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    We found 1 Hong Leong Essential Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
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    Credit Card BYTES FROM OUR KITCHEN

    Hong Leong Essential Card

    Hong Leong Essential Visa Card is a credit card that offers up to 1% cash back to the cardholders. The credit card also benefits its cardholders with other offers and privileges on shopping, dining and monthly spending.

    Features

    • The card offers up to 1% cashback on all expenses charged to the card.
    • The card has a 20 -days interest free period.
    • No annual fee will be charged if the cardholder manages 12 swipes every year or spends a minimum of RM8,000 with the card.
    • The card offers plans like Easy payment Plan (EPP), Balance Transfer Plan (BTP), making the finances easier for the cardholders.

    Benefits

    • The card offers up to 0.6% unlimited cashback on all retail expenses charged to the card when the monthly spend is below RM5,000.
    • For monthly spend exceeding RM5,000, the cardholder will receive an unlimited cashback of 1% on all retail expenses charged to the card.
    • A cardholder can convert larger retail purchases into small affordable instalments with tenures of 6 to 12 months through EPP facility.
    • The card charges a competitive interest rate on cash advances and also imposes an affordable cash advance fee.

    Eligibility Criteria

    • The cardholder must be aged between 21 and 65 years.
    • The annual income of the cardholder should be at least RM24,000.

    Fees and charges

    Types of Fees Charges
    Annual Fee – Principal Card RM106 (Waived on retail spend of RM8,000 p.a. or 12 retail transactions with the card are made per annum)
    Annual Fee - Supplementary Card RM53 (Waived on retail spend of RM8,000 p.a. or 12 retail transactions with the card are made per annum)
    Joining Fee RM21.20 per card
    Annual Processing Fee NA
    Finance Charges 15% p.a. (if prompt payment is done for 12 consecutive months) 17% p.a. (if prompt payment is made for at least 10 out of 12 months) 18% p.a. (if none of the above criteria are met)
    Overseas Transaction Fee The transaction will be converted at foreign exchange rate set by Visa/MasterCard and carries a fee of 1% of the converted amount imposed by the bank
    Cash Advance Fee 2% of the amount advanced or RM5, whichever is higher
    Cash Advance Interest Rate 18% p.a.
    Minimum Credit Limit RM2,000
    Minimum Monthly Repayment 5% of outstanding amount of RM50, whichever is higher
    Sales draft retrieval copy RM21.20 per copy
    Copy of statement charges RM5.30 per copy
    Regeneration of PIN charges RM5.30
    Card Replacement Fees RM50
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