Posted in Credit Card, Hong Leong Bank Credit Card

Hong Leong Bank Berhad Essential Card - Visa

Hong Leong Essential Card – Visa


  • 1% unlimited cash back
  • Low fee of 2% on cash advance
  • Annual fee waived for life*


Hong Leong Bank Berhad

Minimum Income Requirement (Monthly)


Annual Fee

Principal Card: RM100*

Supplementary Card: RM50
*Waiver: 12 transactions/RM8,000 retail spend per year

Government Service Tax

Principal Card = RM50 per annum
Supplementary Card = RM25 per annum

Age Eligible

Principal Card = 21 years old
Supplementary Card = 18 years old

Interest Rate

  • 15% per annum – 12 months Prompt payment with min repayment
  • 17% per annum – 10 months -12 months prompt min repayment
  • 18% per annum – Others

Cashback/Cash Rebate

All Spending – 1% (Unlimited) *Except Petrol
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