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Hong Leong WISE Card

Enjoy 8% cashback when you spend above RM500 per month for petrol, groceries, and dining on the weekends.

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    RM100 /mth
  • icon Annual Fee
    Annual Fee
    RM 160

Key Features

  • Get up to 8% cashback
  • 8% cashback every month
  • icon groceries Groceries

    8% cashback every month
  • icon petrol Petrol

    8% cashback every month
  • icon utilities Utilities

    8% cashback every month

icon tag 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
  • Cashback Limit: Cumulative cashback of RM100 per month with a minimum of 10 transactions of RM50 and above per transaction

icon utilities Card Information

Annual Fee Free for the first year
Min. Monthly Income RM 2000
Min. age for principal holder 21
Fee for principal holder RM 160
Min. age for supplementary holder 18 years old
Fee for supplementary holder RM48
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
Rewards points expiry N/A

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Earn Cashback On Your Preferred Expenditure Categories!

Hong Leong WISE 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 Card?

To apply for Hong Leong WISE 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!