Hong Leong Bank
Hong Leong Wise Credit Card
Products · Credit Cards · Hong Leong Wise Credit Card
Best for
Highest cashback rate for targeted category spenders
Annual Fee
RM 98
Min. Income
RM 2,000/mo
Pros
- Up to 15% cashback -- highest headline rate in the market
- Low minimum income of RM2,000/month
- Good for spenders who can concentrate spend in bonus categories
- Solid everyday cashback outside bonus categories
Cons
- Annual fee of RM98 -- not free unlike most competitors
- 15% cashback only applies to specific rotating categories with conditions
- Need to hit minimum spend thresholds to unlock top cashback tiers
Full specifications
| Annual Fee | RM 98 |
| Min Income | RM 2,000/month |
| Apply Online | Yes |
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Rates from Hong Leong Bank, verified 11 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.