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    Hong Leong I'm Credit Card

    Hong Leong I’m Credit Card is an affordable card that offers a range of benefits for the cardholder. The card has been designed for everyday use and can earn cashback allowing the cardholders to get the most out of their purchases. The card has been designed for everyday use


    • The card charges no annual fee and is free for life.
    • The card can have an image imprinted on it to personalise the card according to the cardholder’s preference.


    • The card does not charge any fee for overseas transactions making it an ideal travel companion.
    • The card is no-frills card which can help the cardholder with digital banking. The card can be connected to online banking and mobile banking services through the Hong Leong Connect facility.
    • The cardholder will be provided e-statements. The cardholder will be enrolled onto the service automatically.

    Eligibility Criteria

    You will have to meet the following criteria to avail this card:

    • Principal cardholders should be at least 21 years old and cannot be older than 65 years of age.
    • The supplementary cardholder must be 18 years.
    • The minimum annual income required is RM24,000.

    Fees and Charges

    Types of Fees Charges
    Annual fees – Principal card Free for life
    Annual fees – Supplementary card Free for life
    Minimum monthly repayment 5% of the outstanding balance or RM50, whichever is higher.
    Interest-free period 20 days.
    Finance charge on purchases Cardholders who make prompt minimum monthly payments for 12 consecutive months are charged 15% p.a. Cardholders who make minimum payments on time for 10 months or more in a 12-month period are charged 17% p.a. Cardholders who do not fall in either categories are charged 18% p.a.
    Finance charge on cash advance 18% p.a.
    Late payment charges 1% of the outstanding balance with a minimum charge of RM10 subject to maximum fee of RM100.
    Cash advance fee RM20 or 5% of the amount withdrawn, whichever is higher.
    Overseas transaction conversion fee 1% mark-up imposed by Hong Leong on transactions carried out overseas. Transactions are converted into Ringgit Malaysia using an exchange rate as set forth by Visa International/MasterCard International.
    Sales draft retrieval copy RM21.20.
    Card replacement fee RM50 for every replacement
    Additional statement request fee RM5.30 for each copy.
    Early settlement penalty for balance transfer RM70.
    Joining fee RM21.20
    Regeneration of PIN RM5.30 per PIN regeneration.
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