• Min. Monthly Income


  • Interest Rate

    15% p.a.

  • Balance Transfer

    6.99% p.a.

  • Annual Fee


Feature Highlights
  • Get up to 10% cashback on retail spending
  • Choose 2 from 9 retail spending categories to earn cashback in addition to cashback on mobile bills


  • 10% cashback every month


  • 10% cashback every month


  • 10% cashback every month (mobile)

Other Features

  • Other Categories

    • Pharmacies, dining, departmental stores, book stores, entertainment, travel, utilities (electricity and water)

  • Balance Transfer

    • 6.99% per annum for a tenure of up to 12 months

  • Instalment Plan

    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM160 (Free for the first year)
Min. Monthly Income RM2,000
Min. age for principal holder


Min. age for supplementary holder


Fee for supplementary holder RM80
Finance charges 15% p.a. – prompt payment for 12 consecutive months

17% p.a. – prompt payment for at least 10 out of 12 months

18% p.a. – if the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

RM3,000 per day

Cash advance charge

Higher of RM20 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

Cumulative cashback of RM100 per month with a minimum of 10 transactions of RM50 and above per transaction

Rewards points expiry


Product Review by iMoney Malaysia

Earn Cashback On Your Preferred Expenditure Categories!

Hong Leong Wise Gold Card offers 10% cashback on your preferred categories (2 out of 9 excluding petrol) of retail spending all year round. You are given the flexibility in switching among other categories anytime. For instances, pharmacies, dining, book stores, entertainment, travel, groceries, departmental stores, utilities and travel.

Fees and Charges

The annual fee for principal card is RM169.60 and RM84.80 for supplemantary card. The cashback limit is RM100 per month with a minimum of 10 trasactions (RM50 and above per transactions). Goods and Services Tax (GST) is included in the annual fee. Other than that, by settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) you get to enjoy a low finance charge of 15% per annum.

Are You Eligible For The Hong Leong Wise Gold Card?

To apply for Hong Leong Wise Gold Card, you need a minimum monthly income of RM2,000 and to be at least 21 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Hong Leong GSC Gold Card and Alliance Bank Gold Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Hong Leong credit cards and start comparing today!