Dining, Groceries, Petrol & Cashback: Why I Switched to the HLB Wise Card

If you’re anything like me, a big part of your spending goes to food—whether it’s dining out in Penang, weekend brunches, or stocking up for a good wine night at home. Now imagine getting up to 15% cashback on those meals. That’s exactly why I started using the Hong Leong Bank Wise Card—a credit card that actually rewards the way I live.

I’ve been banking with Hong Leong Bank for years, and it’s been consistently smooth—from online banking to everyday transactions. So when I started looking for a credit card that fits my lifestyle, I naturally explored their options. The Wise Card stood out immediately—not because it’s flashy, but because it’s practical and rewarding where it matters most.

Earn Cashback on What You Already Spend

Here’s where things get interesting—especially if you spend RM1,000 or more per month:

Dining (Perfect for Foodies)

• 0.5% cashback on weekdays

• 15% cashback on weekends (capped at RM20)

Groceries & Essentials

• 0.5% cashback on weekdays

• 10% cashback on weekends (capped at RM15)

Petrol

• 0.5% cashback on weekdays

• 10% cashback on weekends (capped at RM15)

Online Spending (Shopee, Lazada, Grab and more)

• 1% cashback (capped at RM15)

Other Spending (Including Overseas)

• 0.2% unlimited cashback

Even if you don’t hit RM1,000 per month, you will still earn 0.2% cashback (capped at RM2).

Low Annual Fee That Pays for Itself

Another reason this card makes sense is the affordable annual fee—just RM98 for the principal card and RM48 for a supplementary cardholder. But here’s the important part: it’s actually very easy to offset this cost. With cashback rates like 15% on weekend dining and 10% on groceries and petrol, hitting RM65 or more in cashback in a month is very achievable if you use the card regularly. In other words, you can cover your annual fee in just one good month of spending, and everything after that becomes real savings.

Why This Card Works for My Lifestyle

Most of us don’t want to change our spending habits just to earn rewards.

What I like about the Wise Card is simple:

• I dine out and earn cashback

• I buy groceries and earn cashback

• I order food or shop online and still earn cashback

The biggest advantage is the 15% cashback on weekend dining, which is when most of us actually go out and enjoy good food. That’s where this card really delivers value.

Limited-Time Promo

If you are planning to get a new credit card, this is a good time to apply. When you apply, you will get:

• A chance to win a Premium Reward, or

• RM200 cashback

Use my referral code when applying online: QV1KCLBBRC

This promotion is only available for a limited time.

Disclaimer: Offer valid for new Hong Leong Bank Credit Cardholders only. Terms and conditions apply.