Hong Leong Wise Credit Card
Up to 15% cashback on dining (10% groceries/petrol, capped RM15–20/mo/category)
Apply for Hong Leong Wise Credit Card →Last updated 22 September 2026 · Reviewed by Raymond, Rates.my
Hong Leong Wise Credit Card overview
The Hong Leong Bank Hong Leong Wise Credit Card is a Card-tier Visa cashback card built around cashback. Up to 15% cashback on dining (10% groceries/petrol, capped RM15–20/mo/category). It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It has an annual fee of RM98 (annual fee waived with min. rm12,000/yr spend).
Features & benefits
- ✓15% cashback on dining, capped RM20/mo
- ✓10% cashback on groceries & petrol, capped RM15/mo each
- ✓1% cashback on online spend & eWallet reload, capped RM15/mo
- ✓0.2% unlimited cashback on overseas & other spend
- ✓Requires min. RM1,000/mo retail spend to earn bonus tiers
- ✓Annual fee waived with min. RM12,000/yr spend
Is the Hong Leong Wise Credit Card worth it?
The Hong Leong Wise Credit Card is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Annual fee waivable (annual fee waived with min. rm12,000/yr spend)
- +Up to 15% cashback on best dining cashback
- +Low income requirement — accessible to first-time applicants
- +Broad range of benefits and perks
- −RM98 annual fee unless the waiver condition is met
- −Cashback capped at RM20 a month
- −Top cashback applies only to specific categories (best dining cashback)
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Small RM20/month cap — you'll hit the ceiling quickly. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — Hong Leong Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Hong Leong Wise Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- All Government/JomPAY/FPX bill-payment transactions, QR Pay transactions via the HLB Connect App, Cash Advances, Quasi Cash (betting/gaming), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers, and any fees/charges are not eligible for cashback.
- Min spend to earn
- RM1,000 in posted transactions per month to qualify for the bonus cashback tiers (dining/groceries/petrol/online); below that threshold, spend earns only the base uncapped 0.2%.
- Foreign transaction fee
- 1% transaction fee imposed by Visa International, plus a 1% foreign exchange conversion mark-up imposed by Hong Leong Bank on the converted Ringgit amount.
Verified 21 August 2026. Summarised in our own words from Hong Leong Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Hong Leong Wise Credit Cardterms & product disclosure →Hong Leong Wise Credit Card FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). Hong Leong Bank also considers your overall credit standing.
The annual fee is RM98, but it can be waived: annual fee waived with min. rm12,000/yr spend.
It earns up to 15% cashback on best dining cashback, capped at RM20 a month. Up to 15% cashback on dining (10% groceries/petrol, capped RM15–20/mo/category).
No — the Hong Leong Wise Credit Card is a conventional credit card. Check with Hong Leong Bank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want cashback — its main draw is "Up to 15% cashback on dining (10% groceries/petrol, capped RM15–20/mo/category)". Weigh the RM98 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Hong Leong Wise Credit Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with Hong Leong Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Hong Leong Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.