1. Cashback Programme (“Programme”)
(a) Principal Cardholders of the WISE Card (“Cardholders") will be awarded with cashback of up to 15% (“Cashback”), subject to the following:
(i) a minimum spend of Ringgit Malaysia One Thousand (RM1,000) on the Eligible Retail Transactions (as defined under Clause 3(a) herein) in each calendar month where the minimum spend is calculated after taking into account all reversals (if any);
(ii) such minimum spend of Ringgit Malaysia One Thousand (RM1,000) on the Eligible Retail Transactions are posted in the same calendar month; and
(iii) such Eligible Retail Transactions fall under the permitted categories (i.e. Spend Category and Eligible Merchant Category Codes (MCC), Merchants and/or Transactions) as listed in Table 1 below; or such other conditions as may be notified by HLB from time to time.
3. Terms and Conditions of the Programme
(a) The term “Eligible Retail Transaction” shall refer to any retail purchase transaction made locally and overseas, including online transactions which are charged to the WISE Card (i.e. only applicable to the Principal WISE Cards) but EXCLUDE the following transactions (the list
below is not exhaustive and HLB reserves the sole right to determine if a transaction fall within the definition of Eligible Retail Transactions):

(i) cash-type transactions including but not limited to Cash Advances and Balance Transfers;
(ii) Quick Cash transactions;
(iii) fees and charges including but not limited to charges for cash withdrawals and cash payments, annual fees, interest and/or finance charges, disputed transactions, government charges such as taxes and any other kind of charges and penalties;
(iv) instalment conversion transactions including but not limited to Flexi Payment Plan;
(v) fund transfers (from or to HLB’s account whether by HLB or third party);
(vi) disputed transactions that are subsequently reversed from the account of the Principal Cardholder;
(vii) QR Pay Transactions made via the HLB Connect App.


Transactions that are not Eligible Retail Transactions will not be entitled to any Cashback and the amount spent from these transactions will not contribute to or form part of the minimum spend requirement of Ringgit Malaysia One Thousand (RM1,000) or any spend below Ringgit Malaysia One Thousand (RM1,000) for each calendar month.


For all government, JomPAY and/or FPX transactions, the amount spent from these transactions will contribute and form part of the minimum spend of Ringgit Malaysia One Thousand (RM1,0 00) foreach calendar month. However, these transactions will not be entitled to any Cashback.