Hong Leong Essential Visa Card

Apply for Hong Leong Essential Visa Card by Hong Leong Bank

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Hong Leong Essential Visa Card
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Product Highlights

Cash back
1% Unlimited Cash Back

Get 1% unlimited cash back on all purchases

Fees
Low Cash Advance Fee

Enjoy a low fee of only 3% of amount advanced or a minimum of RM21.20 (comprises of Cash Advance Fee=RM20, 6% of GST=RM1.20), whichever is higher for cash advance via ATM or at branch counters.

Cash flow
Hong Leong Touch n Go Zing Card Auto-Reload

Get a Touch n Go Zing Card that is linked to your Hong Leong credit card. Whenever your TnG balance falls below RM 50, it will automatically reload RM 100!

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Retail 0.6% RM30 up to RM5,000 monthly
All Retail 1% uncapped from RM5,001 and above monthly
Insurance Transactions 0.6% uncapped any amount 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
  • RM228.96. Free for the first 3 years.
  • Waived in subsequent years if you swipe 12 times a year or spend RM5000 a year.
  • Waived for life if you spend RM100,000 in your first year.
Annual Fee for Supplementary Card RM114.48
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