Hong Leong · Visa · Cashback

HLB WISE

Good for

15% cash back on weekend dining once you spend RM1,000 a month, up to RM20 a month.
10% on weekend groceries, pharmacies and petrol, up to RM15 each a month.
First year free if you use the card once within 60 days.

Under RM1,000 a month you get only 0.2%, up to RM2.
Weekday dining, groceries and petrol earn only 0.5%.
RM98 annual fee from the second year, with no spend waiver.
Cash back is paid to the nearest ringgit, so it can be up to RM0.50 a month more or less than the calculator shows.

Cash back, as a share of what you spend.

Counts toward the minimum: every billed purchase. Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers count but earn nothing.

Spending	Under RM1,000	RM1,000 or more	Monthly cap
Dining on weekends	0.2% up to RM2 a month across all spending	15%	RM20 shared with Dining on weekdays
Dining on weekdays	0.2% up to RM2 a month across all spending	0.5%	RM20 shared with Dining on weekends
Groceries and Health / pharmacy on weekends	0.2% up to RM2 a month across all spending	10%	RM15 shared with Groceries and Health / pharmacy on weekdays
Groceries and Health / pharmacy on weekdays	0.2% up to RM2 a month across all spending	0.5%	RM15 shared with Groceries and Health / pharmacy on weekends
Petrol on weekends	0.2% up to RM2 a month across all spending	10%	RM15 shared with Petrol on weekdays
Petrol on weekdays	0.2% up to RM2 a month across all spending	0.5%	RM15 shared with Petrol on weekends
Shopee and Lazada, Food delivery, Streaming and games and more	0.2% up to RM2 a month across all spending	1%	RM15 reached at RM1,500
Everything else	0.2% up to RM2 a month across all spending	0.2%	None
Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers	Nothing	Nothing

How it's paid: Credited to your card account the next month Cash back is rounded to the nearest RM and credited to your card the next month, against your balance. Under RM1,000 spend, a month's cash back must reach RM1 to be paid.
Which month counts: The calendar month, by posting date The RM1,000 minimum, the rates and the caps count transactions posted in the same calendar month. The weekday or weekend rate follows the date you made the purchase.
When you lose it: A reversed purchase, or an account not in good standing A reversed or cancelled purchase loses its cash back, whenever it was posted. If the account is overdue, closed or in breach, or after fraud or bankruptcy, you lose eligibility.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM98 Free the first year.
Extra (supplementary) cards: RM48 a year No spend waiver. The first year is free if that card makes one purchase within 60 days. The RM25 service tax still applies.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus all instalments, the tax, any amount over your limit and any unpaid past minimum.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: 5% fee, at least RM20 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out.
Replacement card: RM50

Income: RM24,000 a year or more
Age: 21 to 65 Extra cardholders from 18.
Documents: MyKad copy (both sides). Non-Malaysians: a passport valid for at least 6 more months
Employees: latest EPF statement with at least 6 months of contributions, or latest 3 months' computer-printed payslips
Employees outside a multinational company also need one of: latest BE form with tax receipt, latest EA form, or 3 months of bank statements showing your salary
Self-employed: latest business registration form, plus your latest B form with tax receipt or 6 months of company bank statements
Expatriates: latest 3 months' payslips, plus a work permit valid for at least 6 months or an employment letter dated in the last 3 months
You send these once the bank approves your application in principle.

Pay by phone: Apple Pay, Google Pay, Samsung Pay Add it in the HLB Connect app.
Card network: Visa