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Fees and Charges - Credit Cards

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)

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

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 

Additional hardcopy 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 

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

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