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- Annual FeeRM98 (Principal); RM48 (Supplementary)
- Cashbackup to 15%
- Balance TransferOne-time fee & monthly interest plans*
- Easy Payment Plan0% interest rate*
- Interest Rate15% p.a.
- Interest-free20 days
- Min. IncomeRM2,000/month
- Overview
Wise Up to enjoy as much as 15% Cashback on your spend with HLB Wise Credit Card.
- Cashback
Enjoy up to 15% cashback from Hong Leong Wise when you pay for Dining, Petrol, Groceries & Essentials, Online transactions and more.
- Petrol
Plan your refuelling wisely because you can get up to 10% Cashback if you do it over the weekends.
- Balance Transfer
One-time fee plans and monthly interest plans* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/balance-transfer.html
- Flexible Payments
Convert your purchases as min as RM500 into an affordable payment plan* *https://www.hlb.com.my/en/personal-banking/credit-cards/credit-card-services/consumer-services/flexi-payment-plan.html
- Annual Percentage Rate
Criteria Interest Rate (%) Prompt Repayment every month 15 Prompt Repayment 10 out of 12 months 17 Prompt Repayment of less than 10 out of 12 months 18 Interest rate on cash withdrawal 18
- Cashback Tiers
Applicability Minimum Spend (RM) Maximum Spend (RM) Monthly Cap (RM) Cashback Percentage (%) Other Condition(s) Dining (Weekdays) 1000 - 20 0.5 - Dining (Weekends) 1000 - 20 15 - Groceries & Essentials (Weekdays) 1000 - 15 0.5 - Groceries & Essentials (Weekends) 1000 - 15 10 - Online Spends (Weekdays) 1000 - 15 1 - Online Spends (Weekends) 1000 - 15 1 - Others (Any eligible MCC or merchants not defined above) 1000 - - 0.2 - Petrol (Weekdays) 1000 - 15 0.5 - Petrol (Weekends) 1000 - 15 10 - Any eligible MCC or merchants Below 1000 - 2 0.2 -
- Eligibility
Criteria Details Minimum Age 21 Maximum Age 65 Who Can Apply Anybody
- Features
Criteria Details Card Type Visa Gold Interest Free Period (Days) 20
- Fee
Criteria Details Min Cash Withdrawal Fee RM20 or 5% Annual Fee (RM) RM98 Min Late Payment RM10 or 1% of the total outstanding balance as at statement date whichever is higher, subject to a maximum of RM100
- Min Monthly Payment
Criteria Details Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Supplementary Card
Criteria Details Annual Fee RM48 Minimum Age (Years) 18