Hong Leong WISE Card

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
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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!

The above sources can be found at https://ringgitplus.com/en/

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • Annual Fee
    RM160.00 (Free for the first year)



  • 10% cashback every month (mobile)


  • 10% cashback every month


  • 10% cashback every month

Card Information

  • Min. Monthly Income
  • Min. age for principal holder
  • Min. age for supplementary holder
  • Fee for supplementary holder
  • Finance charges
    15% p.a. – prompt minimum payment for 12 consecutive months
    17% p.a. – prompt payment for at least 10 out of 12 months
    18% p.a – if any of the above is not met