Hong Leong Gold MasterCard by Hong Leong Bank

Product Highlights

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

Hong Leong Flexi Payment Plan

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

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	RM169.60.
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Cash withdrawal fee	RM21.20 or 5.30% of withdrawn amount, whichever is higher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	9.88%

*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