Hong Leong ACCCIM Card credit card

Hong Leong ACCCIM Card

The one credit card that truly supports your business community. The ACCCIM card has no annual fee, a higher credit limit, and a low cash advance fee.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM228.96 annual fee


Because you should be rewarded for giving the bank your business

Balance Transfer
Hong Leong offers 6 or 12 months balance transfers at 6.99% p.a.
Pay OverWith Interest Rate AtWhen You Transfer
6 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
12 months6.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Hong Leong Balance Transfer
Easy Payment Plan (EPP)
Hong Leong Bank EPP offers payment terms from 3 to 36 months at 0% interest on retail purchases from approved merchants. For all other purchases, you can opt to Hong Leong Flexi Payment Plan for instalment period of up to 36 months at 8.99% p.a.. No penalty fee for early payment.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Hong Leong Extended Payment Plan
Charge your flights and hotels to your credit card and enjoy FREE coverage with Travel Protection Plan. FREE entry to Plaza Premium Lounge KLIA, LCCT, Langkawi, Senai, and Singapore Changi Airports. And for when you get back home there's a FREE Touch 'n Go card for the highway.
Travel CoverageSum Insured
Travel InsuranceUp to RM350000
Delayed FlightUp to RM300
Missed FlightUp to RM300
Lost LuggageUp to RM750
Delayed LuggageUp to RM300
Higher credit limit of up to RM300,000, and a pre-approved trading line of a maximum RM150,000 with HL eBroking.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • First 3 years free
  • Waived when 12 swipes every year
  • Waived when spend RM5000 per year
  • Free for life if you spend RM100000 on your first year
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 3.18% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Members Only


Get some extra help from your credit card when you need it most

Easy Payment Plan
Hong Leong Extended Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Hong Leong Bank Call For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Hong Leong Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Hong Leong ACCCIM Card review

What's so good (or not so good) about it?

The key ingredient to any successful business is relationships. Hong Leong Bank knows a thing or two about good relationships, which is why in collaboration with the Associated Chinese Chambers of Commerce and Industry of Malaysia they’ve designed the Hong Leong ACCCIM Card.

This exclusive Visa credit card for ACCCIM members gives you a higher credit limit for better cash flow, a pre-approved Hong Leong eBroking trading line and a free Touch ‘n Go Zing which is linked to your account.

What’s more, you can also personalise your Hong Leong ACCCIM Card with your company’s name embossed on it!

Reward Points

Shop and dine with your Hong Leong ACCCIM Card and collect 1x Reward Points. Once you’ve accumulated enough, visit Hong Leong Club Rewards to redeem these points for exciting gifts, vouchers, travel miles and more – before they expire after 3 years.

Lifetime Membership

Few memberships in life are free of charge. But with the Hong Leong ACCCIM card you won’t have to worry about costly annual fees and GST charges. For the first 3 years, no problem! The annual fees are completely free.

After that, all you’ve got to do is swipe at least 12 times or spend a total of RM5,000 on your credit card to enjoy an annual fee waiver for life!

Higher Credit Limit and Trading Line

ACCCIM members get more from Hong Leong Bank with a higher credit limit on their account up to RM300,000. That’s more cash flexibility for all your business transactions when you need it. Traders will also get a cash line up to RM150,000 for HL eBroking online.

Travel Benefits

Are you a frequent business traveller? Don’t forget to charge your flight tickets to your Hong Leong credit card. Enjoy complimentary coverage with Hong Leong’s Travel Protection Plan and get insurance cover for accidents and inconvenience benefits due to damage or loss baggage, flight cancellations, missed connections or delays.

Take you time to kick-back and relax between connections with complimentary entries to Plaza Premium Lounges across Malaysia and Singapore. Get 6 complimentary passes each year when you spend a minimum of RM2,500 within 30 days of each entry.

Free Touch ‘n Go Zing

Make a beeline to the express lane for parking and tolls with your free Touch n’ Go Zing. It’s linked to your credit card account, so it’ll automatically topped up when it falls below RM50 so you’ll never have to worry about being that guy (or girl) that holds up the line!

Read More