Hong Leong I am Awesome Credit Card
This card may not interest people at first because it does not come with rewards and promotional offers, but it is a perfect first credit card or even a spare credit card. Several charges are waived off and it has all the basic advantages you would expect from your first credit card.
Features of Hong Leong I am Awesome Card
- Overseas Transaction Mark-Up: This fees is waived off as well.
- Joining Fee: RM21.20 comprising of RM 20 as the joining fee and 1.20 GST (6%).
- Monthly or Annual fees: Annual fees waived off
- Card Replacement Fees: No replacement charges required.
- Other Charges:
|Fees and Charges Levied on Credit Card Bill||Amount||6% GST||Total|
|Sales draft retrieval for every copy requested||20||1.20||21.20|
|Regeneration of PIN for each request made||5||0.30||5.30|
|Monthly statement charges for each per statement||5||0.30||5.30|
|IBG transaction fee for every IBG transaction made||2||0.12||2.12|
Benefits of Hong Leong Awesome Credit Card
The major benefits that the cardholder can reap from this credit card includes:
- Personalisation: Customise the card with patterns and designs reflecting your personality. More like a financial tattoo.
- Overseas Transaction Mark-Up Savings: This charge is waived off when you are using this card overseas for your costs and buys.
- Digital banking Conveniences: Seamless online as well as mobile banking with Hong Leong Connect at your disposal and at all times.
- Environment -friendly: You are automatically registered for e-statements once you choose this card.
- 0% Extended Payment Plan (EPP): You can extend you payment period when you buy service packages or items with the 0% interest advantage for up to 12 months.
- Access to cash 24/7: Get access to cash, at over 500,000 Express Cash Network as well as Visa PLUS ATMs across the world.
- Lower Balance Transfer Interest Rates: You can transfer outstanding balance from any other bank for a minimum repayment of only 5%.
- Flexibility in repayment options: You can either settle the outstanding balance completely or partially through a minimum monthly payment of 5% or RM50, whichever is ofcourse the higher by the payment due date).
- Cash or cheque deposit to phone along with online banking.
- Auto-reload Convenience with Hong Leong Touch'n Go Zing Card: Hong Leong Touch’n Go Zing Card comes with an automatic reload feature. It is linked to your respective Hong Leong credit card. So every time the Touch’n Go Zing Card balance drops below RM50, there will be an automatic reload of RM100 or any amount that you choose and hence be charged on your Hong Leong Credit Card.
Rewards of Hong Leong I am Awesome Card
This card does not have any reward or cashback features as it is one of the most basic credit cards, which runs on minimal charges and the annual fees and overseas transaction markup is not charged at all.