Hong Leong Wise Card

Hong Leong Wise Card


  • 10% cash back on your chosen categories all year round
  • Switch categories any time and still enjoy the same 10% cash back on your new selections
  • Up to RM100 cash back every month on your chosen categories.
Minimum Monthly Income
Minimum Monthly Income

RM 5

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

6.99% p.a for 12 months

Annual Fee
Annual Fee

RM 250.00 for Gold card, RM300.00 for Platinum card

Credit Card's Promotion


Enjoy 10% cash back on your chosen collection with minimum of RM2,000 transaction per calendar month.


Categories Merchants/Merchant Category Code (MCC)
Mobile* Maxis, Celcom, Digi, U Mobile, YES
Pharmacies Guardian, Watsons, Caring, Eu Yan Sang
Groceries All grocery stores eg Giant, Tesco, AEON BIG (MCC 5411)
Petrol Automated fuel dispensers at all petrolStations (MCC 5542) 
Dining All dining outlets (MCC 5811, 5812, 5814)
Departmental Parkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA, Sogo
Bookstores  MPH, Popular, Borders, Kinokuniya, Times, Smart, BookXcess


Electricity and water (MCC: 4900)
Entertainment  All cinemas (MCC 7832), Ticket Charge, Ticket Pro, Red Box, Neway

All airlines (MCC 3000-3299, 4511)

Hotels (MCC 3501-3999, 7011)

Tour packages (MCC 4722, 4723)

Balance Transfer
BT Repayment Period BT Interest Rate Eligibility
Lifetime (No fixed repayment period) 4.99%p.a. New Cardholder (Never own a Hong Leong Credit Card before)
6 or 12 months 6.99%p.a. HLB Credit Card Holder
Low Interest
Cardholder’s payment behavior Retail interest rate
Cardholders who promptly settle their minimum payment due for 12 consecutive months 15% p.a.
Cardholders who promptly settle their minimum payment due for 10 months or more in a 12-month cycle; and 17% p.a.
Cardholders who do not fall within the above categories 18% p.a.
Annual fee RM 250.00 for Gold card, RM300.00 for Platinum card
Annual fee for suplementary card RM 80.00 for Gold card, RM150.00 for Platinum card
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher subject to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of the amount advanced or a minimum of RM20, whichever is higher. This is imposed for each cash advance transaction
Cash withdrawal interest rate 18% per annum calculated on a daily basis
Balance transfer interest rate 6.99% p.a for 12 months
Balance transfer max valid duration Up to 12 months
Balance transfer early settlement penalty RM70.00

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