Hong Leong Wise Gold Credit Card
Earn while you spend with the Hong Leong Wise Gold card that provides 10% cashback on all expenses charged onto the card.
Hong Leong Wise Gold Card Benefits
The Hong Leong Wise Gold Credit Card provides cashback on all retail expenses. Cardholders must choose two among 10 available categories for cashback. The cardholders can choose categories based on what fits their lifestyle best. The card earns cashback of 10% capped at RM 100 a month when the cardholder spends more than RM 50 a month. Cardholders can also choose a category of petrol and receive a 10% cashback on petrol expenses incurred at any petrol station. Similarly if the cardholder chooses travel as a category, they can receive cashback on airfare.
Hong Leong Wise Gold Card Features
The features of the Hong Leong Wise Gold Credit Card are as follows
- The interest rate charged on this card is 15% p.a.
- The card has a 20 day interest free period
- The card is equipped with an Easy payment plan
- The card is equipped with a Balance transfer plan
- This primary card has an annual fees of RM 169.60
- The supplementary card has an annual fees of RM 84.80
- The minimum monthly payment to be made is RM 50 or 5% of the outstanding amount.
- Late payment penalty is 1% of the outstanding amount capped to a maximum of RM 100
- The card charges 18% p.a. on cash withdrawals and has a withdrawal fee of 5.3% of the amount withdrawn. Daily limit for cash withdrawal limit is RM 5000.
- Cardholders can avail cash advances on their available line of credit
Hong Leong Wise Gold Card Requirements or Eligibility
The eligibility criteria to apply for the Hong Leong Wise Gold Credit Card are as follows
- The minimum age of primary cardholder is 21 years of age
- The minimum age of supplementary cardholder is 18 years of age
- The minimum annual income required to apply for this card is RM 24,000
- Anybody meeting the required age and income criteria can apply for this card
Other Credit Cards Offered by Hong Leong
The other credit cards offered by Hong Leong are
- Hong Leong American Express Classic
- Hong Leong American Express Gold
- Hong Leong MATTA Card
- Hong Leong Platinum Card
- Hong Leong GSC Gold Card
- Hong Leong American Express Platinum
- Hong Leong Classic Card
- Hong Leong The Store and Pacific Platinum
- Hong Leong Gold Card
- Hong Leong Fortune Credit card
- Hong Leong Essential Card
- Hong Leong The Store and Pacific Gold Card
Hong Leong Wise Gold Card Balance Transfer
The Hong Leong Wise Gold Credit Card offers balance transfer plans that help cardholders pay off outstanding credit card dues by providing tenures with low interest rates. The available tenures are 6 months and 12 months at an interest rate of 6.99% p.a. The minimum amount that can be transferred under this plan is RM 1000.
Hong Leong Wise Gold Card Review
This credit card is at the frontier of providing cashback. Cardholders can choose whichever category best suits their lifestyle. Commuters can earn cashback on petrol expenses and frequent flyers can earn cashback on airfare. The card has a total of 10 categories to choose from and helps the cardholder to earn while they spend. The card also has balance transfer plans and easy payment plans all of which help maximise the cardholder’s savings.