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 |
---|---|
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) |
20.00 40.00 |
|
|
Cheque facility related fees (for Platinum Business card only) |
|
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 |
|
Balance transfer |
|
Call for Cash Plus |
|
Call for Cash one-time interest fee (For selected card types only) |
2.99% |
Overseas transaction |
|
*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 |