Products · Credit Cards · Hong Leong Wise Credit Card
Hong Leong Bank
Hong Leong Wise Credit Card
3.8
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 |
How does Hong Leong Wise Credit Card compare?
See how it stacks up against other credit cards from Malaysian banks.
Data sources:
- Aggregator: RinggitPlus listing
- Rates verified: 11 Apr 2026