Hong Leong Essential Visa Card

Mohon untuk Hong Leong Essential Visa Card dengan Hong Leong Bank

Dengan Kad Visa Penting Hong Leong, anda akan sentiasa mendapat sesuatu kembali. Setiap kali anda menggunakannya untuk membeli-belah, makan, bepergian atau apa-apa lagi, anda akan menikmati wang tunai tanpa had 1% pada pembelian anda.

Hong Leong Essential Visa Card
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Product Highlights

Fees
Low Cash Advance Fee

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.

Cash back
Up To 1% Unlimited Cash Back

Get 1% unlimited cash back on all retail transactions and 0.6% cash back on insurance transactions!

Features

Cash Back

Cash back
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
  • Excluding JomPAY, petrol and government department transactions 

Balance Transfer

Balance transfer
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

Flexi Payment Plan

36 months
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

 

Fees and Charges

Annual Fee For Primary Card RM 100*
Annual Fee For Supplementary Card RM 50*
Mininum 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Cash Withdrawal Fee RM 5 or 2% of the withdrawn amount, whichever is higher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.

Interest Rate

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

Requirements

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