Hong Leong Wise Gold

Enjoy 10% cashback from Hong Leong Wise, the only credit card that rewards you with 10% cash back all day, every day, even overseas.

Hong Leong Wise GoldGet 10% Cashback
Min. Income
Annual Fee
up to 10%
Balance Transfer
From 6.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 10% cash back automatically when you spend a minimum of RM2,000 on posted retail transactions every month. Choose 2 out of 10 cash back categories that suit your lifestyle, maximise your cashback rewards and enjoy instant savings.

Cashback categoryCashback rateMonthly capSpend
All Retail Spend10%RM100from RM2,000 and above monthly


Get 10% cashback on petrol expenses if you select Petrol as your preferred category. No limitations on petrol brand - fill up anywhere.


Get 10% cashback on travel purchases if you select Travel as your preferred category. Save you cashback and fly for free.

Balance Transfer

Hong Leong Balance Transfer offers interest rates at 6.99% p.a. and payment terms up to 12 months.

Pay OverWith Interest Rate AtWhen You Transfer
6 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Hong Leong Balance Transfer

Easy Payment Plans

Enjoy extended payment terms of 3 to 36 months at 0% interest on retail purchases from approved merchants. For all other purchases, you can opt to Hong Leong Flexi Payment Plan for instalment period of up to 36 months at 8.99% p.a..

Fees & Charges

Annual Fee
  • RM250 primary card
  • RM80 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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RM20 or 5% of withdrawn amount, whichever is higher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


Minimum Annual Income
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Cash Advance / Cash Loan
Hong Leong Call For Cash Plus
If you want a higher financing amount and longer time to repay your outstanding, then Call For Cash Plus is the name of the game.
Hong Leong Call For Cash Plus
If you want a higher financing amount and longer time to repay your outstanding, then Call For Cash Plus is the name of the game.
Balance Transfer Plans
Hong Leong Balance Transfer
Consolidate all your debt! Open to new and existing credit cardholders, transfer a minimum of RM1000 from up to 3 other banks!


Crazy for cash rebates and not getting enough of it? Fret not. Hong Leong Wise Credit Card is here to save the day. Said to offer the highest, fixed cashback rate in town, Hong Leong Wise Credit Card is definitely a force to be reckoned with.

10% Cashback

Hong Leong Wise Gold Credit Card cardholders are eligible to receive 10% cashback on two of their preferred categories of retail spending. 

You can choose from 10 categories – mobile, groceries, pharmacies, petrol, dining, departmental, book stores, utilities, entertainment and travel. Mobile spending will be included as a bonus category for all cardholders.

To qualify for this cashback, you need to charge a minimum of 10 retail transactions with at least RM50 per transaction to your Hong Leong Wise Gold Credit Card on a monthly basis. Cardholders are also free to switch categories anytime with a nominal fee of RM10.

With so many categories to choose from, cardholders can surely find a combination that will suit their needs. Total cashback is capped at RM100 per month giving you a potential saving of RM1200 per year!

Balance Transfer

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 offers interest rates at 6.99% p.a. Payment period can be stretched up to 12 months. You can transfer outstanding balances of at least RM1,000 from as many as three cards under this programme.

Extended Payment Plan (EPP)

Most people nowadays use credit cards to pay for expensive purchases so that they do not have fork out a huge amount of cash on the spot. More importantly, many credit cards offer EPP to allow cardholders to pay for their purchases over time. Hong Leong Wise Credit Card is no exception.

However, what gives this credit card an edge is its 0% interest EPP. Under the Hong Leong Bank EPP, Hong Leong Wise Credit Card cardholders can enjoy interest-free shopping with payment terms from 3 to 36 months, making it so easy to own your dream TV or the latest smartphone.

Easy to Apply

Wondering if you are eligible to apply? The Hong Leong Wise Credit Card 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 charged at RM200 for principal cardholder, whereas supplementary card is RM80.