FEATURES & BENEFITS
Enjoy 8% cashback when you pay for popular Online Spend merchants, Groceries & Essentials (including selected convenience stores), Petrol and Dining on Weekends with HLB WISE Credit Card. What is more, you will enjoy unlimited cash back on other transactions using this credit card such as Insurance, Utilities, Mobile and more.
Eligibility
- Aged 21 to 65 years old (Principal) | 18 years old (Supplementary)
- Minimum annual income of RM24k
OR a minimum fixed deposit pledged of RM2,000
More details
Less details
Minimum Spend / month (posted transaction) |
Spend category |
Eligible Merchant Category Codes (MCC), Merchants and/or Transactions |
Transactions performed on Weekdays |
Transactions performed on Weekends |
Maximum cashback per month |
|---|---|---|---|---|---|
RM500 |
Online Spend |
• Lazada • Shopee • Grab • Foodpanda • Touch N Go • MYEG • Spotify • Netflix • Apple Music Note: Applicable to e-wallet top ups and food delivery transactions for the above listed merchant only |
Enjoy 1% cashback |
Enjoy 8% cashback |
RM15 |
Groceries & Essentials (Enhanced) |
• MCC: 5411 – All grocery stores including Giant, Cold Storage, Jaya Grocer, Mercato, etc. • (New) MCC: 5912 – All drug stores and pharmacies including Guardian, Watsons, Caring Pharmacy, etc. • (New) Selected convenience stores – MyNews and 7Eleven |
Enjoy 1% cashback |
Enjoy 8% cashback |
RM15 |
|
Petrol |
• MCC: 5542 – Automated Fuel Dispensers (self-service) at all petrol stations |
Enjoy 1% cashback |
Enjoy 8% cashback |
RM15 |
|
Dining |
• MCC: 5811/5812/5814 – All dining outlets |
Enjoy 1% cashback |
Enjoy 8% cashback |
RM15 |
|
Others* |
• Any MCC or merchants not defined above |
Enjoy 0.25% cashback |
Unlimited |
||
Below RM500 |
All |
• All MCC |
Enjoy 0.25% cashback |
RM1.25 |
|
*All Government/JomPAY/FPX bill payment related transactions, QR Pay transactions via HLB Connect App, Cash Advances, Quasi Cash (betting and gaming related transactions), Quick Cash, Flexi Payment Plan, Auto Balance Conversion (ABC), Balance Transfers and any fees and charges are not eligible for cashback.
Click here for the list of fees and charges, or visit any of our branches for further information.
Spend Categories
Q: What are the Merchant Category Code (MCC), merchants and /or transactions which are eligible for up to 8% cashback for Online Spend, Groceries & Essentials, Petrol and Dining?
A: The eligible MCC, Merchants and/or transactions are listed in the table below:
Spend Category |
Eligible Merchant Category Codes (MCC), Merchants and/or Transactions |
|---|---|
Online Spend |
• Lazada • Shopee • Grab • Foodpanda • Touch N Go • MYEG • Spotify • Netflix • Apple Music Note: Applicable to e-wallet top ups and food delivery transactions for the above listed merchant only |
Groceries & Essentials (Enhanced) |
• MCC: 5411 – All grocery stores including Giant, Cold Storage, Jaya Grocer, Mercato, etc. • (New) MCC: 5912 – All drug stores / pharmacies including Guardian, Watsons, Caring Pharmacy, etc • (New) Selected convenience stores – MyNews and 7Eleven |
Petrol |
• MCC: 5542 – Automated Fuel Dispensers (self-service) at all petrol stations |
Dining |
• MCC: 5811/5812/5814 – All dining outlets |
Cash Back
Q: Can you define Weekends and Weekdays?
A: Weekends refer to Saturdays and Sundays whilst Weekdays refer to Monday, Tuesday, Wednesday, Thursday and Fridays.
Q: How do I qualify for up to 8% cash back on the 4 spend categories?
A: You must meet the minimum spend of RM500 (posted transactions) for the month to qualify
Q: If I performed a Petrol transaction on a Sunday and the transaction posted on the following day, which is a Monday, does it mean I will only enjoy 1% cash back on Petrol?
A: You will enjoy 8% cash back because you performed the transaction on a Weekend. Please always bear in mind that, to qualify for up to 8% cash back on Petrol, Groceries and Dining, your total posted transaction must meet minimum spend of RM500 for the month.
Q: How are cashbacks on Weekdays and Weekends calculated?
A: If you meet the minimum spend of RM500/posted transactions for the month, here is a sample illustration:
|
Transactions Performed on Weekdays |
Transactions Performed on Weekends |
Total Eligible cashback (RM) |
Remarks |
||
|---|---|---|---|---|---|---|
Spend Categories |
Spend (RM) |
cashback (RM) |
Spend (RM) |
cashback (RM) |
||
Online Spend |
50.00 |
0.50 (1%) |
100.00 |
8.00 (8%) |
8.50 |
Within RM15 cap |
Groceries & Essentials |
50.00 |
0.50 (1%) |
300.00 |
24.00 (8%) |
15.00 |
Capped at max RM15 |
Petrol |
100.00 |
1.00 (1%) |
300.00 |
24.00 (8%) |
15.00 |
Capped at max RM15 |
Dining |
50.00 |
0.50 (1%) |
100.00 |
8.00 (8%) |
8.50 |
Within RM15 cap |
Others |
20.00 |
0.05 (0.25%) |
30.00 |
0.08 (0.25%) |
0.13 |
Unlimited |
Total |
270.00 |
2.55 |
830.00 |
64.08 |
47.13 |
Total eligible cashback is RM47 (rounded to nearest Ringgit Malaysia) |
Total posted transaction for the month = RM270 + RM830 = RM1100
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