Hong Leong Wise Platinum credit card

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)
  • RM300.00 annual fee

Apply online now for Hong Leong Wise Platinum

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Because you should be rewarded for giving the bank your business

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.
Discover how much you can save when you shop with your new Hong Leong Wise Platinum
Cashback CategoryCashback RateMonthly CapSpend
All Retail SpendSpendfrom RM2000 and above monthly10%RM100from RM2000 and above monthly
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 OverWith Interest Rate AtWhen You Transfer
6 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months6.99% p.a. and no one-time upfront handling feefrom 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 OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Hong Leong Extended Payment Plan
Choose Petrol as a cashback category and you could get a 10% rebate on all of petrol purchases. Maximum cash back RM100 each month.
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
Annual Fee for 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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


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. 

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.

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 RM60,000 per year, then you can apply for this Hong Leong credit card.

The annual fee is charged at RM300 for principal cardholder, whereas supplementary card is RM150.

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