8% cashback on weekends!
Your personal information is protected by the PDPA
Haven’t received a message from us?
Chat on WhatsApp now We respect your privacy and we are committed to handle your personal information safely and responsibly
Min. Income RM2,000 /month Annual Fee RM98 Cashback up to 8% Balance Transfer From 0% p.a. Easy Payment Plan From 0.88% p.a. Interest Rate 15% p.a. Interest-free 20 days
Get 8% weekend cashback on petrol, groceries and essentials, online and dining transactions when you spend above RM500 monthly, capped at RM15 per category. For the weekdays, you'll get 1% cashback on the same spending categories. Moreover, all spending below RM500 in a month earns you 0.25% cashback capped at RM1.25 per month.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| Petrol (Weekends) | 8% | RM15 | from RM500 or above monthly on weekends only |
| Online Spend (Weekends) | 8% | RM15 | from RM500 or above monthly on weekends only |
| Groceries & Essentials (Weekends) | 8% | RM15 | from RM500 or above monthly on weekends only |
| Dining (Weekends) | 8% | RM15 | from RM500 or above monthly on weekends only |
| Others (Any MCC or merchants not defined above) | 0.25% | uncapped | from RM500 or above monthly |
| Petrol (Weekdays) | 1% | RM15 | from RM500 or above monthly |
| Online Spend (Weekdays) | 1% | RM15 | from RM500 or above monthly |
| Groceries & Essentials (Weekdays) | 1% | RM15 | from RM500 or above monthly |
| Dining (Weekdays) | 1% | RM15 | from RM500 or above monthly |
Existing Hong Leong credit cardholders, enjoy 0% interest and low one-time upfront fees of either 3% or 5% for 6 or 12 months. Alternatively, you can also opt for a fixed monthly interest of 7.99% p.a. or 8.99% p.a. for repayment periods of 6 or 12 months. As for new Hong Leong credit cardholders, you get 4.99% p.a. interest with no fixed repayment period. Terms apply!
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a. and 3% one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 5% one-time upfront handling fee | from RM1,000 |
| 6 months | 7.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 12 months | 8.99% p.a. and no one-time upfront handling fee | from RM1,000 |
From 1 January 2024 to 30 April 2024, enjoy promotional rates as low as 0.88% p.a. for up to 18 months of repayment tenure. Alternatively, you can opt for a fixed 8.99% p.a. interest for up to 36 months. Terms apply!
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 3 months | 0.88% p.a. and no one-time upfront handling fee | RM500 |
| 6 months | 2.18% p.a. and no one-time upfront handling fee | RM500 |
| 12 months | 3.18% p.a. and no one-time upfront handling fee | RM500 |
| 18 months | 3.88% p.a. and no one-time upfront handling fee | RM500 |
| 6 months | 8.99% p.a. and no one-time upfront handling fee | RM500 |
| 12 months | 8.99% p.a. and no one-time upfront handling fee | RM1,000 |
| 18 months | 8.99% p.a. and no one-time upfront handling fee | RM1,000 |
| 24 months | 8.99% p.a. and no one-time upfront handling fee | RM2,000 |
| 36 months | 8.99% p.a. and no one-time upfront handling fee | RM2,000 |
Easy Payment Plan Hong Leong Flexi Payment Plan Make your retail purchases anywhere and anytime with a flexible instalment of up to 36 months. Take the heat off paying for that hot ticket item! Balance Transfer Plans Hong Leong Balance Transfer Consolidate all your credit card outstanding debts! Open to new and existing credit cardholders, transfer a minimum of RM1,000 with low-interest rates!
Hong Leong Wise Gold credit card now offers a high cashback of 8% on petrol, groceries and essentials, online and dining categories spent over the weekend with a total cashback of RM15 per category.
What's more – you will enjoy unlimited 0.25% cash back on other transactions such as Insurance, Utilities, Mobile and more!
Do note that Government and JomPAY transactions are not eligible for cashback.
You are qualified for the cashback when you charge a minimum of RM500 retail transaction to your Hong Leong Wise Gold per month.
| Minimum Spend >=RM500/month | PETROL | GROCERIES & ESSENTIALS | ONLINE | DINING | OTHERS |
| Weekday | 1% | 1% | 1% | 1% | 0.25% |
| Weekend | 8% | 8% | 8% | 8% | 0.25% |
| Cash Back Capped | RM15 | RM15 | RM15 | RM15 | RM1.25 for spending below RM500 Unlimited for spending RM500 and above |
| Minimum Spend | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
As the top 4 spend categories are pre-selected for you, switching spend categories will not be available.
