Hong Leong Fortune Card credit card

Hong Leong Fortune Card

The new Hong Leong Fortune Credit Card with Real Cash Earnings, where you'll be rewarded every time you use your credit card. Get Cash not Points!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 1% cashback
  • 6.99% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM169.60 annual fee

Apply online now for Hong Leong Fortune Card

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Whether it's shopping, dining, petrol or anything else, you will earn 1% cash for every Ringgit spent. Spend more, earn more. Real Cash earning is capped at RM50 per month.
Discover how much you can save when you shop with your new Hong Leong Fortune Card
Cashback CategoryCashback RateMonthly CapSpend
Any RetailSpendfrom RM2000 and above monthly1%RM50from RM2000 and above monthly
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

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM169.60
  • Waived when 12 retail transactions or RM8000
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 RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

*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 Fortune Card review

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

Who needs a lucky charm when you’ve got real fortune coming your way? Get your hands on the Hong Leong Fortune Card for real cash earnings on all your shopping and spending – that’s more cash back with every swipe!

Give me 1% Real Cash Earnings!

So how do you get more cash back with your Hong Leong credit card? Just spend RM20 or more on a single receipt and you’ll earn 1% cashback on every swipe on online purchase.

That’s RM1 savings for every RM100 that you spend on all your retail purchases including groceries, appliances, petrol, dining, movie tickets and more.

Since your cashback is capped at RM50 per month, all you’ve got to do to maximise your fortunes is spend no more than RM5,000 monthly.

6.99% Hong Leong Balance Transfer

It’s not just cashback with the exclusive Hong Leong Fortune Card. For any of you struggling with too much credit debt with your other cards, you can also get a low interest Hong Leong Balance Transfer and repay what you owe over 6 or 12 month tenures at special rates of 6.99%.

To qualify for this balance transfer plan you’ll need to bring over a minimum of RM1,000 credit debt and make sure that you have sufficient credit limit on your Hong Leong credit card.

0% Interest EPP

You don’t always have to pay for your purchases in full now that you’ve got the Hong Leong Extended Payment Plan. How does it work?

Once you’ve made your purchase at select merchants, contact Hong Leong Bank for approval and you can settle what you owe in instalments between 3 – 36 months at 0% interest.

Quick cash with Call For Cash

In case you need loose cash urgently, Hong Leong Call For Cash allows you to make cash withdrawals from the ATM of up to 90% of your cash limit. Withdrawal fees and one time interest charges between 2.99% - 10.99% interest apply.

How do I join the Fortune Card club?

Excited for your very own ‘Fortune Card club membership’? The Hong Leong Fortune Card is opened to applicants at least 21 years of age, and earning a minimum of RM24,000.

The annual fees of RM169.60 inclusive of GST will be waived if you swipe your card at least 12 times or spend RM8000 on retail transactions.

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