Hong Leong Wise Credit Card
Enjoy up to 15% cashback every month from Hong Leong Wise when you pay for Petrol, Groceries and Essentials, Online and Dining on the weekends.
15% cashback on weekends!Product summary
- Min. Income
- RM2,000/month
- Annual Fee
- RM98
- Cashback
- up to 15%
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0.88% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
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Cashback
Every weekend, get up to 15% cashback on petrol, groceries and essentials, online and dining transactions when you spend a minimum of RM1,000 monthly, capped up to RM20. For the weekdays, you'll get up to 1% cashback on the same spending categories. Moreover, all spending below RM1,000 in a month earns you 0.2% cashback, capped at RM2 per month.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| Petrol (Weekends) | 10% | RM15 | from RM1,000 or above monthly on weekends only |
| Online Spend (Weekends) | 1% | RM15 | from RM1,000 or above monthly on weekends only |
| Groceries & Essentials (Weekends) | 10% | RM15 | from RM1,000 or above monthly on weekends only |
| Dining (Weekends) | 15% | RM20 | from RM1,000 or above monthly on weekends only |
| Petrol (Weekdays) | 0.5% | RM15 | from RM1,000 or above monthly |
| Online Spend (Weekdays) | 1% | RM15 | from RM1,000 or above monthly |
| Groceries & Essentials (Weekdays) | 0.5% | RM15 | from RM1,000 or above monthly |
| Dining (Weekdays) | 0.5% | RM20 | from RM1,000 or above monthly |
| Others (Including Overseas Spend) | 0.2% | uncapped | from RM1,000 or above monthly |
| All eligible MCC, Merchants and/or Transactions | 0.2% | RM2 | from RM999 or above monthly |
Balance Transfer
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.
| 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 |
Easy Payment Plans
Shop for big-ticket items at participating merchants and enjoy low interest rates for up to 36 months of repayment tenure.
| 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 |
Fees & Charges
- Annual Fee
- RM98 primary card
- RM48 supplementary card
- Sales and Service Tax
- RM25 on each principal and supplementary card upon activation and anniversary date
- Minimum Monthly Payment
- RM50 or 5% of outstanding amount, whichever is higher
- Late Payment Fee
- RM10 or 1% of outstanding amount, up to a maximum of RM100
- Cash withdrawal Fee
- RM20 or 5% of withdrawn amount, whichever is higher
- Interest Rate on Cash Withdrawals
- 18%
- Contact-less Payment Methods
- Visa payWave
Requirements
- Minimum Annual Income
- RM24,000
- Minimum Age
- 21 to 65 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- 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!
Review
Hong Leong Wise Credit Card
- Min. Income
- RM2,000/month
- Annual Fee
- RM98
- Cashback
- up to 15%
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- Cashback
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