Visa · Conventional
HLB · MALAYSIA
Hong Leong WISE Credit Card
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM98
Card networkVisaConventional card
Apple PaySupported
Google PaySupported
THE DETAILS
Benefit breakdown
WISE cashback
| Eligible category | Weekday | Weekend | Monthly cap |
|---|---|---|---|
| Dining | 0.5% | 15% | RM20 |
| Groceries, pharmacy and named convenience stores | 0.5% | 10% | RM15 |
| Self-service petrol pumps, MCC 5542 | 0.5% | 10% | RM15 |
| Named online / e-wallet merchants | 1% | 1% | RM15 |
| Other eligible retail | 0.2% | 0.2% | Uncapped |
Requires RM1,000 eligible posted spend in the same calendar month. Below RM1,000, all eligible categories earn 0.2% with a combined RM2 monthly cap; accumulated cashback must be at least RM1. Government / JomPAY / FPX can count towards the threshold but do not earn cashback.
Fees & charges
- Principal annual fee
- RM98
- Supplementary annual fee
- RM48; applicable first-year / subsequent waiver conditions remain separate.
- Annual-fee waiver
- First-year waiver subject to the bank’s current offer; subsequent annual fee RM98.
- Retail interest / effective profit rate
- 15% / 17% / 18% p.a., based on prompt-payment history.
- Cash advance interest / profit
- 18% p.a., normally calculated daily without a retail grace period.
- Service tax
- RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
- Cash advance fee
- 5% or RM20, whichever is higher; applicable tax extra.
- Minimum monthly payment
- 5% of outstanding balance or RM50, plus monthly payment-plan / balance-transfer / ABC instalments where applicable.
- Late payment
- 1% of outstanding balance, minimum RM10 and maximum RM100.
- Foreign exchange
- Visa / Mastercard conversion rate plus 1% network transaction fee and 1% bank conversion markup.
- Replacement card
- RM50 per replacement card.
Requirements
- Minimum annual income
- RM24,000
- Principal age
- 21–65 years
- Supplementary age
- At least 18 years
- Application conditions
- Published income threshold; residency, income documents and bank credit assessment also apply.
Product features
- Income documents
- NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.
- Online and grocery scope
- Online bonus covers named merchants such as Lazada, Shopee, Grab, foodpanda, Touch ’n Go, MYEG and selected subscriptions. Groceries / essentials include MCC 5411 / 5912 plus MyNews and 7-Eleven. Petrol counters coded differently from automated fuel dispensers do not earn the pump-category rate.
- Fixed-deposit application route
- Minimum pledged HLB fixed deposit for this card: RM2,000 for Malaysian citizens / PRs; RM10,000 for foreigners. Available to new-to-card applicants with an eligible sole-name, auto-renewing FD; credit limit is 1:1 with the pledged deposit, subject to approval.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.