100－10)10%比他来得好用
如果打油不多citi比较适合

allstar4950

我是亡灵 发表于 15-6-2020 10:35 AM
一样是min 500，这卡只有周末才有8%
相比之下觉得citi backback (100－10)10%比他来得好用
如果打油不多citi比较适合

有年费吗？

Love_Happiness

不好用啊， 8% 的 cash back 其实真正并没有扣到8%..打算切了

allstar4950

Love_Happiness 发表于 30-6-2020 02:28 PM
不好用啊， 8% 的 cash back 其实真正并没有扣到8%..打算切了

怎么说呢？

Love_Happiness

allstar4950 发表于 1-7-2020 12:12 PM
怎么说呢？

我有察觉到，就算我上个月花费超过RM500,不过particular 的catergory weekend 花费也没有给我cash back 8%.
只给我all retail RM1.00.

outstarman

莫名其其妙 发表于 13-6-2020 12:05 AM
刚上网查了，这卡太烂了，根本骗傻子，Mimimum spending RM 500, x cash back 8% = RM 40，可是一个月cap才RM 18。倒算回来，其实cashback 才 3.6%，根本就是玩文字游戏骗那些没读书的人。
我用maybank amex, 5% ca ...

它一个月的cap 是 18+18+18+ unlimited, 请参考图片。
我觉得还不错，每个月可以拿 RM54 加 一点点的电费回扣，电费在很多处付款都没有回扣，这张卡还有 0.25%.

莫名其其妙

outstarman 发表于 9-7-2020 03:05 PM
它一个月的cap 是 18+18+18+ unlimited, 请参考图片。
我觉得还不错，每个月可以拿 RM54 加 一点点的电费回扣，电费在很多处付款都没有回扣，这张卡还有 0.25%.

dining里面还有分catogories的，不是任何一间餐厅都有的cash back，官方网站给的dining是

MCC: 5811/5812/5814。

就算一个月maximum cap RM 54，实用性还是太低了，而且又有太多限制又有annual fee。

根据bank negara规定，正常情况下，一个人只能持有两种credit card，我不会浪费自己的quota在这张卡上。
以下是官方提供的cash back dining outlet，建议大家先查看下面有没有自己常去的outlet，不然申请了却用不多，又要白白给annual fee。
Groceries我就不找给你们了，毕竟groceries 基本上都可以用amex，cash back capped RM50更实用

