Hong Leong Classic MasterCard credit card

Also available as Visa

Hong Leong Classic MasterCard

The Classic MasterCard that gives you the best value for your money.

  • 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

Apply online now for Hong Leong Classic MasterCard

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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
Travel with peace of mind via our Travel Protection Plan. Just charge your holiday tickets to your credit card and enjoy complimentary coverage.
Travel CoverageSum Insured
Travel InsuranceUp to RM350000
Delayed FlightUp to RM300
Missed FlightUp to RM300
Lost LuggageUp to RM750
Delayed LuggageUp to RM300

Fees & Charges

There are always fees but how much are they?

Annual Fee
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 RM50
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher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


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 Classic MasterCard review

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

With low requirements and fees, Hong Leong Classic MasterCard is a credit card which everyone can own. It’s a classic card which rewards you when you spend, including complimentary travel insurance!

Reward Points

Get rewards with your Hong Leong Classic MasterCard when you shop and dine. For every Ringgit that you spend, get 1 Reward Point in return and redeem it for fabulous gifts. Gadgets, vouchers, home appliances, travel bags and more are up for grabs with Hong Leong Club Rewards.

All points that you accumulate will be valid until the 3rd calendar year from when they were earned. Don’t forget to redeem your Reward Points before they expire!

Travel Insurance

While planning for your next holiday remember to charge your travel tickets to your credit card to be eligible for Hong Leong Travel Protection Plan.

Enjoy complimentary travel insurance and inconvenient benefits from all those nasty delays and flight cancellations during peak season, including baggage loss and damage cover.

Balance Transfer

Save on your next credit card transaction with Hong Leong Balance Transfer Plan instead of paying high credit card charges. Enjoy low interest rates of 6.99% p.a. and repay what you owe over 6 and 12 months.

All you need is to transfer a minimum amount of RM1000 from a credit card with another bank to take advantage of this Hong Leong Bank credit card service.

0% Hong Leong Bank EPP

Stretch your repayments up to 3 years when you shop at Hong Leong participating merchants with this ZERO interest Extended Payment Plan. No upfront handling fee and hidden charges.

Just swipe a minimum purchase of RM100 with Hong Leong Classic MasterCard and contact Hong Leong customer service to register your item for this special 0% EPP.

Fees and Requirements

To qualify you need to be at least 21 years of age and earn RM2,000 per month – this is the minimum amount to own a credit card in Malaysia.

An annual fee of will RM84.80 including GST will be charged, plus another RM42.40 for each supplementary card if you get. The RM50 credit card service tax is no longer applicable with GST.

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