Hong Leong Essential

Specially designed to give you greater financial freedom and flexibility - 1% unlimited cashback all the time. Less plastic, more power!

Hong Leong EssentialUnlimited Cashback
Min. Income
Annual Fee
up to 1%
Balance Transfer
From 6.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


With your Hong Leong Essential Credit Card, you always get something back. Whenever you use it for shopping or dining, you'll enjoy 1% cash back on your purchases. And there's no cap on how much you can get. The more you spend, the more cash back you get.

Cashback categoryCashback rateMonthly capSpend
All Retail0.4%uncappedup to RM7,000 monthly
All Retail1%uncappedfrom RM7,001 and above monthly
Insurance Transactions0.4%uncappedany amount monthly

Interest Rate

Need money fast for a holiday or big purchase? Have preferential low interest fee 10.8% per year on your cash advance. Withdraw up to 70% on your credit limit.

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 RM1,000
12 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Hong Leong Balance Transfer

Easy Payment Plans

Hong Leong Bank EPP offers payment terms from 6 to 36 months at 0% interest on retail purchases from approved merchants. No penalty fee for early payment. For all other purchases, you can opt to Hong Leong Flexi Payment Plan for installment period of up to 36 months at 8.99% p.a.

Fees & Charges

Annual Fee
  • RM100 primary card

    Waived when you swipe minimum 12 times or spend minimum RM8,000 in a year every year

  • RM50 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM5 or 2% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Cash Advance / Cash Loan
Hong Leong Bank Call For Cash
Hong Leong Call-For-Cash Installment Programme has no daily interest, just a one time interest charge from as low as 3.18%.
Hong Leong Call For Cash Plus
If you want a higher financing amount and longer time to repay your outstanding, then Call For Cash Plus is the name of the game.
Balance Transfer Plans
Hong Leong Balance Transfer
Consolidate all your debt! Open to new and existing credit cardholders, transfer a minimum of RM1000 from up to 3 other banks!


Unlimited Cashback with Hong Leong Essential

With Hong Leong Essential, you will definitely get some cashback of up to 1% on all valid local and international retail transactions*. 

No minimum spending is required. And, there is no cap at all!

For all the retail transactions, be it on dining or shopping, you can earn 0.4% cashback on the first RM7,000 spending. 

If you spend more than that, you are eligible for unlimited 1% cashback. 

The more you spend, the more cashback return you will get. 

Besides that, you can enjoy unlimited 0.4% cashback on insurance transactions with no minimum spending is required.

*Valid retail transactions (both local and international) exclude petrol transactions, payment plans, finance charges, cash advances, government, JomPAY, betting & gaming related transactions

Zero Cost

The annual fee is waived for life when you swipe the Hong Leong Essential card with a minimum 12 retail transactions per annum or RM8,000 retail spend in a year.

Otherwise, the annual fee is RM100 for the principal card and RM50 for each supplementary card.

Low Cash Advance Interest Fee

The cash advance service allows you to withdraw cash for up to 70% of your credit limit with your Hong Leong credit card, with a low interest rate of 10.8% per annum. 

Do note that the Bank reserves the right to charge the standard rate of 18% per annum if there's any default in payment due to the Bank. 

The withdrawals can be made via 1.5 million ATMs in 200 countries and territories or over the counter at any Hong Leong Bank branches.

However, Hong Leong Bank imposes a fee on each of the withdrawal with lower charges at only 2% of the withdrawal amount or minimum RM5, whichever is higher for each transaction. 

Bear in mind that Hong Leong Bank reserves the right to impose the standard rate of 5% or minimum RM20 (subject to Government Tax, if applicable) per transaction, whichever is higher.

Hong Leong Essential - 0% Instalment

You can enjoy zero interest repayment on your big purchases with Hong Leong Extended Payment Plan ( EPP). 

The repayment period of your choice is either 6, 12, 18, 24 or 36 months, depending on the plan offered by the participating merchants.

The minimum spending amount is RM500. Worry not, there is no hidden charges.

For all the other retail purchases, you can opt for Hong Leong Flexi Payment Plan (FPP). This plan offers you the interest rate of 8.99%p.a. for all tenures.

  • For 6 months' instalment, the minimum spending is RM500.
  • For 12 and 18 months' instalment, the minimum spending is RM1,000.
  • For 24 and 36 months' instalment, the minimum spending is RM2,000.

As long as you fulfill the requirement, you can contact Hong Leong Call Center at 03-7626 8899 to convert your purchases to FPP to your preferable instalment tenures.

Remember that you have to settle your repayment within the agreed tenures, otherwise the standard Hong Leong Essential finance charges of up to 18%p.a. will be imposed on the balance.