Hong Leong American Express Classic credit card

Hong Leong American Express Classic

Free up your finances with the American Express Classic Card - join a world of exclusive privileges and enjoy the practical benefits of a locally owned credit card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM84.80 annual fee
  • Earn up to 1x reward point 

Benefits

Because you should be rewarded for giving the bank your business

Rewards
For every RM1 charged to your card on retail transactions, you will earn 1 Reward Point which you can redeem for a wide range of exciting gifts absolutely free, including free flights. Automatic Double Reward Points on every retail purchase made overseas on your card.
Hong Leong Club Rewards
EarnSpent
1 point on every RM1on all local retail expenses
1 point on every RM2on all overseas retail expenses
Your Hong Leong Club Rewards earned expires in  3 years
Balance Transfer
Stop paying only the minimum on your credit card debt each month. Apply for a Hong Leong credit card that offers 6 or 12 months balance transfers at 6.99% per year.
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
Pay OverWith Interest Rate AtWhen You Spend
6 months8.99% p.a. and no one-time upfront handling feefrom RM500 
12 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
18 months8.99% p.a. and no one-time upfront handling feefrom RM1000 
24 months8.99% p.a. and no one-time upfront handling feefrom RM2000 
36 months8.99% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about Hong Leong Flexi Payment Plan
Travel
Free travel insurance cover up to RM350000 and free travel inconvenience insurance when you charge your air tickets to your AMEX card.
Travel CoverageSum Insured
Travel InsuranceUp to RM350000
Delayed FlightUp to RM300
Missed FlightUp to RM300
Lost LuggageUp to RM750
Delayed LuggageUp to RM300
Premium
You are now entitled to preferential forex exchange rates when you show your American Express credit card at any Hong Leong Bank branch. It's the easiest way to enjoy higher rates for USD, AUD, Yen, or Krona!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM84.80
Annual Fee for Supplementary Card
RM42.40
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
RM5000

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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

Easy Payment Plan
Hong Leong Extended Payment Plan
Hong Leong Flexi 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 American Express Classic review

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

Who says the good things in life are all flash and glitter? If anyone asks what’s in your wallet, tell them it’s an American Express credit card that gives you rewards every time you spend and free travel insurance, for just a small annual fee of RM84.80 each year – because classics are forever.

Simply Rewards

You don’t have to rake in the big bucks to have you very own classic credit card – just a minimum annual income of RM24,000. But that doesn’t mean you can’t enjoy exclusive rewards to go with it.

Collect Rewards Points with your Hong Leong American Express Classic and redeem them for exciting gifts before they expire. All you’ve got to do is sign up for this credit card and you’re automatically enrolled into Hong Leong Club Rewards.

For every RM1 that you charge to your Hong Leong American Express Classic you’ll get 1 Reward Points; or double that when you spend overseas – that’s 2x Rewards Points for every Ringgit that you spend on purchases abroad on shopping, dining, gifts and more!

Travel Lite and Easy

With Hong Leong American Express Classic you’ll always travel with peace of mind. Just charge your travel tickets in full to your AMEX card and you’ll get automatic travel insurance up to RM350,000 and travel inconvenience coverage

You’ll also get preferential FOREX rates from Hong Leong Bank. So have your Hong Leong American Express Classic with you when you walk into any Hong Leong Branch if you need to get your hands on some dollars, Yen or Krona for your next business trip!

Balance Transfer and EPP by Hong Leong Bank

Hong Leong Bank helps you manage your debts with a balance transfer by offering low 6.99% interest p.a. on your outstanding balance. Repay what you owe between 6 or 12 months when you transfer a minimum of RM1000 to your Hong Leong AMEX card.

For purchases at partner Hong Leong merchants you’re given the option of paying for select purchases in monthly instalments at 0% interest over 3 to 36 months with the Extended Payment Plan. So save more cash with these exclusive Hong Leong banking services!

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