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
Check the earn rate with Hong Leong Bank. Hong Leong Bank's own page disagrees with our data on this card's weekday dining rate and dining cap, and we have not corrected it yet. Any cashback or points figure on this page may be out of date, so this card is listed but not ranked in our best-of lists until it is fixed.
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.
Source: Hong Leong Bank's official product page. Annual fee checked against it on 7 Oct 2026; its fee waiver, minimum income and cashback or points figures were not all confirmed, so check them on that page. Product details and rates are subject to change — always confirm directly with the bank before applying.