Hong Leong Wise Credit Card
A cashback card with up to 15% back on dining, petrol, groceries, and online spend when you charge RM1,000 or more monthly.
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3-6 months salary slip
- Latest EA statement
- Latest EPF statement
- Letter of Employment or employer confirmation
- Latest 1 year official tax receipt
- Latest 3 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 98
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Spend RM1,000 or more in a month and earn up to 15% cashback on petrol, groceries, online spend, and dining every weekend, capped at RM20. On weekdays, the same categories earn you up to 1% cashback. Spend below RM1,000 in a month? You'll still get 0.2% cashback on all eligible transactions, capped at RM2.
Split big-ticket purchases into manageable monthly instalments at low interest rates for up to 36 months at participating merchants.
Existing Hong Leong credit cardholders can enjoy 0% interest with a one-time upfront fee of 3% or 5% for 6 or 12 months, or opt for a fixed monthly rate of 7.99% p.a. or 8.99% p.a. for the same tenures.