Foodpanda - KL
3 Little Pigs & The Big Bad Wolf-Bangsar
30 Thirst KTV & Lounge - Bukit Tengah, Penang
385 Prawning & Cafe - MP
Akamomiji Japanese Restaurant - Ipoh
Allegro Cafe - PJ
An Viet - Paradigm Mall
Antipodean - Bangsar KL
Asian Kitchen (Taste of Asia) - LCCT
Austin Chase Coffee - Sunway Giza
Awet Thai Café - Bandar Puteri, Puchong / Cheras
Aza Aza Starvil Korean Cuisine & BBQ Restauraunt - Bayan Lepas
B.Bap Korean Food - Nu Sentral
Bar-B-Q Plaza - Main Place / Paradigm Mall / Sunway Pyramid
Basil Pasta House - KL
Baskin Robbin - Atria / Avenue K / Bandar Puteri Puchong / Bangsar / Pavilion Kl / Sungai Dua, Penang
BBQ Thai - Old Klang Road
Bei Zhan - Melaka
Ben's - Pavilion KL / Publika
Beyond Veggie - USJ Taipan
Bisou Bake Shop - Bangsar Village KL
Black Canyon - AEON Taman Maluri
Black Canyon - Penang
Black Canyon - Sunway Velocity Mall
Boat House - One City Mall
BreadFruits - Desa Sri Hartamas KL
Bricks & Barrels - Ipoh
Brotzeit - Midvalley
Brussels Beer Cafe - Jaya One
Bubba Gump Shrimp - The Curve
Buddies - IOI City Mall
Bumbu Desa Indonesian Restaurant - Mid Valley
Buns and Meat - Lake Fields
Burger King - 1 Utama / KL Sentral
Burgerbyte - Damansara Perdana PJ
Café Espresso - LCCT
Caffe Bene - Sunway Pyramid / IOI Mall / Jaya Shopping Centre
Canton-I - 1 Utama
Carl's Jr - Midvalley / Sunway Pyramid
Causeway Bay Restaurant - One City
CF Home Made - Mid Valley
Charlie Chaplin - One City
Charms - 1 Utama
Chicago Rib House - 1 Utama
Chicken Plus - Sunway Velocity Mall
Chili Espresso - Sooka Sentral
Chili's Bar & Grill - 1 Utama / KLCC / Midvalley / Paradigm Mall / Sunway Velocity Mall
China House - Penang
China Town Dessert - Pandan Indah
Coconut Flower Restaurant - Telok Gong
Coffee Bean & Tea Leaf - Bangsar Village II KL
Coffee Bean & Tea Leaf - Giant Shah Alam
Coffee Bean & Tea Leaf - Jaya 33 PJ
Coffee Bean & Tea Leaf - Kinta City
Coffee Bean & Tea Leaf - Pavillion KL
Coffee Bean & Tea Leaf - Plaza Low Yat KL
Coffee Bean & Tea Leaf - The Curve
Coffee Bean & Tea Leaf - Tropicana City Mall
Coliseum - The Gardens
Contango Restaurant - The Majestic Hotel
Copa de Vino Tapas Bar - UEP Subang Jaya
Cravings Restaurant - 1 Utama
Crazy Crabs - Ara Damansara
Crocodile Farm - SS2, PJ
Da Sa Rang Korean BBQ - Subang Jaya
Daorae Express - Paradigm Mall
Daorae Korean BBQ - Bandar Puteri, Puchong / Ipoh De Gardens
Dave's Deli - 1 Utama
De Foodland Restaurant - Kepong
DeGut's Cafe & Restaurant - Viva Home
Delifrance - Midvalley
D'empire Brasserie - Main Place USJ
DePastry - Setapak
Deutsches Gasthaus 5 - Kepong Menjalara
Din Tai Fung - 1 Utama / Pavillion / The Gardens
D'Legends Bar - TTDI
Dome - Gleneagles / The Curve / The Garden
Domino's Pizza Online Ordering Payment
Dong Men - Old Klang Road
Dragon Door Inn - Cheras
Dragon-i - 1 Utama / Bukit Indah, JB / Pavilion / Sunway Pyramid / The Curve
Dubu Dubu - 1 Utama
Dubuyo - Sg. Wang
Edo Ichi Japanese Cuisine - Island Plaza
El Cerdo - Jln Changkat KL
Epicuro Café - Damansara Uptown
Equatorial Restaurant - Tanjung Aru Plaza
Esquire Kitchen - Sunway Velocity Mall
Esquire Kitchen - Tesco Puchong
Esquire Kitchen - Tropicana City Mall
Fa Ying by Rama V - Paradigm Mall PJ
Fat One Steamboat - Sunway Mentari
Ferringhi Coffee Garden - Batu Ferringhi
Ficelle Boulangerie Patisserie - Taman Desa
Fish & Co. - Subang Jaya / Paradigm Mall
Fisherman’s Grill Restaurant - Sg Ara
Flying Chillies - The Gardens Mall
Food & Tea - Kinta City Ipoh
Food Lovers Cafe - Kota Kemuning
Fook Loy Restaurant - Kajang
Forest Bamboo Veggie - Kepong
Four Seasons - Empire Subang
Four Seasons Tea Restaurant - Sunway Tunas, Bayan Lepas
Franco - Midvalley

莫名其其妙

莫名其其妙 发表于 10-7-2020 09:13 AM
dining里面还有分catogories的，不是任何一间餐厅都有的cash back，官方网站给的dining是MCC: 5811/5812/5814。就算一个月maximum cap RM 54，实用性还是太低了，而且又有太多限制又有annual fee。
根据bank nega ...

