Hong Leong Wise Credit Card
Hong Leong Bank consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM2,000.00
- Minimum annual income
- RM24,000.00
- Qualifying spend
- RM1,000 qualifying posted spend / calendar month
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM98.00
- Fee waiver
- No verified waiver rule recorded. Confirm with the bank.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Online bonus is restricted to listed merchants; automated-pump petrol MCC and weekday/weekend rules matter.
- Min income RM24k OR RM2000 pledged FD; 21-65 principal.
- First-year promo waiver requires at least one retail swipe within 60 days; recurring automatic waiver not assumed.
- RM1000 eligible posted/calendar-month threshold. Weekends Sat/Sun based on transaction date.
- Dining weekday0.5/weekend15%, cap20; groceries+pharmacy weekday0.5/weekend10%, cap15; automated-pump petrol weekday0.5/weekend10%, cap15.
- Listed online/wallet/Grab merchant spend 1% shared cap15, all days; other0.2 uncapped.
- Below RM1000: 0.2% cap2, but no payout if accumulated cashback <RM1.
- Recurring annual fee RM98.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Petrol (Weekends) | 10% | RM1,000.00+ | RM15.00 |
| Online Spend (Weekends) | 1% | RM1,000.00+ | RM15.00 |
| Groceries & Essentials (Weekends) | 10% | RM1,000.00+ | RM15.00 |
| Dining (Weekends) | 15% | RM1,000.00+ | RM20.00 |
| Petrol (Weekdays) | 0.5% | RM1,000.00+ | RM15.00 |
| Online Spend (Weekdays) | 1% | RM1,000.00+ | RM15.00 |
| Groceries & Essentials (Weekdays) | 0.5% | RM1,000.00+ | RM15.00 |
| Dining (Weekdays) | 0.5% | RM1,000.00+ | RM20.00 |
| Others (Including Overseas Spend) | 0.2% | RM1,000.00+ | Not specified / uncapped in listing |
| All eligible MCC, Merchants and/or Transactions | 0.2% | RM999.00+ | RM2.00 |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.