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
- RM98 annual fee, with no waiver
- 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 |
| Fee Waiver | No waiver |
| Min Income | RM 2,000/month |
| Apply Online | Yes |
How does Hong Leong Wise Credit Card compare?
See how it stacks up against other credit cards from Malaysian banks.
Rates from Hong Leong Bank's official product page, verified 7 Oct 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.