Hong Leong The Store and Pacific Gold MasterCard
The perfect card for your retail shopping needs, the Hong Leong Store and Pacific Gold Card provides the cardholder with cashback on every purchase at the Store and Pacific Gold outlets and allows the cardholders to earn while they spend.
Hong Leong The Store and Pacific Gold Card Benefits
The Hong Leong Store and Pacific Gold credit card as the name suggests is catered to provide exclusive benefits to the cardholder when they shop at The Store and Pacific Outlets. These benefits include cashback of 3% capped at RM 45 a month for expenses ranging between RM 1 to RM 1500 and a 6% cashback capped to RM 30 a month when expenses exceed RM 1501. Th card also gives unlimited cashback at the rate of 0.5% for all other retail expenses charged to the card regardless of the amount. The benefits also include early invitations to promotional offers and sales along with exclusive discounts. The card also provides free travel insurance every time airfare is purchased solely using the card.
Hong Leong The Store and Pacific Gold Card Features
The features of the Hong Leong Store and Pacific Gold credit card are as follows
- The interest rate charged on this card is 15% p.a.
- The card has a 20 day interest free period
- The card has an Easy payment
- The card has a Balance transfer plan
- This primary card has an annual fees of RM 159.This annual fee is waived when the card is swiped at least once within 45 days of the card being issued.
- The supplementary card has an annual fees of RM 79.50
- The minimum monthly payment to be made is RM 50 or 5% of the outstanding amount.
- Late payment attracts a penalty of 1% of the outstanding amount.
- Rate of interest on cash withdrawals is 18% p.a. and the daily limit for withdrawing cash is RM 5000. The cash withdrawal fee is the higher of RM 21.20 or 5.3% of the cash withdrawn.
- Cardholders can avail cash advances through Hong Leong Bank Call for Cash facility
Hong Leong The Store and Pacific Gold Requirements or Eligibility
The eligibility criteria to apply for the Hong Leong Store and Pacific Gold credit card are as follows
- The minimum age of primary cardholder is 21 years of age
- The minimum age of supplementary cardholder is 18 years of age
- The minimum annual income required to apply for this card is RM 24,000
- Anybody with required income and age can apply for this card
Other Credit Cards Offered by Hong Leong
The other credit cards offered by Hong Leong are
- Hong Leong American Express Classic
- Hong Leong MATTA Card
- Hong Leong Wise Gold Card
- Hong Leong GSC Gold Card
- Hong Leong American Express Platinum
- Hong Leong Classic Card
- Hong Leong Platinum Visa
- Hong Leong Gold Card
- Hong Leong Fortune Credit card
- Hong Leong Essential Card
- Hong Leong The Store and Pacific Platinum Card
Hong Leong The Store and Pacific Gold Card Balance Transfer
The Hong Leong Store and Pacific gold credit card offers cardholders a balance transfer plan with 2 tenures, 6 and 12 months. These repayment terms charge a low interest rate of 6.99% p.a. that allow cardholders to pay off outstanding credit card dues. The minimum amount required for the balance transfer plan is RM 1000.
Hong Leong The Store and Pacific Gold Card Review
This card offers great cashback options and any expenses charged outside of the Store and Pacific outlets receive cashback as well. Though the rate of cashback may be low for other retail expenses and set at 0.5%, the cashback received has no cap and hence cardholders stand to earn more when they spend more. The card also offers complimentary travel insurance when the airfare is purchased solely using the card and allows cardholders to travel with peace of mind.