Hong Leong Gold MasterCard credit card

Also available as Visa

Hong Leong Gold MasterCard

Lifetime interest rate of 6.99% p.a. on your balance transfer with the Hong Leong Gold MasterCard - consolidate your debts at your own pace.

  • 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

Apply online now for Hong Leong Gold MasterCard

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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 RM750000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1500
Delayed LuggageUp to RM600

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 RM100
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
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 Gold MasterCard review

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

Get everything you could need all in 1 card – Hong Leong Gold MasterCard gives you Reward Points on every Ringgit spent, insurance coverage when you travel, and special credit card banking services exclusive for Hong Leong credit card holders.

Rewards When You Swipe

Earn Rewards Points every time you swipe with your Hong Leong Gold MasterCard and redeem these points for exciting gifts from Hong Leong Club Rewards! For all shopping both in Malaysia and overseas, get 1 reward point for each Ringgit that you spend.

Unfortunately, your points will expire after 3 years. So remember to redeem them for rewards before then! Also take note that no points will be earned for petrol purchases.

Low Balance Transfer Rates

Transfer your outstanding credit balance with other banks to your Hong Leong Gold MasterCard and repay these debts – over tenures of 6 and 12 months – at low balance transfer interest rates of 6.99%. What’s more, there are no upfront charges or handling fees!

Protection When You Travel

Whenever you charge your holiday tickets to your Hong Leong Gold MasterCard you’ll be eligible for Hong Leong’s Travel Protection Plan. Enjoy complimentary coverage for travel accidents and travel inconveniences for the length of your trip, whether you’re way for business or on a personal getaway.

Flexi Pay On Purchases

Find something too expensive to be paid in full? With Hong Leong Extended Payment Plan, you have the option of paying for purchases in monthly instalments at 0% interest!

Once you’ve made your purchase from an approved merchant, contact Hong Leong immediately after and choose a repayment period between 3 – 36 months. And if you stumble on enough cash, there are no penalty fees for early settlement!

Cash-For-Call Service

With the Hong Leong Gold MasterCard, you’re also eligible for Cash-For-Call. This exclusive service for Hong Leong credit card holders allows you to withdraw up to 90% of your available cash limit, at interest rates as low as 2.99% per annum. Check with your nearest Hong Leong branch for availability!

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