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.

Hong Leong Gold MasterCardLifetime Balance Transfer
Min. Income
Annual Fee
Balance Transfer
From 6.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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


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 RM750,000

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 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.

Fees & Charges

Annual Fee
  • RM160 primary card

    Waived when you spend RM8,000 or swipe 12 times per year in the subsequent years

  • RM80 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
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


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 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.
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!


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.

1 Rewards Point for Every RM1

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

These rewards points can be used 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 set up 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 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!