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.
Your Real Cash Earnings balance will also be earning interest which is based on the prevailing Hong Leong Bank 3-month fixed deposit rate.
On your card's anniversary, you can earn as much as RM 1,800 in real cash!
The cash you earn is yours to use as you wish and you can make withdrawals anytime at any Hong Leong Bank ATM!
| Cash Back Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| All Transactions | 1% | RM 50 | 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 160* |
|---|---|
| Annual Fee For Supplementary Card | RM 80* |
| 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| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |
| Interest Rate On Cash Withdrawals | 18% 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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