Hong Leong Gold Visa credit card

Also available as MasterCard

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!

  • 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 Visa 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 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 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
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 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RM20.00 or 5.00% of withdrawn amount, whichever is higher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 Visa review

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

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.

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