Hong Leong Wise Credit Card
8% cashback on dining, groceries & online spend (capped RM30/mo)
Apply for Hong Leong Wise Credit Card →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Hong Leong Bank 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. 8% cashback on dining, groceries & online spend (capped RM30/mo). 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
- ✓8% cashback on dining, groceries & online spend (capped RM30/mo)
- ✓0.2% cashback on all other spend (unlimited)
- ✓Contactless spend earns bonus cashback
- ✓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 8% cashback on best dining cashback
- +Low income requirement — accessible to first-time applicants
- −RM98 annual fee unless the waiver condition is met
- −Cashback capped at RM30 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
Rewards everyday spending, up to RM30/month. 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
Before you apply, read Hong Leong Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 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 8% cashback on best dining cashback, capped at RM30 a month. 8% cashback on dining, groceries & online spend (capped RM30/mo).
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 "8% cashback on dining, groceries & online spend (capped RM30/mo)". 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.