Choose Cards to Compare
Credit Cards
| Card Type |
Principal | Supplementary |
|---|---|---|
| Annual Fees (RM) |
Annual Fees (RM) |
|
Visa Infinite P |
No charge |
No charge |
Visa Infinite |
No charge |
No charge |
| Visa Infinite Doctor's Edition | No charge |
No charge |
MasterCard / Visa Classic |
80 | 40 |
MasterCard / Visa Gold |
160 | 80 |
Visa WISE Gold approved before 1 Oct 2016 |
160 | 80 |
Visa WISE Gold approved from 1 Oct 2016 onwards |
250 | 80 |
MasterCard / Visa Platinum |
400 |
RM200 |
Visa Wise Platinum |
300 | 150 |
| Sutera Mastercard / Visa Platinum | 400 | 200 |
Visa Signature |
600 | 300 |
MasterCard Platinum Business |
400 | 200 |
Visa Essential |
100 | 50 |
Visa GSC Gold |
150 | 75 |
Visa GSC Platinum |
300 | 150 |
MasterCard INSURANCE Gold |
150 | 75 |
MasterCard INSURANCE Platinum |
300 | 150 |
MasterCard The Store and Pacific Gold |
150 | 75 |
MasterCard The Store and Pacific Platinum |
300 | 150 |
Fortune |
160 | 80 |
MasterCard I'm |
No charge |
No charge |
*Subject to Government Tax, if applicable
| Description | Amount (RM) |
|---|---|
| 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 |
| Category maintenance (for WISE card only) (per category) | 10.00 |
| 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 |
| Monthly statement request (per statement) | 5.00 |
| Regeneration of PIN (per request) (not applicable to I'm credit card if generate PIN at branch) | 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) |
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) (for issuance of BMC Warning Letter)(per letter) 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 10.00 150.00 |
| Touch n' Go ZING card - the companion card that is linked to Hong Leong Credit Card. It auto-reloads RM100 every time the balance reaches below RM50 i) Issuance fee (per card) ii) Card replacement fee (per card) iii) Touch n' Go auto-reload (per auto-reload) |
10.00 10.00 2.00 |
| Balance transfer ii) Handling fee iii) Early settlement penalty charge |
N/A 70.00 |
| Call for Cash Plus ii) Handling fee iii) Early settlement penalty charge |
12.00 25.00 |
| Call for Cash one-time interest fee (For selected card types only) i) 6 months ii) 12 months iii) 24 months iv) 36 months |
2.99% 4.99% 7.99% 10.99% |
| Overseas transaction i) Transactions in Foreign Currency ii) Transactions in Ringgit Malaysia (RM) |
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. Any administration fees charged by Visa International or MasterCard International. |
*Subject to Government Tax, if applicable
| Description | Finance Charges | |||
|---|---|---|---|---|
| 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. | |||
| Retail Purchases | To be calculated on a daily basis after the interest free period provided the current balance of the cardholder's previous statement is fully paid by payment due date. Otherwise, interest will be calculated on a daily basis from respective posting date. The finance charge may vary for each account based on the cardholder's past 12 months repayment behaviour as below: |
|||
| Cardholder's payment behavior | Retail interest rate | |||
| Cardholders who promptly settle their minimum payment due for 12 consecutive months | 15% p.a. | |||
| Cardholders who promptly settle their minimum payment due for 10 months or more in a 12-month cycle; and | 17% p.a. | |||
| Cardholders who do not fall within the above categories | 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 & Call for Cash Plus |
Refer to plan | |||
