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) Processing Fee on Refund of Unutilized Value (vi) Card Maintenance Fee (once every 6 months) |
RM10 per card RM10 per card RM10 per card RM0.50 per reload RM5 per request RM5 |
Balance Transfer
Balance transfer one-time Fee:
|
RM70
3% |
Quick Cash Monthly Interest
(i) Handling fee
|
RM12 |
Quick Cash One-Time Fee
(i) 6 months |
3.99% |
| 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 |
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.
