Fees and Charges - Credit Cards

Credit Cards

Card Type
Principal Supplementary
Annual Fees
(RM)
6% GST
(RM)
Total
(RM)
Annual Fees
(RM)
6% GST
(RM)
Total
(RM)

Visa Infinite P

No charge 
N/A No charge 
No charge 
N/A No charge 

Visa Infinite

No charge 
N/A No charge 
No charge 
N/A No charge 

MasterCard / Visa / Amex Classic

80 4.80 84.80 40 2.40 42.40

MasterCard / Visa / Amex Gold

160 9.60 169.60 80 4.80 84.80

Visa WISE Gold approved before 1 Oct 2016

160 9.60 169.60 80 4.80 84.80

Visa WISE Gold approved from 1 Oct 2016 onwards

250 15 265 80 4.80 
84.80 

MasterCard / Visa Platinum

400 
24 424 1st supplementary card FREE, subsequent card RM200
1st supplementary card FREE, subsequent card RM12
1st supplementary card FREE, subsequent card RM212

Amex Platinum

800 48 848 400 24 424

Visa Wise Platinum

300 18 318 150 9 159

Visa Signature

600 36 636 300 18 318

MasterCard Platinum Business

400 24 424 200 12 212

Visa Essential

100 6 106 50 3 53

Visa MTV

160 9.60 169.60 80 4.80 84.80

Visa GSC Gold

150 9 159 75 4.50 79.50

Visa GSC Platinum

300 18 318 150 9 159

MasterCard INSURANCE Gold

150 9 159 75 4.50 79.50

MasterCard INSURANCE Platinum

300 18 318 150 9 159

MasterCard / Visa MATTA Gold

150 9 159 75 4.50 79.50

MasterCard / Visa MATTA Platinum

300 18 318 150 9 159

MasterCard MRCA Gold

150 9 159 75 4.50 79.50

MasterCard MRCA Platinum

300 18 318 150 9 159

MasterCard The Store and Pacific Gold

150 9 159 75 4.50 79.50

MasterCard The Store and Pacific Platinum

300 18 318 150 9 159

ACCCIM

216 12.96 228.96 108 6.48 114.48

Fortune

160 9.60 169.60 80 4.80 84.80

MasterCard I'm

No charge 
N/A No charge 
No charge 
N/A No charge 
Card Type
Principal Supplementary
Annual Fees
(RM)
6% GST
(RM)
Total
(RM)
Annual Fees
(RM)
6% GST
(RM)
Total
(RM)
MasterCard I'm
20 1.20 21.20 20 1.20 21.20
ACCCIM  No Joining Fee
Description / Service
Charges / Fees
GST (6%)
Charges / Fees (Inclusive of GST)

Retail Purchases

Cardholder’s payment behavior for the past 12 months

Finance charge for the 13th month

Pay on time for all 12 months

15% p.a.

RM0.00

15% p.a.

Pay on time for either 10 or 11 months

17% p.a.

RM0.00

17% p.a.

Pay on time less than 10 months or credit card tenure is less than 13 months

18% p.a.

RM0.00

18% p.a.

Cash Advance

18% p.a. of the cash advance amount calculated on a daily basis from transaction date until full repayment date

(For Essential card only) 10.8% p.a. calculated on daily basis, from date of transaction. However, if cardholder defaults in payment of any outstanding balances due to the Bank, the Bank shall reserve the right to charge the standard rate of 18% p.a.

