Hong Leong Wise Platinum

Hong Leong Wise Card is the only credit card that rewards you with 10% cash back all day, every day.

15% p.a. interest rate
20 days interest-free period
up to 10% cashback
6.99% p.a. balance transfer over 12 months
Easy Payment Plan (EPP)
RM318.00 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for Hong Leong Wise Platinum

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My income is greater than RM60000 a year. That's at least RM5000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback

Get 10% Cashback on retail categories of your choice. 10 swipes and a minimum of RM50 transactions per month are required to activate the 10% cashback. You can select a maximum of two categories, in addition to one default bonus category offered by the Bank to enjoy the high rate. Choose from a list of Pharmacies, Groceries, Petrol, Dining, Departmental Stores, Book Stores, Utilities, Entertainment and Travel!

Discover how much you can save when you shop with your new Hong Leong Wise Platinum
Cashback Category		Cashback Rate	Monthly Cap	Spend
Choose 2 out of 10	Spendfrom RM50 up to RM2000 in a single receipt	10%	RM100	from RM50 up to RM2000 in a single receipt

Balance Transfer

Hong Leong Bank offers 6 or 12 months balance transfers at 6.99% per year. Need to start reshuffling your finances? Start with consolidating your credit card debt!

Pay Over	With Interest Rate At	When You Transfer
6 months	6.99% p.a. and no one-time upfront handling fee	from RM1000
12 months	6.99% p.a. and no one-time upfront handling fee	from RM1000

Learn more about Hong Leong Balance Transfer

Easy Payment Plan (EPP)

Hong Leong Bank EPP offers payment terms from 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.. No penalty fee for early payment.

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
6 months	0% p.a. and no one-time upfront handling fee	from RM500
12 months	0% p.a. and no one-time upfront handling fee	from RM500
18 months	0% p.a. and no one-time upfront handling fee	from RM500
24 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from RM500

Learn more about Hong Leong Extended Payment Plan

Petrol: Choose Petrol as a cashback category and you could get a 10% rebate on all of petrol purchases. Maximum cash back RM100 each month.

Travel: Choose Travel as a cashback category and you could get a 10% rebate on all travel purchases. Maximum cash back is RM100 each month.

Fees & Charges

There are always fees but how much are they?

Annual Fee: RM318.00
Annual Fee for Supplementary Card: RM159.00
Minimum monthly payment: RM50 or 5% of outstanding amount
Late payment fee: RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee: RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals: 18%

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income: RM60000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan: Hong Leong Extended Payment Plan; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Cash Advance / Cash Loan: Hong Leong Bank Call For Cash; Hong Leong Call For Cash Plus; Cash Advance is a loan against the credit limit of your card at a reasonable rate.

Balance Transfer: Hong Leong Balance Transfer; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Hong Leong Wise Platinum review

What's so good (or not so good) about it?

10% Cashback Everyday

Hong Leong Wise Platinum offers high cashback of 10% on two of your chosen categories from petrol, dining, groceries, pharmacies, mobile, departmental, book stores, utilities, entertainment and travel. What's more – mobile spending is included as a bonus category.

You are qualified for the cashback when you charge a minimum of 10 monthly retail transactions with at least RM50 per transaction to your Hong Leong Wise Platinum. The total cashback is capped at RM100 per month based on your chosen categories.

On top of that, all the retail transactions on the supplementary card(s) are accumulated into the total swipes as per principal card to meet the minimum requirement of 10 retail swipes per month. However, the cashback earned will be credited to the principal card holder's account.

Participating Merchants

Hong Leong Wise Platinum offers a wide range of merchants which are eligible for cashback.

You wouldn't have to limit your choices on petrol stations with Hong Leong Wise Platinum. The cashback is available for petrol transactions at automated fuel dispensers at any petrol stations 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 groceries credit card, Hong Leong Wise Platinum gives you the best cashback rate at 10% and this is applicable to all dining outlets and groceries stores such as Tesco and Giant. For AEON, only the AEON BiG is classified as groceries category.

The participating pharmacies are Watsons, Guardian, Caring and Eu Yan Sang. For mobile, the eligible merchants are Digi, Maxis, Celcom, U Mobile and YES. Your shopping at departmental stores at Parkson, AEON, Isetan, Tangs, Robinsons, Metrojaya, SOGO and GAMA gives you cashback too. The eligible bookstores for cashback are Kinokuniya, Popular, MPH, Borders, Times, Smart and BookXcess. Besides that, your electricity and water bills are eligible for 10% cashback.

If entertainment is your category choice, you can enjoy cashback for the transactions at all cinemas, TicketCharge, Ticketpro, Red Box and Neway. Additionally, all your payment to airlines, hotels, and tour packages are eligible for cashback.

Easy Switch

You can switch the chosen categories at any time to suit your lifestyle and to maximise the cashback earned. For each category switch, you have to pay a one-time maintenance charge of RM10.60. You will receive an SMS update with the effective date when your switch has been confirmed by Hong Leong Bank. Bear in mind that you are not allowed to switch the default bonus category.

Categories switch can be made easily. You can contact Hong Leong Contact Centre at 03-7626 8899, visit any Hong Leong Bank branches or download the category maintenance form from Hong Leong Bank website.