Get 8% Cashback
Hong Leong Wise Gold - 8% Cashback on Weekends
Hong Leong Wise Gold credit card now offers a high cashback of 8% on petrol, groceries, essentials, online and dining categories spent over the weekend with total cash back 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 | Unlimited |
| Minimum Spend <RM500/month | 0.25% | 0.25% | 0.25% | 0.25% | 0.25% |
As the top 4 spend categories are pre-selected for you, switching of spend categories will not be available.
If your monthly spend is less than RM500, you will still receive 0.25% cashback
Posted Transactions
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 (exceed 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 Gold Participating Merchants
Hong Leong Wise credit card offers a wide range of merchants who are eligible for cashback.
You wouldn't have to limit your choices on 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 is applicable to all dining outlets and grocery stores such as Giant, Cold Storage, Jaya Grocer and Mercato.
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. The 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 to 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. This Hong Leong 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 cardholders can enjoy interest-free shopping with payment terms from 6 to 36 months, making it so easy to own their dream TV or the latest smartphone.
Easy Application for Hong Leong Wise Gold
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 charged at RM98 for the principal cardholder, whereas the supplementary card is RM80.