Balance Transfer

No charge

NA

No charge

Call for Cash Plus

A handling fee of RM12.00 will be charged for every Call for Cash Plus transaction

RM0.72 for every Call for Cash Plus transaction

A handling fee of RM12.72 will be charged for every Call for Cash Plus transaction

Call for Cash One time Interest fee (6 months)

2.99%

0.18%

3.17%

Call for Cash One time Interest fee (12 months)

4.99%

0.30%

5.29%

Call for Cash One time Interest fee (24 months)

7.99%

0.48%

8.47%

Call for Cash One time Interest fee (36 months)

10.99%

0.61%

10.70%

Description / Service

Charges / Fees

GST (6%)

Charges / Fees (Inclusive of GST)

Classic/Gold/Platinum Cards

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

Minimum RM1.20

5.3% of the amount advanced or a minimum of RM21.20, whichever is higher

Hong Leong ACCCIM and Platinum Business Card

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

Minimum RM1.20

3.18% of the amount advanced or a minimum of RM21.20, whichever is higher

Minimum Monthly Repayment

5% of the outstanding balance or a minimum of RM50, whichever is higher

RM0.00

5% of the outstanding balance or a minimum of RM50, whichever is higher

Late Payment Charge

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

RM0.00

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

Interest Free Period for retail purchase transaction

20 days from statement date provided the current balance of the previous statement is fully paid by payment due date. Otherwise, interest shall be charged on retail purchase transactions from respective posting dates.

Credit Balance Refund or Payment Transfer via IBG fees

i. Transfer made via Interbank GIRO

No charge

NA

No charge

ii. Transfer to Current/Savings Account maintained with HLB/HLISB

No charge

NA

No charge

Card Replacement Fee
(Not applicable to I'm Credit Card)

RM50.00

RM0.00

RM50.00

Sales Drafts Retrieval Fee (Not applicable to I'm Credit Card)

RM20.00 per copy

RM1.20

RM21.20 per copy

Additional Statement Request Fee

RM5.00 per request

RM0.30

RM5.30 per request

Category Maintenance Fee (for WISE Cards only)

RM10.00

RM0.60

RM10.60

Annual Processing Fee

The Store and Pacific Gold

RM20.00

RM1.20

RM21.20

The Store and Pacific Platimum

RM40.00

RM2.40

RM42.40

PIN Re-generation Fee2

RM5.00 per request

RM0.30

RM5.30 per request

Overseas Transaction

Transactions in Foreign Currency

The transaction in foreign currency shall be converted at the foreign exchange rate and spread, if any, as determined by VISA International, MasterCard International, plus up to 1% mark-up imposed by the Bank. 1% mark-up imposed by the Bank is not applicable to I'm Credit Card.

Transactions in Ringgit Malaysia (RM)

Any administration fees charged by VISA International or MasterCard International

Re-direction and Re-delivery Fee for Hong Leong Rewards Programme

  Re-direction fee on every Cardholder’s request to re-direct to a different address.

RM10.00

RM0.60

RM10.60

  Re-delivery fee on every Cardholder’s request to re-deliver to the same address.

RM10.00

RM0.60

RM10.60

  Alternatively, Cardholders have the option of using 2,500 Reward Points (PC: 9000) to off-set the RM10.00 fee for re-direction or re-delivery respectively.

NA

NA

Alternatively, Cardholders have the option of using 2,500 Reward Points (PC: 9000) to off-set the RM10.60 fee for re-direction or re-delivery respectively.

Early Settlement Penalty Fee

Balance Transfer

RM70.00

RM0.00


RM70.00

Cash On Call

RM25.00

RM0.00

RM25.00

2 For I'm Credit Card Cardholder who collects the PIN from branch, no such fee shall be imposed.

Card Type

Cash Advance Fee

ACCCIM

The cash advance fee is 3% of the amount advanced or a minimum of RM21.20 (comprises of cash advance fee=RM20 and 6% of GST RM1.20), whichever is higher. This is imposed for each cash advance transaction.

Description / Service

Charges / Fees

GST (6%)

Charges / Fees (Inclusive of GST)

Subscription Fee

RM10.00

RM0.60

RM10.60

Card Replacement Fee

RM10.00

RM0.00

RM10.00

Auto-Reload Fee

RM2.00

RM0.12

RM2.12

Processing Fee on Unutilized Value Refund

RM5.00

RM0.30

RM5.30

For enquiries connect with us online or drop by your nearest Hong Leong Bank Branch.