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    Hong Leong cashback credit cards

    A cashback credit card allows you to earn cash rebates and other privileges. With Hong Leong cashback credit cards, you can earn a percentage of your expenses with every purchase you make. Though each card has its own unique features, all provide cashback on a number of retail transactions.

    Hong Leong WISE Credit Card (Gold/Platinum)

    Cashback Category (Choose one from the following) Cashback Rate Minimum Spend Requirement Per Month Monthly Cap
    Dining 10% RM2,000 RM100
    Travel 10% RM2,000 RM100
    Petrol 10% RM2,000 RM100
    Groceries 10% RM2,000 RM100
    Mobile 10% RM2,000 RM100
    Departmental 10% RM2,000 RM100
    Utilities 10% RM2,000 RM100
    Bookstores 10% RM2,000 RM100
    Pharmacies 10% RM2,000 RM100
    Entertainment 10% RM2,000 RM100

    Features and Benefits

    • Earn 10% cashback on multiple categories each month.
    • Change the category to suit your requirements.

    Hong Leong Essential Credit Card (Gold/Platinum)

    Cashback Category Cashback Rate Minimum Spend Requirement
    Retail transactions 1% For first RM5,000
    Retail transactions 0.6% For subsequent spend
    Insurance 0.6% NA

    Features and Benefits

    • Get instant cash at a low cash advance fee of 2% of the advanced amount.
    • Withdraw up to 70% of your assigned credit limit for an interest rate of 10.8% p.a.
    • Get an annual fee waiver for a minimum of 12 transactions or an annual spend of RM8,000.

    Hong Leong The Store & Pacific Credit Card

    Cashback Category Cash Rebate Rate Minimum Spend Requirement Monthly Cap
    Transactions at The Store & Pacific 3% RM1,500 RM45
    Transactions at The Store & Pacific 6% Above RM1,500 RM30
    Other retail purchases (excluding The Store & Pacific) 0.5% NA No maximum limit

    Features and Benefits

    • Get cash rebates in the form of vouchers from The Store & Pacific.
    • Redeem your vouchers on a range of products from any of The Store & Pacific outlets.
    • Shop at The Store & Pacific using your card to get exclusive discounts on selected products.
    • Enjoy privileges at a range of partner outlets across Malaysia, including restaurants, hotels and retail stores.

    Hong Leong Fortune Credit Card

    Cashback Category Cash Earning Rate Monthly Cap
    Retail transactions 1% RM50

    Features and Benefits

    • Get 1% real cash for every Ringgit spent using this card.
    • Earn interest on your Real Cash Earnings.
    • Get more cash on anniversary spends.
    • Get the annual fee waived with at least 12 retail transactions or total annual purchases worth RM8,000.

    How Does the Cashback Work for the Hong Leong Cashback Credit Cards?

    To understand how the cashback works, let’s take a look at the working mechanism of Hong Leong The Store & Pacific Credit Card with the help of the following illustration:

    If you are spending RM2,300 at one of The Store & Pacific outlets in a month, you will be entitled to 3% cashback for the first RM1,500 and 6% cashback for the remaining RM800. So the total cash rebate you earn from this spend will be RM45 + RM30 = RM75.

    Overall Spend Amount spent at The Store & Pacific Rebate for the first RM1,500 Rebate for amount over RM1,500 Rebate Cap for amount over RM1,500 Total Rebate
    RM4,000 RM2,300 RM45 (3%) RM48 (6% of RM800) RM30 RM75

    Taking the example of Hong Leong Essential Credit Card, if you make insurance payments of RM1,000 in a particular month, you will be entitled to 0.6% cashback, which is RM6.

    Overall Insurance Spend Cashback % Total cashback
    RM1,000 0.6% p.a. RM6

    Fees and Charges

    Key Charges
    Annual Fee (principal cardholder) Hong Leong WISE Card: RM300 for Platinum card and RM250 for Gold card
    Hong Leong Essential Card: RM100
    Hong Leong The Store & Pacific Card: RM300 for Platinum card and RM150 for Gold card
    Hong Leong Fortune Card: RM160
    Annual Fee (supplementary cardholder) Hong Leong WISE Card: RM150 for Platinum card and RM80 for Gold card
    Hong Leong Essential Card: RM50
    Hong Leong The Store & Pacific Card: RM150 for Platinum card and RM75 for Gold card
    Hong Leong Fortune Card: RM80
    Retail Interest Rate 15 to 18% p.a.
    Cash Withdrawal Fee Hong Leong Essential: 2% of the advanced amount or a minimum of RM5, whichever is higher
    All other cards: 5% of the advanced amount or a minimum of RM20, whichever is higher
    Cash Advance Interest Rate Hong Leong Essential: 10.8% p.a.
    All other cards: 18% p.a.
    Late Payment Fee RM10 or 1% of the due amount, whichever is higher, subject to a maximum of RM100
    Minimum Monthly Payment 5% of the balance amount or a minimum of RM50, whichever is higher

    Eligibility

    Card Name Age Requirements Income Requirements
    Hong Leong WISE Principal card: 21 years Platinum: RM60,000 p.a.
    Supplementary card: 18 years Gold: RM24,000 p.a.
    Hong Leong Essential Principal card: 21 years RM24,000 p.a.
    Supplementary card: 18 years
    Hong Leong The Store & Pacific Principal card: 21 years Platinum: RM60,000 p.a.
    Supplementary card: 18 years Gold: RM24,000 p.a.
    Hong Leong Fortune Principal card: 21 years RM24,000 p.a.
    Supplementary card: 18 years

    Documents Required

    Employment Type Documents Required (For All Cards)
    Employed Professionals
    • 3 months' payslips (latest)
    • EPF statement with the latest 6 months contribution
    • Form BE
    • 3 months’ bank statements (latest)
    • Letter of employment
    Self-employed Professionals
    • EPF statement with the latest 6 months contribution
    • Form B
    • 6 months’ bank statements (latest)

    How To Apply for the Hong Leong Cashback Credit Cards?

    Mode Process
    Offline Application
    • Visit the nearest branch
    • Choose your preferred card
    • Fill out the application form
    • Submit supporting documents along with the completed application form for approval
    Online Application
    • Visit the bank's official website
    • Go to the specific card’s page
    • Fill in your personal details
    • Add your employment details
    • Add what name you want on the card
    • Confirm the information
    • Upload supporting documents
    • Send the application for approval

    Hong Leong has four cashback credit cards with their own unique features. In order to choose a card that suits your needs, go through each card’s individual specifications to get an idea on how you can benefit from it. You also need to read the product disclosure sheet, and the terms and conditions of each card carefully to make the right choice.

    FAQs on Hong Leong Cashback Credit Card

    Q. Will I get rewards and cashback on retail transactions?

    A. No. Only cashback is applicable for all the cashback credit cards.

    Q. Will I be entitled to cashback when I shop overseas?

    A. Yes. The cashback is applicable for overseas transactions. The cashback will be considered after the conversion of foreign currency to Malaysian Ringgit, excluding administrative charges if any.

    Q. When will I receive the cashback on my card?

    A. The cashback will be credited to your account and will reflect in your monthly statement. For the Hong Leong Fortune credit card, the real cash amount is determined at the end of the billing cycle. The amount will be credited to your account and will reflect in your monthly statement.

    Q. Will I receive cashback when I shop using my supplementary card?

    A. Yes. You will receive cashback on retail transactions performed on your supplementary card.

    Q. Will I get cash rebates when I use my card for government services?

    A. No. Government services are excluded from the cashback programme.

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