HLB Wise Credit Card

Smart Savings Tailored to Your Lifestyle Needs

The Hong Leong Bank WISE Card is a long-standing favorite among Malaysian cashback enthusiasts due to its high rebate rates and category flexibility. By meeting a monthly minimum spend of RM1,000, cardholders can unlock an impressive 15% cashback on dining and 10% cashback on other essential categories including groceries, petrol, and pharmacies. This tiered system rewards consistent users with substantial monthly returns, potentially earning over RM60 in rebates every month.

One of the card’s key strengths is its broad utility. In addition to the headline categories, it also offers a generous cashback rate for online spend and eWallet reloads, ensuring that your digital transactions are just as rewarding as your physical ones. For all other spending that falls outside the core categories—including overseas transactions and insurance—the card provides an unlimited 0.2% cashback, ensuring no spend goes unrewarded.

The WISE card is designed for accessibility, with a minimum annual income requirement of RM24,000. It also features a practical fee structure, often including a first-year annual fee waiver. With its focus on the most common household spending pillars, it serves as an excellent primary card for anyone looking to systematically reduce their monthly cost of living through strategic credit card use.

Verdict: If you can comfortably spend RM1,000 a month, the HLB WISE Card offers some of the highest cashback percentages in the market. It is a highly efficient tool for maximizing returns on dining, fuel, and groceries.