Hong Leong Wise Gold

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

Hong Leong Wise Gold8% cashback on weekends!
Min. Income
Annual Fee
up to 8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0.88% p.a.
Interest Rate
15% p.a.
20 days


Get 8% weekend cashback on petrol, groceries and essentials, online and dining transactions when you spend above RM500 monthly, capped at RM15 per category. For the weekdays, you'll get 1% cashback on 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
Online Spend (Weekdays)1%RM15from RM500 or above monthly
Groceries & Essentials (Weekdays)1%RM15from RM500 or above monthly
Dining (Weekdays)1%RM15from RM500 or above monthly

Balance Transfer

Existing Hong Leong credit cardholders, 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. As for new Hong Leong credit cardholders, you get 4.99% p.a. interest with no fixed repayment period. Terms apply!

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
6 months7.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months8.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Hong Leong Balance Transfer

Easy Payment Plans

From 1 January 2024 to 30 April 2024, enjoy promotional rates as low as 0.88% p.a. for up to 18 months of repayment tenure. Alternatively, you can opt for a fixed 8.99% p.a. interest for up to 36 months. Terms apply!

Hong Leong Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0.88% p.a.and no one-time upfront handling feeRM500
6 months2.18% p.a.and no one-time upfront handling feeRM500
12 months3.18% p.a.and no one-time upfront handling feeRM500
18 months3.88% p.a.and no one-time upfront handling feeRM500
6 months8.99% p.a.and no one-time upfront handling feeRM500
12 months8.99% p.a.and no one-time upfront handling feeRM1,000
18 months8.99% p.a.and no one-time upfront handling feeRM1,000
24 months8.99% p.a.and no one-time upfront handling feeRM2,000
36 months8.99% p.a.and no one-time upfront handling feeRM2,000
Learn more about Hong Leong Flexi Payment Plan

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
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
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!


Hong Leong Wise Gold - 8% Cashback on Weekends

Hong Leong Wise Gold credit card now offers a high cashback of 8% on petrol, groceries and essentials, online and dining categories spent over the weekend with a total cashback 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 applies 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 plan offers two (2) choices either with a one-time upfront fee of 3% or 5% for up to 12 months or as low as 7.99% p.a. and 8.99% p.a. fixed interest for 6 or 12 months tenure. 

You can transfer outstanding balances of at least RM1,000 from as many as three cards under this programme.

Flexi Payment Plan (FPP)

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 FPP to allow cardholders to pay for their purchases over time. This Hong Leong credit card is no exception. 

Under the Hong Leong Bank FPP, Hong Leong cardholders can enjoy low-interest shopping with payment terms of up 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 RM98 for the principal cardholder, whereas the supplementary card is RM48.

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