• Credit Card BYTES FROM OUR KITCHEN

    Hong Leong The Store and Pacific Gold

    Hong Leong The Store and Pacific Gold MasterCard offers a number of perks and privileges such as cashback and discounts when expenses are charged to the card.

    Features

    • The cardholder can earn a cashback on select purchases charged to the card. Cashback earned at The Store & Pacific is automatically credited to the cardholder’s account in the form of The Store & Pacific gift vouchers
    • The cardholder can get an annual fee waiver if the card is used for at least 12 times a year.
    • The cardholder can make use of numerous plans such as Easy Payment Plan (EPP), and Balance Transfer Plan etc.

    Benefits

    • The cardholder can get up to 6% cashback on retail expenses above RM1,500 charged at The Store & Pacific.
    • The cardholder can get up to 6% cashback on retail expenses above RM1,500 charged at The Store & Pacific.
    • The cardholder can get up to 0.5% cashback on all other transactions except The Store & Pacific charged to the card.
    • Special Members Price privileges are offered to the cardholders at The Store & Pacific. They also get access to special sales.
    • The easy payment plan allows select transactions to be converted into instalments with  tenures ranging up to 36 months with 0% interest rate.
    • The Flexi Payment Plan comes at 8.99% p.a. interest rate with no penalty fee charged for early payments.

    Eligibility Criteria

    • The principal cardholder must be of 21 years of age to get the card.
    • Maximum age of the principal cardholder should not exceed 65 years.
    • Minimum age of the supplementary cardholder should be 18.
    • The cardholder’s annual income should be minimum RM24,000.

    Fees and Charges

    Types of Fees Charges
    Annual Fee – Principal Card RM159 (Waived for the first year when minimum 1 swipe is made within 45 days of card issuance date) Waived for subsequent years when swiped 12 times per year
    Annual Fee - Supplementary Card RM79.50 (Waived for the first year when minimum 1 swipe is made within 45 days of card issuance date) Waived for subsequent years when swiped 12 times per year
    Joining Fee RM21.20 per card
    Annual Processing Fee Waived for first year RM21.20 for subsequent years
    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  as determined by VISA International and MasterCard International along with a 1% fee on the converted amount imposed by the bank
    Cash Advance Charges 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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