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Hong Leong Bank

Essential Card

Specially designed to give you greater financial freedom and flexibility, your Hong Leong Essential Credit Card combines the best features of every credit card so you can enjoy the best of both worlds-the benefits of having multiple cards and the convenience of carrying just one. Less plastic, more power. Life couldn't be simpler!

1% unlimited cash back

With your Hong Leong Essential Credit Card, you always get something back. Whenever you use it for shopping, dining, travelling or anything else, you'll enjoy 1% cash back on your purchases. And there's no cap on how much you can get. The more you spend, the more cash back you get.

Low fee of 2% on cash advance

As a convenience for you, your Hong Leong Essential Card also gives you instant access to cash at over 1.5 million Visa ATMs in 200 countries and territories. At a minimal fee of just 2% for each transaction, you'll never have to worry about running out of cash.

Cash advance at just 10.8% p.a.

You enjoy more savings each time you make a cash advance with your Hong Leong Essential Credit Card because you're entitled to an exclusive low rate of 10.8% p.a. On top of that, you can also draw cash up to 70% of your card limit!

Annual fee waived for life

Enjoy automatic annual fee waiver with a minimum of 12 retail transactions or RM8,000 retail spend a year.

Global acceptance

Your Hong Leong Essential Credit Card is backed by VISA International, the world's most popular credit card brand that's welcomed by 29 million merchants worldwide. So every time you use your card, you can be assured that it will always be recognized and accepted anywhere in the world.

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