Hong Leong Classic Visa credit card

Also available as MasterCard

Hong Leong Classic Visa

The Classic Visa Credit Card 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 Visa

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Hong Leong Classic Visa

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Hong Leong Bank website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Benefits

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
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
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
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 RM50
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
9.88%

*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
Maximum age for primary card holder
65 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 Classic Visa review

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

Not everyone needs the fancy smancy fluff that banks offer with their credit cards. If it’s free great, but you don’t wanna pay more for something you don’t use!

That’s why Hong Leong Classic Visa gives you all the essentials while keeping the requirements and fees basic and simple.

All The Essential Features

6.99% p.a. Balance Transfer

So you’ve got a credit card – great, but what’s next? Sure, you can now swipe on your purchases instead of paying by cash and make a couple of online purchases. A credit card doesn’t always have to be about spending.

Get some savings with your Hong Leong Classic Visa when you consolidate your debt with a balance transfer. Transfer a minimum of RM1000 and repay what you owe over 6 months or 1 year at low interest rates of 6.99% and no additional upfront fees.

0% Interest EPP

Don’t pay for what you can’t afford, it’s as simple as that. But with the Hong Leong Extended Payment Plan you have more flexibility to plan in advance and pay 0% interest on your purchases!

Swipe your purchases at approved merchants to your Hong Leong Classic Visa credit card and contact Hong Leong Bank’s customer service to enrol your purchases at least RM100 in value to this EPP plan. Repay what you owe in bite size instalments over up to 36 months, subject to approval.

All The Extra Classic Benefits

Shop with the Hong Leong Classic Visa and earn Reward Points with every swipe, that’s 1X Reward Point on all local and overseas spending. Accumulate these points for up to 3 years and redeem them for exciting gifts including vouchers, electronics, beauty products, and more.

Travelling solo? Remember to charge your flight tickets to your Hong Leong credit card and get complimentary travel insurance, including travel inconvenience benefits for damages or loss of your baggage, flight cancellations, missed connections and delays.

Basic Fees and Charges

Apply for your very own Hong Leong Classic Visa online for a low annual fee of RM84.80 including GST. All you need is a basic annual income of RM24,000 a year – that’s RM2,000 monthly, and you need to be at least 21 years of age and below 65.

Read More