还有，但是有字数限制，剩余的自己上网查把
Fresca Mexican Kitchen - Mid Valley
Frisson Coffee Bar - Damansara Uptown
Gao Ren Guan - Puchong / SS15 Subang
Garage 51 - Bandar Sunway
Go Gung Korean Restaurant - The Gardens
Go Noodle - 1 Utama
Gogiya Korean BBQ - Kota Kemuning
GoGung - Empire Shopping Gallery
Golden Diner Seafood - Shah Alam
Grand Imperial Restaurant - 19 USJ City Mall
Han Room - Midvalley Megamall
Hao Ke Japanese Sukiyaki - Bandar Puteri
Haven Harbour - Penang
Healy Mac - Straits Quay Penang
Hinz Mama - Menjalara Cheras
History Bistro - Ipoh
Hokkaido Ichiba - The Gardens
Hokkaido Sushi - 1 Utama
Home Made Fish Head Noodle (美味園) - Midvalley
Hometown Cafe - USJ 21
Hometown Hainan Coffee - Sunway Velocity Mall
Hometown Steamboat - Subang Jaya
Hong Kee Restaurants - Tmn Connaught KL
Hong Kong Sheng Kee Restaurant - 1 Utama
Hong Kong Sheng Kee Restaurant - Sunway Velocity Mall
Hui Lau Shan - IOI City Mall
Hup Kee - Kuala Lumpur
Hyotan Japanese Restaurant - Subang Jaya
I Love Ori - One City Mall
Ichiban Boshi - Pavillion KL / Publika
Ichiban Ramen - AEON Taman Maluri
Ichiban Ramen - Sunway Velocity Mall
Ichiro - Subang Jaya
IKEA Restaurant - Cheras
IKEA Restaurant - Selangor
Inaho Sushi - One City
Ingolf's Kheipe German Restaurant - Tg. Bungah, Penang
Italiannies - The Curve
Italiannis - Empire Shopping Gallery
J.L. Gourmet Cafe - Penang
Jibby & Co - Empire Subang
Joe Joe Restaurant - Viva Home
Jogoya Restaurant - 1 Utama / AEON Jusco Prai / Starhill, KL
Johnny Rocket - Sunway Velocity
Johnny Rocket - The Curve
Johnny's Restaurant - Setia Alam Mall
Johnny's Restaurant - Subang Jaya
June's Kitchen - Permas Jaya, Johor
K Fry Urban Korean - Holiday Villa, Johor Bahru
K Fry Urban Korean - IOI City Mall
Kampachi - Hotel Equatorial, Penang
KD Hong Kong Restaurant - Tropican City Mall
Kechara Oasis - Jaya One
Kelantan's Delight - Sooka Sentral
Kenny Roger's Roasters - 1 Utama / KL Sentral / Leisure Mall / Sunway Velocity
KFC - Giant Bdr Kinrara / Bukit Raja Shopping Mall, Klang / Bercham Ipoh / Midvalley
Khrua Thai - Subang Jaya
Khuntai Restaurant - Petaling Jaya
Kiew Brothers - Petaling Street
Kim Gary - 1 Utama / Gurney Plaza
Kimchi Korean Restaurant - Tropicana City Mall
Kimchiharu - Jaya One / IOI Boulevard
Kissaten - IOI Boulevard
Kluang Station - Quill City Mall
Kluang Station - Tropicana City Mall
Kopitime Café - Atria Shopping Gallery
Koryo-Won Korean Restaurant - KLCC
Krispy Kreme - Sunway Pyramid
Kyochon - MyTown, KL
La Cocina Restaurant - Taipan USJ
Lagenda Cafe - Georgetown
Lala Chong Seafood - PJ
Lavender Bistro - 1 Utama / Johor Bahru
Lemon Garden Cafe - Shangri-La Hotel KL
Library - Cheras Leisure Mall
Little Fat Duck - MyTown Shopping Centre
Little Journeyman - Penang
Little Nyonya - Queensbay Mall
Little Penang Cafe - The Curve PJ / Midvalley
LK Western & Fruit Tea - Penang
Lohas Lifestyle Cafe - Kota Kemuning
Loong Kee - Jalan Alor
Madam Kwan - Empire Subang
Madam Kwan - KLCC
Malones Irish Restaurant & Bar - Sooka Sentral
Mama Sayang Vegetarian - Off Jalan Klang Lama, KL
Manhattan Fish Market - Sunway Velocity Mall
Manila Place - Gurney Plaza
Manmaru Robatayaki - Atria Shopping Gallery
Maple Palace - Penang
Marche - The Curve
Maria's Steak Cafe - Damansara Perdana
Matsu Sushi Waterfront - Port Dickson
Medifoods - Subang Jaya
Mercato - Pavillion KL
Miam-Miam / Franco - 1 Utama
Mizi Bistro - Penang
Moi Lum Restaurant - Singapore
Morganfield's - Empire Shopping Gallery / Gurney Paragon
Mr Chizu - Cheras Leisure Mall
Mr Dakgalbi - SetiaWalk
Mum Nyonya Cuisine - Penang
Muugu Garden Bistro KL
Nadeje - 1 Utama
Nando's - IOI Mall / KLCC / Midvalley / Nu Sentral / Oaradigm Mall / Publika KL / Sunway Giza
Naughty Babe Dirty Duck - Sri Hartamas
Neway - Queensbay Mall
Nihonkai - Sunway Mentari
Nippon Yataimura Japanese Restaurant - 1 Utama
Nosh - Bangsar KL
Nutmeg Café - Bangsar Village II KL
NY Steak Shack - IOI Putrajaya Mall
Nyonya Village - Melaka
O'Briens Irish Sandwich - 1 Utama / Empire Shopping Gallery / Nu Sentral / Sg. Nibong / The Curve
October Munich (former Overtime) - Penang Autocity
Oh-Sushi - Ipoh De Gardens
Oiso Korean Traditional Cuisine & Café - Bangsar South
Old Town White Coffee - Bandar Puteri Puchong
Old Town White Coffee - IOI Mall
Old Town White Coffee - Jaya One
Old Town White Coffee - M Boutique Ipoh
Old Town White Coffee - Melaka Raya
Old Town White Coffee - Oasis Square
Old Town White Coffee - Sri Permaisuri KL
Old Town White Coffee - Viva Home
Old Western Cowboy Steak - Desa Petaling
OldTown White Coffee Signature - 1 Utama / IOI Mall
Ole-Ole Bali - Empire Shopping Gallery / Sunway
Onde-onde - Citta Mall
Oriental Bowl Restaurant - KL
Outback Steak - Nu Sentral
Oversea Restaurant - Ipoh / Jalan Imbi, KL
Overtime - Sunway Giza

