Hong Leong American Express Gold credit card

Hong Leong American Express Gold

Fabulous offers and discounts. Never before has a Gold Card opened up such a world of possibilities at home and abroad as the Hong Leong Gold American Express 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)
  • RM169.60 annual fee
  • Earn up to 2x reward points 

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 1X 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. The reward points will have a 3-year expiry.
Hong Leong Club Rewards
EarnSpent
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Your Hong Leong Club Rewards earned expires in  3 years
Balance Transfer
Buy yourself time to get your finances back on track! Hong Leong offers 6 or 12 months balance transfers for as low as 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
Whether travelling on business or taking a well-earned break, Gold Assist provides useful travel information and emergency assistance overseas online and offline 24 hours a day, 365 days a year. Also, automatic insurance cover when you book your travel on your Amex card. When you charge your flight tickets to your Hong Leong credit card, you will get insurance protection even for minor inconveniences such as delayed flight or loss luggage.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1500
Delayed LuggageUp to RM600
Premium
Going on a holiday and need to exchange your Ringgits for Dollars? Get preferential currency exchange rates just by presenting your credit card at any Hong Leong Bank branches.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM169.60
Annual Fee for Supplementary Card
RM84.80
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 Gold review

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

Musa Keita had so much gold he didn’t know what to do with it, but all us regular folk wisely know that gold is a standard that’s still pretty good to live by. That’s why Hong Leong Bank introduced the Amex Gold credit card with its fabulous discounts and offers – so you can (almost) live like a king.

Better Rewards

Yes it’s true! With Hong Leong American Express Gold you get double the rewards every time you spend overseas. For every Ringgit spent locally, you get 1 Reward Point. Spend overseas and its 2x Reward Points for every RM1 for double the fun!

Amass these points and redeem exciting gifts from Hong Leong Club Rewards. This includes free flight tickets, electronics, household items, shopping vouchers and more! Just remember to collect these gifts before they expire cause you’re only be given a full 3-year period to redeem your Reward Points.

Travel Protection

Remember to charge your travel tickets to your Hong Leong American Express Gold and get RM500,000 travel coverage for accidents. You’ll also get cover for travel inconveniences so you can make claims for baggage delays, lost baggage, missed connections, delayed and cancelled flights.

Hong Leong American Express Gold cardholders will also have access to Gold Assist and its Emergency Assistance team which is on standby around the clock if you require any medical assistance, or need help finding the best local doctors and hospitals while you’re travelling!

Premium Rates

Need to swap your Ringgit for USD or Yuan? With your Hong Leong American Express Gold, you’ll also get preferential exchange rates, so bring your Hong Leong AMEX Gold along when you visit a Hong Leong Branch before your next business trip and holiday!

Low Interest Balance Transfer

Racking up too much unnecessary debt on your credit card? It happens, but that doesn’t mean you shouldn’t do anything about it. Hong Leong Bank offers special low Balance Transfer rates for its credit card members, at 6.99% interest and no upfront handling fees.

Just transfer a minimum of RM1000, and choose between repayment tenures of 6 and 12 months. But always remember to pay your Balance Transfer monthly payments on time, or you’ll be charged late payments fees and risk losing this special interest rate!

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