If your monthly spending is less than RM500, you will still receive 0.25% cashback with a monthly cap of RM1.25.
You may be wondering, "If I performed a Petrol transaction on Sunday but the transaction is only posted on Monday, does it mean I only enjoy 1% cash back on Petrol?"
You will enjoy 8% cash back because the transaction is performed on a Weekend (Sunday).
Do remember that the eligibility of an 8% cash back is to have the total posted transaction meet the minimum spend of RM500 per month.
Here's an example:
| Spend Categories | Weekdays | 1% Cash Back | Weekends | 8% Cash Back | Total Cash Back | Capped Remarks |
| Petrol | RM100.00 | RM1.00 | RM300.00 | RM24.00 | RM18.00 | Capped at max. RM15 |
| Groceries | RM50.00 | RM0.50 | RM50.00 | RM4.00 | RM4.50 | Within RM15 cap |
| Dining | RM50.00 | RM0.50 | RM100.00 | RM8.00 | RM8.50 | Within RM15 cap |
| Others @ 0..25% Weekdays & Weekends | RM20.00 | RM0.05 | RM30.00 | RM0.08 | RM0.13 | Unlimited |
| TOTAL | RM220.00 | RM2.05 | RM480.00 | RM36.08 | RM31.13 | |
Total Posted Transaction for the month is RM220 + RM480 = RM700 (exceeding the minimum spend of RM500/month requirement).
In the event you do not meet the minimum spend of RM500 (posted transaction) per month - you will enjoy 0.25% cashback on all spending and all categories excluding Government and JomPay transactions.
Hong Leong Wise credit card offers a wide range of merchants who are eligible for cashback.
You wouldn't have to limit your choices at petrol stations with Hong Leong Wise Gold.
The cashback is available for petrol transactions at automated fuel dispensers at any petrol station nationwide.
Bear in mind that your petrol transactions at the cashier counter will not be eligible for petrol cashback because the transactions may include other purchases such as food and drinks.
If you're looking for a dining or grocery credit card, Hong Leong Wise Gold gives you the best cashback rate at 8% and this applies to all dining outlets and grocery stores such as Giant, Cold Storage, Jaya Grocer and Mercato.
Understanding the financial needs of credit card cardholders, Hong Leong Wise Credit Card also has a balance transfer feature.
This tool is very useful if you want to consolidate outstanding balances from other credit cards or charge cards into one credit card for easy management and to save on interest payments.
Hong Leong Balance Transfer plan offers two (2) choices either with a one-time upfront fee of 3% or 5% for up to 12 months or as low as 7.99% p.a. and 8.99% p.a. fixed interest for 6 or 12 months tenure.
You can transfer outstanding balances of at least RM1,000 from as many as three cards under this programme.
Most people nowadays use credit cards to pay for expensive purchases so that they do not have to fork out a huge amount of cash on the spot.
More importantly, many credit cards offer FPP to allow cardholders to pay for their purchases over time. This Hong Leong credit card is no exception.
Under the Hong Leong Bank FPP, Hong Leong cardholders can enjoy low-interest shopping with payment terms of up to 36 months, making it so easy to own their dream TV or the latest smartphone.
Wondering if you are eligible to apply for this Hong Leong credit card?
The Hong Leong Wise Gold requirement is as simple as ABC.
If you are 21 years old and above, earning a minimum of RM24,000 per year, then you can apply for this Hong Leong credit card.
The annual fee is RM98 for the principal cardholder, whereas the supplementary card is RM48.
Min. Income RM2,000 /month Annual Fee RM98 Cashback up to 8%
Min. Income RM2,000 /month Annual Fee Free Cashback No
Min. Income RM5,000 /month Annual Fee Free* Cashback No
Min. Income RM2,000 /month Annual Fee Free* Cashback No
Min. Income RM3,000 /month Annual Fee Free* Cashback No
Min. Income RM2,000 /month Annual Fee Free* Cashback up to 1%
Min. Income RM - /month Annual Fee Free Cashback No
Min. Income RM12,500 /month Annual Fee Free Cashback No
Min. Income RM5,000 /month Annual Fee Free* Cashback No
Min. Income RM7,500 /month Annual Fee RM1,200 Cashback No
Min. Income RM20,833.33 /month Annual Fee RM2,500 Cashback No
Min. Income RM4,000 /month Annual Fee Free Cashback No
