Hong Leong Gold Visa

Take your time to fix your debt problems with a lifetime 6.99% p.a. balance transfer from Hong Leong. You'll get a great credit card too!

Hong Leong Gold VisaLifetime 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 Visa credit card.

Hong Leong Rewards
1 point on every RM1all retail transactions


Up to RM750,000 travel insurance automatically covered for you when you made airline ticket purchase with Hong Leong Gold Visa credit card.

Travel CoverageSum Insured
Travel InsuranceUp to RM750,000

Balance Transfer

Hong Leong offer balance transfers from as low as 6.99% on 6 and 12 months payment plan.

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RM20 or 5% of withdrawn amount, whichever is higher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!


Hong Leong Gold Visa - Rewards Everywhere

Join Hong Leong Club Rewards anytime you charge your shopping to your Hong Leong Gold Visa. 

For every RM1 you spend, get 1x rewards points which you can then redeem for exciting gifts!

Just remember to redeem your earned rewards points within 3 years or they will expire. Not applicable to charges on petrol.

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.

Extended Payment

Find something you like but it’s worth more than its weight in gold?

With Hong Leong Extended Payment Plan you get 0% interest of up to 36 months on retail transactions from participating merchants!

While a minimum transaction amount of RM100 is applicable for all Extended Payment Plans, these flexible payment terms don’t come with an early termination fee – so you can always repay what you owe ahead of schedule.

Free Travel Protection from Hong Leong Gold Visa

And yes, the travel protection that comes with your Hong Leong Gold Visa is as good as gold! 

Just swipe your holiday tickets with your Hong Leong credit card and fly with peace of mind with the Travel Protection Plan. 

This plan includes coverage for accidents during air travel and inconvenience benefits.

Hong Leong Gold Visa Call-For-Cash

Another exciting feature that comes with the Hong Leong Gold Visa is Cash-On-Call which allows you to withdraw up to 90% of your available credit limit. 

Enjoy one time interest charges of as low as 2.99% per annum. Cash-On-Call is opened to all principal cardmembers.