Fees and Charges - Credit Cards

Fees and Charges - Credit Cards

Credit Cards

Card Type Principal
Annual Fee*
Supplementary
Annual Fee*
Visa Infinite P No charge  No charge 
Visa Infinite No charge  No charge 
Visa Infinite Doctor's Edition No charge  No charge
Mastercard Emirates HLB World Elite RM2,500 No charge
Mastercard Emirates HLB World RM1,200 No charge
Mastercard Emirates HLB Platinum RM250 No charge
Visa Gold RM160 RM80
Visa WISE Gold RM98 RM48
Visa Sutera Platinum RM400 RM200
Visa Essential RM100 RM50
Visa GSC Gold RM150 RM75
Visa GSC Platinum RM300 RM150
Mastercard / Visa I'm No charge  No charge 
Visa AirAsia Gold RM200 RM80
Visa AirAsia Platinum RM350 RM150

*Subject to Government Tax, if applicable

Description Fees/Charges*
Credit Card Service Tax RM25 per card
Cash Advance Fee 5% of the amount advanced or a minimum of RM20 per transaction, whichever is higher
Essential Cash Advance Fee 2% of the amount advanced or a minimum of RM5 per transaction, whichever is higher
Card Replacement Fee
(Not applicable to Mastercard/ Visa I'm Card)
RM50 per card
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 RM1 per statement
Additional Paper Statement Request RM5 per statement
Sales Draft Retrieval
(not applicable to Mastercard/ Visa I'm Card)
RM20 per copy
Redirection and Re-delivery fee for Hong Leong Rewards Programme
A nominal fee will be charged for every product delivery after the first unsuccessful delivery attempt under the Hong Leong Rewards Programme:

(i) Redirection fee to different address

(ii) Re-delivery fee to same address

(iii) Alternatively, cardholders have the option of using 2,500 Reward Points (PC:9000) to off-set the redirection or re-delivery fee respectively

RM10 per request

RM10 per request
Touch 'n Go Zing Card
Companion card that is linked to Hong Leong Credit Card. It auto-reloads RM100 every time the Zing Card balance reaches below RM50.

(i) Issuance Fee
(ii) Replacement Fee
(iii) Renewal Fee
(iv) Auto Reload Fee
(v) Card Maintenance Fee (once every 6 months)





RM10 per card
RM10 per card
RM10 per card
RM2 per reload
RM5

Balance Transfer


Early settlement penalty charge

(Not applicable to Balance Transfer One-Time Fee plan and Balance Transfer plan with no fixed repayment period)

 

Balance transfer one-time Fee:
(i) 6 months
(ii) 12 months

 

 

 

 

RM70

 

 

 

3%
5%

More information

Quick Cash Monthly Interest

 

(i) Handling fee
(ii) Early settlement penalty charge

 

 

 

 

RM12
RM25

More information

Quick Cash One-Time Fee

 

(i) 6 months
(ii) 12 months
(iii) 24 months

 

 

 

 

3.99%
5.99%
8.99%

More information

Overseas Transaction
Transactions made in currencies other than Ringgit Malaysia
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 (not applicable to Mastercard/ Visa I’m Card). 

Overseas Transaction
Transactions made in Ringgit Malaysia via Dynamic Currency Conversion ("DCC")
For certain overseas ATMs, websites or merchants, cardholders may be given the option of using the DCC service to convert their foreign currency transactions into RM.  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 cardholders will be charged for a 1% transaction fee on converted RM amount, representing fees imposed by Visa 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





 

Cardholder's Payment Behavior

(i) Cardholders who promptly settle their minimum payment due for 12 consecutive months

(ii) Cardholders who promptly settle their minimum payment due for 10 months or more in a 12-months cycle

(iii) Cardholders who do not fall within the above categories

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:

 

 

 

Retail Interest Rate

 

15% p.a.

 

17% p.a.

 

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
Cash Advance for Essential Card 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.

Finance Charges will be charged on all carried forward outstanding balances including interest and fees (excluding Late Payment Charges) at the Bank’s prevailing rate and calculated on a daily basis, if the current balance of the previous statement is not fully paid by payment due date.

*Subject to Government Tax, if applicable

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