Hong Leong Bank


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Credit Card


 
(i) HLB Credit Card

No Description / Service Charges / Fees
a) Annual Fees  
  Classic Card RM80 principal card / RM40 supplementary card
  Gold Card RM160 principal card / RM80 supplementary card
  Wise Gold Card RM160 principal card / RM80 supplementary card
  MTV RM160 principal card / RM80 supplementary card
  Platinum MasterCard Card RM400 principal card / RM200 supplementary card
  Wise Platinum Card RM300 principal card / RM150 supplementary card
  Platinum American Express Card RM800 principal card / RM400 supplementary card

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No Description / Service Charges / Fees
b) Finance Charges  
  i. Retail purchases  
 

Cardholder's payment behavior

Retail Interest Rate per annum
 
  • Cardholders who promptly settle their minimum payment due for 12 consecutive months
15% p.a.
 
  • Cardholders who promptly settle their minimum payment amount due for 10 months or more in a 12-month cycle
17% p.a.
 
  • Cardholders who do not fall within the above categories.
18% p.a.
  ii. Cash Advance 18% p.a. of the outstanding amount calculated on a daily basis from transaction date until full repayment date.
  iii. Balance Transfer A nominal fee ("IBG Transaction Fee") of RM2.00 will be charged for every Interbank GIRO (IBG) transaction.

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No Description / Service Charges / Fees
c) Cash Advance Fee i. 5% of the amount advanced or a minimum of RM20, whichever is higher (for Classic/Gold/Platinum) .
ii. 3% of amount advanced or a minimum of RM20, whichever is higher (for Hong Leong ACCCIM and Platinum Business Card only).
This is imposed for each cash advance transaction. Minimum withdrawal for each cash advance is RM200.

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No Description / Service Charges / Fees
d) Minimum Monthly Repayment 5% of the outstanding balance or a minimum of RM50, whichever is higher.

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No Description / Service Charges / Fees
e) Late Payment Charge

1% of total outstanding balance as at statement date, or a minimum of RM10 whichever is higher, subject to a maximum of RM75.

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No Description / Service Charges / Fees
f) Interest Free Period 20 days from statement date provided the current balance of your previous statement is fully paid by payment due date. Otherwise, interest shall be charged on retail purchase transactions from respective posting dates

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No Description / Service Charges / Fees
g) Card Replacement Fee RM50 (or such amount as may be determined by the Bank from time to time).

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No Description / Service Charges / Fees
h) Overseas Transactions Transactions in Foreign Currency

The conversion rate as determined by VISA International, MasterCard International or American Express,  plus any administration fees charged by VISA International, MasterCard International or American Express, plus up to 1.5% administration fee imposed by the Bank.

Transactions in Ringgit Malaysia (RM)

Any administration fees charged by VISA International, MasterCard International or American Express.

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No Description / Service Charges / Fees
i) Joining Fee No joining fee.

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No Description / Service Charges / Fees
j) Sales Draft Request RM20 per sales draft

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No Description / Service Charges / Fees
k) Statement Request RM5 per statement/month (above 2 months)

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No Description / Service Charges / Fees
l) Credit Balance Refund
  1. Transfer made via Interbank GIRO (IBG) : RM2.00
  2. Transfer to Current/Savings Account maintained with HLB/HLISB : No charge

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No Description / Service Charges / Fees
m) Re-direction and Re-delivery Fee for every product delivery after the first unsuccessful delivery attempt under the Hong Leong Rewards Programme
  1. RM10 Re-direction fee on every Cardholder's request to re-direct to a different address.
  2. RM10 Re-delivery fee on every Cardholder's request to re-deliver to the same address.

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No Description / Service Charges / Fees
n) Early Settlement Penalty Fee
  • Balance Transfer
  • Cash On Call


RM70
RM25

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(ii) Other Credit Card ( Hong Leong GSC, Hong Leong INGIAFAM, Hong Leong MATTA, Hong Leong Ming Heng, Hong Leong MRCA, Hong Leong Pavilion, Hong Leong The Store and Pacific, Hong Leong JBCS, Hong Leong Generic Cards with card number starting with 4028 14, 5430 47, 4028 15, 5430 63, and 5148 96 VISA/MasterCard Credit Card)

No Description / Service Charges / Fees
a) Annual Fees  
  VISA Signature RM600 principal card /
RM300 supplementary card
  Platinum RM300 principal card /
RM150 supplementary card
  Gold RM150 principal card /
RM75 supplementary card
  Classic RM75 principal card /
RM50 supplementary card

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No Description / Service Charges / Fees

b)

Statement Request Fee RM5 per statement request  

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No Description / Service Charges / Fees

c)

Sales Drafts Retrieval Fee RM15 per draft  

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No Description / Service Charges / Fees

d)

Card Replacement Fee due to lost and stolen

i) VISA Signature :

 1st time - RM50
2nd time - RM100
Subsequent - RM150

ii) Platinum :

 1st time - RM50
2nd time - RM100
Subsequent - RM150

iii) Gold :

 1st time - RM50
2nd time - RM100
Subsequent - RM100

iv) Classic :

 1st time - RM50
2nd time - RM100
Subsequent - RM100

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No Description / Service Charges / Fees

e)

Overlimit Fee N/A  

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No Description / Service Charges / Fees

f)

Overseas Purchases Transactions in Foreign Currency

The conversion rate as determined by VISA International, MasterCard International or American Express,  plus any administration fees charged by VISA International, MasterCard International or American Express, plus up to 1.5% administration fee imposed by the Bank.

Transactions in Ringgit Malaysia (RM)

Any administration fees charged by VISA International, MasterCard International or American Express.

 

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No Description / Service Charges / Fees

g)

Cash Advance Fee The cash advance fee is 4.5% of the amount advanced or a minimum of RM20. This is imposed for each cash advance transaction.  

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No Description / Service Charges / Fees

h)

Retail Interest Rate  
 

Cardholder's payment behavior

Retail Interest Rate per annum
 
  • Cardholders who promptly settle their minimum payment due for 12 consecutive months
15% p.a.
 
  • Cardholders who promptly settle their minimum payment amount due for 10 months or more in a 12-month cycle
17% p.a.
 
  • Cardholders who do not fall within the above categories.
18% p.a.

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No Description / Service Charges / Fees

i)

Cash Interest Rate 18% per annum of the cash advance amount calculated on a daily basis from the transaction date.  

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No Description / Service Charges / Fees

j)

Balance Transfer (BT) / BTIL*  

i) Early Settlement Penalty Fee RM70

ii) Inter-Bank Giro (IBG) Nominal Fee (fund transfer via IBG) RM2
  * Also applicable for Balance Transfer Installment Plan (BTIL)  

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No Description / Service Charges / Fees

k)

Call For Cash  

i) Early Settlement Penalty Fee N/A

ii) IBG Nominal Fee RM2

iii) CFC One-Time Interest Fee
Tenure
One-time Interest Fee
6 months
2.99%
12 months
4.99%
24 months
7.99%
36 months
10.99%

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No Description / Service Charges / Fees

l)

My Payment Plan
Installment Plan
One-time Handling Fee
6 months
2.50%
12 months
3.00%
24 months
5.00%
36 months
7.00%

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No Description / Service Charges / Fees

m)

Zing  

i) Subscription Fee RM10.00

ii) Card Replacement Fee RM10.00

iii) Auto-Reload Fee RM2.00

iv) Processing Fee on Unutilized Value Refund RM5.00

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No Description / Service Charges / Fees
n) Credit Balance Refund
  1. Transfer made via IBG : RM2.00
  2. Transfer to Current/Savings Account maintained with HLB/HLISB : No charge

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