A great card for people who love to shop at The Store and Pacific department stores. Get up to 6% cash back when you spend at The Store and Pacific and 0.5% cash back on other retail payments
Earn up to 6% cash back on travel, petrol, and dining, wherever you are in the world!
Get an exclusive invitation to enjoy more discounts, benefits, special promotions and activities during Hong Leong special events.
Enjoy a host of privileges from hotels to restaurants and many more, anywhere throughout Malaysia.
| Cash Back Category | Cash Back Rate | Monthly Cap | Spend |
|---|---|---|---|
| The Store & Pacific | 6% | RM 75 | RM 1,500 and above monthly |
| The Store & Pacific | 3% | RM 75 | RM 1,500 and below monthly |
| Other Transactions | 0.5% | 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 150* |
|---|---|
| Annual Fee For Supplementary Card | RM 75* |
| 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| Cash Withdrawal Fee | RM 20 or 5% of the withdrawn amount, whichever is higher |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. |
*First year waived when you make 1 transaction within 45 days of card issuance date. Subsequent years waived when you 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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