Hong Leong Wise Gold credit card

Hong Leong Wise Gold

Enjoy 10% cashback from Hong Leong Wise, the only credit card that rewards you with 10% cash back all day, every day, even overseas.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM250.00 annual fee

Apply online now for Hong Leong Wise Gold

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Because you should be rewarded for giving the bank your business

Get 10% cash back automatically when you spend a minimum of RM2,000 on posted retail transactions every month. Choose 2 out of 10 cash back categories that suit your lifestyle, maximise your cashback rewards and enjoy instant savings.
Discover how much you can save when you shop with your new Hong Leong Wise Gold
Cashback CategoryCashback RateMonthly CapSpend
All Retail SpendSpendfrom RM2000 and above monthly10%RM100from RM2000 and above monthly
Balance Transfer
Hong Leong Balance Transfer offers interest rates at 6.99% p.a. and payment terms up to 12 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Hong Leong Balance Transfer
Easy Payment Plan (EPP)
Enjoy extended payment terms of 3 to 36 months at 0% interest on retail purchases from approved merchants. For all other purchases, you can opt to Hong Leong Flexi Payment Plan for instalment period of up to 36 months at 8.99% p.a..
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Hong Leong Extended Payment Plan
Get 10% cashback on petrol expenses if you select Petrol as your preferred category. No limitations on petrol brand - fill up anywhere.
Get 10% cashback on travel purchases if you select Travel as your preferred category. Save you cashback and fly for free.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Hong Leong Extended Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Hong Leong Bank Call For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Hong Leong Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Hong Leong Wise Gold review

What's so good (or not so good) about it?

Crazy for cash rebates and not getting enough of it? Fret not. Hong Leong Wise Credit Card is here to save the day. Said to offer the highest, fixed cashback rate in town, Hong Leong Wise Credit Card is definitely a force to be reckoned with.

10% Cashback

Hong Leong Wise Gold Credit Card cardholders are eligible to receive 10% cashback on two of their preferred categories of retail spending. 

You can choose from 10 categories – mobile, groceries, pharmacies, petrol, dining, departmental, book stores, utilities, entertainment and travel. Mobile spending will be included as a bonus category for all cardholders.

To qualify for this cashback, you need to charge a minimum of 10 retail transactions with at least RM50 per transaction to your Hong Leong Wise Gold Credit Card on a monthly basis. Cardholders are also free to switch categories anytime with a nominal fee of RM10.

With so many categories to choose from, cardholders can surely find a combination that will suit their needs. Total cashback is capped at RM100 per month giving you a potential saving of RM1200 per year!

Balance Transfer

Understanding the financial needs of credit card cardholders, Hong Leong Wise Credit Card also has a balance transfer feature. This tool is very useful if you want to consolidate outstanding balances from other credit cards or charge cards into one credit card for easy management and to save on interest payments.

Hong Leong Balance Transfer offers interest rates at 6.99% p.a. Payment period can be stretched up to 12 months. You can transfer outstanding balances of at least RM1,000 from as many as three cards under this programme.

Extended Payment Plan ( EPP)

Most people nowadays use credit cards to pay for expensive purchases so that they do not have fork out a huge amount of cash on the spot. More importantly, many credit cards offer EPP to allow cardholders to pay for their purchases over time. Hong Leong Wise Credit Card is no exception.

However, what gives this credit card an edge is its 0% interest EPP. Under the Hong Leong Bank EPP, Hong Leong Wise Credit Card cardholders can enjoy interest-free shopping with payment terms from 3 to 36 months, making it so easy to own your dream TV or the latest smartphone.

Easy to Apply

Wondering if you are eligible to apply? The Hong Leong Wise Credit Card requirement is as simple as ABC. If you are 21 years old and above, earning a minimum of RM24,000 per year, then you can apply for this Hong Leong credit card.

The annual fee is charged at RM200 for principal cardholder, whereas supplementary card is RM80.

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