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Hong Leong Fortune Visa

Hong Leong Fortune Visa

With every transaction you make, you earn real cash in return, which you can access anytime. So the more you charge to your credit card, the more cash in your pocket

Interest Rate

15.0% p.a.

Balance Transfer

6.99% p.a.

Cashback

up to 1.0%

Annual Fee

Free*

Cash back
1% Real Cash Earnings on Your Purchases

Whether it's shopping, dining, petrol or anything else, you will earn 1% cash for every Ringgit spent. E.g. RM100 x 1% = RM1. Spend more, earn more.

Interest
Earn Interest on Your Real Cash Earnings

Your Real Cash Earnings balance will also be earning interest (interest rate is based on the prevailing Hong Leong Bank 3-month fixed deposit rate)

Cash advance
Get up to RM1,800 extra real cash money

On your card's anniversary, you can as much as RM 1,800 in real cash!

No expiry
Your Cash Earned Never Expires!

The cash you earn is yours to use as you wish. Withdrawals can be made anytime at any Hong Leong Bank ATM

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
Any Retail 1% RM 50 from RM2000 and above monthly

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.

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

Fees and Charges

Annual fee RM169.60. Waived with minimum 12 retail transactions or RM8000 retail spend in a years.
Annual Fee for Supplementary Card RM84.80.
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 RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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