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Hong Leong Wise Gold Visa

Hong Leong Wise Gold Visa

Dapatkan rebat tunai sebanyak 10% untuk kategori-kategori pembelian terpilih anda. Anda boleh mengubahsuaikan kad ini mengikut cara hidup anda

Interest Rate

15.0% p.a.

Balance Transfer

6.99% p.a.

Cashback

up to 10.0%

Annual Fee

Free*

Cash back
10% Cash Back All Year round

Maximize your returns with the highest, fixed cash back in town. Enjoy 10% cash back on your chosen spend categories all year round. On top of that, you have the flexibility of being able to change your chosen spend categories at any time!

Cash flow
Hong Leong Touch n Go Zing Card Auto-Reload

Get a Touch n Go Zing Card that is linked to your Hong Leong credit card. Whenever your TnG balance falls below RM 50, it will automatically reload RM 100!

Fees
Waivable Annual Fee

Annual fee for the first year is free if you swipe once wihtin 45 days of card approval date

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Retail 10% RM 100 from RM50 and above monthly
  • Choose 2 out of 10 cash back categories ot match your spending habits and enjoy great savings!
  • Mobile is included as a bonus category.
  • You must make a minimum of 10 retails transactions monthly with a minimum of RM50 per transaction to activate the 10% cash rebate.

Hong Leong Flexi Payment Plan

Flexi payment
Pay Over With Interest Rate At When You Spend
6 months 8.99% p.a. and no one-time upfront handling fee from RM500
12 months 8.99% p.a. and no one-time upfront handling fee from RM1000
18 months 8.99% p.a. and no one-time upfront handling fee from RM1000
24 months 8.99% p.a. and no one-time upfront handling fee from RM2000
36 months 8.99% p.a. and no one-time upfront handling fee from RM2000
  • Purchases at merchants that are not part of the Hong Leong Extended Payment Plan fall under the Hong Leong Flexi Payment Plan instead.

Hong Leong Extended Payment Plan

Easy payment
Pay Over With Interest Rate At When You Spend
3 months 0% p.a. and no one-time upfront handling fee from RM500
6 months 0% p.a. and no one-time upfront handling fee from RM500
12 months 0% p.a. and no one-time upfront handling fee from RM500
18 months 0% p.a. and no one-time upfront handling fee from RM500
24 months 0% p.a. and no one-time upfront handling fee from RM500
36 months 0% p.a. and no one-time upfront handling fee from RM500
  • Pay for big purchases in instalments with zero interest!
  • Payment terms of up to 36 months at participating merchants.

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
6 Months 6.99% p.a. and no one-time upfront from handling fee from RM1000
12 Months 6.99% p.a. and no one-time from upfront handling fee from RM1000
  • Minimum balance transfer of RM1,000 required

Fees and Charges

Annual fee RM169.60. Free for the first year with minimum of one swipe within 45 days of card approval.
Annual Fee for Supplementary Card RM84.80.
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income RM24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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