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Hong Leong Bank


Wise Card

Hong Leong Wise Card is the only card that rewards you with 10% cash back all day, every day. Maximize your returns with the highest, fixed cash back in town. Enjoy 10% cash back on your chosen spend categories all year round. Use it when you want it, where you want it.

Choose the categories that suit you best.
To start off, choose 2 out of 10 cash back categories that suit your lifestyle. By doing so, you’ll maximise your cash back rewards. As a bonus, we’ll top off your selections with the Mobile category.

Get 10% reward, every day.
Enjoy 10% cash back all year round. Just make a minimum of any 10 retail transactions monthly (with a minimum of RM50 per transaction), you’ll get to enjoy the 10% cash back on your spending in the selected categories of your choice. Click here to find out more how to maximize your cash back!

Switch reward categories to suit your current needs.
You have the flexibility to switch your reward categories at anytime and enjoy the same 10% cash back reward on your new selections.  

Highest Fixed Cash Back Return
Enjoy up to RM100 in cash back every month based on your selected cash back categories.

The cash back will be calculated at the end of each calendar month. The cumulated cash back shall be credited monthly to the Principal Cardholder's account on the following calendar month and subject to maximum cash back of RM100 per month. 10% cash back is subject to a minimum of 10 retail transactions monthly (with a minimum of RM50 per transaction) in anything during the calendar month. For each switch of cash back category, a one-time maintenance service fee of RM10 will be charged at the point of maintenance.  New category enrolment will be effective on the following calendar month.  The Bonus Category of Mobile is not applicable to change.



Merchants / Merchant Category Code (MCC)
1 Mobile Maxis, Celcom, Digi, U Mobile and YES
2 Pharmacies Guardian, Watsons, Caring and Eu Yan Sang outlets
3 Groceries All grocery stores (MCC 5411)
4 Petrol Automated fuel dispensers at all petrol stations (MCC 5542)
5 Dining All dining outlets (MCC 5811, 5812, 5814)
6 Departmental Parkson, AEON, Isetan, Metrojaya, Robinsons, Tangs, GAMA and Sogo outlets
7 Book Stores MPH, Popular, Borders, Kinokuniya, Times, Smart and BookXcess stores
8 Utilities Electricity and Water (MCC 4900)
9 Entertainment All cinemas (MCC 7832), Ticket Charge, Ticketpro, Red Box and Neway
10 Travel All airlines (MCC 3000-3299, 4511), hotels (MCC 3501-3999, 7011), tour packages (MCC 4722, 4723)



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