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Hong Leong ACCCIM Visa Credit Card

Hong Leong ACCCIM Visa Credit Card

Being an ACCCIM member gives you more than just the exclusive privilege of its full resources and assistance for your business. It also ensures you distinct recognition and success.

Interest Rate

15.0% p.a.

Balance Transfer

6.99% p.a.

Cashback

N/A

Annual Fee

Free*

Cash advance
Higher Credit Limit of up to RM 300,000

Improve your cash flow anytime by taking full advantage of the higher credit limit on your Hong Leong ACCCIM Credit Card compared to other ordinary credit cards.

Option
Pre-Approved Trading Line with HL eBroking

Your Hong Leong ACCCIM Credit Card also gives you a pre-approved HL eBroking trading line extended by up to 3 times your credit limit or a maximum trading line of RM150,000.

Fees
Low Cash Advance Fee

Enjoy a low fee of only 3% of amount advanced or a minimum of RM21.20 (comprises of Cash Advance Fee=RM20, 6% of GST=RM1.20), whichever is higher for cash advance via ATM or at branch counters.

Cash advance
Cash-On-Call

Withdraw emergency cash up to 90% of your card's available credit, and pay in affordable equal monthly installments at a low interest rate of only 9.88% p.a..

Features

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

Travel Insurance Coverage

Travel protection
Travel Coverage Sum Insured
Travel Insurance Up to RM350000
Delayed Flight Up to RM300
Missed Flight Up to RM300
Lost Luggage Up to RM750
Delayed Luggage Up to RM300

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.

Fees and Charges

Annual fee
  • RM228.96. Free for the first 3 years.
  • Waived in subsequent years if you swipe 12 times a year or spend RM5000 a year.
  • Waived for life if you spend RM100,000 in your first year.
Annual Fee for Supplementary Card RM114.48.
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
  • This card is available to ACCCIM members only.

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