Hong Leong Essential Credit Card

Hong Leong Essential Credit Card

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  • Cash Back >
  • Essential Card
hlb essential credit card

Enjoy unlimited cash back up to 1% on all credit card spend

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Features & Benefits

  • Features & Benefits
  • Privileges
  • Fees & Charges
  • T&C, PDS & Forms

This credit card gives you up to 1% unlimited cashback on insurance & other retail transactions.

Up To 1% Unlimited Cash Back

  • 0.4% unlimited cash back on insurance transactions

    Other retail transactions*

  • 0.4% cash back on first RM7,000 spend (tier 1)

  • 1% unlimited cash back on subsequent spend (tier 2)

 

* Retail Transactions (both local and international) EXCLUDING all Government and JomPAY related transactions, Cash Advances, Quasi Cash (betting and gaming related transactions), Call-For-Cash, Call-For-Cash Plus, Flexi Payment Plan, Balance Transfers, Finance Charges and Late Charges.

 

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Annual Fee Waiver For Life

A minimum of 12 retail transactions p.a. or RM8,000 retail spend p.a. entitles you to an automatic annual fee waiver.

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Eligibility

  • Aged 21 to 65 years old (Principal) | 18 years old (Supplementary)
  • Minimum annual income of RM24k
    OR a minimum fixed deposit pledged of RM2,000

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Low cash advance fee 2%

Get instant access to cash at over 1.5 million Visa ATMs in 200 countries and territories. At a minimal fee of 2% of the amount advanced or a minimum of RM5 per transaction (whichever is higher), you will have no worries about running short on cash.

The Bank reserves the right to impose the standard rate of 5% per transaction or RM20 (subject to Government Tax, if applicable), whichever is higher, at its sole discretion.

Cash advance interest at just 10.8% p.a.

It makes better sense to use your Essential Credit Card for cash advances. One: you are entitled to a low rate of only 10.8% p.a. Two: You may draw cash up to 70% of your available card limit.

          Card Type Principal Supplementary
Annual Fee*
(RM)
Annual Fee*
(RM)
   Essential (Visa)
100 50
Fees and Charges Description
Amount*
(RM)
Credit Card Service Tax (per card)
25
Sales draft retrieval (per copy)
20
Additional hardcopy statement request  (per statement)
5

*Subject to Government Tax, if applicable

Click here for the list of fees and charges, or visit any of our branches for further information.

English

Essential Card Terms & Conditions

Product Disclosure Sheet

Credit Card Application Form

Supplementary Credit Card Application Form

Cardholder Agreement

Bahasa Malaysia

Essential Card Terms & Conditions

Product Disclosure Sheet

Credit Card Application Form

Supplementary Credit Card Application Form

Cardholder Agreement

Others

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