With your Hong Leong Essential Visa Card, you will always get something back. Whenever you use it for shopping, dining, travelling or anything else, you'll enjoy up to 1% unlimited cash back on your purchases.
Enjoy a low fee of only 2% of amount advanced or a minimum of RM5, whichever is higher for cash advance via ATM or at branch counters.
Get 1% unlimited cash back on all retail transactions and 0.6% cash back on insurance transactions!
| Cash Back Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| All Transactions | 1% | Uncapped | RM 5,001 and above monthly |
| All Transactions | 0.6% | Uncapped | RM 5,000 monthly |
| Insurance Transactions | 0.6% | Uncapped | Any amount monthly |
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 Months | 6.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 12 Months | 6.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 500 |
| 12 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 18 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 1,000 |
| 24 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 2,000 |
| 36 Months | 8.99% p.a. with no one-time upfront handling fee | From RM 2,000 |
| Annual Fee For Primary Card | RM 100* |
|---|---|
| Annual Fee For Supplementary Card | RM 50* |
| Minimum Monthly Payment | RM 50 or 5% of the outstanding amount, whichever is higher |
| Late Payment Fee | RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100 |
| Cash Withdrawal Fee | RM 5 or 2% of the withdrawn amount, whichever is higher |
| Interest Rate On Cash Withdrawals | 10.8% p.a. |
*Waived when you spend a minimum of RM 8,000 p.a or make a minimum of 12 transactions p.a.
| 15% Per Annum | Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months |
|---|---|
| 17% Per Annum | Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle |
| 18% Per Annum | Tier 3: Cardmembers who do not fall within the above categories |
| Minimum Annual Income | RM 24,000 |
|---|---|
| Minimum Age For Primary Card | 21 years old |
| Minimum Age For Supplementary Card | 18 years old |
| Who Can Apply | Anyone |
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