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)
  • RM160.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Earn 1 Reward Point for every RM1 spend with Hong Leong Gold MasterCard credit card.
Hong Leong Rewards
1 point on every RM1all retail transactions
Your Hong Leong Rewards earned expires in  3 years
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
12 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 RM750000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when you spend RM8,000 or swipe 12 times per year in the subsequent years
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
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


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
Hong Leong Call For Cash Plus
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?

Hong Leong Gold MasterCard - 1 Rewards Point for Every RM1

Earn 1x Rewards Point for every RM1 you swipe on your Hong Leong Gold MasterCard in Malaysia and overseas. 

These rewards points can be used to redeem exciting gifts from Hong Leong Club Rewards.

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.

Lifetime 6.99% Balance Transfer

It's lucky to be Hong Leong Bank credit card customers, whether new or existing, because you can enjoy a balance transfer program that offers lifetime 6.99% p.a. with a minimum transfer of RM1,000, from as many as 3 other banks.

There’s no setup cost for the Hong Leong Balance Transfer, so you don’t have to worry about the extra costs involved if you’ve decided to turn over a new leaf with your credit debt.

Protection When You Travel

Whenever you charge your holiday tickets to your Hong Leong credit card 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.

Hong Leong Gold MasterCard 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!

Hong Leong Gold MasterCard 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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