Hong Leong Wise Gold

Enjoy 8% cashback from Hong Leong Wise when you pay for Petrol, Groceries & Essentials and Dining on the weekends, plus Online transactions.

Hong Leong Wise GoldGet 8% Cashback
Min. Income
Annual Fee
up to 8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 8% weekend cashback on petrol, groceries and essentials, plus online and dining when you spend more than RM500 monthly, capped at RM15 per category. Otherwise, you'll get 1% cashback on the weekdays for the same spending categories. Moreover, all spending below RM500 in a month earns you 0.25% cashback capped at RM1.25 per month.

Petrol (Weekends)8%RM15from RM500 or above monthly on weekends only
Online Spend (Weekends)8%RM15from RM500 or above monthly on weekends only
Groceries & Essentials (Weekends)8%RM15from RM500 or above monthly on weekends only
Dining (Weekends)8%RM15from RM500 or above monthly on weekends only
Others (Any MCC or merchants not defined above)0.25%uncappedfrom RM500 or above monthly
Petrol (Weekdays)1%RM15from RM500 or above monthly
Groceries & Essentials (Weekdays)1%RM15from RM500 or above monthly
Dining (Weekdays)1%RM15from RM500 or above monthly


Plan your refuelling wisely because you can get 8% cashback if you do it over the weekends. Fill up your tank on weekdays to get 1% cashback, both capped at RM18 per month.

Balance Transfer

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

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
Learn more about Hong Leong Balance Transfer

Easy Payment Plans

Enjoy extended payment terms of 6 to 36 months at 0% interest on retail purchases from approved merchants. For all other purchases, you can opt for Hong Leong Flexi Payment Plan for an instalment period of up to 36 months at 8.99% p.a.

Fees & Charges

Annual Fee
  • RM98 primary card
  • RM80 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RM20 or 5% of withdrawn amount, whichever is higher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
Contact-less Payment Methods
Visa payWave


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


Easy Payment Plan
Cash Advance / Cash Loan
Hong Leong Bank Call For Cash
Hong Leong Call-For-Cash Installment Programme has no daily interest, just a one time interest charge from as low as 3.18%.
Balance Transfer Plans
Hong Leong Balance Transfer
Consolidate all your debt! Open to new and existing credit cardholders, transfer a minimum of RM1,000 from up to 3 other banks!


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 a 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.

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 <RM500/month 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.

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 (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 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 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 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 RM98 for the principal cardholder, whereas the supplementary card is RM80.

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