Fees and Charges - Credit Cards

Credit Card Service Tax (per card)

25.00

Cash advance fee

5% of the amount advanced or a minimum of RM20 whichever is higher

i)  Essential only

2% of the amount advanced or a minimum of RM5 whichever is higher

ii) Platinum Business only

3% of the amount advanced or a minimum of RM20 whichever is higher

Card replacement fee (not applicable to I'm credit card)

50.00

Joining fee (per card) (for I'm credit card only)

20.00

Late payment charge

 RM10 or 1% of the total outstanding balance as at statement date whichever is higher, subject to a maximum of RM100 

Paper Statement Fee (per statement)

Additional paper statement request (per statement)

5.00

Sales draft retrieval (per copy) (not applicable to I'm Credit Card)

20.00

Annual processing fee (for The Store and Pacific cards only)
No annual processing fee will be charged by The Store Card Sdn. Bhd. for the first year. For subsequent years, the annual processing fee will be charged in accordance with the following membership status:
The Store/Pacific Gold (per year)
The Store/Pacific Platinum (per year)

20.00

 40.00 

Re-direction for Hong Leong Rewards Programme andre-delivery fee, a nominal fee will be charged for every product delivery after the first unsuccessful delivery attempt under the Hong Leong Rewards Programme:
i)   Re-direction fee to different address (per request)
ii)  Re-delivery fee to same address (per request)
iii) Alternatively, Cardholders have the option of using 2,500
    Reward Points (PC:9000) to off-set the re-direction or re-delivery fee respectively

 

10.00
 10.00 

Cheque facility related fees (for Platinum Business card only)
i) Cheque book application/issuance (per leaf)
ii) Cheque procesing fee (effective 1 January 2015)
   (per cheque issued)
iii) Destruction of uncollected cheque books for more than 28
    days (per cheque book)
iv) Returned cheque
    Due to insufficient fund (per cheque)
    Due to technical reasons (e.g. alterations) (per cheque)
v) Stop payment
    Upon request (per cheque)
    Due to- loss of cheque book (per instruction)
    Upon presentation of stop cheque:-
    • If sufficient fund (per cheque)
    • If insufficient fund (per cheque)

 
0.15
0.50

30.00


150.00
10.00
10.00

10.00
10.00

150.00 

 

10.00
10.00
2.00 
10.00
10.00

Balance transfer
 

i) Early settlement penalty charge
 

ii) BT One-time Fee:

 
70.00 

i) 6 months : 3%

ii) 12 months : 5%

More information

Quick Cash Monthly Interest 

i)  Handling fee
ii) Early settlement penalty charge

12.00
 25.00 

Quick Cash One-Time Fee
i)     6 months
ii)  12 months
iii) 24 months

Overseas transaction
Transactions made in currencies other than Ringgit Malaysia (RM) 

The transaction will be converted into Ringgit Malaysia on the date it is processed by VISA or MasterCard International at the foreign exchange rate determined by VISA or MasterCard International. The following additional fees will be charged on the conversion:

i. 1% transaction fee charged by VISA or MasterCard International; and

ii. 1% foreign exchange conversion mark-up imposed by the Bank (this mark-up is not applicable to I’m Credit Card). 

For certain overseas ATMs, websites or merchants, Cardholders may be given the option of using the Dynamic Currency Conversion (“DCC”) service to convert their foreign currency Transactions into Ringgit Malaysia.  However, if DCC is selected:

i. the foreign exchange rate used by the merchant for the DCC transaction may be higher than the exchange rate determined by VISA or MasterCard International; and

ii. the Cardholder will be charged a 1% transaction fee on converted Ringgit Malaysia amount, representing fees imposed by VISA or MasterCard International.

Tenure and Rates

i) Lifetime : 4.99% p.a.

ii) 6 months : 7.99% p.a.

iii) 12 months : 8.99% p.a.

More information

Quick Cash Monthly Interest Rates (tenures available: 12, 24, 36, 48 & 60 months)

i) RM1,500 – RM10,000 : 9.88% p.a.

ii) RM10,001 – RM24,999 : 8.88% p.a.

iii) RM25,000 and above : 8.38% p.a.

More information

Tenures available : 6, 12, 18, 24 and 36 months at 8.99% p.a.

More information

Minimum conversion RM1,000 at 13% p.a. for 36 months

More information

Minimum conversion RM1,000 at 13% p.a. for 36 months

More information