WISE Credit Card

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  • Cashback >
  • WISE Card
hlb wise credit card

Enjoy 8% cashback on your weekend spend with HLB WISE Credit Card

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FEATURES & BENEFITS

  • FEATURES & BENEFITS
  • FEES & CHARGES
  • FAQS
  • T&C, PDS & FORMS

Enjoy 8% cashback when you pay for popular Online Spend merchants, Groceries & Essentials (including selected convenience stores), Petrol and Dining on Weekends with HLB WISE Credit Card. What is more, you will enjoy unlimited cash back on other transactions using this credit card such as Insurance, Utilities, Mobile and more.

Eligibility

  • Aged 21 to 65 years old (Principal) | 18 years old (Supplementary)
  • Minimum annual income of RM24k
    OR a minimum fixed deposit pledged of RM2,000

 

More details

Less details

Minimum Spend / month (posted transaction)

Spend category

Eligible Merchant Category Codes (MCC), Merchants and/or Transactions

Transactions performed on Weekdays

Transactions performed on Weekends

Maximum cashback per month

RM500

Online Spend (New)

• Lazada

• Shopee

• Grab

• Foodpanda

• Touch N Go

• MYEG

• Spotify

• Netflix

• Apple Music

Note: applicable to e-wallet top ups and food delivery transactions

Enjoy 1% cashback

Enjoy 8% cashback

RM15

Groceries & Essentials (Enhanced)

• MCC: 5411 – All grocery stores including Giant, Cold Storage, Jaya Grocer, Mercato, etc.

• (New) MCC: 5912 – All drug stores and pharmacies including Guardian, Watsons, Caring Pharmacy, etc.

• (New) Selected convenience stores – MyNews and 7Eleven

Enjoy 1% cashback

Enjoy 8% cashback

RM15

Petrol

• MCC: 5542 – Automated Fuel Dispensers (self-service) at all petrol stations

Enjoy 1% cashback

Enjoy 8% cashback

RM15

Dining

• MCC: 5811/5812/5814 – All dining outlets

Enjoy 1% cashback

Enjoy 8% cashback

RM15

Others*

• Any MCC or merchants not defined above

Enjoy 0.25% cashback

Unlimited

Below RM500

All

• All MCC

Enjoy 0.25% cashback

RM1.25

*All Government/JomPAY/FPX bill payment related transactions, QR Pay transactions via HLB Connect App, Cash Advances, Quasi Cash (betting and gaming related transactions), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers and any fees and charges are not eligible for cashback. 

Click here for the list of fees and charges, or visit any of our branches for further information.

Spend Categories

Q: What are the Merchant Category Code (MCC), merchants and /or transactions which are eligible for up to 8% cashback for Online Spend, Groceries & Essentials, Petrol and Dining?

A: The eligible MCC, Merchants and/or transactions are listed in the table below:

Spend Category

Eligible Merchant Category Codes (MCC), Merchants and/or Transactions

Online Spend (New)

• Lazada

• Shopee

• Grab

• Foodpanda

• Touch N Go

• MYEG

• Spotify

• Netflix

• Apple Music

Note: applicable to e-wallet top ups and food delivery transactions

Groceries & Essentials (Enhanced)

• MCC: 5411 – All grocery stores including Giant, Cold Storage, Jaya Grocer, Mercato, etc.

• (New) MCC: 5912 – All drug stores / pharmacies including Guardian, Watsons, Caring Pharmacy, etc

• (New) Selected convenience stores – MyNews and 7Eleven

Petrol

• MCC: 5542 – Automated Fuel Dispensers (self-service) at all petrol stations

Dining

• MCC: 5811/5812/5814 – All dining outlets

Cash Back

Q: Can you define Weekends and Weekdays?

A: Weekends refer to Saturdays and Sundays whilst Weekdays refer to Monday, Tuesday, Wednesday, Thursday and Fridays. 

Q: How do I qualify for up to 8% cash back on the  4 spend categories?

A: You must meet the minimum spend of RM500 (posted transactions) for the month to qualify

Q: If I performed a Petrol transaction on a Sunday and the transaction posted on the following day, which is a Monday, does it mean I will only enjoy 1% cash back on Petrol?

A: You will enjoy 8% cash back because you performed the transaction on a Weekend. Please always bear in mind that, to qualify for up to 8% cash back on Petrol, Groceries and Dining, your total posted transaction must meet minimum spend of RM500 for the month.

Q: How are cashbacks on Weekdays and Weekends calculated?

A: If you meet the minimum spend of RM500/posted transactions for the month, here is a sample illustration: 

 

Transactions Performed on Weekdays

Transactions Performed on Weekends

Total Eligible cashback (RM)

Remarks

Spend Categories

Spend (RM)

cashback (RM)

Spend (RM)

cashback (RM)

Online Spend

50.00

0.50 (1%)

100.00

8.00 (8%)

8.50

Within RM15 cap

Groceries & Essentials

50.00

0.50 (1%)

300.00

24.00 (8%)

15.00

Capped at max RM15

Petrol

100.00

1.00 (1%)

300.00

24.00 (8%)

15.00

Capped at max RM15

Dining

50.00

0.50 (1%)

100.00

8.00 (8%)

8.50

Within RM15 cap

Others

20.00

0.05 (0.25%)

30.00

0.08 (0.25%)

0.13

Unlimited

Total

270.00

2.55

830.00

64.08

47.13

Total eligible cashback is RM47 (rounded to nearest Ringgit Malaysia)

Total posted transaction for the month = RM270 + RM830 = RM1100

English

WISE Card Terms & Conditions

Product Disclosure Sheet

Credit Card Application Form

Supplementary Card Application Form

Cardholder Agreement

 

Bahasa Malaysia

WISE Card Terms & Conditions

Product Disclosure Sheet

Credit Card Application Form

Supplementary Card Application Form

Cardholder Agreement

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