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    Hong Leong Wise Gold Card

    Hong Leong Wise Gold Credit Card is a card that offers savings through cashback. The card is a no-frills card which lets cardholders earn a high amount of cashback on expenses charged to the card all year long provided they meet the qualifying criteria.

    Features

    • The card is a cashback card which earns cashback on select categories.
    • The card offers a balance transfer plan.
    • The card can earn cashback at a large selection of merchant outlets.

    Benefits

    • The card earns up to 10% cashback on expenses charged to it.
    • The card requires a minimum spend of RM2,000 to be charged to it in a calendar month to earn the cashback of 10%. The cashback earned per month is capped to a maximum of RM100.
    • The card can earn cashback only on specified categories. Cardholders can choose 2 categories from up to 10 different categories to earn the cashback from.
    • The categories include mobile, pharmacies, groceries, departmental stores, bookstores, dining, petrol, travel, utilities, or entertainment expenses.

    Eligibility Criteria

    Applicants must meet the following criteria to avail this card:

    • The principal cardholder must meet the minimum age requirement of 21 years.
    • The supplementary cardholder must meet the minimum age requirement of 18 years.
    • The employees must be earning a minimum annual income of RM24,000.

    Fees and charges

    Types of Fees Charges
    Annual fees – Principal card RM265
    Annual fees – Supplementary card RM84.80
    Minimum monthly repayment The higher amount between 5% of the outstanding balance or RM50.
    Interest-free period 20 days.
    Finance charge on purchases The rates offered for cardholders who pay on time for 12 consecutive months is 15% p.a. The rates offered for cardholders who pay on time for 10 or more payments in a 12-month period is 17% p.a. and for cardholders not belonging  to the above categories, the interest charged is 18% p.a.
    Finance charge on cash advance 18% p.a.
    Overseas transactions Transactions carried out overseas are converted into Malaysian Ringgit and the converted transaction has a 1% mark-up levied on it.
    Cash withdrawal fee RM21.20 or 5.3% of the amount withdrawn, whichever is higher.
    Late payment charges 1% of the outstanding balance or RM10. The maximum fee that can be charged is RM100.
    Card replacement fee RM50 for every card replaced.
    Sales Draft retrieval RM21.20 per copy
    Copy of monthly statement RM5.30 per copy

     

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