Love_Happiness

莫名其其妙 发表于 10-7-2020 09:13 AM
还有，但是有字数限制，剩余的自己上网查把
Fresca Mexican Kitchen - Mid Valley
Frisson Coffee Bar - Damansara Uptown
Gao Ren Guan - Puchong / SS15 Subang
Garage 5 ...

我已经打算cut 卡了

游记分享

钢铁忍者 发表于 11-6-2020 06:27 PM
年费没得waive哦，以前有用，过后割了，累啊。用着Maybank Barcelona + HL ESSENTIAL
给我，没有年费就是王道。
你们就不懂了。

请问HL ESSENTIAL cash back 好像 没有capping的是吗？，打个比方如果用30000, cash back  是不是 （7000*0.4%) RM28 + (23000 * 1%) RM230 = RM258 ？

piscess16

游记分享 发表于 24-8-2020 10:59 AM
请问HL ESSENTIAL cash back 好像 没有capping的是吗？，打个比方如果用30000, cash back  是不是 （7000*0.4%) RM28 + (23000 * 1%) RM230 = RM258 ？

对的~用的多的话，也是蛮划算的~

钢铁忍者

游记分享 发表于 24-8-2020 10:59 AM
请问HL ESSENTIAL cash back 好像 没有capping的是吗？，打个比方如果用30000, cash back  是不是 （7000*0.4%) RM28 + (23000 * 1%) RM230 = RM258 ？

应该吧，不好意思，我没有研究。主打是MayBankFCB 。

游记分享

piscess16 发表于 24-8-2020 12:31 PM
对的~用的多的话，也是蛮划算的~

用多还是不错的，可惜没像fortune card 好就是了

游记分享

钢铁忍者 发表于 24-8-2020 01:12 PM
应该吧，不好意思，我没有研究。主打是MayBankFCB 。

没关系，谢谢

piscess16

游记分享 发表于 24-8-2020 02:41 PM
用多还是不错的，可惜没像fortune card 好就是了

信用卡rebeta也是算是Bonus，银行给的，就自己算算每个月固定的花费，配合使用，也算是额外奖励~
所以不用纠结~

看自己花费，那张卡符合，就用那张就行啊~

游记分享

piscess16 发表于 24-8-2020 04:26 PM
信用卡rebeta也是算是Bonus，银行给的，就自己算算每个月固定的花费，配合使用，也算是额外奖励~
所以不用纠结~

看自己花费，那张卡符合，就用那张就行啊~

嗯， 对。有就当成 bonus 就是了